Mississippi OUI and insurance: How much does an OUI raise your insurance?

Does a OUI raise car insurance rates in Mississippi?

With a clean driving record, car insurance in Mississippi costs $2,008. However, after a OUI, the average rate rises to $3,832, which is $1,824 higher.

Auto insurers raise premiums significantly when they view you as a high-risk driver. If you receive multiple OUIs, average rates rise sharply to $5,904.

How much does a OUI raise your insurance in Mississippi?

The cheapest insurer after a OUI is State Farm, with average premiums of $1,927. The next most affordable option is Travelers, where rates are $548 higher than those of State Farm. Progressive offers the third-lowest car insurance rates for drivers with a OUI.

Driving under the influence is not only dangerous but also costly. You'll deal with massive fines and higher car insurance premiums for several years. Each insurer evaluates a OUI differently and sets its own rates, so it's important to compare quotes from multiple companies.

This table displays average car insurance rates for a driver with a OUI in Mississippi.

Company	Annual premium for clean records	Annual premium after a DUI	Annual premium after multiple DUIs
State Farm	$1,797	$1,927	$1,927
Travelers	$1,636	$2,475	$3,455
Progressive	$2,131	$2,681	$3,695
Nationwide	$1,331	$2,715	$3,875
Allstate	$2,527	$3,439	$4,351
Shelter Insurance	$2,469	$5,649	$9,084
GEICO	$2,210	$6,884	$17,018
USAA	$1,320	$2,565	$2,967

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PEOPLE ASK:

What happens when you get a DUI in Mississippi?

If you're convicted of a DUI in Mississippi, consequences are severe. For a first offense, you'll face fines and fees. Your car may also be impounded, your driver's license suspended, car insurance rates will increase, and the OUI will stay on your record for life.

If someone gets a OUI in your car, does it go on your insurance?

In most cases, insurance applies to the car rather than the driver, so your car insurance rates won't rise because the OUI will not appear on your driving record.

However, your premiums may rise if your car is involved in an accident caused by a OUI. Your vehicle may also be treated as a crime scene after the crash, meaning you won't be able to access it until the police release it.

How long does a OUI affect your insurance in Mississippi?

While a OUI may remain on your driving record forever, it doesn't affect rates forever. A OUI affects Mississippi car insurance and stays on your record for life. Your car insurance rates should begin to decrease after several years with no further infractions on your driving record.

PEOPLE ASK:

Will I have difficulty getting car insurance after a DUI?

It may be more challenging to find affordable car insurance after a DUI, especially if you have multiple convictions. However, if you already have car insurance, your insurer will likely continue your coverage. Since insurance rates will increase after a DUI, you may consider shopping for new coverage to compare rates.

How much does a OUI raise insurance by age group?

Younger drivers pay more for car insurance than older, more experienced drivers because they have less time on the road. Although a OUI raises rates for any driver, a teen's insurance costs surge even higher after a conviction. The average car insurance rate for a teen with a OUI is $4,897.

Below are the cheapest insurers after a OUI for each age group:

For teens: State Farm has the most affordable rate at $4,897.
For young adults: State Farm offers the lowest-priced coverage for young adults at $2,278.
For adults: State Farm provides the best rate, averaging $1,927.
For seniors: State Farm delivers the cheapest average rate at $1,742.

This table illustrates how a OUI affects car insurance rates across different age groups.

Company	Annual premium for clean record	Annual premium after a DUI	Dollar increase	% Increase
State Farm	$4,488	$4,897	$409	9%
Nationwide	$3,849	$5,085	$1,236	32%
Travelers	$4,274	$6,282	$2,008	47%
Progressive	$10,434	$10,721	$287	3%
Allstate	$8,540	$12,328	$3,788	44%
Shelter Insurance	$6,370	$14,946	$8,576	135%
GEICO	$6,813	$15,805	$8,992	132%
State Farm	$4,488	$4,897	$409	9%
Nationwide	$3,849	$5,085	$1,236	32%
Travelers	$4,274	$6,282	$2,008	47%
Progressive	$10,434	$10,721	$287	3%
Allstate	$8,540	$12,328	$3,788	44%
Shelter Insurance	$6,370	$14,946	$8,576	135%
GEICO	$6,813	$15,805	$8,992	132%
USAA	$3,279	$5,285	$2,006	61%
USAA	$3,279	$5,285	$2,006	61%

How much does a OUI raise your insurance in your city?

The most affordable city in Mississippi for car insurance after a OUI is Ecru, while the most expensive is Natchez, with an average premiumThe payment required for an insurance policy to remain in force. Auto insurance premiums are quoted for either 6-month or annual policy periods. of $4,393. Where you live affects your insurance costs even without a OUI. Drivers in areas with higher traffic or higher rates of vehicle theft pay more because their cars face a greater risk. A OUI then pushes those already high rates even higher.

