Buy Cheap Mississippi Auto Insurance in 2023
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State Coverage Requirements
Coverage Type
State Coverage Requirements
Bodily Injury Liability
$25,000 limit per person / $50,000 limit per accident
Property Damage Liability
$25,000 limit
Collision
Not required, but recommended
Comprehensive
Not required, but recommended
Medical Expenses
Not required, but recommended
Personal Injury Protection (PIP)
Not required
Uninsured Motorist
Not required, but recommended
Underinsured Motorist
Not required, but recommended
Property Protection (PPI)
Not required
Average rates vs National Average
Cellphone/Texting
Buy Cheap Mississippi Auto Insurance in 2023
Explained
Hand-Held Cell Phone Ban:
No
No.
All Cell Phone Use Ban for Novice Drivers:
No
No.
Texting Ban:
Yes
In Mississippi, text messaging is banned for bus drivers and drivers with a Learner or Provisional License.
DUI Laws
Buy Cheap Mississippi Auto Insurance in 2023
Explained
The legal limit for a blood alcohol concentration (BAC):
0.08
The legal limit for a blood alcohol concentration (BAC) while driving is 0.08. It is a crime to drive with a BAC at this number or above it.
Increased penalty for high BAC:
None
None for Mississippi.
1st offense Suspension:
90 days
Administrative license suspension on the 1st offense: In Mississippi, law enforcers can confiscate a first-time offender's driver's license for 90 days if he or she exceeds the legal limit.
Ignition Interlocks:
Mandatory for all offenders
These are devices installed in the cars of convicted drunk drivers, which analyze the breath or the driver before starting the vehicle and disable the ignition if alcohol is detected. Mississippi made the installation of ignition interlocks mandatory for all offenders.
Repeat Offenders:
Yes
Minumum penalities for repeat offenders include suspension of driving privileges for no less than one year, impoundment or immobilization of any and all of the offender's vehicles, or the installation of ignition interlocks to all vehicles owned by the offender, mandatory alcohol assessment and treatment, and a sentence of at least five days of imprisonment or 30 days of community service for a second-time offender. Third-time and further offenders can see at least ten days of imprisonment or 60 days of community service.
Open Container Law:
None
None for Mississippi.
Graduated Drivers License
Buy Cheap Mississippi Auto Insurance in 2023
Explained
Learner Stage:
(Supervised driving, to be completed with a driving test): At 15 years of age, individuals can begin driving with supervision for a period of time lasting a minimum of twelve months. In this stage, there are no required supervised driver hours for Mississippi learner stage drivers.
Intermediate Stage:
Min. Age: 16
Night Driving Restriction: 10pm-6am (Sun. - Thurs.), 1130pm-6am (Fri. - Sat.)
Passenger Restriction: None
(Some limits are applied to unsupervised drivers in high-risk situations): Drivers who passed the driver's test at 16 are now unsupervised drivers in the intermediate stage. These drivers are not allowed to drive between the hours of 10pm and 6am Sunday through Thursday and 1130pm and 6am Friday through Saturday. There are no passenger restrictions for Mississippi intermediate drivers.
Full Privilege Age:
Age: 16.5
(Full driver's license): At the age of 16 and six months, Mississippi drivers can now get a standard driver's license without any restrictions.
Speed Limit
Rural Interstates:
SPEED LIMIT
70
MPH
SPEED LIMIT
70
MPH
Urban Interstates:
SPEED LIMIT
70
MPH
SPEED LIMIT
70
MPH
Other Limited Access Roads:
SPEED LIMIT
70
MPH
SPEED LIMIT
70 MPH
Page Source: ghsa.org
Buy Cheap Mississippi Auto Insurance in 2023
Department of Insurance
Website: www.mid.ms.gov/
Address: 1001 Woolfolk State Office Building, 501 North West Street, Jackson, MS 39201
Phone: 601-359-3569 or 800-562-2957 (In State)
Buy Cheap Mississippi Auto Insurance in 2023
DMV Information
Website: www.dps.state.ms.us/driver-services/
Phone: 601-987-1212