Updated March 2026
State Requirements
Mississippi requires minimum liability coverage of $25,000 per person and $50,000 per accident for bodily injury, plus $25,000 for property damage. SR-22 filing is triggered by DUI convictions, driving without insurance, repeat traffic violations leading to suspension, and at-fault accidents without insurance. The state uses a point system where accumulating 12 points in 24 months results in suspension, but most standard violations do not require SR-22 unless they lead to a suspension or involve driving uninsured.
Cost Overview
High-risk auto insurance in Mississippi costs significantly more than standard coverage, with premiums averaging $2,400–$4,800 annually depending on violation type. DUI convictions typically double or triple rates, while at-fault accidents and speeding tickets can increase premiums by 30–80%. Non-standard carriers often offer the most affordable options for drivers with violations, and rates begin to normalize 3–5 years after the violation date if no new incidents occur.
What Affects Your Rate
- Type of violation: DUI, reckless driving, and at-fault accidents increase rates more than speeding tickets
- Number of points on your record: Mississippi suspends licenses at 12 points in 24 months, but rates increase progressively with each violation
- SR-22 filing requirement: Adds $15–$35 to file and signals high-risk status, resulting in 50–200% premium increases
- Time since violation: Rates decrease annually after a violation if no new incidents occur, with most carriers offering clean-slate pricing after 5 years
- Carrier type: Non-standard insurers like The General, Progressive, and state-specific high-risk carriers often quote 20–40% lower than standard market rates for the same coverage
- Mississippi's uninsured driver rate: High uninsured motorist rates statewide increase base premiums for all drivers, especially those in urban areas like Jackson and Gulfport
Compare rates from carriers that work with drivers who have points
Standard carriers surcharge heavily after violations. These specialists price your specific record differently.
Get Your Free QuoteCoverage Types
Liability Insurance
Covers injuries and property damage you cause to others. Mississippi's $25,000/$50,000/$25,000 minimums are low, and one at-fault accident can exceed these limits, leaving you personally liable for the difference.
SR-22 Insurance
Proof of insurance filed with the state for drivers with DUI, suspensions, or uninsured accidents. The SR-22 itself costs $15–$35 to file, but premiums increase 50–200% because it signals high-risk status to insurers.
Non-Standard Auto Insurance
Coverage from insurers specializing in drivers with violations, suspensions, or SR-22 requirements. Non-standard carriers price risk differently and often provide the most affordable option for high-risk profiles.
Uninsured Motorist Coverage
Protects you if hit by a driver without insurance. Not required in Mississippi, but recommended given the state's 20–25% uninsured driver rate.
Full Coverage
Combines liability, collision, and comprehensive. Required if you finance a vehicle, and recommended for drivers with newer cars or significant vehicle value at risk.
Collision Coverage
Covers damage to your vehicle from an accident regardless of fault. Not required by Mississippi but mandatory if you have a loan or lease.
