Ultimate Guide to SR22 Insurance Mississippi: Secure Your Coverage Now!

Finding the right SR22 insurance in Mississippi can feel overwhelming, but securing the right coverage is essential for getting back on the road with confidence. Learn everything you need to know about SR22 insurance in Mississippi to make an informed decision and protect your driving future.

Mississippi State Liability Requirements

Required Liability Coverage:
$25,000 bodily injury liability per person
$50,000 bodily injury liability per accident
$25,000 property damage liability per accident
Uninsured Motorist Coverage: Rejection Form Required

Comparing SR22 Insurance Rates by Company for Full Coverage in Mississippi

Most commonly, people associate SR22 insurance as expensive or the reasons their insurance premiums increase. This is not the case. Your insurance premium may increase based upon the violation you were convicted of, the SR22 filing is a small fee added onto your existing policy, usually $5-$25 each term.

If you need full coverage on your vehicle, you can add the SR22 filing to your existing policy. There is no need to take out a second policy just for the SR22.

Finding the best cheap SR22 insurance in Mississippi can make a significant difference in your monthly budget and overall peace of mind. Different insurance companies offer varying rates and coverage options, so it’s crucial to compare them to get the best deal. Below, we have compiled a table showing the average monthly rates for SR22 insurance with full coverage from top insurance companies in Mississippi. Use this information to make an informed decision and choose the coverage that best suits your needs.

The General$240
National General$230
Bristol West$220
Assurance America$235

10 Reasons You May be Required to Carry SR22 Insurance

Understanding why you may need to carry SR22 insurance Mississippi is crucial for navigating your insurance needs and legal requirements. Below are some common reasons drivers in Mississippi might be required to have SR22 insurance:

  1. DUI or DWI Convictions: If you’ve been convicted of driving under the influence (DUI) or driving while intoxicated (DWI), an SR22 is often required to reinstate your driving privileges.
  2. Multiple Traffic Violations: Accumulating too many points on your driving record from traffic violations can result in the need for SR22 insurance.
  3. Driving Without Insurance: Being caught driving without the state-mandated minimum insurance coverage may lead to an SR22 requirement.
  4. Serious Traffic Offenses: Involvement in serious traffic offenses such as reckless driving can also necessitate an SR22 filing.
  5. License Suspension or Revocation: If your license has been suspended or revoked, an SR22 may be required to reinstate it.
  6. At-Fault Accidents: Being involved in one or more at-fault accidents without adequate insurance coverage can lead to the need for SR22 insurance.
  7. Failure to Pay Fines or Child Support: Not paying fines related to traffic violations or child support can also result in the requirement for an SR22.
  8. Driving With a Suspended License: If you’re caught driving while your license is suspended, you may need to file an SR22 to get it reinstated.
  9. Repeat Offender Programs: Participation in certain repeat offender programs for habitual traffic offenders might include the requirement to maintain SR22 insurance.
  10. Court Orders: In some cases, a court may order you to carry SR22 insurance as part of a legal judgment or settlement.

Major violations like this will require you to carry an SR22 in order to reinstate your drivers license. Anything small, like a speeding ticket, or failure to yield is not a major violation and will NOT require an SR22.

By understanding these reasons, you can better navigate the requirements and ensure you remain compliant with Mississippi’s driving laws.

SR22 Insurance Mississippi: Liability Coverage Costs

Understanding the costs associated with SR22 insurance for liability coverage in Mississippi is essential for budgeting and ensuring you meet state requirements. Liability coverage is the minimum insurance required to cover damages or injuries you may cause in an accident. The rates for SR22 liability insurance can vary significantly based on factors such as your driving history, age, and the insurance company you choose.

Below, we have compiled a table showing the average monthly rates for SR22 liability coverage from top insurance companies in Mississippi. Use this information to compare options and find the best rate for your needs.

