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DUI and its impact on auto insurance premiums in the US state of Mississippi

If you are a resident of the state of Mississippi here are the few things that you must know about auto insurance premiums and how they are impacted by driving under the influence (DUI). It is a well-known fact that insurance premiums shoot up if you have a history of DUI, or if your car has been involved in one or more accidents. Insurance premiums differ from zip code to zip code, which means that your premium will witness a meteoric rise if you live in a high auto insurance zone.

Auto insurance is mandatory in Mississippi. If you have a vehicle you must establish financial responsibility by purchasing auto insurance that meets the minimum criteria. The average insurance premium of a vehicle will be influenced by several factors such as age, gender and the city of residence. For example, in Mississippi, the average insurance premium is high in Gulfport and Biloxi, when compared to Tupelo, Jackson and Horn Lake. So how does your driving record change the average insurance premium in these cities?

The average annual insurance rate in Mississippi is $1345. If you live in Mississippi and your car is involved in an accident, your average insurance premium with shoot up to $1657 per year. After two accidents the amount will be close to double, with you having to pay $2471. In case you are charged with DUI your insurance premium will increase more than it would have even after two accidents. In Mississippi you will have to pay $2502 as insurance premium after your first DUI conviction.

So, how do you bring your average insurance premium rate down if you’re convicted of a DUI charge? Take a defensive driving course in your state. That can bring down the average insurance premium to $2127. You cannot escape paying more on auto insurance premiums in case of DUI charges. So, the best bet is to have the proof of insurance and financial responsibility and avoid drinking and driving. Fail to do the former and you will have to pay up to $1000 in fine and in case of DUI charges you will have to pay higher insurance premiums for up to 3 years.

Mississippi Auto Insurance Rates

Below are the minimum, average and maximum insurance rate estimates for neighbourhoods in and around Mississippi, MS.

Lowest Rate:$1,100
Average Rate:$1,300
Highest Rate:$1,400

Recent Savings From Top Providers in Mississippi

Rank Customer Zipcode Amount Saved
1 39051 $182
2 38601 $175
3 38603 $173
4 38606 $171

Compare Auto Insurance Companies in Mississippi

Company A.M Best Rating on
Financial Strength
Year Founded
Progressive A+ 1937
State Farm A++ 1922
Allstate A+ 1931
GEICO A++ 1936
Nationwide A+ 1925
Liberty Mutual A 1912

Mississippi Auto Insurance Requirements

Minimum limits of liability for auto insurance in Mississippi as per MS State Laws

Bodily Injury Liability

  • $25,000 for death/injury of any one person, per accident.
  • $50,000 for all persons per accident.

Property Damage Liability

  • $25,000 per accident.

Mississippi Car Insurance Average Rates by Make

In addition to the location, one key factor that contributes to the insurance rates in Mississippi is the vehicle's make and model. Especially the vehicle's theft rates in Mississippi

MakeInsurance Average PremiumView Details
MakeInsurance Average PremiumView Details

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Latest Auto Insurance Reviews in Mississippi

GEICO

$39.05 for 6 Months

I am a 38 year old male with a perfect driving record. I do not have any tickets or accidents on my record. I currently am insuring a 2010 Toyota Tacoma which I drive around 15,0000 miles a year. I primarily use this vehicle to commute to work on Monday through Friday. I have full coverage and my coverage levels are in the medium range. I also have uninsured motorist. I chose these coverages because I found them to be appropriate. I plan to drop to just liability next year. I chose Geico due to their advertisements and I have been satisfied so far. I previously was a client of Progressive. I save almost 10% by switching. I switched because I got a free quote online and saw that I would save money. I do not have any other insurance with Geico.