SR-22 in Mississippi: What You Need to Know

Mississippi will require an SR-22 for at least three years after a driver is convicted of a serious offense, such as driving under the influence.
Written by Tom Hindle
Edited by Amy Bobinger
Reviewed by Jessica Barrett
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 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.

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.
"These guys are pretty awesome. I hate searching for car insurance cause it’s time-consuming looking for the cheapest one.
did all of that for me in a few minutes. Tell them what coverage you’re looking for and they present you with multiple options to choose from. They do all the work so you don’t have to. What else could you ask for?" —Alison T.
Compare auto insurance policies
No spam or unwanted phone calls · No long forms
Find insurance savings
Are you overpaying for car insurance?
Compare quotes and find out in 45 seconds.
Try Jerry

Easiest way to compare and buy car insurance

No long forms
No spam or unwanted phone calls
Quotes from top insurance companies
Find insurance savings