Cheapest SR-22 Car Insurance in Mississippi (2023)
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, Content DirectorState Farm and Progressive offer the most affordable minimum coverage SR-22 insurance in Mississippi at $330 per year and $382 per year, respectively. State Farm and Progressive are also the cheapest options for non-owner SR-22 insurance at $483 per year and $593 per year, respectively.
If you've been convicted of a major driving offense in the Magnolia State, such as DUI, you may be required to file an SR-22. Although the SR-22 itself won't affect your insurance premiums, nearly all traffic violations that require an SR-22 will cause your rates to increase. Fortunately, there are low-cost SR-22 insurance options in Mississippi if you have offenses on your record.
Cheapest Companies for SR-22 Car Insurance in Mississippi
Cheapest Companies for SR-22 Car Insurance in Mississippi
The two companies that offer the cheapest SR-22 insurance in Mississippi are:
- State Farm: $330 per year
- Progressive: $382 per year
If you’re looking for full coverage SR-22 insurance in the state, here are the most affordable options:
- State Farm: $898 per year
- Progressive: $1,057 per year
After a driving violation, your auto insurance rates are likely to rise because insurers will perceive you as a higher-risk driver who is more likely to file claims. However, you can still find affordable options for SR-22 insurance by shopping around.
In the table below, you'll find some of the top options for low-cost SR-22 car insurance in Mississippi, with yearly premiums between $330 and $1,469.
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What Is SR-22 in Mississippi?
SR-22 is not a type of insurance policy — it's a mandated certificate of financial responsibility that demonstrates that you have the minimum liability insurance coverage required to legally operate a motor vehicle in your state. You may be required to file an SR-22 after severe violations such as a DUI, driving with a suspended license or driving without insurance.
The amount of time you'll need to keep the SR-22 on file varies based on the offense and can range from one to five years. If you have repeat offenses, you can expect the filing period to be longer.
Your insurer is responsible for filling out the document and filing it with the state DMV on your behalf. If you're convicted of a violation, you'll need to let your insurer know and ask them to file the SR-22. This will likely cause your insurance rates to increase as you'll be considered riskier to insure.
Once your financial responsibility requirements have been met, your insurance provider must submit a Financial Responsibility Cancellation Form to inform the state that your SR-22 filing period has concluded.
Cheapest Companies for Non-Owner SR-22 Car Insurance in Mississippi
The most affordable non-owner SR-22 insurance in Mississippi is offered by the following providers:
- State Farm: $483 per year
- Progressive: $593 per year
USAA is an even more cost-effective option for military community members, with an average annual premium of $373 per year.
Drivers who don't own a car may be required to file an SR-22 in certain situations, such as if they are convicted of a serious traffic offense. You may need to get non-owner car insurance if your car was totaled or if you need to get your license reinstated.
Here are the cheapest providers for non-owner SR-22 insurance in Mississippi, with annual premiums between $483 and $897.
Non-owner auto insurance provides coverage for third-party bodily injury and property damage liability. It won't pay for damages to you or your vehicle. Non-owner car insurance is typically more affordable than regular auto insurance and is a good option for renters, rideshare drivers and people who need to file an SR-22 but don't own a car.
MoneyGeek looked into the most affordable Mississippi non-owner auto insurance policies to help you get the best deals.
Average Cost of SR-22 Car Insurance in Mississippi
The average cost of SR-22 insurance in Mississippi for a driver with a DUI is $773 per year for minimum coverage and $1,775 per year for full coverage. You may need to file this form for other infractions, such as speeding and at-fault accidents as well. Having driving offenses on your record will cause your insurance premiums to increase as you are considered a high-risk driver.
It's always wise to shop around and get quotes from several other insurers when it's time to renew your policy. Rates can change over time, so your current provider may no longer be the most competitive. Comparing rates regularly ensures that you're still getting the best price.
How SR-22 Affects Car Insurance Rates in Mississippi
Drivers in Mississippi who are required to submit an SR-22 should expect their annual rate to increase by an average of $363 per year. Filing this form indicates to insurers that you are a higher-risk driver, leading them to charge higher rates.
