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Cheap DUI Car Insurance in Mississippi (With Quotes)
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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.
| Carrier | Avg. Monthly Cost 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. |
|---|---|
| Direct Auto | $153 |
| Travelers | $173 |
| Bristol West | $174 |
| Dairyland Insurance | $212 |
| Safeco Insurance | $213 |
| The General | $221 |
| Liberty Mutual | $233 |
| SafeAuto | $263 |
| American Family Insurance | $283 |
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.
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
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.
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 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. | After DUI - Avg. Monthly Rate 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. | Average Percent Increase After DUI |
|---|---|---|
| $200 | $336 | 68.00% |
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 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. | Most Expensive State for DUI (1-50) |
|---|---|
| $336 | 33rd |
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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.
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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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Data scientists at Insurify analyzed more than 40 million real-time auto insurance rates from our partner providers across the United States to compile the car insurance quotes, statistics, and data visualizations displayed on this page. The car insurance data includes coverage analysis and details on drivers' vehicles, driving records, and demographic information. Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Service's database of auto insurance rates. With these insights, Insurify is able to offer drivers insight into how companies price their car insurance premiums.
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