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
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Coverage Options
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Frequently Asked Questions
Sources
- Mississippi Department of Public Safety - Driver Services
- Mississippi Department of Insurance - Consumer Resources
- Mississippi Code Title 63 - Motor Vehicles and Traffic Regulation