Last updated: March 3, 2026
How a Speeding Ticket Impacts Your Insurance in Mississippi
A speeding ticket will increase your car insurance by an average of 10 percent in Mississippi.
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Because Mississippi doesn’t have a points system, speeding tickets immediately go on your record unless successfully contested. Drivers are only eligible to dismiss the first speeding ticket they incur, so any successive tickets remain on record permanently.
Speeding tickets can not only lead to fines and jail time, but also higher insurance premiums. Here’s what to expect after getting a speeding ticket in Mississippi, plus strategies for navigating higher auto insurance rates you may encounter.
How Do Speeding Tickets Impact Premiums in Mississippi?
If you get a speeding ticket in Mississippi, your premiums are likely to increase. Here are a few examples of insurers and their average premiums, pre- and post-speeding ticket.
While a ticket may stay on your record permanently, most insurers only look back three years when determining your rates. After that, you can expect your premiums to decrease again.
| Insurance provider | Average annual cost before speeding ticket | Average annual cost after speeding ticket | Average increase in annual cost with ticket |
|---|---|---|---|
| USAA | $1,430 | $1,644 | +$214 |
| State Farm | $1,697 | $1,706 | +$9 |
| Southern Farm Bureau | $1,933 | $2,088 | +$155 |
| Travelers | $1,742 | $2,144 | +$402 |
| Progressive | $2,174 | $2,302 | +$128 |
| Allstate | $2,555 | $2,573 | +$18 |
| GEICO | $2,318 | $2,922 | +$604 |
| Nationwide | $2,394 | $2,961 | +$567 |
| Farmers | $2,436 | $3,048 | +$612 |
| Statewide Average | $2,297 | $2,524 | +$227 |
TIP:
USAA, State Farm, Southern Farm Bureau, Travelers, and Progressive have cheaper than average Mississippi rates after a ticket. Keep in mind your quoted rate will vary from the average.
What Are the Penalties for Speeding Tickets in Mississippi?
Mississippi Code Title 63 outlines the following for drivers convicted of traffic violations.1 Drivers may be fined, receive a jail term, or both for a conviction.
| Penalty | First offense | Second offense | Third or subsequent offense within a year of first offense |
|---|---|---|---|
| Fine | Up to $100 | Up to $200 | Up to $500 |
| Jail time | Up to 10 days | Up to 20 days | Up to six months |
NOTE:
Refer to your ticket to see what you owe, as the exact fine for a speeding ticket varies by county across the state.
What Should You Do If You Get a Speeding Ticket?
Plead Guilty and Pay Your Fine
If you receive a speeding ticket, the easiest thing to do is admit guilt and pay your fine. You can pay for your ticket online, by mail, or in person. You should note that by pleading guilty, your violation will appear on your driving record. In extreme cases, you could face license suspension based on the nature of your violation.
Fight Your Ticket
You always have the option to plead not guilty and try to fight your speeding ticket. If you take this route, you’ll receive a court date. When you appear in court, you’ll be asked to present evidence that the ticket was issued in error. Hiring a lawyer to represent you is an option, but may not make sense if your legal fees are more than the ticket fine.
How Do You Lower Your Premium After a Speeding Ticket?
Here are some ways to mitigate the impact of a speeding ticket on your premium:
- Take a defensive driving course. Mississippi permits drivers without a prior traffic violation to take a defensive driving course and get their ticket dismissed. This can only be done for your first speeding ticket.
- Shop for a new insurer. Each company calculates rates differently, so one insurer may be more forgiving of a ticket than another. Shop around with at least three providers to find the cheapest rates.
- Increase your deductible. A higher deductible will lower your monthly premiums, though make sure you can afford the out-of-pocket cost in the event of a claim.
- Bundle your policies. Purchasing another policy, like home/renters insurance, in addition to auto will lower your rates for both.
What Are Other Traffic Violations That Affect Car Insurance?
In addition to speeding tickets, other traffic violations can impact your car insurance rates in Mississippi. These are typically classified as moving violations or non-moving violations. Try to avoid these violations since, like speeding tickets, these will stay on your record indefinitely and affect your premiums for years to come.
Moving Violations
- Driving under the influence (DUI)
- At-fault accident
- Running a red light or stop sign
- Hit-and-run
- Reckless driving
Nonmoving Violations
- Parking violation
- Distracted driving
- Driving without a seatbelt
Recap
In Mississippi, a speeding ticket will increase your premiums by an average of 10 percent, for about three years. You can mitigate this cost increase by taking a defensive driving course (if eligible), raising your deductible, bundling policies , or finding a different insurance provider with lower rates.
Frequently Asked Questions
A speeding ticket remains on record indefinitely unless dismissed. This means prospective employers doing background checks can see tickets you’ve gotten, though they only have access to your standard driving record (or activity from the last few years), as opposed to the certified driving record (or entire driving history).
A driver without a previous violation on their record (i.e. this is their first speeding ticket) is eligible for ticket dismissal upon completion of a traffic safety course. However, a driver can take a course for ticket dismissal only once in their driving career. Any subsequent tickets will remain on record permanently.
You can pay your speeding ticket online by visiting the Plead and Pay website: https://www.courts.mo.gov/cnet/caseNoSearch.do. Depending on your court location, you may also pay via mail or in person. Some courts may require you to pay certain tickets in person, so verify this info before proceeding with other payment methods.
Mississippi does not use a point system to track traffic violations, unlike some U.S. states. In Mississippi, every traffic violation, including a speeding ticket, stays on a driver’s record indefinitely.
It depends on the offense and your driving record. If you get multiple serious traffic convictions, like DUIs, you can be deemed a habitual offender, which is grounds for license suspension. Meanwhile, getting a DUI can lead to consequences ranging from 120 days for the first offense to 10 years for the fourth or subsequent offense.
Sources
FAQs. Mississippi Safety Services. (2026).
https://mssafety.com/mssafety/faqs/law/63_9_11.htm
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