Teen Driver Insurance in Mississippi: Rates & Discounts
Mississippi requires 25/50/25 liability coverage and is an at-fault state.
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Mississippi at a Glance
25/50/25
Minimum liability limits, in thousands of dollars (per person / per accident / property)
At-fault
The at-fault driver's insurance pays for the damage they cause
Optional
PIP and uninsured motorist coverage are not required by law
15
Minimum learner's permit age
Source: state DMV, insurance department and statute records, verified July 2026
Minimum Coverage Requirements in Mississippi
The state operates a three-stage graduated licensing system — learner's permit at 15, intermediate license at 15½ with restrictions, and full license at 17 after completing driver education and holding the intermediate license for one year without violations. Mississippi law uniquely mandates that all insurers offer good student discounts to teen drivers maintaining a B average or better, making this one of the most accessible discounts for parents adding teens to their policies.
Liability Insurance
Uninsured/Underinsured Motorist Coverage
Collision Coverage
Comprehensive Coverage
Full Coverage
What Drivers Pay in Mississippi
$286–$393/mo
Typical monthly rate in Mississippi, adding a driver aged 16–19 to a parent's policy
Rate data: Insurify and ValuePenguin, 2025
What Affects Your Rate
- Graduated licensing stage — teens on learner's permits or intermediate licenses may see lower rates than those with full licenses if they're designated as occasional drivers rather than primary operators
Cover Your New Driver for Less
Compare Teen Driver Insurance RatesRules for new drivers
Night driving
10pm-6am Sun-Thu / 11:30pm-6am Fri-Sat
Passengers
none
Source: IIHS and state DMV records, verified July 2026
Coverage Types
Liability Insurance
Covers injuries and property damage the teen causes to others. Mississippi's 25/50/25 minimums are insufficient for most accidents involving teen drivers.
Collision Coverage
Pays to repair or replace the teen's vehicle after an at-fault accident. Required by lenders; optional on paid-off vehicles.
Comprehensive Coverage
Covers theft, vandalism, weather damage, and animal strikes — losses not involving a collision.
Uninsured/Underinsured Motorist Coverage
Protects the parent and teen when hit by a driver with no insurance or insufficient coverage to pay for injuries and damage.
Full Coverage Package
Combines liability, collision, and comprehensive — the typical requirement when financing a vehicle for a teen driver.
Medical Payments Coverage
Pays medical expenses for the teen and passengers regardless of fault, up to the policy limit — typically $1,000–$5,000.