Winslow Arizona, Car Insurance Writer
An SR-22 in Mississippi is a certificate proving that a high-risk driver has the legal requirements for car insurance in Mississippi. So-called SR-22 insurance raises annual car insurance premiums by roughly $38 in Mississippi, compared to standard rates. In addition, there’s usually a fee of $15 to $25 for your insurance company to file your SR-22 documentation with the state.
Your SR-22 must be maintained with Mississippi’s licensing agency for 3 years, according to Mississippi law. If your insurance coverage lapses during that time, your insurance company is required to report you to the state. Your SR-22 period resets in that case, and you are required to pay any SR-22-related fees again.
What You Need to Know About SR-22 Insurance in Mississippi:
- Who Needs SR-22 Insurance in Mississippi? Mississippi requires SR-22 documentation for drivers who are convicted of serious traffic violations. The list includes major offenses such as reckless driving, hit and run, and DUI.
- How Much Does SR-22 Insurance Raise Premiums in Mississippi? An SR-22 in Mississippi increases car insurance costs by approximately $38. That is roughly 7% more than the average Mississippi resident pays for car insurance.
- What is Minimum SR-22 Car Insurance Coverage in Mississippi: Drivers need at least $25,000 in bodily injury liability insurance per person ($50,000 per accident) plus $25,000 in property damage liability insurance.
- How to File SR-22 Documentation in Mississippi: Your insurance company will file the SR-22 certificate with the state for you. For the next 3 years, you need to keep your insurance policy active with no lapse in coverage.
Summary: SR-22 Insurance in Mississippi
SR22 Needed After
Serious traffic violation and/or license suspension
Average Cost Increase
Min. Bodily Injury Liability Coverage
$25,000 per person / $50,000 per accident
Min. Property Damage Liability Coverage
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