Mississippi (MS) Teen Auto Insurance Laws, Rates & Requirements

Southern states currently have some of the highest teen-driver-crash-involvement rates in the country. In the state of Mississippi, one of the top ten states for teen car crashes, everyone from the highway safety chief to law enforcement officials blame lax enforcement of alcohol and speeding laws as well as tree-lined roads and poor seat-belt laws. Whatever the reason for Mississippi’s misfortune where teen drivers are concerned, the state of Mississippi does its best to reduce its teen accident rates and make its roads safer for all. The state does this by closely monitoring its Graduated Driver Licensing program (GDL).

Continue reading to learn more about Mississippi’s GDL, teen driving laws, and the consequences for violating them. 

Mississippi Graduated Driver Licensing (GDL) and Driver License Requirements

Mississippi Graduated Licensing (GDL) applies to teen’s ages 15-16. In order to operate a motor vehicle, 15 year olds must have a valid learner’s permit and they must be accompanied by a parent, legal guardian, driver instructor or a person that is 21 years of age or older with a valid driver’s license at all times. The designated driver must occupy the seat next to the driver at all times. 

The next step in Mississippi’s GDL system is the intermediate license. You must be 15 ½ years of age to obtain an intermediate or “Class Y” license and you must have held your intermediate license for a minimum of 6 months. Under the terms of the intermediate license teens are allowed to drive unsupervised between the hours of 6 a.m. and 10 p.m. only. 

To obtain a learner license, you must provide the following documentation to the Mississippi Department of Motor Vehicles:

•    Social security card
•    Proof of identity
•    Certified copy of birth certificate
•    Proof of residence
•    Proof of school enrollment
•    Signature of parent or legal guardian on the application
•    $4 Learner’s Permit fee

In addition you must pass a written exam and vision test. The same documentation is required to obtain your intermediate license as well as a $6 fee. To obtain an unrestricted driver’s license, you must be 16 years of age and have held your intermediate license for a minimum of 6 months with a clean record. In addition to the documentation above, you must provide proof of graduation or enrollment in a public, private, or home school or a GED. If you are 17 or older, you must have been issued a permit, but the intermediate license is not required. 

Mississippi Teen Driving Laws and Enforcement 

According to The Umansky Law Firm, intermediate license holders are not allowed to drive unsupervised between the hours of 10 p.m. and 6 a.m. If the licensee has to drive between these hours, a licensed driver who is at least 21 years old must accompany him. The driver must be seated in the front passenger seat at all times.

Mississippi Cell Phone Use/Texting While Driving Laws

In the state of Mississippi, it is illegal for teens holding a learner’s permit or intermediate license to drive while talking on a cell phone or texting. This law became effective July 1, 2009. If you violate Mississippi’s cell phone law, you may receive a ticket or citation and you could lose your driving privileges. 

Leave a Reply

Your email address will not be published. Required fields are marked *