Mississippi SR-22 Insurance After DUI or Suspension
Mississippi requires 25/50/25 liability coverage and is an at-fault state.
Compare Rates After a ViolationMississippi 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
The Mississippi Department of Public Safety can mandate SR-22 certification following DUI convictions, multiple at-fault accidents, driving without insurance, or license suspensions. SR-22 is not insurance itself but a certificate your insurer files with the state proving you carry at least minimum coverage. Mississippi's relatively low minimums leave high-risk drivers exposed to significant out-of-pocket costs if sued after an at-fault accident.
Bodily Injury Liability
Property Damage Liability
SR-22 Certificate Filing
Full Coverage for Financed Vehicles
Uninsured Motorist Coverage
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
- Credit tier: Mississippi allows credit-based insurance scoring—poor credit combined with SR-22 can double premiums compared to good credit with the same violation
Shop Again Before Your Next Renewal Hits
Compare Rates After a ViolationCoverage Types
SR-22 Insurance
Certificate filed by your insurer proving continuous liability coverage to the Mississippi Department of Public Safety. Required for 3 years following DUI, suspension, or uninsured accidents.
Non-Standard Auto Insurance
Coverage from carriers specializing in high-risk drivers—those with DUI, suspensions, lapses, or SR-22 requirements. These insurers price risk differently and often quote lower than standard market carriers.
Liability Insurance
Covers bodily injury and property damage you cause to others in an at-fault accident. Mississippi requires 25/50/25 minimums, but these limits leave you exposed if you cause serious injury or total an expensive vehicle.
Full Coverage
Liability plus comprehensive and collision coverage for your own vehicle. Required by lenders if you're financing, and necessary to protect your asset if you caused your SR-22 requirement through an at-fault accident.
Uninsured Motorist Coverage
Pays your medical bills and vehicle damage when hit by a driver with no insurance. Mississippi doesn't require it, but approximately 20% of state drivers are uninsured.
Reinstatement After SR-22
Once you complete your 3-year SR-22 period without lapse, you can shop standard market carriers again. Rates typically drop 50–60% immediately, with further decreases as the violation ages past 5 years.