Best Mississippi SR-22 Insurance in 2024
When would a driver need to file for an SR-22 in Mississippi?
If your license has been suspended in Mississippi, you may be required to get SR-22 coverage in order to get your license back. An SR-22 requirement is typically put in place by the state or court after you’ve committed a certain violation. It’s also known as a form of future financial responsibility. It is different from standard car insurance. An SR-22 form is proof of insurance, letting the state of Mississippi know that you have at least the minimum required liability insurance.
If you need to file an SR-22 form in Mississippi, you may have heard the term SR-22 insurance. While it isn't any different than your standard auto policy, it’s commonly called SR-22 insurance because it affects your coverage and rates. Needing to file an SR-22 form may cause your car rates to increase significantly. On average, SR-22 rates in Mississippi after a DUI are 77 percent higher than car insurance for drivers with clean records.
Should you find yourself with a less than clean driving record, you’ll be required to file the form for a specified length of time in Mississippi, which is typically three years. Your required filing period may vary based on your violation and circumstances. Throughout your filing period, you must maintain your policy. If your policy is canceled and you have a lapse in your coverage while you have an active SR-22 form, your license may be suspended and you may need to restart the SR-22 filing period.
If you keep a clean driving record, fulfill all your requirements from your violation and maintain your SR-22 status, you may see your rates decrease once your filing period is completed.
Should you need to compare prices, we have a free, online tool that can help you take a look at various companies.
Are there limits on SR-22 specific coverage?
All drivers must have some form of auto insurance coverage in Mississippi. If you end up needing an SR-22, you need to have at least the minimum amount of liability coverage before you can get your license back. In order to drive in Mississippi, you must have at least the following liability car insurance coverage:
- $25,000 for bodily injury per person
- $50,000 for bodily injury per accident
- $25,000 for property damage per accident
Failure to purchase SR22 insurance when required to can result in penalties, including license and vehicle registration suspensions.
Who needs an SR22 in Mississippi?
SR22 insurance may be required of Mississippi drivers if they’ve committed certain driving violations. It can even be required after a number of small incidences in a short span of time. Drivers may need SR-22 insurance for the following reasons:
- Conviction for driving under the influence (DUI or DWI)
- Driving without car insurance
- Driving with a revoked or suspended license
- Having repeated traffic violations in a certain amount of time, including speeding tickets
- Numerous at-fault accidents
- A fatal at-fault accident or one that results in injuries
- Reckless or dangerous driving
- Assignment from a court order
- Failure to pay fines from tickets
- Refused consent to breathalyzer or blood alcohol test
What are the average rates?
There are various individual factors that will go into what someone pays for their coverage. Drivers who need to file for an SR-22 may need to pay higher car insurance rates because they’re considered a high-risk or non-standard driver. Your car insurance rates will most likely increase if you need SR-22 insurance. In addition to your driving record, there are many other things that contribute to your SR22 car insurance rates including your age, gender, location, credit score, vehicle type, marital status and so on.
A DUI is one of the most common reasons drivers are required to file for an SR-22. On average, drivers in Mississippi with one DUI pay $2,010 per year for their auto policy, which is 77 percent higher than drivers with a clean record. In the table below, you can view average insurance rates for drivers in Mississippi who’ve been convicted of a DUI.
| Company | Car insurance rate |
|---|---|
| Progressive | $1,492 |
| Mississippi Farm Bureau | $1,580 |
| USAA* | $1,628 |
| Safeco | $1,632 |
| State Farm | $1,763 |
| Geico | $2,179 |
| Allstate | $2,230 |
| Nationwide | $3,444 |
*USAA is only available to active and former military members and their families.
These rates are based on a 35-year-old single adult with one driver and one vehicle on a policy. The car used was a 2015 Toyota Highlander LEs. Full coverage was used with 100/300/50 limits and a $500 collision and comprehensive deductible. The driver had 1 DUI on their record. The rates displayed should only be used for comparative purposes as individual rates for high-risk insurance in Mississippi will differ. Rate data is provided by Quadrant Information Services.
How do you file for an SR-22 in Mississippi?
If you’re required to have SR-22 insurance in Mississippi, you’re considered a high-risk or non-standard driver. It may be more difficult to find affordable car insurance should you need an SR-22 attached, because a lot of companies don't necessarily want to insure high-risk drivers. In order to discover the cheapest auto insurance rates, you may want to shop around for the best price by getting quotes from multiple insurance companies. At least that way, you'll be able to find a more affordable option.
Use the table at the top of this page to find all the car insurance companies that offer SR-22 insurance in Mississippi with a minimum of 25 reviews. If you want to see what companies are out there offering the best and most affordable insurance in Mississippi via what customers are saying, sort the table by highest rated. You can sort through companies and find the ones you want to get quotes from. To get quotes, click on the orange, "click for quote" button next to the company, call the number available, or visit the company's website.
