Updated March 2026
State Requirements
Mississippi requires minimum liability coverage of 25/50/25: $25,000 per person for bodily injury, $50,000 per accident for bodily injury, and $25,000 for property damage. Drivers with DUI convictions, uninsured accidents, multiple violations, or license suspensions must file SR-22 proof of insurance with the Mississippi Department of Public Safety for 3 years. State law also requires uninsured motorist coverage at the same minimum limits unless rejected in writing. High-risk drivers often need to exceed state minimums to qualify for non-standard carrier coverage.
Cost Overview
High-risk auto insurance in Mississippi costs significantly more than standard rates due to the state's high uninsured driver population and non-standard carrier risk pricing. DUI convictions typically increase premiums by 90–180%, while at-fault accidents and multiple violations increase rates by 40–100%. Rate recovery depends on violation type, maintaining continuous coverage, and how long the offense remains on your Mississippi driving record—most violations stay on record for 3 years, DUIs for 5 years.
What Affects Your Rate
- Type of violation—DUI convictions carry the highest surcharges, often doubling base premiums for 3–5 years
- Number of violations or accidents—two at-fault accidents within 3 years can result in non-renewal or placement in assigned risk pool
- Time since violation—rates drop 15–30% per year after the first year if no new incidents occur
- Carrier type—non-standard carriers like The General, Progressive, and Acceptance offer SR-22 filing but charge 30–60% more than standard carriers
- County and city—Jackson, Gulfport, and Biloxi show higher rates due to accident frequency, theft rates, and uninsured driver concentration
- Credit history and age—Mississippi allows credit-based insurance scoring, which amplifies rate increases for high-risk drivers with poor credit
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Get Your Free QuoteCoverage Types
Liability Insurance
Covers injury and property damage you cause to others. Mississippi's 25/50/25 minimums are low—serious accidents can exceed these limits quickly, leaving high-risk drivers personally liable for the difference.
SR-22 Insurance
Proof-of-insurance certificate filed with the Mississippi Department of Public Safety after DUI, multiple violations, or uninsured accidents. Filing costs $15–$25, but the underlying violation increases premiums significantly.
Uninsured Motorist Coverage
Covers your medical bills and lost wages if hit by an uninsured driver. Mississippi requires carriers to offer 25/50 minimums, and you must reject it in writing.
Non-Standard Auto Insurance
Coverage for drivers who cannot qualify for standard carriers due to violations, accidents, or SR-22 requirements. Non-standard carriers accept higher-risk profiles but charge 30–80% more than standard market rates.
Collision Coverage
Covers damage to your vehicle after an at-fault accident. Not required unless you finance or lease, but high-risk drivers may face $1,000+ deductibles and limited carrier options.
Comprehensive Coverage
Covers theft, vandalism, weather damage, and animal strikes. Mississippi's severe storm risk and rural deer populations make comprehensive valuable even for liability-only high-risk drivers.
