Mississippi Teen Driver Insurance for Parents & New Drivers
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
State Requirements
The state operates a graduated licensing system with a learner's permit available at age 15, an intermediate (restricted) license at 15 years and 6 months after holding a permit for at least six months, and a full license at 16 years and 6 months after one year of restriction-free driving. Mississippi does not legally mandate a good student discount, but insurers are required to file discount programs with the Mississippi Department of Insurance, and most offer discounts for students maintaining a B average or better.
Liability Insurance
Uninsured/Underinsured Motorist Coverage
Collision Coverage
Comprehensive Coverage
Full Coverage
Cost Overview
$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
Add Your Teen Without Doubling Your Bill
Compare Teen Driver 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
Frequently Asked Questions
What are Mississippi's graduated licensing restrictions for teen drivers?
Mississippi issues a learner's permit at age 15 after completing driver education, requiring 30 hours of supervised driving. At 15.5 years with six months of permit holding, teens can get an intermediate license with restrictions: no more than one non-family passenger under 21, and a midnight to 6 a.m. curfew unless for work, school, or emergency. Full unrestricted license is available at 16.5 years after one year of safe intermediate license driving.
Coverage Types
Liability Insurance
Pays for injuries and property damage your teen causes to others. Mississippi's 25/50/25 minimum is low—if your teen causes a serious accident, you could be personally liable for costs exceeding those limits.
Collision Coverage
Pays to repair your teen's vehicle after an at-fault accident, minus your deductible. Essential if the vehicle is financed; often not worth it if the car is worth less than $4,000.
Comprehensive Coverage
Covers non-collision damage: theft, vandalism, weather, animal strikes. Mississippi's rural areas have higher deer collision rates, and storm damage from severe weather is common.
Uninsured Motorist Coverage
Protects your teen if they're hit by a driver with no insurance or insufficient coverage. Covers medical bills, lost wages, and vehicle damage the at-fault driver can't pay.
Full Coverage
Liability plus collision and comprehensive. Provides maximum protection but comes at the highest cost for teen drivers—typically $250–$450/mo added to a parent's policy in Mississippi.
Medical Payments Coverage
Pays medical expenses for you and your passengers after an accident, regardless of fault. Mississippi does not require MedPay, but it can cover deductibles and out-of-pocket costs your health insurance won't.