In Mississippi, an SR-22 certificate is required to guarantee you meet the minimum insurance requirements of the state after you have committed a significant moving violation.
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.
What is an SR-22 in Mississippi?
In Mississippi, an SR-22 is a form that is submitted to the state government that confirms you have the necessary minimum coverage required to keep driving. It’s usually needed after you’ve had your
license suspended or revoked.
With good driving behavior, you’ll need to maintain an SR-22 for three years.
An SR-22 filing usually becomes necessary after a significant driving issue, such as:
Driving while intoxicated
Driving under the influence
Any accident that causes significant property or medical damage
These are just the minimum requirements — more coverage is recommended to protect you in case of an expensive accident.
Key Takeaway You’ll need to maintain an SR-22 for three years after having your license revoked or suspended in Mississippi.
Who needs an SR-22 in Mississippi?
A driver who has had their license revoked or suspended typically needs an SR-22 in Mississippi. An SR-22 is usually required after a
DUI conviction, but this can vary on a case-by-case basis.
You’ll usually 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.
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How do you get an SR-22 in Mississippi?
Before you can request to file, though, you need to 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.
There’s typically quite a bit of paperwork involved, and you’ll likely have to pay a small 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 company might deem you too much of a financial risk. 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 much does an SR-22 cost in Mississippi?
It typically costs somewhere around $25 to file an SR-22.
Unfortunately, an SR-22 certificate will significantly impact your insurance rates. After a serious violation, you can also expect to lose any good drivers discounts you may have picked up.
You should also factor in that an SR-22 is the result of a conviction, so you’ll likely have fines and court fees to pay.
The bottom line is that filing an SR-22 is an expensive process. Your best bet is to consider all of your options, pay any fines, and then use the Jerry app to shop around for an affordable car insurance plan.
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 your previous insurance package.
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.
How to find cheap car insurance
An SR-22 doesn't look good for your bank account or driving record. But they’re not the end of the world. That’s right, you can still find a good car insurance package at a price that suits you. To find the best deal, try
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