requires an SR-22 certificate to guarantee you meet the state’s minimum insurance requirements after you have committed a significant moving violation.

You’ll need an
SR-22 form
to get your
Mississippi driver’s license
reinstated after it’s been suspended or revoked.
An SR-22 isn’t actually a type of auto insurance—it’s a form you file with the Mississippi DMV proving that you meet the state minimum insurance requirements.
You may need an SR-22 after being charged with DWI/DUI, reckless driving, hit-and-run, or any at-fault accident that causes more than $500 in damage.

What is an SR-22 in Mississippi?

In Mississippi, an SR-22 form is submitted to the state government to confirm you have the necessary minimum auto insurance coverage required to keep driving. It’s usually required after you’ve had a

license suspension

or revocation—you’ll need it before you can regain your driving privileges.

Common misconception: Although you might hear the phrase "SR-22 insurance," an SR-22 is not an insurance policy. Rather, it’s proof of insurance and financial responsibility.

An SR-22 filing usually becomes necessary after a significant driving issue, such as:

Driving while intoxicated

Driving under the influence

Reckless driving

A hit-and-run accident

Any accident that causes significant property or medical damage (more than $500)

These are

Mississippi's minimum liability coverage requirements:

$25,000

bodily injury liability

coverage per person

$50,000 bodily injury liability insurance per accident

$25,000

property damage liability

insurance per accident

These are just the minimum requirements, which you may see written as 25/50/25. More coverage is recommended to protect you after an expensive accident—ideally, at least 100/300/100.

How long will you need it? With good driving behavior, you’ll need to maintain an SR-22 in Mississippi for three years.

How much does SR-22 insurance cost in Mississippi?

It typically costs somewhere around $25 to file an SR-22.

Expect more costs: Unfortunately, the traffic violation leading to your suspended license will significantly impact your auto insurance rates. You’ll be seen as a high-risk driver, so you will lose any good driver discounts you previously enjoyed from your car insurance company.

You should also factor in that an SR-22 results from a conviction, so you’ll likely have fines and court fees to pay.

The bottom line: Filing an SR-22 is an expensive process. Your best bet is to consider all of your options, pay any fines, and shop around for an affordable auto insurance policy.

Who needs Mississippi SR-22 insurance?

A Mississippi driver with a revoked or suspended license will typically need an SR-22 before it can be reinstated. An SR-22 is usually required after a

DUI conviction

, but this can vary on a case-by-case basis.

You’ll receive a court or DMV order to file an SR-22, typically within a few days after your conviction. Remember that an SR-22 can be issued alongside a fine or other punishment.

How do you get an SR-22 in Mississippi?

If you need an SR-22 in Mississippi, here’s what you’ll need to do:

Pay your license reinstatement fee and finish up any legal processes outstanding from your conviction. For example, you might have to show proof of completing a DWI-awareness program.

Inform your insurance company of your license status and then ask them to

file an SR-22 form for you

Pay the required filing fee.

It’s possible that your insurer simply won’t cover your SR-22. If you’re a repeat offender or have a bad driving record, the insurance company might deem you too much of a financial risk to insure. They also might set your premiums sky-high.

Key Takeaway Your insurance provider will file an SR-22 for you in Mississippi, but you might have to shop around for an affordable policy.

MORE:

What is a clean driving record?

How does an SR-22 impact your insurance in Mississippi?

You can expect to see your insurance premiums increase. On average, premiums rise by around $45, but your rates ultimately depend on the severity of the incident and the details of your insurance coverage.

Also, note that some companies might not be verified to hand out an SR-22 at all—so you’ll be shopping around with a smaller pool of providers, which will likely lead to higher prices.

There is some good news, though! If you maintain a clean driving record for more than three years, your SR-22 will be removed and you might see your premiums fall.

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