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Does Mississippi require a car insurance discount for drivers 55 and older?

Mississippi drivers 55 and older can get a car insurance discount after a course the Department of Public Safety approves. The law requires it on liability, injury protection and collision coverage when you are the insured principal operator of the car. A course ordered by a court or agency as punishment for a moving violation does not count. The discount lasts three years.

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The rule, fact by fact

Rule
Mississippi Code 63-15-46, premium reductions for older driversCite this section when you ask your insurer about the discount.
Verified. www.driverservicebureau.dps.ms.gov (opens state website) · checked Nov 13, 2026
Who needs it
The principal operator, if an insured 55 or older who finished a DPS-approved courseCheck who the principal operator of each covered vehicle is.
Same source and date as above
Valid for
A period of three years after finishing the courseThe insurer may require no at-fault accident and no moving violation conviction or plea to keep it.
Same source and date as above
Agency
Courses are subject to the approval of the Department of Public SafetyThe department weighs the course's personnel, its content and its fee.
Same source and date as above
Course hours
The Department of Public Safety sets the minimum number of hoursAsk the provider how many hours its approved course runs.
Same source and date as above

How to get it done

  1. Step 1. Check that the principal operator of the covered vehicle is an insured who is 55 or older.

  2. Step 2. Pick a course the Department of Public Safety approves. Ask the provider to confirm that it does. A course a court or other governmental body orders as punishment for a moving traffic violation does not count.

  3. Step 3. Finish the course. The state's discount page points drivers to the AARP Smart Driver course on AARP's website.

  4. Step 4. The group offering the course issues you a certificate. Give it to your insurer to qualify for the premium discount.

Before you pay

Pay for a course only after you ask your insurer what it takes off. Get the exact amount in writing.

Questions

Is there a test at the end of the course?

Yes. A course the department approves has to require the people finishing it to pass a written test on the content of the course.

How big is the Mississippi discount?

The law presumes any discount an insurer uses is appropriate unless credible data shows otherwise. Ask your insurer for its figure.

Does the AARP course cost anything?

The state's discount page says AARP charges a small fee for the required exam, with a discount rate for AARP members.

What to do next

Ask your insurer before you pay. The text of the law is on the state's discount page.

www.driverservicebureau.dps.ms.gov

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