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Mississippi SR-22 & High-Risk Auto Insurance

Mississippi requires 25/50/25 liability coverage and is an at-fault state.

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Mississippi 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

No

A defensive driving course does not remove points here

Source: state DMV, insurance department and statute records, verified July 2026

State Requirements

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.

Liability Insurance

Mississippi's minimum liability limits are mandatory for all drivers. Mississippi does not allow insurers to cancel a policy mid-term solely for points, but they can non-renew after the policy period ends.

SR-22 Insurance

SR-22 is not insurance but a certificate filed by your insurer proving you carry at least the minimum liability coverage. Not all carriers offer SR-22 filing, so drivers often need to work with non-standard insurers like The General, Progressive, or local agencies specializing in high-risk cases.

Uninsured Motorist Coverage

This coverage protects you if you're hit by a driver without insurance and is especially important for high-risk drivers who cannot afford another claim on their record. Many insurers require you to reject this coverage in writing if you choose not to purchase it.

Full Coverage

Full coverage combines liability, collision, and comprehensive. Lenders require it if you finance or lease a vehicle.

Non-Standard Auto Insurance

Non-standard carriers specialize in drivers with violations, suspensions, or SR-22 requirements. In Mississippi, non-standard insurers often offer more competitive rates than standard carriers for high-risk profiles because they price risk differently and don't penalize past violations as heavily. These policies may have higher deductibles or more restrictive terms but provide essential access to coverage when standard carriers decline or quote unaffordable premiums.

Cost Overview

$252–$256/mo

Typical monthly rate in Mississippi, drivers after a speeding ticket

Rate data: ValuePenguin and CarInsurance.com, 2026

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
  • Time since violation: Rates decrease annually after a violation if no new incidents occur, with most carriers offering clean-slate pricing after 5 years
  • 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
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Frequently Asked Questions

How long does SR-22 last in Mississippi?

Mississippi requires SR-22 filing for 3 years from the date of license reinstatement or conviction. If your insurance lapses at any point during those 3 years, the state suspends your license immediately and the 3-year period typically restarts from the new filing date.

How many points suspend your license in Mississippi?

Mississippi suspends your driver's license if you accumulate 12 or more points within 24 months. Points range from 2 for minor violations to 6 for reckless driving. Most standard violations like speeding tickets do not require SR-22 unless they lead to suspension or involve driving uninsured.

How long do points stay on your license in Mississippi?

Points remain on your Mississippi driving record for 24 months from the date of conviction. However, insurance companies typically surcharge for violations for 3–5 years, even after points fall off your state record. Rates begin to normalize 3 years after a violation if no new incidents occur.

What happens if my SR-22 lapses in Mississippi?

If your SR-22 insurance lapses or is cancelled, your insurer must notify the Mississippi Department of Public Safety within 10 days. The state immediately suspends your license, and you must refile SR-22, pay reinstatement fees, and restart the 3-year filing requirement in most cases.

Do I need SR-22 for a speeding ticket in Mississippi?

No, speeding tickets do not require SR-22 filing in Mississippi unless they accumulate enough points to trigger a license suspension or you were driving without insurance at the time. SR-22 is reserved for DUI convictions, uninsured driving, suspensions, and court orders.

Which insurance companies offer SR-22 in Mississippi?

Progressive, The General, and several non-standard carriers offer SR-22 filing in Mississippi. Many standard insurers like State Farm or Allstate decline high-risk drivers or quote unaffordable premiums, so working with a local independent agent who accesses non-standard markets is often the most efficient path to coverage.

Coverage 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.

Find Your City in Mississippi

Jackson

urban

Gulfport

suburban

Southaven

suburban

Hattiesburg

suburban

Biloxi

urban

Tupelo

urban

Olive Branch

suburban

Clinton

suburban