- Understanding SR-22 insurance in Mississippi
- How much does SR-22 insurance cost in Mississippi?
- Average SR-22 insurance cost in Mississippi by violation
- Non-owners SR-22 insurance in Mississippi
- How long do you need an SR-22 in Mississippi?
- Reasons for requiring SR-22 insurance in Mississippi
- Tips to lower SR-22 insurance costs in Mississippi
- Methodology
- SR-22 insurance in Mississippi: FAQ
- Compare Mississippi SR-22 rates with other states
Understanding SR-22 insurance in Mississippi
SR-22 insurance isn't a specific type of insurance. Instead, an SR-22 is a form your insurance company files with the state showing you have at least the minimum required car insurance to be on the road in Mississippi. SR-22 insurance refers to auto insurance coverage where an SR-22 has been filed by the company on your behalf.
Most Mississippi drivers don't need SR-22 insurance. Drivers who need an SR-22 form have been convicted of significant violations, such as reckless driving, DUIs and multiple infractions in a short amount of time. You will be informed if you are required to file an SR-22 and for how long.
"Certain things trigger the requirement for an SR-22 filing, such as a DUI, having a lot of points on your license, getting into an accident without insurance, or having your license suspended or revoked. But in every case, the driver is notified by the DMV that they are required to have this form. You would have to check the box that you are required to have an SR 22 filing. The insurance company typically charges a fee to file or maintain that filing, which varies by insurance company," says Dorothy Cato with Skyway Insurance Services LLC in Monroe, North Carolina.
How much does SR-22 insurance cost in Mississippi?
Filing an SR-22 form doesn't cost much, but the fines and increased insurance rates can be expensive. On average, SR-22 insurance in Mississippi costs $2,520 per year, but the actual rate depends on the driver and the specific violation.
Insurance companies charge different rates, so it's smart to shop around and find the cheapest SR-22 insurance available.
Average SR-22 insurance cost in Mississippi by violation
The SR-22 itself isn't the reason your insurance rates will go up. The SR-22 is required because of a violation, and it's that violation that determines the impact on your rates.
For example, an SR-22 may be required for a DUI or driving without insurance. The rate increase will be based on the infraction, not the SR-22 itself.
This table shows the average rates for violations requiring an SR-22. As you can see, rates vary significantly based on violation.
| Violation | Average annual premium | Average monthly premium | 6-month premium |
|---|---|---|---|
| Driving without insurance | $3,018 | $252 | $1,509 |
| DUI/DWI first offense | $4,218 | $352 | $2,109 |
| DUI/DWI second offense | $6,915 | $576 | $3,458 |
| Reckless driving | $3,923 | $327 | $1,962 |
| SR22 Filing Only | $2,520 | $210 | $1,260 |
| SR22 with 1 DUI | $4,289 | $357 | $2,145 |
SR-22 insurance cost by company for a first DUI
Travelers offers the lowest car insurance rate for drivers after a single DUI at $2,700 yearly. Finding affordable SR-22 insurance after a DUI can be challenging, but comparing quotes can help. Some insurance companies view a first DUI as a one-time mistake and may offer lower rates than others.
Take a look at the table below to see how average insurance rates after one DUI vary by company. While insurance rates increase after a DUI, the increase isn't as severe as with multiple infractions.
| Company | Average annual premium | Average monthly premium | 6-month premium |
|---|---|---|---|
| Travelers | $2,700 | $225 | $1,350 |
| Progressive | $3,182 | $265 | $1,591 |
| Shelter Insurance | $3,200 | $267 | $1,600 |
| Allstate | $4,187 | $349 | $2,094 |
| Southern Farm Bureau | $4,809 | $401 | $2,405 |
| Safeway Insurance | $4,816 | $401 | $2,408 |
| Nationwide | $4,934 | $411 | $2,467 |
| GEICO | $8,208 | $684 | $4,104 |
| USAA | $2,753 | $229 | $1,377 |
SR-22 insurance cost by company for reckless driving
The cheapest company for SR-22 insurance after a reckless driving conviction is Shelter Insurance, with an average rate of $2,555 per year. Reckless driving tickets can be given for different reasons, like speeding, running red lights, texting while driving or tailgating. No matter the cause, reckless driving in Mississippi leads to fines, an SR-22 requirement and higher car insurance rates.
Check the table below to compare average insurance rates for reckless driving from different companies.
| Company | Average annual premium | Average monthly premium | 6-month premium |
|---|---|---|---|
| Shelter Insurance | $2,555 | $213 | $1,278 |
| Travelers | $2,700 | $225 | $1,350 |
| Progressive | $3,983 | $332 | $1,992 |
| Allstate | $4,187 | $349 | $2,094 |
| Southern Farm Bureau | $4,809 | $401 | $2,405 |
| Safeway Insurance | $4,816 | $401 | $2,408 |
| Nationwide | $4,934 | $411 | $2,467 |
| GEICO | $5,763 | $480 | $2,882 |
| USAA | $2,406 | $201 | $1,203 |
SR-22 insurance cost by company for driving without insurance
The cheapest company for car insurance after being ticketed for driving without insurance is Travelers at an average yearly rate of $2,371.
