Cheapest SR-22 Car Insurance in Mississippi (2024)


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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.

For minimum coverage, State Farm offers the most affordable SR-22 with an annual rate of $335, closely followed by Progressive at $445 per year. For drivers who do not own a car but still need 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 seeking liability-only coverage.

MoneyGeek Logo IconCheapest SR-22 InsuranceMississippi
2024

Why Trust MoneyGeek? Our team obtained data from the Mississippi Insurance Department and Quadrant Information Services to determine the most affordable SR-22 insurance companies for various driver profiles.

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Cheapest SR-22 Car Insurance in Mississippi

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 moving 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.

Data filtered by:Results filtered by:
Age Group:
Age Group:30-59
Coverage:
Coverage:State Minimum Liability Only
Driving Record:
Driving Record:DUI
State Farm$335$28
Progressive$445$37
Mississippi Farm Bureau$582$48
Direct General Insurance$631$53
Travelers$744$62
Nationwide$814$68
Allstate$830$69
Shelter$1,242$103
GEICO$2,036$170
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Cheapest Non-Owner SR-22 Car Insurance in Mississippi

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.

State Farm$483$40
Progressive$593$49
Travelers$656$55
Nationwide$725$60
GEICO$897$75
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WHAT IS NON-OWNER CAR INSURANCE?

Non-owner car insurance offers liability coverage for individuals who drive frequently but do not own a vehicle. It's ideal for those using rental cars or working as rideshare drivers, covering third-party bodily injury and property damage in at-fault accidents.

Non-owner vehicle insurance in Mississippi is often more affordable than standard insurance. To secure the best rates, compare quotes from multiple insurers.

What Is SR-22 in Mississippi?

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 like DUI, driving without insurance or repeat traffic offenses. 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 canceled, 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.

Who Needs an SR-22 in Mississippi

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.

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    DUI Conviction

    Driving under the influence is a serious offense in Mississippi, leading to SR-22 requirements for minimum coverage.

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    Uninsured Driving

    If you're pulled over and can’t provide proof of auto insurance, you'll need an SR-22 to prove future financial responsibility.

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    Major Traffic Violations

    Serious traffic offenses, such as reckless driving, can trigger the need for SR-22 documentation.

How an SR-22 Impacts Your Car Insurance in Mississippi

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 mid-term. It's important to keep your insurance active without breaks because any lapse might reset your SR-22 requirement, 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:

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    Limited number of insurance options

    High-risk drivers may find fewer insurance providers willing to offer coverage, potentially leading to higher premiums and limited choices.

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    Possible policy cancellation

    Upon filing an SR-22, insurers may cancel your policy mid-term or decide not to renew it, requiring you to seek a new provider.

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    Long period of required filing

    Mississippi mandates that you maintain SR-22 coverage for two years from the date of your qualifying conviction, ensuring continuous minimum liability coverage.

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    Filing fees

    Filing an SR-22 in Mississppi comes with a one-time fee, typically around $25, adding to the financial impact of the filing.

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WHAT TO DO IF NO ONE WILL INSURE YOU

For high-risk drivers with violations, non-standard auto insurance is a viable choice. It typically has higher costs than standard policies, but it provides a necessary solution for obtaining coverage when traditional insurance options are limited due to a poor driving record.

Average Cost of SR-22 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.

Data filtered by:Results filtered by:
Age Group:
Age Group:30-59
Coverage:
Coverage:State Minimum Liability Only
Clean$444$37
Speeding Ticket$552$46
At-fault Accident$720$60
DUI$851$71

How to Get SR-22 Car Insurance in Mississippi

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:

  1. 1
    Determine if you need an SR-22

    If you've committed a DUI, were caught driving without insurance or have serious traffic offenses in Mississippi, you may be ordered by a municipal court to file an SR-22. This form proves you have minimum coverage auto insurance.

  2. 2
    Contact your insurance company

    Reach out to your current insurer to request an SR-22 filing. If they cannot assist, you'll need to find an insurer that offers SR-22 filings in Mississippi.

  3. 3
    Pay the SR-22 filing fee

    Your insurer will charge a fee for filing the SR-22. In Mississippi, this fee typically ranges from $15 to $25, depending on the insurance company.

  4. 4
    Verify state minimum coverage requirements

    Ensure your policy meets Mississippi's minimum liability coverage of 25/50/25 to comply with state laws.

  5. 5
    Confirm filing and maintain coverage

    After your insurer files the SR-22, confirm with the Mississippi Department of Public Safety that the filing has been received. Maintain your insurance coverage for the required three-year period.

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.

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FINANCIAL RESPONSIBILITY CANCELLATION FORM

Once you've completed the three-year mandate for SR-22 in Mississippi, your insurer will file a Financial Responsibility Cancellation Form. This tells the state you're now maintaining minimum coverage without the SR-22 requirement.

How to Save on Car Insurance in Mississippi After a Violation

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.

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    Complete DUI Classes or Programs

    Enrolling in state-recommended DUI classes can demonstrate responsible behavior and commitment to safer driving. Although you will not receive better rates because you completed the class, this proactive step may positively impact your driving record.

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    Look for Discounts

    Even after a DUI, you might be surprised at the discounts you could still qualify for. Check with your insurer about bundling policies and discounts for installing safety equipment, insuring multiple cars, paying in full or setting up electronic billing.

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    Compare Car Insurance Quotes

    It's more important than ever to shop around for minimum coverage. Providers have different methods for calculating rates post-DUI, so use resources like compare auto insurance quotes to find the most affordable plan.

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    Maintain a Clean Driving Record

    Post-DUI, focus on keeping your driving record clean. Over time, avoiding new violations or accidents can help reduce your premiums. Safe driving not only protects you and others but also your wallet.

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    Consider a Less Expensive Vehicle

    Driving a lower-priced or older model car can lead to lower insurance rates. High-value vehicles often come with higher premiums, so choosing a more economical car can be a smart move to save money.

Compare Auto Insurance Rates

Ensure you're getting the best rate for your auto insurance. Compare quotes from the top insurance companies.

FAQ: SR-22 Insurance in Mississippi

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

What are the cheapest SR-22 car insurance options in Mississippi?

How much does filing an SR-22 increase car insurance rates in Mississippi, on average?

How long do you need to have an SR-22 in Mississippi?

About Mark Fitzpatrick


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Mark Fitzpatrick is a Licensed Property and Casualty Insurance Producer and MoneyGeek's Head of Insurance. He has analyzed the insurance market for over five years, conducting original research and creating personalized content for every kind of buyer. He has been quoted in several insurance-related publications, including CNBC, NBC News and Mashable.

Fitzpatrick earned a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his knowledge of economics and insurance to bring transparency around financial topics and help others feel confident in their money moves.