Mississippi SR-22 Insurance After Your Filing Ends
Mississippi requires 25/50/25 liability coverage and is an at-fault state.
Compare Rates After SR-22Mississippi 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
$100
State license reinstatement fee
Source: state DMV, insurance department and statute records, verified July 2026
Minimum Coverage Requirements in Mississippi
Drivers with DUI convictions, major violations, or uninsured accidents typically must file SR-22 with the Mississippi Department of Public Safety for 3 years to reinstate driving privileges. Once the SR-22 requirement ends, rates begin dropping—but the underlying violation continues affecting your premium for 3-5 years depending on severity.
Liability Insurance
Full Coverage
Uninsured Motorist Coverage
Comprehensive Coverage
SR-22 Insurance
What Drivers Pay in Mississippi
$228–$404/mo
Typical monthly rate in Mississippi, high-risk drivers after a DUI
Rate data: ValuePenguin and Insurify, 2026
What Affects Your Rate
- Original violation type—DUI carries longest recovery timeline (36–60 months), while suspension-related SR-22s recover faster (24–36 months)
- Continuous coverage history post-SR22—any lapse resets your rate recovery timeline and triggers non-standard pricing
- Carrier specialization—non-standard carriers that wrote your SR-22 policy rarely offer post-SR22 discounts; standard carriers price post-SR22 drivers more competitively after 12+ months clean
Shop Again Now That Your Filing Has Ended
Compare Rates After SR-22If your license is suspended
Ignition interlock-restricted license (DUI, court-ordered, Miss. Code §63-11-31). A separate DPS Hardship Drivers License is a teen (15-17) school-need permit unrelated to suspensions.
A restricted license is available while suspended.
A coverage lapse is reported
The state can act when your insurance lapses.
Source: state DMV, insurance department and statute records, verified July 2026
Coverage Types
Liability Insurance
Covers injuries and property damage you cause to others. Mississippi's 25/50/25 minimums are legally sufficient but financially inadequate—most at-fault accidents exceed these limits.
Full Coverage
Combines liability, comprehensive, and collision protection for financed or leased vehicles. Required by lenders and recommended for any vehicle worth more than $5,000.
Comprehensive Coverage
Covers non-collision damage—theft, hail, flooding, deer strikes, and vandalism. Common claim triggers in Mississippi include Gulf Coast hurricane damage and rural deer collisions.
Uninsured Motorist Coverage
Protects you if an uninsured driver causes an accident. Covers medical bills and vehicle damage your liability policy won't pay.
Collision Coverage
Covers damage to your vehicle in an at-fault accident or single-vehicle collision. Required by lenders and recommended for vehicles worth more than $3,000.
Non-Standard Auto Insurance
Specialized coverage for drivers with violations, lapses, or SR-22 requirements. Non-standard carriers accept high-risk profiles but charge elevated premiums during the SR-22 period.