Mississippi drivers who have major traffic violations on their records, like DUIs or speeding tickets, are required to file an SR-22 form through their insurance company. This ensures their policy meets the state’s minimum auto insurance requirements. SR-22 policies are similar to your typical car insurance policy but are more costly due to committing a driving violation. State Farm is the cheapest and most widely-available car insurance company for those with SR-22 insurance, costing an average of $526 per year.
Mississippi SR-22 Insurance: What it is and How Much it Costs
Which Mississippi Insurance Companies Offer the Cheapest SR-22 Insurance?
The cost of SR-22 insurance depends on the severity of the traffic violation/s on a driver’s record. On average, the cost of a car insurance policy that meets Mississippi’s state minimum costs $904 per year when an SR-22 form was filed as a result of a DUI. This is 81.53% more compared to drivers with clean records, who pay an average of $498 per year for car insurance without an SR-22 form.
Drivers can still find cheap car insurance in Mississippi even if they’ve filed for an SR-22 form. The most affordable SR-22 insurance option in the state is USAA, at an average of $519 per year. However, their policies are only available for military families. State Farm, on the other hand, offers cheap SR22 insurance in Mississippi to a wider market at an average of $526 per year.
Cheapest Companies for SR-22 Insurance in Mississippi
Scroll for more
Prices gathered are for a policy that meets Mississippi’s minimum car insurance requirements or a full coverage policy with 100/300/100 limits. This includes $300,000 in bodily injury liability for all persons per accident with a $100,000 limit per person along with $100,000 in property damage.
Note that the average cost of car insurance can vary based on a number of factors. Drivers who have filed an SR-22 and want the lowest rates should compare at least three car insurance companies and their respective quotes to make the best decision.
Filing for SR-22 insurance usually comes with a one-time fee of around $25
Drivers previously eligible for good driver discounts will lose them, making SR-22 insurance more costly
Rates for SR-22 insurance vary based on the violation and its severity
What Is SR-22 Insurance in Mississippi? Who Needs It? How Do You Get It?
SR-22 insurance is not an actual policy — but a form that insurers file to prove that a driver’s policy meets the state’s minimum liability coverage requirements. This is for drivers who have committed a major traffic violation, such as reckless driving or a DUI. Note that the rates of insurance after a DUI are more costly compared to those with clean driving records.
When filing for SR-22 insurance, Mississippi residents need to prove they meet the state’s minimum car insurance requirements. The state requires the following:
- $25,000 in bodily injury liability per person
- $50,000 in bodily injury liability per accident
- $25,000 in property damage liability per accident
Who Needs SR-22 Insurance in Mississippi? And for How Long Do They Need It?
Not every violation calls for SR-22 insurance, but in the state of Mississippi and across other states, drivers will likely have to file an SR-22 after one of the following severe violations:
- Reckless driving
- Driving without insurance coverage
- Driving with a suspended license
Minor violations such as a ticket or a standard accident won’t require SR-22 forms but may still affect car insurance rates. However, the rates of car insurance after tickets or accidents are much less than if a driver files for SR-22 insurance. How long you need SR22 insurance in Mississippi will depend on the severity of the violation along with other factors, but in most cases, this will be around three years.
How Do You Get SR-22 Insurance in Mississippi?
Insurance companies will only file an SR-22 with the state upon the request of the policyholder. However, as this is an indication that you are a high-risk driver, insurers will charge higher-than-normal rates — and some may even choose not to cover you. Fortunately, the Automobile Insurance Plan Service Office can offer Mississippi drivers an option to file for an SR-22 should they not find an insurer willing to cover them.
Non-Owner SR-22 Insurance in Mississippi
Drivers in Mississippi who have committed a major traffic violation are likely to have their license suspended. To get it reinstated, they’ll have to file for SR-22 insurance — even if they don’t have a car.
Those who don’t own a car but have a major traffic violation can go with non-owner car insurance, which is the most affordable option. This allows you to provide proof of insurance to get your license reinstated and is best for those who regularly borrow or rent vehicles.
Nonowner SR22 insurance in Mississippi costs an average of $889 a year. USAA is the cheapest non-owner SR-22 insurance provider in the area, with rates averaging at $340 per year, but their policies are only available for military families. The next cheapest and most-widely available option is Travelers, offering insurance at an average of $434 per year.
The Average Cost of Non-Owner SR-22 Car Insurance in Mississippi
Scroll for more
MoneyGeek gathered rates for non-owner SR-22 insurance for Mississippi drivers with a DUI on their record looking for a policy with $50,000 in bodily injury liability per person, $100,000 in bodily injury liability per accident and $50,000 in property damage liability per accident.
FAQs About SR-22 Insurance in Mississippi
When it comes to SR-22 insurance, Mississippi drivers can understandably get confused. We’ve rounded up the most commonly asked questions on rates, the form filing process and who to shop with to help reduce the confusion.
Read More About Car Insurance
MoneyGeek analyzed renters insurance premiums from nine of the top insurance companies in Mississippi that were provided in partnership with Quadrant. Our analysis includes quotes from ZIP codes across Mississippi. Quotes were gathered for policies that meet the state’s minimum coverage requirements and for full coverage policies with $100,000 in bodily injury liability insurance per person, $300,000 in bodily injury liability insurance per accident and $100,000 in property damage liability per accident. Rates are for the same driver with both a clean record and a DUI.
About the Author
- AIPSO. "Mississippi Automobile Insurance Plan." Accessed July 9, 2021.