Drivers with Points Insurance
Get a Quote

Mississippi SR-22 & High-Risk Auto Insurance

Mississippi requires SR-22 filing for DUI convictions, suspensions for repeat violations, and uninsured accidents. The filing requirement lasts 3 years and costs $15–$35 to file, but high-risk premiums average $2,400–$4,800 annually depending on violation type and carrier.

Compare Mississippi Auto Insurance

Non-Standard Auto · SR-22 · Senior · Teen Drivers

White car with severe front-end collision damage showing crumpled hood and broken headlight after accident
Quotes from state-licensed insurance professionals
Licensed Agents Only
Free to request, no commitment required
No Obligation
No cost to you
Free to Use
Your contact information is protected
TCPA-Compliant
Updated May 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.

Mississippi cityscape and street view
$25,000/$50,000/$25,000
Liability Insurance
Mississippi's minimum liability limits are mandatory for all drivers. High-risk drivers should consider higher limits — $50,000/$100,000/$50,000 or more — because one at-fault accident can exceed state minimums, and drivers with violations already face elevated scrutiny from insurers. Mississippi does not allow insurers to cancel a policy mid-term solely for points, but they can non-renew after the policy period ends.
Matches state minimums
SR-22 Insurance
SR-22 is not insurance but a certificate filed by your insurer proving you carry at least the minimum liability coverage. It costs $15–$35 to file in Mississippi and must remain active for 3 years from the violation date. 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.
Not required
Uninsured Motorist Coverage
Mississippi has one of the highest uninsured driver rates in the country, estimated at 20–25%. 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.
Required if financing
Full Coverage
Full coverage combines liability, collision, and comprehensive. Lenders require it if you finance or lease a vehicle. For high-risk drivers in Mississippi, full coverage premiums can reach $300–$500 per month depending on violation type, but shopping non-standard carriers can reduce this by 20–40% compared to standard market rates.
Varies by carrier
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.
State-Mandated Minimum Coverage · Mississippi

Mississippi Minimum Coverage

CoverageMinimum
Bodily Injury (per person)$25,000
Bodily Injury (per accident)$50,000
Property Damage$25,000

License Reinstatement Fee$100

Meeting the state minimum keeps you legal. See whether it's enough — get your Mississippi quote.

Get your Mississippi quote

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
Minimum Liability
$150–$300/mo
State minimum liability coverage for high-risk drivers with one or more violations. Rates vary widely based on violation type, with DUI offenses at the higher end of the range.
Standard Coverage
$200–$350/mo
Liability at $50,000/$100,000/$50,000 with uninsured motorist coverage. Recommended for drivers with financed vehicles or those seeking better protection after a violation.
Full Coverage
$250–$500/mo
Liability, collision, and comprehensive for drivers with newer vehicles or loan requirements. High-risk full coverage premiums can exceed $400/month immediately after a DUI or major suspension, but shopping non-standard carriers reduces costs significantly.

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 Quote
✓ Violation Specialists✓ No Obligation✓ Licensed Carriers✓ All Point Levels

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, Mississippi cityscape and street view

Jackson

urban
Gulfport, Mississippi cityscape and street view

Gulfport

suburban
Wooden dock extending into lake at sunset with people fishing, mountains in background, warm golden light

Southaven

suburban
Hattiesburg, Mississippi cityscape and street view

Hattiesburg

suburban
Sunset over ocean viewed through beach grass with dramatic cloudy sky and golden light on horizon

Biloxi

urban
Tupelo, Mississippi cityscape and street view

Tupelo

urban
Weathered wooden fence with horizontal rails surrounded by overgrown grass and green vegetation

Olive Branch

suburban
Wooden boardwalk trail through green forest with sunlight filtering through tree canopy

Clinton

suburban

Frequently Asked Questions

Get Your Free Quote in Mississippi