Insurance CompanyAverage Monthly Rate
The General$180
National General$170
Bristol West$160
Assurance America$175
SR22 Insurance Mississippi – Liability Coverage

Understanding DUI and SR-22 Insurance Requirements in Mississippi

If you’ve been convicted of a DUI (Driving Under the Influence) in Mississippi, you may be required to obtain SR-22 insurance to reinstate your driving privileges. SR-22 is not a type of insurance but a certificate of financial responsibility that proves you have the minimum required auto insurance coverage. The process of obtaining and maintaining SR-22 insurance can be complex and may result in higher insurance rates due to the increased risk associated with DUI convictions. Below is a detailed comparison of the key aspects of DUI and SR-22 requirements in Mississippi.

DefinitionDriving Under the Influence of alcohol or drugsCertificate of Financial Responsibility
When RequiredUpon conviction of DUIRequired by the state to reinstate driving privileges
Insurance ImpactHigher insurance rates, possible policy cancellationHigher insurance premiums due to risk designation
Minimum Insurance CoverageLiability: 25/50/25*Proof of minimum coverage as mandated by Mississippi law
Duration of RequirementVaries by case, typically several months to yearsGenerally required for 3 years from the date of reinstatement
Penalties for Non-ComplianceLicense suspension, fines, jail timeSuspension of driving privileges, additional fines
How to ObtainThrough the court and DMVContact your insurance company to file SR-22 with the state
Cost ImpactSignificant increase in premiumsFiling fee + higher insurance rates

* 25/50/25 refers to $25,000 for injury per person, $50,000 for total injuries per accident, and $25,000 for property damage.

Affordable SR22 Insurance in Mississippi

If you’ve been convicted of a DUI in Mississippi, your license will be suspended, and you will be required to carry an SR22 for 3-5 years. The SR22 will simply let the State of Mississippi know that you are carrying the minimum liability limits.

Which Companies Offer SR22 Filings?

When you’re required to file an SR-22, it’s important to know which insurance companies provide this service. An SR-22 filing is a certificate of financial responsibility that proves you have the necessary auto insurance coverage as mandated by your state. Many insurance providers offer SR-22 filings, and it can be beneficial to compare their offerings to find the best fit for your needs. Below is a list of companies that offer SR-22 filings:

CompanySR22 Offered
Liberty MutualYes
Mendota Ins. CompanyYes
State FarmNo
21st CenturyNo
Progressive InsuranceYes
American FamilyNo
Acceptance RTRYes
The GeneralYes
Bristol Westyes
National GeneralYes
Cheap SR22 Insurance Mississippi

Full Coverage SR-22 Insurance Costs in Mississippi

Navigating the costs associated with SR22 insurance Mississippi can be challenging, especially when seeking full coverage. SR-22 insurance is typically more expensive due to the higher risk profile of drivers required to carry it. Full coverage, which includes liability, collision, and comprehensive insurance, provides extensive protection but comes at a premium. Understanding the factors that influence these costs and comparing different providers can help you make informed decisions. Below is a detailed comparison of full coverage SR-22 insurance costs in Mississippi.

FactorDescriptionImpact on Cost
Driving RecordHistory of traffic violations, accidents, and DUIsSignificant increase; higher risk leads to higher premiums
Vehicle TypeMake, model, and year of the vehicleNewer or high-value cars can increase premiums due to repair costs
Coverage LevelLiability, collision, and comprehensiveFull coverage costs more than liability-only coverage
Insurance ProviderDifferent insurers offer varying rates for SR-22 coverageRates can vary widely; shopping around is crucial
LocationArea within Mississippi where you live and driveUrban areas may have higher rates due to higher accident risks
Credit ScoreFinancial responsibility as indicated by credit historyLower credit scores can result in higher premiums
Age and GenderDemographic factors affecting risk assessmentYounger drivers, especially males, often face higher costs
SR-22 Filing FeeAdditional fee for filing the SR-22 form with the stateTypically a one-time or annual fee added to the insurance cost

Understanding these factors and comparing quotes from various insurance companies can help you find the best rates for full coverage cheap SR22 insurance in Mississippi.

