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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 with DUI convictions, multiple at-fault accidents, driving without insurance, or license suspensions typically must file SR-22 proof of financial responsibility with the Mississippi Department of Public Safety. The SR-22 filing period generally lasts 3 years from the date of reinstatement, and any lapse in coverage during this period restarts the clock. Non-standard carriers dominate the high-risk market in Mississippi, often requiring full premium payment upfront or restricting payment plans.

Liability Insurance

Mississippi law mandates 25/50/25 liability minimums, but these limits leave high-risk drivers exposed in serious accidents. Many non-standard carriers in Mississippi require 50/100/50 or higher limits as a condition of writing SR-22 policies, particularly for DUI offenders.

SR-22 Insurance

SR-22 is not a separate insurance policy but a certificate filed by your carrier proving you maintain continuous coverage. Mississippi drivers typically need SR-22 for DUI convictions, license suspensions for points or non-payment of child support, and at-fault accidents while uninsured.

Non-Standard Auto Insurance

Non-standard carriers specialize in high-risk profiles that standard insurers decline. Availability varies significantly between urban areas like Jackson and rural counties where carrier competition is limited.

Uninsured Motorist Coverage

Mississippi does not require uninsured motorist coverage, but insurers must offer it at the same limits as your liability policy unless you reject it in writing. High-risk drivers paying elevated premiums should weigh the added cost against the likelihood of being hit by an uninsured driver in their area.

Full Coverage

Full coverage combines liability, comprehensive, and collision protection. For high-risk drivers with financed or leased vehicles, lenders require collision and comprehensive regardless of driving record.

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

  • Violation type: DUI surcharges are higher and last longer than at-fault accident surcharges in Mississippi
  • Years since violation: most carriers reduce surcharges after 3 years if no new incidents occur
  • Credit history: Mississippi allows credit-based insurance scoring, which compounds rate increases for high-risk drivers with poor credit
  • Vehicle type: comprehensive and collision premiums increase for high-value or theft-prone vehicles, even with a clean record
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Coverage Types

Liability Insurance

Pays for injuries and property damage you cause to others. Mississippi's 25/50/25 minimums are the foundation of SR-22 compliance, but serious accidents routinely exceed these limits.

SR-22 Filing

Certificate proving continuous liability coverage filed with the Mississippi Department of Public Safety. Required for license reinstatement after DUI, suspensions, or uninsured accidents.

Non-Standard Auto Insurance

Coverage from carriers specializing in high-risk drivers who cannot obtain policies from standard insurers. Expect higher down payments, limited discounts, and fewer optional coverages.

Uninsured Motorist Coverage

Protects you if you're hit by a driver with no insurance. Not required in Mississippi, but insurers must offer it at your liability limits unless you decline in writing.

Comprehensive Coverage

Covers vehicle damage from weather, theft, vandalism, and animal strikes. Required by lenders for financed vehicles and highly relevant in Mississippi due to severe weather frequency.

Collision Coverage

Pays for damage to your vehicle in an accident regardless of fault. Required by lenders and essential for drivers with newer or financed vehicles.

Find Your City in Mississippi

Jackson

urban

Gulfport

suburban

Southaven

suburban

Hattiesburg

suburban

Biloxi

urban

Tupelo

urban

Olive Branch

suburban

Clinton

suburban