Mississippi: State of Driving

Descubra los descuentos y beneficios con el Programa de Seguros para automóviles de AARP de The Hartford.

Driving in Mississippi

Mississippi DrivingNatural beauty and Southern history merge on a road trip through Mississippi. Mississippi is nicknamed the Magnolia State due to the abundance of emblematic white flowers – some the size of dinner plates – that bloom across the state every spring.
If you're taking a driving tour of the state, you won't want to miss perhaps the most famous road in Mississippi, the Natchez Trace Parkway, a national "recreational road and scenic drive" that spans 444 miles and also crosses two other states. This parkway follows the historic "Old Natchez Trace" corridor that was used over hundreds of years by an assortment of travelers, from American Indians to soldiers and future U.S. presidents, according to the National Park Service. Drivers must proceed slowly and watch for bicycles because the parkway is a popular ride for cyclists, and even includes some bicycle-only campgrounds.
Another can't-miss trip in Mississippi: a drive down two-lane Money Road, which will take you past the grave of the famous blues singer and guitarist Robert Johnson who, legend has it, made a deal with the devil. The drive also passes the old Bryant's Grocery where the Emmett Till tragedy occurred.
But if you simply want to get from point A to point B on one of the major highways that cross Mississippi – for example, I-55, which runs north to south or I-20, which crosses the state – you can expect mostly smooth sailing.
"One of the most notable things about driving in Mississippi is the relative lack of traffic," says Scott Barretta, who lives in Greenwood in the Mississippi Delta. Outside of the large urban areas, you can expect to drive the speed limit without encountering much slow traffic or many jams – at least outside the capital city of Jackson and the greater Memphis area, which spills over into the state from neighboring Tennessee. And despite the poverty of the state, the major highways are in fairly good condition, Barretta says.
"That means calculating travel time is easy and driving is relatively safe," he says.

Mississippi Auto Insurance Laws

Like almost all other states, Mississippi requires mandatory minimum levels of auto insurance. If you live and drive in the state, you must have coverage of at least the following levels:
  • Bodily injury liability coverage of $25,000 per person
  • Bodily injury liability coverage of $50,000 per accident involving more than one person
  • Property damage liability coverage of $25,000
Carrying auto insurance at these levels, or higher, is the easiest and most common way to make sure you're in compliance with Mississippi mandatory minimum auto insurance laws.
However, drivers who don't wish to carry insurance may comply by either posting a bond or by making a cash or security deposit with the state in the above required amounts.
In Mississippi, a police officer is not permitted to stop a driver solely to ask for proof of insurance. However, an officer who makes a traffic stop for another reason may check to see if the car is properly insured. Drivers are required to carry an insurance card in the car. The fine for failing to produce a card when an officer asks is $1,000 plus suspension of driving privileges for a year, or until you provide proof of insurance.

Car Culture in the Magnolia State

Mississippi is also known as the Hospitality State. But unfortunately, that hospitality doesn't inspire drivers to signal their intentions on roads and city streets, according to Barretta. "The worst thing about driving here is probably the fact that many people don't use turn signals – or wait until the last minute to do so," he says. That might be because local drivers assume everyone else recognizes their car and knows where they're going to turn, he says.
Just like in many other states in the South, car culture in Mississippi features a lot of big, sturdy pick-up trucks that can handle dirt roads just as well as highways, and can haul anything from brush to building supplies. In fact, the most popular vehicle in Mississippi is the Ford F-150.
"The most common cars you encounter are pick-up trucks," Barretta confirms. "Here in the Delta, it seems as though it's required for men to drive one, and they're often muddy from ventures to hunting camps."

