Cheapest SR-22 Car Insurance in Mississippi (August 2024)

An SR-22 is not an insurance policy but a certificate proving you meet Mississippi's minimum coverage requirements after a serious violation, such as a DUI. Your insurer or you must file it, and while the SR-22 itself won't affect your rates, the infractions leading to its requirement can cause a significant premium hike.

State Farm offers the most affordable SR-22 with an annual rate of $335, closely followed by Progressive at $445 per year. For those not owning a car but still needing SR-22 coverage, the best rates come from State Farm at $483 annually and Progressive with a yearly premium of $593. These options present cost-effective solutions for drivers to maintain their financial responsibility on the road.

The cheapest companies for minimum coverage SR-22 car insurance in Mississippi are:

• State Farm: $28 per month, $335 per year
• Mississippi Farm Bureau: $48 per month, $582 per year

The least expensive providers for full coverage SR-22 insurance in Mississippi are:

• State Farm: $78 per month, $938 per year
• Mississippi Farm Bureau: $107 per month, $1,288 per year

After a driving violation, you'll likely face higher car insurance rates as a high-risk driver. Nonetheless, affordable cheap SR-22 car insurance is available. Comparing quotes from various insurers can help you find reasonable rates for both minimum coverage auto insurance and full coverage car insurance.

In your search for the most cost-effective insurance, remember that the cheapest provider in Mississippi can offer significant savings without compromising on quality.

The companies with the cheapest non-owner SR-22 insurance for Mississippi residents are:

• State Farm: $40 per month, $483 per year
• Progressive: $49 per month, $593 per year

Non-owner car insurance can fulfill the liability coverage requirements for individuals who do not own a vehicle but need to file an SR-22 due to a license suspension, revocation or serious traffic violations. This form is essential for maintaining legal driving status without owning a car.

For non-owner drivers, finding the most affordable provider is crucial because it allows for compliance with state minimum coverage requirements without overpaying for premiums.

An SR-22 is a certification your insurance company files with Mississippi's Department of Public Safety to prove you're carrying the state's minimum coverage after certain traffic violations. It's not insurance but a form showing you have insurance. Drivers or their insurers must file it, typically for three years. If your SR-22 is cancelled, terminated or lapses, insurers are required to notify the state immediately.

An SR-22 verifies that you have the following minimum car insurance requirements:

• $25,000 for bodily injury liability per person
• $50,000 for bodily injury liability per accident
• $25,000 for property damage liability per accident

Even if you don't own a car, you'll need SR-22 non-owner car insurance. Remember, an insurance card is not a substitute for an SR-22 form.

Mississippi drivers who've made serious driving mistakes might need an SR-22. This form proves you have minimum coverage auto insurance, which is necessary to keep your driver's license. If you've had a DUI, drove without insurance, or committed a major traffic violation, expect to file an SR-22. Your insurance company can help with this.

The requirement typically lasts for three years. All the offenses that trigger the need for an SR-22 are detailed below, so you'll know exactly when it applies to you.

Having an SR-22 in Mississippi can lead to not just higher premiums and limited minimum coverage options but also the risk of insurers denying coverage or canceling your policy. It's important to keep your insurance active without breaks because any lapse might reset your SR-22 period, which typically lasts for three years in the state.

Knowing the consequences of not filing an SR-22 when required is key to maintaining your driving privileges and avoiding legal issues.

Below is the list of how an SR-22 negatively impacts your car insurance in Mississippi:

The average cost of SR-22 car insurance in Mississippi for drivers with a DUI is $851 for minimum coverage and $1,989 for full coverage. In contrast, drivers with a clean record pay $444 for minimum coverage and $1,061 for full coverage.

The severity of your offense significantly impacts your premiums. It's not the SR-22 certificate that raises your rates but the violations associated with it. If you're a repeat offender or have a severe violation, your insurer might not renew your policy or may increase your rates at renewal.

An SR-22 certificate in Mississippi typically lasts for three years. During this period, you must maintain minimum liability coverage of 25/50/25.

Filing an SR-22 in Mississippi is essential for drivers with serious violations like DUI. It's mandatory, and failure to file can result in loss of driving privileges. Minimum coverage requirements must be met for three years.

Here are the steps to secure an SR-22 in Mississippi:

If your SR-22 lapses in Mississippi, your driving rights will be suspended again. To drive legally, you'll need a new SR-22. This proves you have minimum coverage auto insurance. The cost for a new SR-22 varies, so check with your insurer.

A DUI on your record can bump up your car insurance to an annual premium of $854 compared with $448 with a clean record. Despite this, you can still find car insurance after a DUI that won't break the bank.

For those navigating the SR-22 in Mississippi, it's important to seek out minimum coverage that meets the state's requirements while still being affordable. With a bit of research, securing a policy that protects you and your wallet is achievable.

Finding affordable SR-22 insurance in Mississippi can be a challenge. Get answers to common questions about securing budget-friendly coverage.