This table shows the average car insurance rates after a OUI by city. Comparing rates in both large cities and rural areas can help you see how your location affects your premiums.

City	Annual premium for clean record	Annual premium after a DUI	Dollar increase	% Increase
Calhoun City	$1,964	$3,706	$1,742	89%
Carthage	$1,949	$3,753	$1,804	93%
Clinton	$2,130	$4,096	$1,966	92%
Columbus	$1,922	$3,629	$1,707	89%
Ecru	$1,807	$3,423	$1,616	89%
Gulfport	$2,096	$3,981	$1,885	90%
Moss Point	$2,032	$3,894	$1,862	92%
Natchez	$2,278	$4,393	$2,115	93%
Olive Branch	$1,945	$3,725	$1,780	91%
Calhoun City	$1,964	$3,706	$1,742	89%
Carthage	$1,949	$3,753	$1,804	93%
Clinton	$2,130	$4,096	$1,966	92%
Columbus	$1,922	$3,629	$1,707	89%
Ecru	$1,807	$3,423	$1,616	89%
Gulfport	$2,096	$3,981	$1,885	90%
Moss Point	$2,032	$3,894	$1,862	92%
Natchez	$2,278	$4,393	$2,115	93%
Olive Branch	$1,945	$3,725	$1,780	91%

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How to get car insurance after a OUI in Mississippi

Insurers will label you a high-risk driver after a OUI, but you can still secure car insurance. Finding suitable coverage following a OUI conviction may require some additional effort.

If you already have car insurance and receive a OUI, your insurer will likely continue your policy; however, your premiums will increase at renewal time.

If you need car insurance after a OUI or want to find the lowest rates, shop around for coverage. Compare quotes from multiple insurers to find the most affordable policy in Mississippi since each insurer offers different rates after a OUI.

Mississippi OUI insurance requirements and penalties

A OUI in Mississippi means you must meet specific requirements for high-risk drivers. In Mississippi, you will need an SR-22. An SR-22 is a form filed by your insurance company that shows the state that you have at least the minimum amount of car insurance required by law. While an SR-22 doesn't increase your car insurance rates, the cause behind the form does.

A OUI can lead to fines, a driver's license suspension, car impoundment, and jail time. Multiple offenses have more severe penalties. Additionally, you may have to pay lawyer fees, towing charges, and impound fees.

The table below indicates Mississippi OUI laws and penalties based on first and subsequent offenses.

Increased penalty for high BAC	Administrative license suspension after a first offense	Limited driving privileges during suspension	Ignition interlocks	Open container laws	Repeat offender laws
None	90 days	None	Mandatory for all convictions	No	Yes
None	90 days	None	Mandatory for all convictions	No	Yes

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*BAC is blood alcohol concentration

How long after a OUI does your insurance go down?

A OUI affects car insurance rates for at least three years, although the timeframe varies by state. In some states, like California, a OUI can impact your premiums for as long as 10 years.

In Mississippi, drivers can expect higher car insurance rates after a OUI and expect it to stay on their record for life.

Tips to save money after a OUI

A OUI can cost you thousands of dollars in fines, fees and increased insurance premiums. Fortunately, there are still ways to lower your rates afterward.

Mississippi drivers can cut car insurance expenses after a OUI by:

Raising their deductible to reduce monthly premiums
Looking for discounts, such as multi-policy savings or safety feature discounts
Keeping a clean driving record going forward
Completing a defensive driving course
Improving their credit score
Comparing quotes from multiple insurers

Methodology

We partnered with Quadrant Information Services to field car insurance rates across all 50 states and Washington, D.C.

Unless otherwise indicated, averages are based on our full coverage data set. This data set is based on:

Bodily injury liability of $100,000 per person and $300,000 per incident
Property damage liability of $100,000 per incident
Comprehensive and collision deductibles of $500
40-year-old driver
Honda Accord LX
Good credit
A clean driving record
12-mile commute, 10,000 annual mileage

Additional rate data is drawn based on:

One and two OUI convictions
Ages ranging from 16 to 75

Learn more about our data and methodology.

Mississippi OUI insurance: Frequently asked questions

How far back do insurance companies look for a OUI?

Depending on the state, a OUI can remain on your driving record for up to 10 years. In most cases, a OUI affects car insurance rates for only three to five years.

Will my insurance drop me after a OUI in Mississippi?

Most insurers will not cancel your policy after a single OUI, but your rates will rise sharply. However, multiple OUIs may lead your insurer to deny coverage. The higher the risk you present, the harder it becomes to secure car insurance.