Mississippi SR-22 & High-Risk Auto Insurance
Mississippi requires 25/50/25 liability coverage and is an at-fault state.
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Mississippi at a Glance
25/50/25
Minimum liability limits, in thousands of dollars (per person / per accident / property)
At-fault
The at-fault driver's insurance pays for the damage they cause
Optional
PIP and uninsured motorist coverage are not required by law
$100
State license reinstatement fee
Source: state DMV, insurance department and statute records, verified July 2026
State Requirements
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.
Liability Insurance
SR-22 Insurance
Uninsured Motorist Coverage
Collision Coverage
Comprehensive Coverage
Cost Overview
$40/mo
Typical monthly rate in Mississippi, non-owner policies
Rate data: Insure.com, 2026
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
- 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
Stay Covered While You Drive Borrowed Cars
Find Coverage After ViolationsIf your license is suspended
Ignition interlock-restricted license (DUI, court-ordered, Miss. Code §63-11-31). A separate DPS Hardship Drivers License is a teen (15-17) school-need permit unrelated to suspensions.
A restricted license is available while suspended.
A coverage lapse is reported
The state can act when your insurance lapses.
Source: state DMV, insurance department and statute records, verified July 2026
Frequently Asked Questions
How long do I need SR-22 in Mississippi after a DUI?
Mississippi requires SR-22 filing for 3 years after a DUI conviction. The clock starts when you file the SR-22 and reinstate your license, not from the date of conviction. If your policy lapses at any point during the 3 years, your license is suspended and the 3-year period resets from the date you file a new SR-22.
What happens if my SR-22 insurance lapses in Mississippi?
Your insurance company must notify the Mississippi Department of Public Safety within 10 days of cancellation or lapse. Your driver's license will be suspended immediately, and the 3-year SR-22 requirement resets from the date you file a new certificate and pay reinstatement fees. You cannot drive legally during the suspension period.
Which insurance companies offer SR-22 in Mississippi?
Non-standard carriers that file SR-22 in Mississippi include The General, Progressive, Acceptance Insurance, Direct Auto, and National General. Standard carriers like State Farm and Allstate may offer SR-22 for minor violations but typically non-renew policies after DUI or multiple violations. Availability and pricing vary significantly based on violation type and driving history.
Coverage 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.