SR-22 Insurance in Mississippi: Cost, Requirements, and Cheapest Companies
Mississippi car insurance with an SR-22 requirement costs an average of $160 per month.
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Writer: Daria Kelly UhligHome Insurance Writer, Realtor
Writer: Daria Kelly UhligHome Insurance Writer, Realtor
Qualifications:
Licensed Realtor with 10+ years in personal finance content
Contributor to Nasdaq and USA Today
Daria is a licensed Realtor and resort property manager specializing in personal finance, real estate, and insurance topics. In her spare time, she practices photography.
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Editor: Katie PowersLicensed P&C Agent, Senior Insurance Editor
Editor: Katie PowersLicensed P&C Agent, Senior Insurance Editor
Qualifications:
Licensed auto and home insurance agent
4+ years experience in insurance and personal finance editing
NPN: 20564519
Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.
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Reviewer: MacKenzie KorrisLicensed P&C Agent, Senior Insurance Copy Editor
Reviewer: MacKenzie KorrisLicensed P&C Agent, Senior Insurance Copy Editor
Qualifications:
Licensed property and casualty insurance agent
10+ years editing experience
NPN: 21630969
MacKenzie Korris is an insurance copy editor with a producer’s license for property and casualty insurance in Missouri.
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Quick Facts
An SR-22 certificate proves that you have at least the minimum amount of liability insurance required by the state of Mississippi.
The average cost of an SR-22 policy is $103 per month for liability-only coverage and $215 per month for full coverage.
Following a license suspension for certain serious violations, Mississippi requires SR-22 insurance as a condition for driver’s license reinstatement.
SR-22 requirements in Mississippi
An SR-22 is a certificate of financial responsibility that your insurance company files with the Mississippi Department of Public Safety (DPS). It proves to the state that you have at least the state’s minimum coverage: $25,000 per person and $50,000 per accident in bodily injury liability and $25,000 in property damage liability.[1]
Although Mississippi doesn’t charge an SR-22 filing fee, your insurer may charge around $25. The specific fee amount will vary by insurer.
Make sure you maintain your SR-22 minimum coverage for the entire period mandated by the state. Otherwise, you risk license suspension until you complete the necessary requirements.
SR-22 Insurance | Mississippi Requirement |
|---|---|
| Minimum liability limit | 25/50/25 |
| Filing fee | About $25, depending on your insurer |
| Who files? | Your insurance company |
| What happens if coverage lapses? | Your insurer will notify the DPS, which will resuspend your license until you meet the requirements |
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Liability policies average $103 /mo. for drivers with an SR-22
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How much is SR-22 insurance in Mississippi?
The average Mississippi driver with an SR-22 certificate pays $103 per month for liability-only coverage and $215 for full coverage. That’s higher than premiums for Mississippi drivers with clean records.
Car insurance for drivers with SR-22 forms is more expensive because the traffic violations that trigger SR-22 requirements, like a driving under the influence (DUI) conviction or causing an accident while uninsured, make drivers riskier to insure. The precise amount you pay for coverage will depend on the severity of your violations, your driving history, and other factors.
Here’s how average insurance costs compare in Mississippi for drivers with an SR-22 requirement and drivers with clean records.
Driver Profile | Average Monthly Cost: Liability Only | Average Monthly Cost: Full Coverage |
|---|---|---|
| Clean record | $89 | $186 |
| With SR-22 | $103 | $215 |
Disclaimer: Table data is based on real-time Mississippi quotes from Insurify’s network of 500+ insurance partners. Actual rates may vary depending on the policyholder’s individual profile and coverage needs.
Cheapest companies for SR-22 insurance in Mississippi
Mississippi drivers can find the cheapest SR-22 insurance from State Farm, with policies averaging $52 per month for liability-only insurance, according to Insurify data. You should always compare average quotes from multiple insurance companies to find the best rates.
Below, you can compare average insurance costs from the cheapest insurance companies for Mississippi drivers with an SR-22 requirement.
The below rates in Mississippi are estimated rates current as of: Sunday, November 1 at 12:28 AM PDT.
Insurance Company | Liability Only | Full Coverage |
|---|---|---|
| State Farm | $56 | $107 |
| USAA | $59 | $112 |
| Progressive | $64 | $141 |
| Bristol West | $81 | $212 |
| Direct Auto | $82 | $165 |
| National General | $84 | $144 |
| Allstate | $84 | $154 |
| GEICO | $102 | $199 |
| Trexis One | $107 | $263 |
| The General | $111 | $435 |
| First Acceptance | $111 | $285 |
| Mendota | $111 | $255 |
| GAINSCO | $112 | $278 |
| Travelers | $112 | $215 |
| Root | $116 | $177 |
| Safeco | $123 | $176 |
| Shelter | $148 | $284 |
| Liberty Mutual | $169 | $279 |
| Dairyland | $181 | $459 |
Disclaimer: Table data sourced from real-time Mississippi car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Mississippi may vary based on the policy buyer's unique driver profile.
