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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

Minimum Coverage Requirements in Mississippi

Drivers convicted of DUI, cited for driving without insurance, or involved in at-fault accidents without coverage typically face SR-22 filing requirements imposed by the Mississippi Department of Public Safety. These minimums may be insufficient for high-risk drivers seeking rate stability, as many non-standard carriers require higher limits to write a policy.

Liability Insurance

Many SR-22 carriers in Mississippi offer or require 50/100/50 limits to qualify for coverage, which also provides better protection against civil judgments. Driving uninsured in Mississippi results in license suspension and SR-22 requirements upon reinstatement.

SR-22 Insurance

SR-22 is not a separate insurance policy—it's a certificate filed by your insurer with the Mississippi Department of Public Safety proving you carry at least minimum liability coverage. High-risk drivers must maintain continuous SR-22 filing for the full required period, typically 3 years, or face license suspension and requirement restart. Not all carriers offer SR-22 filing in Mississippi, so drivers often need non-standard or high-risk insurers to fulfill this requirement.

Non-Standard Auto Insurance

Non-standard carriers specialize in high-risk profiles including DUI convictions, multiple violations, lapses, and SR-22 requirements that standard insurers decline. Approval is faster than standard market reinstatement, and many non-standard carriers file SR-22 certificates directly with the state at policy inception.

Full Coverage

Full coverage combines liability, collision, and comprehensive insurance to protect both other drivers and your own vehicle. Bundling SR-22 filing with full coverage through a non-standard carrier is often the most cost-effective route for drivers with loan obligations.

Uninsured Motorist Coverage

High-risk drivers involved in accidents with uninsured drivers face out-of-pocket medical and repair costs without UM/UIM coverage.

What Drivers Pay in Mississippi

$252–$256/mo

Typical monthly rate in Mississippi, drivers after a speeding ticket

Rate data: ValuePenguin and CarInsurance.com, 2026

What Affects Your Rate

  • SR-22 filing duration: 3-year requirement means sustained high premiums unless you shop annually for better rates
  • County and ZIP code: Jackson, Gulfport, and Biloxi show higher non-standard rates due to accident frequency and uninsured driver density
  • Carrier availability: fewer non-standard carriers operate in rural Mississippi counties, limiting competition and raising rates
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See Who Will Insure You After a Ticket

Find Coverage After a Traffic Violation

Coverage Types

SR-22 Insurance

Certificate filed by your insurer proving you carry Mississippi's minimum liability coverage. Required after DUI, uninsured driving, or serious violations.

Non-Standard Auto Insurance

Policies designed for high-risk drivers declined by standard insurers. Covers DUI, multiple violations, lapses, and SR-22 requirements.

Liability Insurance

Covers injury and property damage you cause to others. Mississippi requires 25/50/25 minimums, but higher limits reduce financial exposure.

Full Coverage

Bundles liability, collision, and comprehensive to protect both other drivers and your own vehicle. Required for financed or leased cars.

Uninsured Motorist Coverage

Pays your medical bills and vehicle damage if you're hit by a driver without insurance. Not required in Mississippi but highly recommended.

Collision Coverage

Pays to repair or replace your vehicle after an at-fault accident, regardless of who caused it. Required by lenders if you finance.

Find Your City in Mississippi

Jackson

urban

Gulfport

suburban

Southaven

suburban

Hattiesburg

suburban

Biloxi

urban

Tupelo

urban

Olive Branch

suburban

Clinton

suburban