Cheapest SR-22 Car Insurance in Mississippi

State Farm offers the cheapest SR-22 insurance in Mississippi at $30 monthly for minimum coverage, 61% less than the state average of $76. It's also the most affordable for full coverage at $85.

State Farm offers Mississippi's cheapest non-owner SR-22 insurance at $40 monthly or $483 annually. Non-owner insurance helps meet state minimum coverage if you don't own a vehicle.

The table below shows providers and their average minimum coverage costs.

Mississippi's average cost of car insurance for drivers with an SR-22 is $909 annually for minimum coverage, 90% more than the $479 average for drivers with clean records.

SR-22 drivers face an average annual cost of $2,144 for full coverage, while clean-record drivers pay around $1,152. This is an 86% increase for those with an SR-22.

Having an SR-22 form doesn't raise your insurance rate by itself. The type of violation determines the cost. The table below compares SR-22 insurance prices for common violations across age groups in Mississippi.

Mississippi drivers must file an SR-22 to reinstate their license after certain violations. An SR-22 is a form proving you have the required minimum coverage. Insurers often see these drivers as high-risk, resulting in higher premiums.

An SR-22, or SR-22 bond, is a certificate of financial responsibility, not an insurance policy. Instead, it's a document your insurer files to prove you have enough coverage. This ensures you meet the requirements of Mississippi's Financial Responsibility law.

Mississippi requires drivers to have an SR-22 for up to three years after serious traffic violations. This form proves you meet the state’s minimum coverage requirements. To comply with SR-22 laws, you must have these liability limits:

• $25,000 personal injury liability per person
• $50,000 personal injury liability per accident
• $25,000 property damage liability per accident

In Mississippi, SR-22 certificates are usually required for up to three years after a serious driving violation. Repeat offenders might see these requirements extend to five or even 10 years.

Along with using an SR-22 for three years to comply with Mississippi's minimum coverage laws, SR-22 drivers need to follow these other rules:

• Fees: You must pay a fee to regain driving privileges and prove liability insurance with an SR-22 form.
• Policy cancellation: Filing for an SR-22 may lead your insurer to cancel or not renew your policy, requiring you to find a new provider.
• Continuous coverage: During the three-year SR-22 period, you must maintain uninterrupted coverage. Lapses will prompt your insurer to notify the state, possibly resulting in penalties or license suspension.
• Relocation: If you move out of Mississippi during the SR-22 period, coordinate with your insurer for an out-of-state filing.
• Completion: After three years, your insurer should file a financial responsibility cancellation, confirming you’ve fulfilled the SR-22 requirement.

To reinstate your license after a serious violation, keep your SR-22 coverage active throughout the required period. If you don't have insurance, you'll need an SR-22 quote. Finding SR-22 insurance can be more challenging than for drivers with clean records, as insurers may cancel your policy or deny coverage once you file.

High-risk drivers in Mississippi may find fewer companies offering coverage, often leading to higher premiums and limited choices. When getting an SR-22 insurance quote, check with your insurer for the exact fee if you're filing for the first time. Use these tips to find cheaper SR-22 insurance:

Non-owner insurance covers those who drive frequently but don't own a vehicle, ensuring financial protection when driving someone else's car. It's perfect for renters or rideshare drivers, covering third-party injuries or property damage in an at-fault accident.

This policy is also more affordable than standard insurance. Compare quotes from different insurers to find the best rates. Once you purchase a non-owner policy, your insurer can file an SR-22 form to help you comply with state laws, enabling your license to be reinstated after up to three years.

Mississippi drivers with major offenses must file an SR-22 to show they have minimum coverage. This form must be kept for up to three years for serious or repeated offenses. While SR-22 insurance is more expensive, budget-friendly rates are available from cheap car insurance providers in Mississippi.

Below are frequently asked questions about SR-22 certifications in Mississippi:

MoneyGeek analyzed 127,836 quotes from nine companies across 258 ZIP codes to determine the average cost of car insurance premiums for drivers of various profiles and needs in Mississippi.

Mississippi Driver Profile

We collected data for a sample driver with the following attributes:

• 40-year-old male
• Driving record with a DUI or an at-fault accident causing $1,000 to $1,999 in property damage
• 2012 Toyota Camry LE
• 12,000 miles driven annually

Coverage Levels and Deductibles

We gathered quotes for minimum coverage policies to help drivers find the cheapest SR-22 insurance for their coverage needs. Quotes were based on Mississippi's minimum coverage requirements, with the following limits:

• $25,000 for bodily injury liability per person
• $50,000 for bodily injury liability per accident
• $25,000 for property damage liability per accident

For the most affordable policy with comprehensive and collision coverage — also referred to as a full coverage policy — we used the following limits with a $1,000 deductible:

• $100,000 bodily injury liability per person
• $300,000 bodily injury liability per accident
• $100,000 property damage liability per accident

Learn more about MoneyGeek's car insurance methodology.