Is not being able to drive giving you the blues? Drivers in the Magnolia State can get affordable, quality car insurance from Good2Go Insurance, Inc. so that they get back on the road in no time.
Drivers who choose to drive without car insurance may receive fines or suspensions on their driver’s license.
If you are caught driving without insurance in Mississippi, you may be fined $1,000 and face suspension of your driver’s license and vehicle registration for (1) up to one year or (2) until you can show proof of financial responsibility. The Mississippi Department of Public Safety may also require that you file proof of financial responsibility, also called an SR-22 filing, before they will lift the suspension.
According to the Mississippi Insurance Department, the law requires that all drivers must maintain a minimum amount of auto insurance coverage called “liability insurance” and carry an insurance identification card in their vehicles at all times to prove that they have liability insurance. As of January 1, 2006, the minimum auto insurance requirements have increased to:
If you are a Mississippi state driver, you can fulfill these requirements by showing proof of insurance for the state minimums, making a cash or security deposit equal to the state minimums, or posting a bond for the state minimums. Additional consumer information can be obtained from the Mississippi Insurance Department.
Under the state of Mississippi‘s drunk driving code, it is illegal for any person to operate a vehicle while under the influence of alcohol or other substances that impair a person’s ability to drive. It is illegal for an adult age 21 or older to drive their vehicle with a Blood Alcohol Content (BAC) 0.08% or above. If you are under the age of 21, it is illegal to drive a car if you have a BAC of 0.02% or above.
If you are convicted of a DUI, the penalties include:
Since Mississippi has an implied consent law, if you refuse to submit to a chemical test you will automatically be fined, and your license will be suspended. A driver convicted of a first offense DUI may qualify for Hardship Driving Privileges after 30 days.
For a second offense, drivers may be subject to:
A third DUI conviction is considered a felony and may result in:
In Mississippi, there is currently no cell phone or texting while driving ban. However, if you have a learner’s permit or an intermediate license, you are prohibited from texting while driving. If you drive a school bus, then you are prohibited by law from using a cell phone while driving. Since cell phone violations for school bus drivers and young drivers are primary offenses in Mississippi, a driver can be pulled over for cell phone violations without committing any other traffic offense.
If your license is suspended, you may need to file an SR-22 document in order to have your license reinstated. An SR-22 provides proof of insurance to the Department of Public Safety. Fortunately, your insurer can electronically file the SR-22 insurance documents directly to the Department of Public Safety when you purchase or renew your auto insurance policy.
Do you live in one of Mississippi’s 3 largest cities and are looking towards having cheap car insurance? You can find city-related insurance information for Tupelo, Biloxi, and Jackson below.
The average annual cost of car insurance in Mississippi is $1,678 per year.
Get behind the wheel with Good2Go Insurance today.
More information on additional costs and frequently asked questions for purchasing a new policy can be found on our commonly asked questions page.