Below is a table with the Average Full Coverage SR22 Insurance in Mississippi:

Holly Springs$148
Moss Point$177
Ocean Springs$182
Gulf Park Estates$181
New Albany$176
Bay St. Louis$158
St. Martin$160
Olive Branch$179
Pass Christian$158
Horn Lake$174
Crystal Springs$151
Yazoo City$162
Long Beach$170
West Hattiesburg$162
West Point$148
Gulf Hills$152
Cheap SR22 Insurance Mississippi

Managing SR-22 Requirements and Child Support Obligations

Balancing SR-22 requirements and child support obligations can be challenging. SR-22 is a certificate of financial responsibility mandated by the state for high-risk drivers, typically following serious traffic offenses like DUIs. On the other hand, child support is a legal obligation to provide financial assistance for a child’s upbringing. Both requirements can place a financial burden on individuals, making it essential to understand how to manage these obligations effectively. Below is a comparison of key aspects of SR-22 requirements and child support obligations to help navigate this complex situation.

AspectSR-22Child Support
DefinitionCertificate of Financial ResponsibilityLegal obligation to provide financial support for a child
When RequiredAfter serious traffic offenses (e.g., DUI)Determined by court order following divorce or separation
Financial ImpactHigher insurance premiums, filing feesMonthly payments based on income and child’s needs
Duration of RequirementTypically 3 years from reinstatement of licenseUntil the child reaches the age of majority or as specified by court order
Penalties for Non-ComplianceSuspension of driving privileges, additional finesWage garnishment, tax refund interception, license suspension
How to Obtain/ComplyContact insurance company to file SR-22Payments made directly or through state child support agency
Cost ImpactSignificant increase in insurance costsMonthly financial burden based on income
Legal ConsequencesDriving without SR-22 leads to severe penaltiesFailure to pay can result in legal actions and penalties

Understanding these aspects can help in managing the financial and legal responsibilities associated with SR-22 and child support, ensuring compliance with both requirements.

If your license has been suspended for failure to pay child support, you will be required to maintain liability insurance with an SR-22 filing for at least 3 years.

Understanding the Fees Associated with SR-22 Insurance

When required to file an SR-22, it’s important to be aware of the associated fees and costs. The SR-22 is a certificate of financial responsibility mandated by the state for high-risk drivers, typically following violations such as DUIs. While the filing fee for SR-22 itself is relatively low, usually ranging from $15 to $50, the overall financial impact can be significant due to increased insurance premiums. Below is a detailed breakdown of the various fees and costs you may encounter with SR-22 insurance.

Fee TypeDescriptionTypical Cost Range
SR-22 Filing FeeA one-time fee charged by the insurance company to file the SR-22 certificate with the state$25
Increased Insurance PremiumsHigher monthly or annual insurance rates due to the high-risk status50% – 100% increase over standard rates
Reinstatement FeeFee to reinstate your driver’s license after suspension$100 – $250
Administrative FeesAdditional fees charged by the DMV or state for processing and administrative tasks$25 – $100
DUI or Traffic Violation FinesFines imposed as a result of the violation that led to the SR-22 requirement$500 – $5,000, depending on the violation
Legal FeesCosts associated with legal representation if requiredVaries widely, typically $1,000+
Ignition Interlock Device CostInstallation and monthly maintenance fees for required ignition interlock devices$70 – $150 installation, $60 – $80/month

Understanding these fees can help you better prepare for the financial obligations associated with SR-22 insurance and ensure you remain compliant with state requirements.

Finding the Lowest SR-22 Insurance Rates in Mississippi (City-by-City Guide)

Securing cheap SR22 insurance in Mississippi can be challenging, but understanding the price variations across different cities can help you find the best rates. Insurance premiums for SR-22 certificates vary significantly based on location, the driver’s history, and the insurance provider. To help you make an informed decision, we’ve compiled a city-by-city guide to highlight the cheapest SR-22 insurance rates available in Mississippi. This guide will assist you in comparing costs and selecting the most affordable option for your specific needs.