A few reasons to file an SR-22 include driving without enough insurance coverage, failure to pay court-mandated child support, hardship licenses and being convicted of a DUI. Factors such as the severity of the offense, state regulations and your driving record can affect whether you're required to file, as well as the length of the filing period.
Car Insurance Rate Comparison Based on Driving Records in Mississippi
Annual Premium for Minimum Coverage
$410Annual Premium for Minimum Coverage
$773This is 89% more expensive.
Other Effects of SR-22 on Car Insurance in Mississippi
The consequences of filing an SR-22 in Mississippi may extend beyond higher rates. Some of the other potential effects of having to file this document are listed below.
Limited number of insurance options
If you're required to file an SR-22, most insurance companies will consider you a high-risk driver, and it's likely that fewer providers will be willing to cover you.
Possible policy cancellation
If you commit a violation and need to file an SR-22, your current insurer may decide to void the remainder of your policy. You'll need to find another insurer that is willing to cover drivers with offenses.
Length of required filing
You are generally required to keep an SR-22 on file for between one to three years. Depending on the situation, the filing period may be up to five years.
Filing fees
You might have to pay a one-time SR-22 filing fee between $15 and $5, depending on your state.
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How to Get SR-22 Insurance in Mississippi
After a traffic violation, you normally need to take the following steps to get car insurance:
- Look for an insurance company that provides coverage to drivers with offenses on their driving records.
- Buy an insurance policy that satisfies Mississippi's minimum liability requirements.
- Request that your insurance provider submit an SR-22 form on your behalf with the DMV.
- Make sure you pay all necessary fees and keep the SR-22 form updated.
In Mississippi, the cost of reinstating a license depends on the cause of the suspension. The cost ranges from $25 for child support reinstatement to $175 for reinstatement for drug or DUI offenses. These costs could always change, so it's best to double-check with your local DMV for the most up-to-date details.
How to Get Cheaper Car Insurance in Mississippi After a DUI
Auto insurance coverage after a DUI conviction will cost more, but you can still find affordable SR-22 car insurance by following the steps below.
Compare quotes immediately
After a DUI in Mississippi, shopping around and comparing quotes for auto insurance will help you get the best deal. Since different insurance companies use different underwriting standards and risk evaluations, rates can vary significantly from one company to the next. By comparing prices from several carriers, you can make sure you're getting the lowest price for the coverage you need.
Complete DUI classes or programs
Before a license can be reinstated, some states require drivers who have been convicted of a DUI to successfully complete DUI courses or programs. These courses can teach you how to avoid driving while intoxicated in the future and may show insurers that you're dedicated to driving safely. You may qualify for cheaper insurance rates in Mississippi if you successfully complete a DUI program like MASEP (Mississippi Alcohol Safety Education Program).
Look for discounts
While a DUI will disqualify you for safe driving discounts, you may still be eligible for others. For example, many auto insurance companies offer discounts if you install a tracking device in your car, bundle policies or complete a defensive driving course. When shopping around for insurance, check with potential providers to find out if you qualify for any discounts.
Practice safe driving
Driving safely is one of the best ways to lower your insurance rates after a DUI. Be sure to follow all traffic laws to avoid getting any more violations on your record and prove to insurers that you are a responsible driver, which will help you qualify for lower rates over time.
Shop rates over time
It's a good idea to occasionally shop around to see if you can get a better rate with another company, especially as your driving record improves.
For high-risk drivers, non-standard auto insurance is another option to consider. This kind of insurance is designed for motorists with a history of collisions, DUI convictions or other severe violations. Although non-standard auto insurance is often more expensive than standard insurance, it can be a suitable choice for people who are having trouble getting coverage elsewhere..
Frequently Asked Questions About SR-22 Insurance in Mississippi
MoneyGeek answered frequently asked questions about SR-22 insurance for drivers in Mississippi to help you learn more about your options.
About Mark Fitzpatrick

sources
- Mississippi Driver Service Bureau. "Reinstatement." Accessed June 9, 2023.
- Mississippi State University. "MASEP: A DUI Intervention." Accessed June 9, 2023.