Cheapest SR-22 Car Insurance in Mississippi: 2026 Rates and Requirements

Travelers offers the cheapest SR-22 car insurance in Mississippi at $90 a month. Compare top providers, violation rates and filing requirements to find the best rate.

Written by Mark Fitzpatrick

Updated: April 29, 2026

Advertising & Editorial Disclosure

Key Takeaways

Travelers is the cheapest SR-22 insurance provider in Mississippi at $90 per month for minimum coverage.

Mississippi drivers with a DUI pay an average of $101 per month for state minimum SR-22 coverage.

Mississippi requires SR-22 filing for three years from the conviction date, and coverage lapses restart the clock with no grace period.

Cheapest SR-22 Insurance in Mississippi

Mississippi is the only state in this series where the cheapest SR-22 provider also ranks first on MoneyGeek's overall scored analysis. Travelers leads on both cost and composite score, and also averages $90 per month for minimum coverage. Compared to the clean-record state average of $58 per month, SR-22 drivers with Travelers pay 55% more.

For drivers seeking the lowest possible rate to reinstate their license, Travelers at $90 per month is the clear recommendation. Drivers with a financed vehicle who need full coverage car insurance in Mississippi will pay $177 per month with Travelers, while those with credit challenges should also compare options through car insurance for drivers with bad credit.


Travelers	$90	$177	44%
Progressive	$107	$247	26%
Allstate	$128	$251	21%
Nationwide	$152	$310	4%
Geico	$190	$436	31%

Cheapest SR-22 by Violation in Mississippi

Farm Bureau offers the lowest SR-22 rates for drivers with multiple speeding tickets in Mississippi at $60 per month for minimum coverage. Drivers with a hit-and-run violation pay the highest rates among the categories listed, with the cheapest option at $82 per month, a $22 monthly gap over the speeding-ticket category. DUI drivers can find additional guidance on car insurance after a DUI for their full range of options.


Drivers With Hit-And-Run Accident	Farm Bureau	$82	$178.00	40%
Drivers With Hit-And-Run Accident	Travelers	$92	$181.00	37%
Drivers With Multiple Speeding Tickets	Farm Bureau	$60	$136.00	40%
Drivers With Other Violations	Farm Bureau	$67	$159.00	18%
Drivers With Other Violations	Travelers	$84	$155.00	13%
Drivers With Racing Violation	Travelers	$91	$179.00	37%
Drivers With Racing Violation	Farm Bureau	$81	$177.00	40%
Senior Drivers With a Suspension	Farm Bureau	$74	$159.00	45%
Senior Drivers With a Suspension	Travelers	$103	$189.00	32%
Young Drivers With a Suspension	Travelers	$97	$198.00	43%
Most Drivers Needing a SR-22	Farm Bureau	$82	$180.00	40%
Most Drivers Needing a SR-22	Travelers	$93	$183.00	37%

Cheapest SR-22 Insurance in Mississippi by City

Coffeeville is the most affordable city for SR-22 insurance in Mississippi at $63 per month for minimum coverage, while Jackson is the most expensive at $95 per month, a $32 monthly difference. Farm Bureau leads across most cities, including Coffeeville, Edwards, Biloxi, and Pearl, though Travelers takes the top spot in Jackson. Drivers can review cheapest car insurance in Mississippi for options once their filing period ends.


Coffeeville	Farm Bureau	$63	$156	0.43
Edwards	Farm Bureau	$73	$173	0.45
Biloxi	Farm Bureau	$88	$184	0.38
Pearl	Farm Bureau	$89	$182	0.41
Jackson	Travelers	$95	$181	0.40

Best SR-22 Insurance Companies in Mississippi

Travelers ranks first among SR-22 insurers in Mississippi, leading in affordability and making it the top choice for drivers who need the lowest rate to reinstate their license. Mississippi's competitive voluntary market means Travelers can offer SR-22 drivers statewide access without the surcharges common in higher-cost states.

Progressive ranks second and leads on coverage options, making it a good fit for SR-22 drivers who want a wider range of policy options alongside a competitive rate. Drivers who want to compare top-rated insurers beyond the SR-22 context can review best car insurance in Mississippi and best car insurance companies for a broader picture.


Travelers	4.84	4.92	3.93	5
Progressive	4.75	4.77	4.82	4.68
Farm Bureau	4.64	4.98	2.5	4.67
Shelter Insurance	4.6	4.8	4.47	4.25
Allstate	4.45	4.54	4.11	4.39

Top Pick for Cheapest SR-22 Rates in Mississippi

Travelers

Travelers offers the cheapest SR-22 minimum coverage in Mississippi at $90 per month, backed by the highest customer experience score among rated SR-22 insurers in the state. Its NAIC complaint ratio is 0.72, meaning it receives fewer complaints than the national median. Travelers provides a smooth SR-22 filing experience with minimal policy complications. It holds an AM Best A++ (Superior) financial strength rating.

