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Ocean Springs Car Insurance Resources

Ocean Springs, MS Car Insurance

Cars Insured in Ocean Springs

^ There are an estimated 10,780 vehicles currently insured in Ocean Springs. [1]

Car Insurance Rates in Ocean Springs

^ From 2006 to 2010, Mississippi cities had the 22nd highest auto insurance rates in the nation. [2]

Uninsured Motorists in Ocean Springs

^ There are an estimated 3,171 uninsured motorists driving in Ocean Springs. [3]

MS Car Insurance

Ocean Springs Car Insurance

Car Insurance Liability Requirements in Ocean Springs

  • Minimum Liability Limits in Ocean Springs: 25/50/25 [4]
    • 25  Required coverage up to $25,000 for one individual injured in an accident
    • 50  Required coverage up to $50,000 for all persons injured in an accident
    • 25  Required coverage up to $25,000 for property damage in an accident
    • Note: The amounts listed above are the minimum coverage amounts required by the law. Drivers can opt to purchase more than the mandatory minimum amounts.

Required Car Insurance Coverage in Ocean Springs

Required Car Insurance Coverage in Ocean Springs
  • Ocean Springs Auto Insurance Coverage Requirements [4]
    • Bodily injury liability coverage
    • Property damage liability coverage

Car Insurance Verification Laws in Ocean Springs

  • Insurer Verification of Auto Insurance in Ocean Springs [4]
    • Insurer must notify Department of Motor Vehicles or other state agency of cancellation or nonrenewal.
    • Insurers must submit entire list of insurance in effect, which may be compared with registrations at a state agency. Also known as a computer data law.

Ocean Springs Car Insurance Facts, Estimates & Related Laws

Ocean Springs Car Insurance Stats

Ocean Springs Car Insurance Facts, Estimates & Related Laws
  • Number of Auto Insurance Policies in Ocean Springs
    • Based on historical and current data, 10,780 cars are currently insured in Ocean Springs. [5]
    • Mississippi cities collectively ranked 33rd in the nation in auto insurance policies in 2011 with a total of 1,833,956. [1]
  • Uninsured Motorist Rate in Ocean Springs
    • Based on historical and current data, Ocean Springs has an estimated 3,171 uninsured drivers. [6]
    • Mississippi cities collectively had the 1st highest uninsured motorist rate in the nation in 2009. [3]
  • Average Car Insurance Rates in Ocean Springs
    • Mississippi cities collectively had the 22nd highest auto insurance rates in the nation in 2010. [2]

Ocean Springs Distracted Driving Laws


  • Hand-held phone ban? No
  • Texting-while-driving ban? Yes
    • Texting-while-driving ban in place for learner's permit and intermediate license holders and school bus drivers. [7]
  • Young drivers cell phone ban? No
  • Bus driver cell phone ban? Yes
    • Ban applies to school bus drivers. [7]
  • Enforcement of laws:
    • Primary enforcement in effect. [7]
    • With primary enforcement, a police officer can pull over a driver for that specific offense. Drivers cannot be pulled over solely for a secondary offense.


Ocean Springs Automotive Laws

  • Minimum Driving Age in Ocean Springs [9]
    • Ocean Springs, MS minimum driving age: 15 years.
  • Driver's License Renewal Cycle in Ocean Springs
    • Renewal cycle: 4 or 8 years, at the option of the driver [7]
  • Motorcycle Helmet Laws in Ocean Springs
    • Motorcycle helmets required for all riders. [7]
  • Safety Belt Laws in Ocean Springs
    • Safety belt laws have been in place since 1994 and apply to drivers/passengers 7+ years in front seat. [7]
    • Child restraint law in place for 3 years and younger must be in a child restraint; 4 - 6 years and either less than 57 inches or less than 65 pounds must be in a booster seat. [7]

Mississippi Car & Driver Facts

Mississippi Auto Registrations

Mississippi Car & Driver Facts
  • Auto Registrations in MS [8]
    • Registered Cars: 1,050,978
    • Registered Trucks: 948,456
    • Registered Motorcycles: 28,078
    • Total Registrations: 2,036,524
    • Rank: Mississippi ranked 34th in the United States in total auto registrations in 2011.

Mississippi Automotive Facts

  • Speed Limits in MS
    • Rural interstates: 70 mph [7]
    • Urban interstates: 70 mph [7]
    • Other roads: 65 mph [7]
  • Mississippi Motor Fuel Consumption
    • Mississippi cities collectively ranked 29th in the nation in total motor fuel consumption in 2011. [10]

Mississippi Licensed Drivers

  • Licensed Drivers in MS [11]
    • Female Drivers: 1,007,017
    • Male Drivers: 919,586
    • Total Drivers: 1,926,603
    • Rank: 33rd highest in the U.S.

Additional information about Ocean Springs, MS

About Ocean Springs

Ocean Springs (Mississippi) is a city with a population of 17,442 [12] that is located in Jackson County.

MS Car Insurance

More about Ocean Springs auto insurance

For more information about Ocean Springs car insurance, or for additional resources regarding Mississippi car insurance overall, visit the Mississippi Department of Insurance.

Did you know?

Some motorcyclists are currently required by law to wear a helmet in 47 states and the District of Columbia.

References

1. ^ Automobile Insurance Plans Service Office (AIPSO)

2. ^ National Association of Insurance Commissioners (NAIC)

3. ^ Insurance Research Council (IRC)

4. ^ Insurance Information Institute (III)

5. ^ Automobile Insurance Plans Service Office (AIPSO) & United States Census Bureau

6. ^ Insurance Research Council (IRC) and United States Census Bureau

7. ^ Insurance Institute for Highway Safety (IIHS) & Highway Loss Data Institute

8. ^ Office of Highway Policy Information

9. ^ Insurance Institute for Highway Safety (IIHS)

10. ^ U.S. Department of Transportation

11. ^ Federal Highway Administration

12. ^ United States Census Bureau

13. ^ National Highway Traffic Safety Administration (NHTSA)

14. ^ National Telecommunications & Information Administration (NTIA)

Additional Cities in MS