In Mississippi, drivers must have at least the minimum required auto insurance. If you don't, you can face fines, higher insurance rates and an SR-22.
Below are the car insurance rates by company for drivers with a lapseWhen your auto insurance coverage ends because you missed a payment or did not renew it on time. A lapse in auto insurance coverage may result in paying higher premiums for a new policy. in coverage.
| Company | Average annual premium | Average monthly premium | 6-month premium |
|---|---|---|---|
| Travelers | $2,371 | $198 | $1,186 |
| Nationwide | $3,008 | $251 | $1,504 |
| Allstate | $3,309 | $276 | $1,655 |
| Progressive | $3,623 | $302 | $1,812 |
| Safeway Insurance | $4,024 | $335 | $2,012 |
| USAA | $1,833 | $153 | $917 |
Non-owners SR-22 insurance in Mississippi
Mississippi may require you to file an SR-22 form even if you don't own a vehicle as a prerequisite for reinstating your license. Drivers who sometimes borrow or rent a car can buy non-owner SR-22 insurance, which provides state minimum auto insurance coverage. A non-owner car insurance policy meets the legal requirements, and an SR-22 can be filed based on that policy.
It's important to note that non-owner car insurance only acts as secondary liability coverage when driving someone else's car. If you buy a car, you will need the proper insurance to drive it in Mississippi.
How long do you need an SR-22 in Mississippi?
In Mississippi, drivers typically need to keep an SR-22 for three years. If you don't keep your insurance active during this period, you'll be breaking the law and could face serious fines and other penalties.
Reasons for requiring SR-22 insurance in Mississippi
"Most Mississippi drivers don't need to file an SR-22. However, drivers who exhibit careless behaviors may be required to file an SR-22, which is typically required when the driver has to prove that they have the minimum liability insuranceLiability insurance covers sums that an insured becomes legally obligated to pay because of bodily injuries or property damage, or financial losses caused to other people. required by the state," says Cato.
You may need an SR-22 in Mississippi for reasons such as:
- Getting a DUI
- Reckless driving
- Receiving several traffic violations in a short period
- Failing to keep auto insurance
- Refusing to take a breathalyzer test
- Causing an at-fault accident that results in serious injuries or death
Tips to lower SR-22 insurance costs in Mississippi
Although your insurance rates will go up if you need an SR-22, you can still find affordable coverage by shopping around.
You can lower your auto insurance costs with an SR-22 by:
- Using all available discounts. Most insurance companies let you bundle discounts to help you save more.
- Raising your deductible. Increase the amount you pay before insurance kicks in to lower rates.
- Taking a defensive driving course. Some insurers offer a discount for completing the course, and some states remove points from your license, which can help lower your insurance rates.
- Signing up for a usage-based program. If you show good driving habits while being monitored, you could earn a discount.
- Shopping around for SR-22 insurance. Compare quotes from several companies to find the cheapest SR-22 insurance in Mississippi.
Methodology
170+ insurance companies analyzed 34,000+ ZIP codes examined 53M+ insurance quotes analyzed
National and state average rates are based on three coverage levels: state minimum, 50/100/50 liability-only, and full coverage with 100/300/100 liability and $500 deductibles.
All base rate averages are based on our full coverage data set. This data set is based on:
- Bodily injury liability of $100,000 per person and $300,000 per incident
- Property damage liability of $100,000 per incident
- Comprehensive and collision deductibles of $500
- 40-year-old driver
- Honda Accord LX
- Good credit
- A clean driving record
- 12-mile commute, 10,000 annual mileage
Our data is then adjusted to reflect the rate increase from this base rate for the following infractions requiring an SR-22
- One DUI
- Two DUIs
- Reckless driving
- Driving without insurance
SR-22 insurance in Mississippi: FAQ
What happens if I fail to maintain SR-22 insurance in Mississippi?
The consequences may be severe if you don't retain insurance and fail to maintain your SR-22 filing. Possible consequences include:
- Revoked driver's license
- Fines
- Increased auto insurance
- Restarting your SR-22 time period
- Having your car impounded
- Jail time
Can I switch insurance providers while I have an SR-22 filing?
Yes, you can switch auto insurance companies if you have an SR-22. Yours new insurer must refile the SR-22 for you. Also, make sure your new policy is active with the SR-22 before canceling your old one.
Compare Mississippi SR-22 rates with other states
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