Cheapest SR-22 Car Insurance in Mississippi

Farm Bureau has Mississippi's cheapest SR-22 insurance at $988 for minimum coverage and $2,160 for full coverage. That minimum premium is $891 below the state average of $1,879, offering meaningful savings of about 36% for drivers who need an SR-22 filing.

Allstate, the most expensive provider on our list, charges $1,586 for minimum coverage, only 4% below the state average and $598 more than Farm Bureau. The gap demonstrates how crucial carrier selection is when managing SR-22 costs.

The table below lists the five companies providing the most affordable SR-22 coverage in Mississippi.

* Rates represent a 40-year-old male driver with a DUI, good credit and a 2012 Toyota Camry LE.

Farm Bureau is the most frequent low-cost winner across categories. The least-expensive group is Drivers With Multiple Speeding Tickets, at $717 for minimum coverage SR-22 insurance with Farm Bureau, while the most expensive is Young Drivers With a Suspension, at $1,164 with Travelers. The $447 spread shows how age combined with suspension history drives steep SR-22 increases.

Your SR-22 rate will depend on your violation profile, timing, and each insurer's high-risk underwriting approach.

* 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.

Coffeeville is Mississippi's cheapest city for minimum coverage SR-22 at $761 (Farm Bureau), while Jackson averages $1,142 (Travelers). The $381 difference is roughly 50% higher in the capital, where traffic, weather-related claims, and repair costs tend to run above smaller cities.

Local exposures from storm losses to theft and congestion often explain Mississippi's city-level SR-22 price gaps.

* Rates represent a 40-year-old male driver with a DUI, good credit and a 2012 Toyota Camry LE.

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.

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.

*Average rates shown represent a 40-year-old male driver with a DUI, good credit and a 2012 Toyota Camry LE.

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.

* Rates shown are for a 40-year-old male driver with a DUI, good credit and a 2012 Toyota Camry LE.

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.

Mississippi drivers need to understand various insurance laws and regulations beyond just filing an SR-22 to meet the state's minimum coverage requirements.

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.

Below are frequently asked questions about SR-22 certifications 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.