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SR-22 in Mississippi

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When a motorist is involved in a traffic violation and has their license revoked, there may be some work involved to have their driving privileges restored. A crucial document that is often required to reinstate a suspended license is called an SR-22. In the state of Mississippi, this is a certificate of financial responsibility that proves you have at least the necessary insurance coverage mandated by law in your state. An SR-22 can only be filed by an auto insurance company. While most states use SR-22 forms, there are some alternative forms you may want to know about.

What is “SR-22 insurance?”

If you are wondering how to purchase SR-22 insurance, you should first know that an SR-22 is not a type of car insurance policy. An SR-22 is simply a document provided to the Department of Motor Vehicles (DMV) by your insurance company. The form shows the state that you are carrying at least the state minimum required coverage. SR-22s are commonly needed after major traffic violations, like DUIs, or for drivers with numerous traffic incidents on their driving records.

In Mississippi, the minimum required insurance coverage is:

  • $25,000 bodily injury liability per person
  • $50,000 bodily injury liability per accident
  • $25,000 property damage liability per accident

Getting an SR-22 form is as simple as calling up your insurance provider and requesting one. However, even some of the best Mississippi car insurance companies won’t insure high-risk drivers. If your current insurance company does not offer SR-22 filings, or if you are uninsured, you will need to shop for an insurer that can file the form for you and switch your insurance.

SR-22 Mississippi alternatives

There are no alternatives to the SR-22 form in Mississippi. However, in some other states, the document of financial responsibility required after a traffic violation can be called by different names. The following table indicates the different alternatives to an SR-22 in various states.

Form States issued Required insurance minimums
SR-22 Most states (excluding Delaware, Kentucky, Maryland, Minnesota, New Mexico, New York, North Carolina, Oklahoma and Pennsylvania) State minimum
SR-19 California, Texas Uninsured motorist coverage
SR-21 Florida, Hawaii State minimum
SR-22A Georgia, Texas, Missouri State minimum or more, pre-paid
FR-44 Florida, Virginia Higher than state minimum (up to double)
FR-19 Maryland State minimum
SR-50 Indiana State minimum
  • SR-19: This form is used by California and Texas when motorists are in an accident with an uninsured driver.
  • SR-21: SR-21s prove that drivers were insured at the time of an accident or ticket.
  • SR-22A: This form is similar to an SR-22 but requires that at least six months of insurance coverage is prepaid.
  • FR-44: Florida and Virginia require this form for especially high-risk drivers or repeat offenders, and it requires that the driver carry higher than state minimum limits.
  • FR-19: Maryland uses this form to confirm insurance coverage for 30 days.
  • SR-50: This form is used in Indiana and verifies coverage at a date in the past.

Non-owner SR-22

It is possible for motorists to get into a traffic violation even without owning a vehicle. In such a case, the driver may need to purchase a non-owner car insurance policy and request that their insurance company file the SR-22. Just with regular SR-22s, though, not all companies that write non-owner insurance policies will file the SR-22 form.

SR-22 Mississippi costs

Most insurance companies will charge an SR-22 filing fee, but it is usually relatively low. However, even though the SR-22 form itself is not expensive, the driving incident that prompted the need for the SR-22 will likely increase your premium.

If you find that your car insurance is too expensive after you see a premium increase, you may want to shop around for a cheaper Mississippi car insurance company. You may still pay higher premiums than if you had a clean driving record, but you might be able to find the cheapest option for your situation.

Frequently asked questions

How long do I need an SR-22 in Mississippi?

An SR-22 is attached to your insurance policy and remains on your record for at least three years. In some states, you may need to maintain the SR-22 for up to five years. However, the conviction that means you need the SR-22 may stay on your record for much longer. If you need to file an SR-22 because of a DUI conviction, for example, the offense may remain on your record for life. However, the incident shouldn’t affect your car insurance premiums indefinitely; most companies surcharge for driving violations for three to five years.

How do I get SR-22 insurance in Mississippi?

An SR-22 form is not a type of insurance; it is a form filed by an insurance company as proof of your car insurance coverage. In many cases, you can contact your current insurance provider and ask for the SR-22 to be sent to the DMV. If your provider does not offer SR-22 filings, you can switch to a high-risk car insurer to submit the SR-22 for you.

How much does SR-22 insurance in Mississippi cost?

The filing fee for the SR-22 itself is relatively low, but you’ll likely see an increase in your car insurance premium due to the driving violation that prompted the need for the SR-22. The average cost of car insurance in Mississippi is $1,782 per year for full coverage, but that price is for drivers with clean driving records. High-risk drivers will likely pay quite a bit more.

What is the best car insurance company for SR-22s?

The best car insurance company will always vary by driver, regardless of if you need an SR-22 form or not. Each driver has different wants and needs from their coverage that will affect which company they choose. Getting quotes from a few different providers that will file the SR-22 form could help you find the best insurance company for your situation.

Written by
Cynthia Widmayer
Insurance Contributor
Cynthia Widmayer is an insurance contributor for Bankrate and has over two years of experience as a personal finance writer. She covers home, car and life insurance products for Bankrate, The Simple Dollar and among others.
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Insurance Writer & Editor