Urban vs. Rural Roads

Generally, for a variety of reasons, rural roads are more dangerous to drive than urban thoroughfares. However, national statistics suggest that rural roads are becoming somewhat safer. Almost two decades ago, in 1999, 61% of crash deaths happened on rural roads. By 2019 that number had declined to 45%.
However, rural roads in Mississippi still are the site of a sharply disproportionate share of traffic fatalities. The rate of fatalities on rural roads in Mississippi is more than quadruple the overall fatality rate on the state's roads, according to a June 2017 report from TRIP, a national transportation research group.
Poor road condition contributes to traffic fatalities in rural areas, but in Mississippi the problem extends to non-rural roads as well. Despite Barretta's observation about the decent state of most major highways, the pavement is in rough condition on two-thirds of the urban roads and highways in the state, according to the TRIP report.
These substandard road conditions result mostly from shortages in local and state funding, and this state of disrepair costs Mississippi drivers $1.4 billion a year in vehicle repair, increased fuel consumption and accelerated vehicle depreciation every year.

Miles Driven in the Hospitality State

In Mississippi the annual highway vehicle-miles traveled per capita was 13,700 in 2017. This is the third highest state with only Alabama and Wyoming residents driving more miles. Generally, the more miles driven, the greater number of road deaths that occur. Mississippi has a traffic fatality rate of 1.56 deaths per 100 million vehicle miles traveled, higher than the national average of 1.11 deaths. In fact, Mississippi has the second highest vehicle fatality rate in the nation after South Carolina.
Seat belt use surely contributes to these troubling statistics. In 2019, the Mississippi seat belt use rate was just over 80%, compared with a national average of just over 90%.

Mississippi Gas Prices

Gas prices can affect driver decisions to get in the car or stay put at home. And that, in turn, can influence the number of crashes at any given time.
The average price of gas in Mississippi in late August of 2021 was $2.75 per gallon, much lower than the national average price of $3.31 per gallon. Generally, gas prices are lower in the South and in the Midwest than in the rest of the United States.
Even though drivers in Mississippi are benefiting from relatively low gas prices, they can keep even more money in their wallets by using simple gas saving tips that also make driving safer. For example, it's important and economical to keep tires properly inflated and roll windows up while driving at 55 mph or faster. These easy steps make for a quieter, smoother and safer ride.

Unemployment Rate

Believe it or not, the unemployment rate in a state can influence the amount people in that state drive. People who have jobs typically get behind the wheel to go to work each day, and they also have more disposable income to spend on travel.
For Mississippi, there's good news and bad news: unemployment is high, but the lack of jobs may mean fewer accidents on the roads in the state.
El documento Mississippi unemployment rate was 6.1% in July 2021 which was higher than the national average unemployment rate of 5.4%. Mississippi has the fifteenth highest unemployment rate in the country. Other states with higher unemployment rates include Nevada, New York, New Mexico and Alaska. The District of Columbia also has more joblessness.

Efforts to Remediate Distracted Driving

Most people equate distracted driving with texting, but distracted driving also can involve looking away for a second, brushing your hair behind the wheel or grabbing a meal while on the road.
And there's no doubt that distracted driving causes accidents and road deaths. In fact, 80% of all crashes involve at least one driver getting distracted in the seconds before the accident. But Mississippi and other states are cracking down on distracted driving to save lives and make roads safer for everyone.
In 2015, Mississippi banned texting and making social media posts while driving. Drivers who break the law may have to pay a $100 civil fine.
However, some law enforcement officers in the state believe the current law doesn't do enough to discourage distracted driving. In early 2017, the Mississippi State Highway Patrol urged state lawmakers to implement tougher distracted driving laws.
Due to the low fine amount and lack of criminal penalty, the law does not do enough to discourage distracted driving, according to these officers. Also, the law only bans two specific behaviors, which means that a driver who was using a phone for another purpose, such as playing a game or using an app, would not technically be violating the law.

