In the state of Mississippi, it is a crime for a teen to operate a motor vehicle with a blood alcohol concentration level (BAC) of 0.02% or higher. A BAC of 0.02% is as little as one beer, one glass of wine or one mixed drink for most people. It can be even less for some. Proof of a BAC of 0.02% is all that is needed to convict an Baltimore teen of DUI. If you get caught driving with a BAC of 0.02% or higher, your license will be suspended for 90 days and you will have to pay a $250 fine. For a second offense, your license will be suspended for 1 year and you will have to pay a $500 fine. The sentence may be reduced to 6 months if you complete a certified alcohol/drug program.
For a third offense, your license will be suspended for 2 years or until age 21 — whichever is longer. You will also have to pay a $1,000 fine and you will have to complete a certified alcohol and drug program. If you refuse to take a chemical test, you will be prosecuted as an adult. This means you may have to spend time in jail and the conviction will be added to your driving record.
Mississippi Teen Auto Insurance Requirements
The minimum liability coverage that you must carry in order to operate a motor vehicle in the state of Mississippi is 25/50/25. This law applies to adults and teens. 25/50/25 is equal to $25,000 bodily injury liability per person in an accident, $50,000 bodily injury liability per accident, and $25,000 for property damage. Because Mississippi is a Tort state and because teen drivers are more likely to be involved in an accident their first year behind the wheel, Mississippi auto insurance companies recommend that all driver’s consider carrying higher coverages than the state minimums – this includes uninsured/underinsured motorist coverage.
Under the Tort system, if you are involved in an accident, someone must be found to be the cause or fault of the accident. The person deemed at fault is responsible for all damages. Damages are usually handled through the at-fault person’s insurance company.
If you plan to add a teen driver to your policy, keep in mind that your annual rate will increase anywhere from $1,200 to $4,900 a year – or an average of $2,171 a year. Although auto insurance premiums will increase if you add a teen to your policy or purchasing teen auto insurance will always be pricier than other policies, there are ways to qualify for discounts on teen auto insurance. Auto insurance companies offer discounts ranging from 10-15% or more for:
• Maintaining at least a B average
• Successful completion of a state approved safe driver course
You can also lower your premiums on teen auto insurance if you avoid purchasing a high performance or luxury vehicle for your teen, if you opt for a higher deductible, or if you combine insurance policies into one (i.e. life, home, health, renter’s, etc.).