Top Pick for SR-22 Coverage in Mississippi

Progressive

Progressive is the second-ranked SR-22 insurer in Mississippi, averaging $107 per month for minimum coverage and earning the highest coverage score among top-rated SR-22 providers. Its NAIC complaint ratio is 0.88, slightly below the national median. Progressive's broad coverage options are well suited for SR-22 drivers who want more than the state minimum. It holds an AM Best A+ (Superior) financial strength rating.

How Much Is SR-22 Insurance in Mississippi?

Mississippi drivers with a DUI pay an average of $101 per month ($1,212 annually) for state minimum SR-22 coverage, compared to $58 per month for drivers with a clean record, a 74% increase. Other violations carry lower rates, so comparing carefully can save you money. Use the average cost of car insurance in Mississippi page and the car insurance calculator Mississippi to estimate your personal rate.

Data filtered by:


DUI - BAC >= .08	$216	$2,588	73%
At Fault Accident ($1000-$1999 Prop Dmg)	$193	$2,314	54%
Speeding 11-15 MPH over limit	$157	$1,886	26%
Texting While Driving	$156	$1,876	25%

SR-22 FILING FEE IN MISSISSIPPI

Mississippi insurers charge a one-time filing fee of $15 to $25 to submit your SR-22 to the Mississippi Department of Public Safety (Driver Services). This fee is separate from your insurance premium and from the DPS reinstatement fee, which varies by violation type.

Mississippi SR-22 Insurance Requirements

An SR-22 is a certificate of financial responsibility, not an insurance policy. Your insurer files it with the Mississippi Department of Public Safety, Driver Services, to confirm you carry at least the state minimum liability coverage. Mississippi requires the certificate for three years from your conviction date, and the state doesn't use FR-22 or FR-44. SR-22 is the only financial responsibility certificate required in Mississippi.

If your coverage lapses at any point during those three years, your license is re-suspended immediately with no grace period, and the three-year clock restarts from scratch. You will also pay a $75 reinstatement fee through the Mississippi Department of Public Safety, Driver Services portal or by mail before your license can be reinstated. Drivers who need a non-owner policy can review non-owner SR-22 insurance for options that cover any vehicle you drive without owning one.

Mississippi Minimum Liability Limits

Mississippi law requires every driver to carry at least 25/50/25 coverage. SR-22 drivers must meet these same minimums to satisfy the filing requirement.

$25,000 Bodily Injury Per Person

Covers injuries to one person in an at-fault accident up to $25,000. Mississippi's per-person limit is below the national median, so drivers with assets to protect should consider higher limits.

$50,000 Bodily Injury Per Accident

Covers total bodily injury costs across all injured parties in a single accident. This cap applies regardless of how many people are hurt.

$25,000 Property Damage

Covers damage to another person's vehicle or property in an at-fault accident. Mississippi's $25,000 property damage limit is lower than many states and may not cover a newer vehicle in full.

Mississippi SR-22 Filing Types

Mississippi issues two types of SR-22 certificates depending on whether you own the vehicle you drive.

Owners Certificate

Required for drivers who own the vehicle they are insuring. This is the standard SR-22 filed with your auto policy.

Operators Certificate

A non-owner SR-22 for drivers who do not own a vehicle. It covers any non-owned vehicle you drive and is filed with Mississippi Department of Public Safety (Driver Services). See non-owner SR-22 insurance and non-owner car insurance in Mississippi for details.

Fees, Lapse Rules and Filing Process

Mississippi's SR-22 rules include a state reinstatement fee, immediate lapse consequences and electronic filing through your insurer.

SR-22 Filing Fee

Insurers charge a one-time filing fee of $15 to $25 at policy inception. This is separate from your premium and from the state reinstatement fee.

Coverage Lapse Consequences

If your SR-22 coverage lapses, your license is suspended immediately. There is no grace period. The three-year SR-22 clock restarts from scratch, and you must file a new certificate plus pay the $75 reinstatement fee before driving legally again.

Filing Process

Your insurer files the SR-22 electronically with the Mississippi Department of Public Safety (Driver Services). The certificate is submitted within 24 to 48 hours of policy inception, and the DPS confirms the filing within three to five business days.

