Cheapest SR-22 Car Insurance in Mississippi (2023)

State 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.

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.

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.

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.

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.

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.

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.

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.

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.

MoneyGeek answered frequently asked questions about SR-22 insurance for drivers in Mississippi to help you learn more about your options.