Teen Driving Regulations

Like many other states, the Magnolia State has a graduated driver licensing program that requires Mississippi teen drivers to follow special rules as they're gaining experience behind the wheel.
In Mississippi, a teen who has turned 14 and is enrolled in a driver education class can get special 14-year-old learner's permit that allows driving only with a qualified instructor. At age 15, a teen can get a standard learner's permit. To get this permit, the teen must show proof of school enrollment and pass a written rules-of-the-road test as well as a vision exam. A learner's permit allows the teen to drive only when a licensed driver at least 21 years old is supervising from the front passenger seat.
At age 16, a teen who has had a learner's permit for at least a year may take a behind-the-wheel driving test and another vision exam to receive an intermediate license. A teen who holds a Mississippi intermediate license must abide by the following rules:
  • No driving without supervision between 10 p.m. and 6 a.m. on Monday through Thursday, or between 11:30 p.m. and 6 a.m. on Friday and Saturday. However, the teen may drive during these hours if accompanied by a licensed driver 21 or older in the front passenger seat.
  • Everyone in the car must wear a seat belt at all times.
At age 16 and a half, after holding an intermediate license for six months or longer, a teen may apply for a full Mississippi driver license. In order to get this license, which places no special regulations on driving, the teen must present proof of school enrollment and attendance.
Even though the state doesn't have special requirements for teens with full licenses, the Mississippi Department of Public Safety encourages parents to monitor teen driving and impose their own family rules on teen drivers. Parents should also discuss with teen drivers the importance of seat belt use and the dangers of drinking and driving.

The State of Driving in Mississippi

Overall, drivers in Mississippi must be cautious on rural roads and watch out for potholes and other signs of roads in disrepair. But they can enjoy cruising down major highways without being slowed down by lots of traffic, at least away from the big cities. And, if they wish, they can explore the state's rich history and maybe glimpse its namesake flower by taking a leisurely drive down more scenic routes.
Los resúmenes de las coberturas y las características de las pólizas son únicamente para fines informativos. En caso de que se produzca una pérdida, los términos y condiciones reales establecidos en su póliza determinarán su cobertura.
AARP y sus afiliadas no son aseguradoras. Endoso pagado. The Hartford paga regalías a AARP por el uso de su propiedad intelectual. Estos cargos se utilizan para los fines generales de AARP. En la mayoría de los estados, es necesario ser miembro de AARP para ser elegible para participar en el Programa.
El programa de seguros para automóviles de AARP de The Hartford está respaldado por Hartford Fire Insurance Company y sus afiliados, One Hartford Plaza, Hartford, CT 06155. Está avalado en AZ, MI y MN por Hartford Insurance Company of the Southeast; en CA por Hartford Underwriters Insurance Company; en WA por Hartford Casualty Insurance Company; en MA por Trumbull Insurance Company; y en PA por Nutmeg Insurance Company y Twin City Fire Insurance Company. El programa de seguros para viviendas de AARP de he Hartford está respaldado por Hartford Fire Insurance Company y sus afiliados, One Hartford Plaza, Hartford, CT 06155. Está subscrito en AZ, MI y MN por Hartford Insurance Company of the Southeast; en CA por Property and Casualty Insurance Company of Hartford; en WA por Trumbull Insurance Company; en MA por Trumbull Insurance Company, Sentinel Insurance Company, Hartford Insurance Company of the Midwest, y Hartford Accident and Indemnity Company; y en PA por Nutmeg Insurance Company. El producto para viviendas no está disponible en todas las áreas, entre las que se incluye el estado de Florida. Los ahorros, los beneficios y las coberturas disponibles pueden variar y es posible que algunos solicitantes no sean elegibles. El programa no está actualmente disponible en Canadá, ni en los territorios o posesiones de Estados Unidos.
1 En Texas, el programa para automóviles está respaldado por Redpoint County Mutual Insurance Company a través de Hartford of the Southeast General Agency, Inc. Hartford Fire Insurance Company y sus afiliados no son responsables financieramente por los productos de seguros suscritos y emitidos por Redpoint County Mutual Insurance Company. El programa para viviendas está respaldado por Hartford Insurance Company of the Southeast.
* Los comentarios de los clientes son recolectados y tabulados por The Hartford y no representan a todos los clientes.