For drivers with a DUI or DWI offense in Mississippi, it’s important that you evaluate all of your potential insurance options to ensure you are finding the best rate. Comparing the right insurance companies after this incident will allow you to get the best possible insurance rate after a DUI.
To simplify comparing companies, Insurify has analyzed rates from top insurance providers in Mississippi. The following are the best insurance rates from carriers that offer car insurance for drivers with a DUI in Mississippi.
In Mississippi, a DUI or DWI offense will on average have drivers paying $336 per month and $4,032 per year for their car insurance rates.
Compared to drivers with a clean driving record, that is on average an 68% increase on car insurance rates for drivers with a DUI. So in order, to find an affordable monthly rate after a DUI, comparison tools like Insurify become essential to finding the best rate.
Insurify's comparison tool will help you make sure you're getting the best possible quote even after a DUI. You can have peace of mind that you're reviewing all of your available insurance options and can confidently choose the one that is best for your situation.
Once the insurance company learns you have a DUI on your record, you are considered a high risk to insure. Even if your previous record was spotless, a DUI could wreak havoc on your rates. In Mississippi, DUI drivers can expect to see a rate increase of 67 percent.
What does that look like in terms of actual insurance premiums? Drivers without a DUI on their record pay an average of $200 a month for insurance. For those convicted of a DUI, premiums rise to $335—or roughly $135 more.
|Average Percent Increase After DUI|
Though the exact rate that each DUI-driver qualifies for will vary, premiums for drivers with a DUI in Mississippi average out to $335. Compared to the rest of the nation, Mississippi ranks 33rd for car insurance costs after a DUI. Except for Louisiana (which is ranked fifth in the country!), Mississippi's neighboring states rank similarly low.
Keep in mind that averages can't wholly account for your unique situation. Things that influence coverage costs include discounts, coverage type, deductible amount, and driving record.
|Most Expensive State for DUI (1-50)|
A lookback period is the length of time states "look back" over a driver's record and count the DUIs listed for enhanced penalties. At five years, Mississippi's lookback period is lenient compared to the rest of the country. Some states count the DUIs you accrue for life. In Mississippi, a DUI is forgiven after five years.
Though the DUI doesn't drop off your record, it isn't counted anymore toward penalties. For example, if you have two DUIs in five years, the most recent one counts as a second offense. If you have a DUI today and another one more than five years later, your most recent DUI counts as your first offense.
If you get pulled over for a DUI in Mississippi, you'll have both court and state penalties to contend with. While penalties for subsequent offenses are harsher, consequences for a first-time DUI conviction include up to two days in jail, $1,000 in fines, participation in the Mississippi Alcohol Safety Education Program (MASEP), possible probation, and 120 days of license suspension.
Some consequences have notable exceptions. For example, first-time offenders can choose to have an ignition interlock device installed on their vehicle instead of losing their license altogether.
Use Insurify for all of your car insurance comparison needs! Compare and connect directly with the top insurance companies to find the best rates as well as the most personalized discounts and coverage options.
Insurify’s network includes over 200 insurance companies throughout the U.S. who can work with you to get you the right auto insurance policy at the cheapest price.
The car insurance quotes, statistics, and data visualizations on this page are derived from Insurify’s proprietary database of over 4 million car insurance applications from ZIP codes across the United States. Insurify’s data science team performs a comprehensive analysis of the various factors car insurance providers take into account while setting rates to provide readers insight into how car insurance quotes are priced.