How much does drivers with a dui insurance cost in Mississippi?

Drivers With a DUI in Mississippi pay an average of $3,850/yr — about 100% more than the Mississippi state baseline of $1,925/yr.

What is the cheapest drivers with a dui car insurance in Mississippi?

The cheapest carrier varies by driver profile. Mississippi drivers in this persona consistently get the most competitive rates from GEICO, Progressive, and State Farm — but the only way to find your cheapest rate is to compare 3+ insurers. Drivers using a comparison tool save an average of $487/year.

What minimum coverage does Mississippi require?

Mississippi requires minimum liability of 25/50 (bodily injury per person/per accident, in $thousands) plus $25,000 in property damage. For drivers with a dui, we recommend coverage above the state minimum — claim severity is higher in this driver tier.

Does credit score affect rates for drivers with a dui in Mississippi?

Mississippi allows credit-based insurance pricing. Drivers With a DUI can see a 20–40% rate swing based on their credit-insurance score. Pay-in-full annually and avoid lapses to keep your score in the top tier.

Drivers With a DUI · Mississippi (MS)

Drivers With a DUI car insurance in Mississippi

A DUI conviction in Mississippi pushes the average premium to $3,850/yr — roughly double the Mississippi baseline. Most major carriers (State Farm, USAA, Allstate) issue a non-renewal at the next policy term, pushing DUI drivers into the specialty market. Progressive, Dairyland, The General, and Direct Auto routinely write the risk at a premium tier. The premium impact lasts 3–5 years in most cases from the conviction date, and an SR-22 filing is typically required for 3 years.

Compare insurers

Estimated annual premium

$3,850

$1,925 more than the Mississippi state average of $1,925/yr

Industry-blended estimate based on a 2× multiplier vs. Mississippi state baseline. Your real quote depends on age, vehicle, driving record, ZIP, and credit score.

5 savings strategies for drivers with a dui in Mississippi

Specialty carriers are your real market — Progressive, Dairyland, The General, and Direct Auto routinely write DUI risks. Major carriers (State Farm, USAA, Allstate) typically non-renew at term-end.
Quote shop 5+ specialty carriers — pricing in the specialty market varies 30–50% on the same DUI risk profile. Don't settle for the first non-renewal-replacement quote.
SR-22 (or FR-44) is usually required — Florida, Virginia, and Texas mandate FR-44 with higher liability limits. The rest require SR-22 for 3 years. See our SR-22 guide for state-by-state carrier eligibility.
Defensive-driving course — many states allow 5–10% off the post-DUI premium for completion. Some courts also accept course completion as partial credit toward early SR-22 termination.
Re-shop annually starting year 3 — DUI premium impact peaks at the first post-conviction renewal and tapers each year. By year 3 of a clean record, mainstream carriers often quote 20–30% below your specialty renewal.

Free cost estimator · 30 seconds

What should you actually be paying?

Get a personalized ballpark before you compare quotes. Adjust age, vehicle, state, and driving record — see what the actuarial models say your premium should land at.

Your age35

Vehicle type

State

Clean record (no accidents/tickets in 3 years)

Your estimate

$2,050/yr

≈ $171/mo · full coverage ballpark

A 35-year-old driving a sedan in California with a clean record typically pays around this. Most drivers find a lower rate by comparing 3+ insurers.

Free · 60 seconds · No spam · No obligation

Estimate only. Real quotes depend on credit, mileage, coverage levels, and provider discounts. Actuals can swing ±30% from this number — which is exactly why comparing 3+ insurers matters.

FAQs — drivers with a dui in Mississippi

Don't pay the Mississippi average

See your real rate as drivers with a dui in Mississippi

Free · No spam · 60-second compare across 100+ carriers