When do you need SR-22 insurance in Mississippi?
Mississippi requires high-risk drivers to maintain SR-22 proof of financial responsibility as a condition of license reinstatement. High-risk drivers may need to meet SR-22 requirements following convictions for serious offenses that result in mandatory license suspension.
Mississippi’s legal code specifically lists failure to report an accident, falsifying proof of insurance, driving on a suspended license, and driving under the influence as offenses that automatically result in license suspension. A first-offense DUI has a mandatory 90-day license suspension.[2]
You may also need SR-22 insurance if you had an at-fault accident while driving without insurance that caused damage or injuries, according to the state’s driver’s license manual.
How to get SR-22 insurance in Mississippi
An SR-22 acts as proof of insurance. It’s not a different type of insurance, so you only need to follow the usual procedure to buy a policy. You’ll just need to take additional steps to make sure you’re satisfying your SR-22 requirement in Mississippi.
Here’s what you need to know:
Request rate quotes. Request rates from a few insurance companies. Answer questions accurately when you fill out the request forms, making sure you’re looking at coverage with Mississippi’s minimum coverage or more. If you don’t own a car, you’ll need to get quotes for non-owner SR-22 insurance.
Compare policies. In addition to reviewing the liability limits and rates, compare deductibles, discounts, and the availability of additional coverages. In particular, you should consider purchasing collision and comprehensive coverage to extend coverage to your vehicle.
Ask if the insurer offers SR-22 filings. You can’t file the SR-22 certificate yourself. Your insurance company will need to do it for you. Make sure the company you select is willing, and ask how much it charges before you buy the policy.
Buy the policy. You can usually purchase coverage online, in person, or by phone.
Verify that the insurer has filed the SR-22. You can’t have your license reinstated until the state has your SR-22. Confirm the DPS has received it before you pay reinstatement fees.
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How long does Mississippi require SR-22 insurance?
Mississippi drivers typically need to maintain SR-22 insurance for three years, regardless of the circumstances of the license suspension. If you let your coverage lapse, the state could suspend your license again until you’ve completed three years of having SR-22 coverage.
This requirement can be difficult to meet if you have trouble finding an insurance company that insures high-risk drivers. If you’re unable to find coverage, the Mississippi Automobile Insurance Plan (MSAIP) might be able to connect you with an insurer.[3]
Mississippi SR-22 insurance FAQs
If you’ve had your license suspended in Mississippi and need an SR-22 for reinstatement, the following information can help you remain compliant.
How much is SR-22 insurance in Mississippi?
The amount you pay depends on the violation that triggered the SR-22 requirement, your driving history, and other factors. The average cost of Mississippi car insurance for drivers with an SR-22 requirement is $103 per month for liability-only coverage and $215 for full coverage.
Do you need an SR-22 to reinstate your license in Mississippi?
That depends on the reason for the license suspension. Call the Mississippi DPS Driver Service Bureau at 1 (601) 487-7028 to check requirements for your situation.[4]
How long do you need to maintain SR-22 insurance in Mississippi?
Mississippi requires SR-22 coverage for three years unless you surrender your driver’s license to the DPS. Permanent incapacitation that prevents you from driving also excuses you from the SR-22 requirement.
Sources
- Mississippi Department of Public Safety. "Mississippi Driver's License Manual."
- Mississippi Department of Public Safety. "Frequently Asked Questions Related to Driving Under the Influence Offenses and Driving Privileges."
- AIPSO. "Mississippi."
- Mississippi Department of Public Safety. "Driver Self-Service."
Methodology
Insurify data scientists analyzed more than 250 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 500+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.
Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).
Liability-only premium averages correspond to policies with the following coverage limits:
- Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
- Property damage limits between $10,000 and $50,000
- No additional coverage
- Comprehensive coverage with a $1,000 deductible
- Collision coverage with a $1,000 deductible
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Writer: Daria Kelly UhligHome Insurance Writer, Realtor
Writer: Daria Kelly UhligHome Insurance Writer, Realtor
Qualifications:
Licensed Realtor with 10+ years in personal finance content
Contributor to Nasdaq and USA Today
Daria is a licensed Realtor and resort property manager specializing in personal finance, real estate, and insurance topics. In her spare time, she practices photography.
Editor: Katie PowersLicensed P&C Agent, Senior Insurance Editor
Editor: Katie PowersLicensed P&C Agent, Senior Insurance Editor
Qualifications:
Licensed auto and home insurance agent
4+ years experience in insurance and personal finance editing
NPN: 20564519
Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.
Reviewer: MacKenzie KorrisLicensed P&C Agent, Senior Insurance Copy Editor
Reviewer: MacKenzie KorrisLicensed P&C Agent, Senior Insurance Copy Editor
Qualifications:
Licensed property and casualty insurance agent
10+ years editing experience
NPN: 21630969
MacKenzie Korris is an insurance copy editor with a producer’s license for property and casualty insurance in Missouri.