How long do you need an SR-22 in Mississippi? This question is about Cheap Car Insurance in Mississippi

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

This question is about Cheap Car Insurance in Mississippi

Delaney Simchuk, Car Insurance Writer

@delaney_simchuk • 08/31/23 This answer was first published on 08/31/23. For the most current information about a financial product, you should always check and confirm accuracy with the offering financial institution. Editorial and user-generated content is not provided, reviewed or endorsed by any company.

Permalink Report Abuse

You need an SR-22 in Mississippi for 3 years, meaning you must also maintain at least the minimum car insurance coverage required by Mississippi law for 3 years. Failure to have an SR-22 for 3 years can result in additional penalties and reinstatement fees.

Mississippi SR-22 Insurance Requirements

$25,000 in bodily injury liability insurance per person ($50,000 per accident)
$25,000 in property damage liability coverage

When you get SR-22 insurance coverage in Mississippi, your insurance company files your SR-22 certification with the state on your behalf. Failing to file an SR-22 can result in your vehicle registration or license being suspended, in addition to costly reinstatement fees. Your insurer also notifies the state if you cancel your policy or allow it to lapse prematurely. You’re even required to maintain an SR-22 if you move from Mississippi, using an out-of-state filing.

If you’re unable to afford your payments, contact your insurance provider before you miss a due date. You can request a different payment plan or get information about subsidized plans that may be more affordable.

Do I need an SR-22?

You need an SR-22 if a judge or your state department of motor vehicles has informed you that you do. An SR-22 form, also called a Certificate of Financial Responsibility, may be required if you are trying to reinstate or maintain your license after being convicted of certain driving violations. These include DUI/DWIs, reckless driving, driving without a license or insurance, or repeat offenses. You can only get an SR-22 form from your car insurance...

read full answer

What does SR-22 insurance cover?

SR-22 insurance covers the cost of other people’s injuries and property damage after accidents that you cause, and it does not cover damage to your own vehicle. If the court or state tells you that you need SR-22 insurance certification, your minimum coverage requirements are still the same as for any other resident.

SR-22 is actually the name of the form the court or state requires from drivers convicted of certain violations, such as...

read full answer

How much does non-owner SR-22 insurance cost?

Non-owner SR-22 insurance costs at least $15 - $25, due to the fee insurers charge for filing an SR-22 form with the DMV. Non-owner SR-22 insurance also costs roughly 3% more than a standard non-owner car insurance policy, on average, given the high-risk surcharge that insurers apply to the premiums of drivers who need an SR-22.

The exact cost of a non-owner SR-22 policy depends on where the driver lives and how much car insurance they’re...

read full answer

Did we answer your question?

WalletHub Answers is a free service that helps consumers access financial information. Information on WalletHub Answers is provided “as is” and should not be considered financial, legal or investment advice. WalletHub is not a financial advisor, law firm, “lawyer referral service,” or a substitute for a financial advisor, attorney, or law firm. You may want to hire a professional before making any decision. WalletHub does not endorse any particular contributors and cannot guarantee the quality or reliability of any information posted. The helpfulness of a financial advisor's answer is not indicative of future advisor performance.

WalletHub members have a wealth of knowledge to share, and we encourage everyone to do so while respecting our content guidelines. This question was posted by WalletHub. Please keep in mind that editorial and user-generated content on this page is not reviewed or otherwise endorsed by any financial institution. In addition, it is not a financial institution’s responsibility to ensure all posts and questions are answered.

Ad Disclosure: Certain offers that appear on this site originate from paying advertisers, and this will be noted on an offer’s details page using the designation "Sponsored", where applicable. Advertising may impact how and where products appear on this site (including, for example, the order in which they appear). At WalletHub we try to present a wide array of offers, but our offers do not represent all financial services companies or products.

WalletHub Transparency

We are committed to being fully transparent with our readers. Opinions expressed here are the author’s and/or WalletHub editors'. WalletHub editorial content on this page is not provided, commissioned, reviewed, approved or otherwise endorsed by any company. In addition, it is not any company’s responsibility to ensure all questions are answered.