Farm Bureau provides the cheapest SR-22 insurance in Mississippi, with monthly rates of $82 for minimum coverage and $180 for full coverage, 36% below the state average. These rates reflect costs for 40-year-old drivers with a DUI. Travelers, Shelter, Safeway and Progressive might offer better rates for your specific situation.
Cheapest SR-22 Car Insurance in Mississippi
Updated: September 4, 2025
Advertising & Editorial Disclosure
Key Takeaways
Farm Bureau provides the cheapest rates for SR-22 insurance in Mississippi, averaging $82 per month or $988 per year for drivers needing this coverage.
Mississippi car insurance costs with an SR-22 filing average $145 monthly for minimum coverage and $291 per month for full coverage.
Mississippi requires SR-22 insurance to cover $25,000 per person and $50,000 per accident for injuries, plus $25,000 for property damage if your license is suspended.
Cheapest SR-22 Car Insurance in Mississippi
| Farm Bureau | $82 | $180 | -36% |
| Travelers | $93 | $183 | -33% |
| Progressive | $97 | $218 | -23% |
| Shelter | $103 | $205 | -25% |
| Safeway | $116 | $194 | -25% |
* Rates represent a 40-year-old male driver with a DUI, good credit and a 2012 Toyota Camry LE.
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Cheapest SR-22 Car Insurance in Mississippi by Category
Farm Bureau leads Mississippi's SR-22 insurance market, offering the lowest rates in six out of seven categories we analyzed. While Travelers provides the most affordable option for young drivers with suspensions at $97 monthly, Farm Bureau's rates range from $60 to $82 for other high-risk drivers.
| Most Drivers Needing a SR-22 | Farm Bureau | $82 | $180 |
| Young Drivers With a Suspension | Travelers | $97 | $198 |
| Senior Drivers With a Suspension | Farm Bureau | $74 | $159 |
| Drivers With Multiple Speeding Tickets | Farm Bureau | $60 | $136 |
| Drivers With Racing Violation | Farm Bureau | $81 | $177 |
| Drivers With Hit-And-Run Accident | Farm Bureau | $82 | $178 |
| Drivers With Other Violations | Farm Bureau | $67 | $159 |
* Rates for most drivers are represented by a 40-year-old male driver with a DUI, good credit and a 2012 Toyota Camry LE. All other profiles are modifications of these factors. Young drivers are represented by 25-year-olds, and seniors are represented by 65-year-olds; all other violations represent those with suspensions that are not due to driving violations.
Cheapest Personalized SR-22 Car Insurance in Mississippi
Our research identifies the best overall insurance providers, but your ideal rates depend on personal factors. The table below shows the cheapest options based on your age, gender, coverage needs, credit score and driving history.
Data filtered by:Results filtered by:
Select
Age:25
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Gender:Female
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Coverage Level:100/300/100 Comp/Coll $1000 Deductible
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Credit Score:Below Fair
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Driving Record: 2 speeding tickets (11-15 MPH over limit)
| Geico | $251 | $3,015 | -35% |
| Travelers | $276 | $3,315 | -28% |
| Allstate | $328 | $3,935 | -15% |
| Nationwide | $393 | $4,722 | 2% |
| Progressive | $420 | $5,043 | 9% |
Cheapest SR-22 Car Insurance in Mississippi by City
Farm Bureau offers the cheapest SR-22 car insurance in Mississippi, with rates starting at $63 per month in Coffeeville. You can review its rates for major cities across Mississippi below.
| Biloxi | Farm Bureau | $88 |
| Coffeeville | Farm Bureau | $63 |
| Edwards | Farm Bureau | $73 |
| Jackson | Travelers | $95 |
| Pearl | Farm Bureau | $89 |
* Rates represent a 40-year-old male driver with a DUI, good credit and a 2012 Toyota Camry LE.
Best Cheap SR-22 Car Insurance Companies in Mississippi
Travelers is the best car insurance provider for SR-22 filing because it offers the strongest combination of affordable rates, excellent customer service and useful coverage options, earning it the highest overall MoneyGeek score. You should also consider Progressive, Farm Bureau, Shelter and Allstate.
| Travelers | 4.86 | 2 | 1 | 5 |
| Progressive | 4.76 | 5 | 2 | 2 |
| Farm Bureau | 4.65 | 1 | 3 | 7 |
| Shelter | 4.62 | 3 | 7 | 3 |
| Allstate | 4.42 | 7 | 6 | 4 |
Travelers
Best Overall for SR-22 Insurance in Mississippi
4.9/5Affordability
5/5Customer Experience
3.9/5Coverage Options
Average Monthly Full Coverage Cost
$183For 100/300/100 liability and $1,000 deductible comprehensive and collision coverage for drivers with an SR-22Average Monthly Minimum Coverage Cost
$93For minimum state coverage for drivers filing an SR-22Best For
Young Drivers With a Suspension
How Much Is SR-22 Car Insurance in Mississippi?
SR-22 car insurance in Mississippi costs $1,741 annually for minimum coverage and $3,497 for full coverage policies. Mississippi ranks 20th nationally for minimum coverage affordability and 23rd for full coverage. Monthly rates can vary substantially based on driver profiles, ranging from $78 to $713.
| Minimum Coverage | $145 | $1,741 | -18% |
| Full Coverage | $291 | $3,497 | -12% |
*Average rates shown represent a 40-year-old male driver with a DUI, good credit and a 2012 Toyota Camry LE.
Average SR-22 Car Insurance Cost by Mississippi City
Our analysis of Mississippi SR-22 insurance rates shows Coffeeville has the lowest average premiums at $121 per month, while Jackson has the highest at $156 monthly. Below you can review costs for major cities in the state for both full and minimum required coverage policies.