WHAT TO DO IF INSURERS DENY YOU COVERAGE

If two or more standard market insurers deny you coverage, you may be eligible for the Mississippi Automobile Insurance Plan (MSAIP), which provides state minimum liability coverage (25/50/25) as a coverage of last resort. Apply through any licensed Mississippi insurance agent. MSAIP rates are higher than voluntary market rates, but the plan keeps you legally covered while your SR-22 is active. Drivers with limited income can also review low-income car insurance in Mississippi for additional options.

SR-22 Insurance in Mississippi: Bottom Line

Travelers is the cheapest SR-22 insurance provider in Mississippi at $90 per month for minimum coverage, making it the top choice for most drivers who need to reinstate their license at the lowest possible cost. Travelers also earns the highest composite MoneyGeek score in the state, which means drivers who want both affordability and reliable service do not have to choose between the two.

Before your three-year SR-22 period ends, confirm with your insurer that the certificate has been formally withdrawn from the Mississippi Department of Public Safety, Driver Services, so your record is clear. Once the SR-22 requirement is satisfied, the cheapest car insurance in Mississippi can help you lock in a lower standard-market rate right away.

Frequently Asked Questions About SR-22 Insurance in Mississippi

What is the cheapest SR-22 insurance in Mississippi?

Travelers is the cheapest SR-22 insurance provider in Mississippi at $90 per month for minimum coverage. Its low rate is consistent across Mississippi cities, and it is best suited for drivers who need to meet the SR-22 filing requirement at the lowest possible cost while maintaining reliable coverage.

How much does SR-22 insurance cost after a DUI in Mississippi?

Mississippi drivers with a DUI pay an average of $101 per month for state minimum SR-22 coverage. That is 74% more than the clean-record average of $58 per month for the same coverage level. Mississippi also requires an ignition interlock device (IID) for DUI convictions, which adds to the total cost of reinstatement.

How long do I need SR-22 insurance in Mississippi?

The SR-22 filing requirement in Mississippi lasts three years from your conviction date. If your coverage lapses at any point, your license is re-suspended immediately, the three-year clock restarts from scratch, and you must pay the $75 reinstatement fee before driving again. There is no grace period.

Does Mississippi allow credit scoring for SR-22 insurance rates?

Credit scores are a permitted rating factor for auto insurance in Mississippi, including SR-22 policies. SR-22 drivers with poor credit pay more than those with good credit for the same violation. This differs from California, where Prop 103 prohibits credit-based pricing. Mississippi insurers must file their credit scoring models with the state insurance department.

What is the SR-22 filing fee in Mississippi?

Mississippi insurers charge a one-time filing fee of $15 to $25 at policy inception to submit the SR-22 to the Mississippi Department of Public Safety (Driver Services). This fee is set by the insurer, not the state, and is separate from your insurance premium. It is also separate from the $75 state reinstatement fee you pay directly to the Mississippi Department of Public Safety (Driver Services) before your license is reinstated.

What happens if no insurer will write my SR-22 policy in Mississippi?

If two or more standard market insurers deny you coverage, you are eligible for the Mississippi Automobile Insurance Plan (MSAIP). MSAIP provides state minimum liability coverage (25/50/25) as a coverage of last resort and is accessible through any licensed Mississippi insurance agent. Rates through MSAIP are higher than voluntary market rates, but the plan keeps you legally covered while your SR-22 requirement is active.

MoneyGeek analyzed SR-22 insurance rates across Mississippi cities and violation types using data from Quadrant Information Services. Rates represent drivers with serious violations, with a clean-record baseline based on a 40-year-old male driver. See our full methodology.

Rates and rankings are updated when new Quadrant Information Services data is available.

About Mark Fitzpatrick

Mark Fitzpatrick, a Licensed Property and Casualty (P&C) Insurance Producer in Connecticut, is MoneyGeek's resident insurance expert. He has analyzed the insurance market for almost a decade, first with LendingTree and now with MoneyGeek, conducting original research on hundreds of insurance companies and millions of insurance rates for insurance shoppers.

He writes about economics and insurance on MoneyGeek, breaking down complex topics so people can have confidence in their purchase. Like all MoneyGeek analysts, Mark collects and analyzes independent cost and consumer experience data on insurance companies to provide objective recommendations in our content that are independent of any of MoneyGeek's insurance company partnerships.

His insights on products ranging from car, home and renters insurance to health and life insurance have been featured in The Washington Post, The New York Times and NPR, among others.

Mark holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He started his career working in financial risk management at State Street before transitioning to the analysis of the personal insurance market. He's also a five-time Jeopardy champion!

Read Full Bio »