Mississippi SR-22 and car insurance quotes
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How SR-22 works in Mississippi
An SR-22 isn't a type of insurance. It's a certificate of insurance your insurance company files with the Mississippi Department of Public Safety (MDPS) to prove you carry at least the state minimum coverage. Mississippi usually requires one after a DUI or another license suspension under the state's Implied Consent Law, or after an at-fault crash that hurt someone or damaged property when you had no liability insurance. You typically keep it for 3 years. After a DUI the 3 years run from the date the certificate is issued, and after an uninsured crash they run from the date of the crash.
- Your insurance company or agent files the SR-22 with MDPS for you
- Keep the policy active the whole time. If it ends, your insurer has to notify MDPS and your license can be suspended until a new SR-22 is on file
- A licensed agent can quote it today and explain your options
Mississippi minimum car insurance
Mississippi requires at least $25,000 for injuries per person, $50,000 per accident and $25,000 for property damage, often written as 25/50/25. Your SR-22 policy has to meet at least these limits.
No car? Non-owner SR-22 in Mississippi
If you don't own a car, Mississippi law allows an operator's (non-owner) policy, which covers your liability when you drive a car you don't own. Ask the agent whether it fits your situation.
Learn about non-owner car insurance →SR-22 and car insurance across Mississippi
We help drivers anywhere in Mississippi. These cities have their own page with local details, but you don't need one: call or start a quote from wherever you live.
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Mississippi SR-22 questions
Who needs an SR-22 in Mississippi?
MDPS usually requires one after a DUI or another license suspension under Mississippi's Implied Consent Law, including a first DUI conviction. It's also required after an at-fault crash that hurt someone or damaged property when you had no liability insurance. If you aren't sure, ask the MDPS Driver Service Bureau or a licensed agent.
How long do I need an SR-22 in Mississippi?
Typically 3 years. After a DUI the 3 years run from the date the certificate is issued, and after an uninsured crash they run from the date of the crash. If you aren't sure of your dates, ask the MDPS Driver Service Bureau.
What happens if my SR-22 lapses in Mississippi?
Your insurer has to notify MDPS at least 10 days before the certified policy is cancelled, and MDPS can suspend your license until a new SR-22 is on file. Line up a new SR-22 before you switch companies.
Can I get an SR-22 in Mississippi without a car?
Yes. Mississippi law allows an operator's (non-owner) policy for drivers who don't own a vehicle. A licensed agent can quote one.
Sources: MDPS Driver's Manual: proof of insurance and minimum limits · MDPS Driver Service Bureau: DUI suspensions and proof of insurance
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