Data filtered by:Results filtered by:
Select
Coverage Type:Minimum Coverage
| Biloxi | $147 | $1,759 |
| Coffeeville | $121 | $1,448 |
| Edwards | $145 | $1,735 |
| Jackson | $156 | $1,869 |
| Pearl | $158 | $1,895 |
* Rates shown are for a 40-year-old male driver with a DUI, good credit and a 2012 Toyota Camry LE.
Mississippi SR-22 Insurance Requirements
To comply with Mississippi laws, you must carry these minimum liability limits:
- $25,000 personal injury liability per person
- $50,000 personal injury liability per accident
- $25,000 property damage liability per accident
In the state, SR-22 certificates are required for three years. This period can extend beyond three years if you don't comply with requirements or have repeated offenses.
TYPES OF SR-22 FILINGS
For drivers who need comprehensive coverage, Mississippi offers an SR-22 Operators-Owner Certificate option. This combines traditional and non-owner policies, providing coverage whether you're driving your own vehicle or someone else's car. This option proves particularly useful for drivers who own a vehicle but regularly operate others' cars.
Other Mississippi SR-22 Insurance Laws and Regulations
Mississippi drivers need to understand various insurance laws and regulations beyond just filing an SR-22 to meet the state's minimum coverage requirements.
- First offense: requires one year of SR-22 coverage
- Second offense within five years: leads to a two-year suspension with continued SR-22 requirement
- Third offense within five years: results in a three-year suspension with ongoing SR-22 requirement.
SR-22 Filing and Reinstatement Fees
SR-22 filing fees in Mississippi range from $25 to $50, while license reinstatement fees run from $100 to $175 based on your violation type. The state offers payment plans for total fees exceeding $200 to help make costs more manageable.
Coverage Lapses and Cancellations
Your insurance company must notify the Mississippi Department of Public Safety immediately if your SR-22 coverage lapses or gets canceled. This results in automatic license suspension until you file a new SR-22 and pay reinstatement fees.
SR-22 Requirement Duration
Mississippi requires SR-22 insurance for three years in most cases, but this extends to five years for serious violations involving injuries, death, or major property damage. For non-driving violations, the requirements are:
SR-22 Filing Process
To file an SR-22 in Mississippi, contact an insurance provider licensed in the state and purchase a policy meeting Mississippi's minimum coverage requirements. Your insurance company files the SR-22 electronically with the Department of Public Safety, with typical processing taking 72 hours.
WHAT TO DO IF PROVIDERS DENY YOU COVERAGE
Unlike many other states, Mississippi doesn't operate a state-sponsored high-risk insurance program for drivers with trouble finding coverage. However, Mississippi residents who need SR-22 insurance can still secure a policy through private insurance companies that specialize in high-risk auto insurance. Working with an independent insurance agent can help drivers compare multiple quotes from carriers willing to cover higher-risk drivers.
Cheap SR-22 Insurance in Mississippi: Bottom Line
In Mississippi, drivers with severe violations must file an SR-22 to prove they have minimum coverage. This requirement lasts three years, depending on the offense. While an SR-22 costs more, cheap car insurance options are available for these drivers.
SR-22 Insurance Mississippi: FAQ
Below are frequently asked questions about SR-22 certifications in Mississippi:
What are the cheapest SR-22 car insurance options in Mississippi?
Farm Bureau provides Mississippi's most affordable SR-22 car insurance at $82 per month for minimum coverage. Progressive and Travelers follow as the next most budget-friendly options.
How much does filing an SR-22 increase car insurance rates in Mississippi?
Filing an SR-22 increases car insurance rates in Mississippi by 18% compared to drivers with clean records.
How long do you need to have an SR-22 in Mississippi?
In Mississippi, you must maintain an SR-22 and continuous insurance coverage for three years. Letting coverage lapse resets the SR-22 period and can trigger additional penalties.
How We Decided the Best and Cheapest SR-22 Insurance in Mississippi
MoneyGeek analyzed hundreds of thousands of quotes across Mississippi to determine the average cost of car insurance premiums for drivers with various profiles that would likely need an SR-22. All data was sourced from Quadrant Information Services and extrapolated by our team to give you personalized recommendations for your specific profile.
Mississippi SR-22 Driver Profile
We collected data for a sample driver with the following attributes and modified it to other common profiles for those needing an SR-22:
- 40-year-old male
- Driving record with a DUI
- 2012 Toyota Camry LE
- 12,000 miles driven annually
- Suspended license
- Single
- No claims history
Coverage Levels and Deductibles
We gathered quotes for minimum coverage policies to help drivers find the cheapest SR-22 insurance for their coverage needs. Quotes were based on Mississippi's minimum coverage requirements, with the following limits:
- $25,000 personal injury liability per person
- $50,000 personal injury liability per accident
- $25,000 property damage liability per accident
We based our analysis for full coverage quotes that include comprehensive and collision protection on these coverage amounts with a $1,000 deductible:
- $100,000 bodily injury liability per person
- $300,000 bodily injury liability per accident
- $100,000 property damage liability per accident
Our Best SR-22 Company Rating Methodology
We rated all companies based on the following rating scale:
- Affordability (60% of score): We analyze premium costs by gathering quotes across multiple driver profiles and comparing pricing against regional competitors. This substantial weight reflects the primary concern most consumers have when selecting insurance coverage.
- Customer experience (30% of score): Our customer service evaluation includes Google reviews, J.D. Power scores, AM Best financial ratings, and consumer feedback from Reddit discussions. We check these different sources to see how companies really perform for their customers.
- Coverage options (10% of score): We evaluate the breadth and depth of available coverage types, examining both the quantity of options and the distinctiveness of specialized benefits or unique features each provider offers.
Learn more about MoneyGeek's car insurance methodology.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.