CityLowest Monthly RateInsurance ProviderNotes
Jackson$120ProgressiveGood for drivers with one DUI offense
Gulfport$130DairylandOffers discounts for bundled policies
Hattiesburg$125The GeneralCompetitive rates for high-risk drivers
Biloxi$135National GeneralLower rates for drivers with clean records
Southaven$128Assurance AmericaSpecializes in high-risk auto insurance
Meridian$122Bristol WestAffordable rates for multiple violations
Tupelo$127Falcon InsuranceKnown for flexible payment plans
Olive Branch$130SuncoastGood customer service and support
Greenville$125MendotaLow rates for drivers with minor infractions
Horn Lake$132ProgressiveProvides various discount options
Pearl$126DairylandOffers affordable rates for first-time SR-22 filers
Madison$134The GeneralKnown for quick SR-22 processing
Ridgeland$129National GeneralCompetitive rates and good customer service
Starkville$124Assurance AmericaGood for drivers with previous insurance lapses
Columbus$127Bristol WestSpecializes in high-risk driver insurance
Vicksburg$125MendotaLow rates for drivers with clean records
Clinton$131Falcon InsuranceFlexible payment plans available
Ocean Springs$128SuncoastOffers various discount options
Laurel$123ProgressiveAffordable rates for first-time SR-22 filers
Pascagoula$129DairylandCompetitive rates for high-risk drivers
Brandon$126The GeneralKnown for excellent customer service
Yazoo City$132National GeneralGood for drivers with multiple violations
Grenada$127Assurance AmericaLow rates for drivers with minor infractions
Canton$130Bristol WestFlexible payment plans and good customer support

By comparing these rates and providers, you can find cheap SR22 insurance premiums in your city, ensuring you get the coverage you need at a price you can afford.

Comparing SR-22 Insurance Rates by Company in Mississippi (Liability Coverage)

A common misconception about SR22 insurance is that it is expensive. What makes SR22 insurance expensive is a person’s driving record not the actual SR22 filing itself.

Finding cheap SR22 insurance in Mississippi can be challenging due to the higher risk associated with drivers requiring this certificate of financial responsibility. Different insurance companies offer varying rates for SR-22 liability coverage, making it essential to compare options to find the best deal. The following table provides a comparison of SR22 insurance rates from several major companies in Mississippi, helping you make an informed decision about your coverage.

Insurance CompanyAverage Monthly RateAverage Annual RateNotes
Progressive$150$1,800Offers discounts for bundling multiple policies
Dairyland$165$1,980Known for high-risk driver coverage
The General$140$1,680Provides flexible payment options
National General$155$1,860Competitive rates for high-risk drivers
Bristol West$160$1,920Specializes in non-standard auto insurance
AssuranceAmerica$170$2,040Focuses on providing coverage for drivers with violations
Falcon Insurance$175$2,100Tailored policies for high-risk and non-standard drivers
Mendota$158$1,896Offers coverage options specifically for SR-22 requirements

By comparing the average rates from different insurance companies, you can identify which provider offers the most competitive pricing for SR-22 liability coverage in Mississippi. Remember to consider additional factors such as customer service, payment flexibility, and available discounts when making your decision.

Frequently Asked Questions about SR22 Insurance in Mississippi

What is an SR-22 in Mississippi?

An SR-22 is a certificate of financial responsibility letting the State know that you are carrying at least liability insurance.

How do I know if I need an SR-22 in Mississippi?

If you’ve been convicted of a major violation; such as DUI, Reckless Driving, Hit and Run, you will most likely need an SR-22.

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

The average time required to carry an SR-22 is 1-5 years.

How much does an SR-22 cost in Mississippi?

While it depends on the insurance company, most companies charge a flat fee of $5-$25 each term.

What happens if I let my SR-22 lapse in Mississippi?

If your insurance has lapsed or cancelled, the state will be notified. You will need to maintain coverage, your time may restart if the policy has cancelled.

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Last Updated on by Amanda Moss

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