Mississippi SR-22 & High-Risk Auto Insurance
Mississippi requires 25/50/25 liability coverage and is an at-fault state.
Find SR-22 Coverage NowMississippi at a Glance
25/50/25
Minimum liability limits, in thousands of dollars (per person / per accident / property)
At-fault
The at-fault driver's insurance pays for the damage they cause
Optional
PIP and uninsured motorist coverage are not required by law
$100
State license reinstatement fee
Source: state DMV, insurance department and statute records, verified July 2026
State Requirements
Drivers with DUI convictions, multiple violations, license suspensions, or at-fault accidents while uninsured must file SR-22 proof of insurance with the Mississippi Department of Public Safety. Mississippi does not allow proof of financial responsibility through cash deposits or bonds for high-risk drivers — SR-22 must be filed through a licensed insurer. Minimum limits are rarely sufficient for high-risk drivers facing liability exposure or future rate reduction opportunities.
Liability Insurance
SR-22 Insurance
Uninsured Motorist Coverage
Non-Standard Auto Insurance
Full Coverage
Cost Overview
$329–$404/mo
Typical monthly rate in Mississippi, drivers with an SR-22 after a DUI
Rate data: ValuePenguin and NerdWallet, 2026
What Affects Your Rate
- Violation type and severity: DUI convictions carry the highest surcharges in Mississippi, followed by reckless driving and hit-and-run offenses
- Time since violation: Rates drop significantly after 3 years for most violations and 5 years for DUI convictions
See What Your SR-22 Should Really Cost
Find SR-22 Coverage NowIf your license is suspended
Ignition interlock-restricted license (DUI, court-ordered, Miss. Code §63-11-31). A separate DPS Hardship Drivers License is a teen (15-17) school-need permit unrelated to suspensions.
A restricted license is available while suspended.
A coverage lapse is reported
The state can act when your insurance lapses.
Source: state DMV, insurance department and statute records, verified July 2026
Frequently Asked Questions
How long do I need SR-22 in Mississippi after a DUI?
Mississippi requires SR-22 filing for 3 years after a DUI conviction or license reinstatement. The 3-year period begins from the date you file SR-22 and reinstate your license, not from the date of conviction. If your SR-22 policy lapses at any point during the 3 years, your license is suspended and the clock resets.
Which insurance companies offer SR-22 in Mississippi?
Non-standard carriers actively writing SR-22 policies in Mississippi include regional and national insurers specializing in high-risk profiles. Not all standard carriers offer SR-22 filing, and many will non-renew policies after DUI convictions. Independent agents with access to non-standard markets can compare options immediately after violations or suspensions.
Coverage Types
SR-22 Insurance
Certificate of financial responsibility filed by your insurer proving you carry at least minimum liability coverage. Required for 3 years after DUI, suspension, or uninsured violation in Mississippi.
Liability Insurance
Covers injuries and property damage you cause to others. Mississippi's 25/50/25 minimums leave high-risk drivers exposed to lawsuits exceeding policy limits.
Uninsured Motorist Coverage
Protects you if hit by a driver without insurance. Optional in Mississippi but highly recommended given the state's 13% uninsured driver rate.
Non-Standard Auto Insurance
Policies designed for drivers with DUI convictions, suspensions, lapses, or multiple violations. Carriers specialize in high-risk profiles rejected by standard insurers.
Collision Coverage
Pays for damage to your vehicle after an accident, regardless of fault. Required by lenders for financed or leased vehicles in Mississippi.
Comprehensive Coverage
Covers theft, vandalism, weather damage, and animal collisions. Required by lenders and recommended in Mississippi due to hurricane and severe storm risk along the Gulf Coast.