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Cheap DUI Car Insurance in Mississippi (With Quotes)

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Jeanette Wisniewski

By: Jeanette Wisniewski

| Reviewed by licensed insurance agent, Amber Benka

Last Updated March 9, 2022

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Best DUI Insurance Companies in Mississippi (2022)

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.

DUI Car Insurance Costs 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.

Avg. Monthly Cost - No Violation
Avg. Monthly Cost - After DUI
$136 ▴
68.00% ▴
Monthly Impact of DUI on Rates
Percent Bad DUI Impact Rates

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.

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How Much Does a DUI Impact Car Insurance Rates in Mississippi?

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.

No Violation - Avg. Monthly Rate After DUI - Avg. Monthly Rate Average Percent Increase After DUI

What Are the Average Car Insurance Prices After a DUI in Mississippi?

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.

Mississippi After DUI Avg. Monthly Rate Most Expensive State for DUI (1-50)

How Long Is the Lookback Period for a DUI in Mississippi?

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.

Mississippi DUI Penalties

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.

Top Auto Insurance Companies

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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. See All Auto Insurance Companies

FAQs - Mississippi Car Insurance

  • There are many different factors that go into the how expensive your car insurance is. That said, some of the reasons why you could be paying so much for your insurance include: living in a state with high minimum insurance requirements, being a young or new driver, committing past traffic offenses like at-fault accidents or DUIs, and having a low credit score.

  • Auto insurance costs will vary between locations and insurance carriers, depending on the county Mississippi. Insurify analyzed the latest data for the five most populous cities in Mississippi to find you the cheapest quotes in each of these metropolitan areas.

  • The way to find the carrier with the best auto insurance ratings in Mississippi and save on your insurance premiums is to compare quotes from all companies in your area. Use a car insurance quotes comparison site like Insurify to compare up to 10+ real quotes for your specific driver profile and unlock savings and discounts. Rates can fluctuate greatly based on whether you're a safe driver or a high risk one, but you should never overpay. Insurify provides the cheapest car insurance quotes and companies in your area in just a few seconds.

  • During the past three years in the United States, national premium costs have risen an average of 4.5 percent annually. In states where quotes have risen, this figure has been 7.8 percent; and in those where rates have fallen, prices have decreased by approximately 6.0 percent. Individual rates by state will of course vary depending on the driver’s history and a multitude of factors.

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The car insurance quotes displayed are based on an analysis of Insurify’s database of over 40 million quotes from 500 ZIP codes nationwide. To obtain representative rates, Insurify’s data science team performs frequent comprehensive analyses of the factors car insurance providers weigh to calculate rates including driver demographics, driving record, credit score, desired coverage level, and more.

Insurify’s analysis also incorporates the Insurify Composite Score (ICS) assigned to each insurance provider. The ICS is a proprietary rating that weighs multiple factors reflecting the quality, reliability, and health of an insurance company. Ratings used to calculate the ICS include Financial Strength Ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings; Consumer Reports customer satisfaction surveys and customer complaints; mobile app reviews; and user-generated company reviews. 

With the above insights and ranking methods, Insurify is able to offer car insurance shoppers insight into how various insurance providers compare to one another in terms of both cost and quality. Note, actual quotes will vary based on unique attributes including the policyholder’s driver history and their garaging address.

Jeanette Wisniewski
Jeanette Wisniewski

Content Writer at Insurify

Jeannette Wisniewski is a technology writer whose passion is encouraging people to engage with technology by making it more understandable and more interesting. Though she enjoys writing business copy for a wide range of subjects, she is most inspired by emerging tech and its applications. She is a graduate of San Jose State University, a Georgia Peach at heart, and happy to call Boise, ID home.

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