If you want to read customer reviews of the company, click the company name in the table and you will be directed to the company’s profile page containing information about the company and reviews.
Are there any fees associated with the SR-22 form?
Drivers who need to file an SR22 form typically need to pay a fee to their insurance company to file it ranging from about $25 to $50. If your license was suspended, you’ll also need to pay a reinstatement fee in order to get your driving privileges back. Mississippi reinstatement fees vary based on the reason your license was suspended.
If you committed a DUI, the reinstatement fee is $175. There are also many other fees and fines you’ll need to pay after a DUI. Additionally, if you were caught driving without car insurance, you’ll face a number of penalties including a $500 fine for your first offense.
How are car insurance rates calculated?
When searching and comparing car insurance quotes, it can be frustrating trying to understand how your insurance rates are calculated. The cost can come out of seemingly nowhere. While there is no exact formula that each car insurance company uses when providing you a quote, there are many factors that do contribute to the price you pay. Among the factors that car insurers consider are:
- Your driving record
- How much you drive
- Location
- Age
- Marital status
- Gender
- Your car’s make, model and year
- Your credit history (in some states)
- Amount of coverage (required coverage and optional add-ons, such as collision and comprehensive)
One of the biggest misunderstanding when it comes to insurance rates is that the history of drivers in your area also contributes to how much you pay. For instance, even if you go two years without an accident, if there were a lot of accidents near you recently, your rates might still go up. Why is that the case?
Insurance companies disperse risk across all policyholders so that when it comes time to pay a claim, they have enough money to pay out. But imagine a scenario where they only raised rates for drivers with an accident. For drivers who had an expensive claim, the drivers simply wouldn't be able to afford the raised rates that are based off how much their insurer had to pay after an accident. So instead, insurance companies slightly increase rates across the board to offset the costs, though of course the at-fault driver may see a larger increase.
What sort of policy do I need?
You certainly don’t want to be underinsured or uninsured while staring at a claim after a car accident or other damage to your car. But at the same time, there’s no sense in paying for more coverage than you need, right? So it begs the question: How much car insurance coverage do you actually need?
The answer, as frustrating as it may be, is it depends. For example, someone insuring a brand-new, leased car is likely required to purchase collision and comprehensive coverage, but for someone driving an older car that doesn’t have much value, it may not make sense to purchase optional coverage. Plus, states have different car insurance requirements. There are 12 no-fault states that require its drivers to purchase personal injury protection (PIP).
So when it comes to determining what specific coverage and limits you should purchase, it’s important to do your research. Talk with an insurance agent or your insurance company to determine what makes the most sense for your situation.
How can you save money on your car insurance?
At the end of the day, we’d all like to have the best coverage at a cheap, affordable price. While you never want to sacrifice quality to save a couple of dollars, there are some different ways you can lower your average cost.
Here are six ways you may be able to lower your rates:
- Bundle your policies
- Consider raising your deductibles
- Pay your car policy in full
- Try usage-based car insurance
- Monitor price changes to your policy
- Shop around for better rates
It may seem strange to say it, but practice safe driving techniques as well. Avoiding the need for an SR-22 form to be filled out and added to your policy can save you a lot of trouble and money. Try not to sacrifice any of your coverage limits either. While it may seem like having high limits is a waste, put that cost up against someone's medical expenses from an accident. There's a reason why most companies are going to suggest higher limits on things like bodily injury liability coverage. The minimum coverage may not protect you against having to pay for an accident out of pocket.
If you're striving towards removing the SR-22 from your record, you'll be able to talk about safe driving discounts once it's gone. By working on getting your record cleaned up and utilizing safe driving habits such as taking a defensive driving course, you'll be able to reduce the cost of your policy.
How does Clearsurance rank companies?
Wondering how Clearsurance determines scores for insurance companies? Our algorithm analyzes a range of inputs from our community of unbiased customers, including:
- Cost
- Customer service
- Overall Experience
- Claim service
- Purchasing experience
- Likelihood to recommend
Is there a guide with more information available?
Whether you’re buying your insurance direct or going through an agent, understanding the different options that you're going to be offered is a must. Do you know what is covered by comprehensive coverage? Are you familiar with uninsured motorist coverage? Do you know how a deductible works?
We want to make sure you’re equipped with a proper knowledge of car insurance, so check out our practical guide to understanding car insurance. Looking for more educational information? Check out our blog for more information and topics related to finding auto coverage.
Try to keep in mind that the lowest rates aren't going to afford you with the best coverage policy. And don't forget about our comparison tool, which will help you to compare quotes from various companies.