- Ultimate Guide to SR22 Insurance Mississippi: Secure Your Coverage Now!
- Comparing SR22 Insurance Rates by Company for Full Coverage in Mississippi
- 10 Reasons You May be Required to Carry SR22 Insurance
- SR22 Insurance Mississippi: Liability Coverage Costs
- Understanding DUI and SR-22 Insurance Requirements in Mississippi
- Which Companies Offer SR22 Filings?
- Full Coverage SR-22 Insurance Costs in Mississippi
- Managing SR-22 Requirements and Child Support Obligations
- Understanding the Fees Associated with SR-22 Insurance
- Finding the Lowest SR-22 Insurance Rates in Mississippi (City-by-City Guide)
- Comparing SR-22 Insurance Rates by Company in Mississippi (Liability Coverage)
- Frequently Asked Questions about SR22 Insurance in Mississippi
- What We Do at A Plus Insurance
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.
| Progressive | $210 |
| Dairyland | $225 |
| The General | $240 |
| National General | $230 |
| Bristol West | $220 |
| Assurance America | $235 |
| Falcon | $245 |
| Suncoast | $215 |
| Gainsco | $228 |
| Mendota | $232 |
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:
- 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.
- Multiple Traffic Violations: Accumulating too many points on your driving record from traffic violations can result in the need for SR22 insurance.
- Driving Without Insurance: Being caught driving without the state-mandated minimum insurance coverage may lead to an SR22 requirement.
- Serious Traffic Offenses: Involvement in serious traffic offenses such as reckless driving can also necessitate an SR22 filing.
- License Suspension or Revocation: If your license has been suspended or revoked, an SR22 may be required to reinstate it.
- At-Fault Accidents: Being involved in one or more at-fault accidents without adequate insurance coverage can lead to the need for SR22 insurance.
- 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.
- 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.
- Repeat Offender Programs: Participation in certain repeat offender programs for habitual traffic offenders might include the requirement to maintain SR22 insurance.
- 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 Company | Average Monthly Rate |
|---|---|
| Progressive | $150 |
| Dairyland | $165 |
| The General | $180 |
| National General | $170 |
| Bristol West | $160 |
| Assurance America | $175 |
| Falcon | $185 |
| Suncoast | $155 |
| Gainsco | $168 |
| Mendota | $172 |
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.
| Aspect | DUI | SR-22 |
|---|---|---|
| Definition | Driving Under the Influence of alcohol or drugs | Certificate of Financial Responsibility |
| When Required | Upon conviction of DUI | Required by the state to reinstate driving privileges |
| Insurance Impact | Higher insurance rates, possible policy cancellation | Higher insurance premiums due to risk designation |
| Minimum Insurance Coverage | Liability: 25/50/25* | Proof of minimum coverage as mandated by Mississippi law |
| Duration of Requirement | Varies by case, typically several months to years | Generally required for 3 years from the date of reinstatement |
| Penalties for Non-Compliance | License suspension, fines, jail time | Suspension of driving privileges, additional fines |
| How to Obtain | Through the court and DMV | Contact your insurance company to file SR-22 with the state |
| Cost Impact | Significant increase in premiums | Filing 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.
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:
| Company | SR22 Offered |
|---|---|
| Liberty Mutual | Yes |
| Mendota Ins. Company | Yes |
| Farmers | Yes |
| State Farm | No |
| 21st Century | No |
| Dairyland | Yes |
| Travelers | No |
| Nationwide | No |
| Progressive Insurance | Yes |
| American Family | No |
| USAA | No |
| Acceptance RTR | Yes |
| Geico | Yes |
| The General | Yes |
| Bristol West | yes |
| National General | Yes |
| Safeco | No |
| GAINSCO | Yes |
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.
| Factor | Description | Impact on Cost |
|---|---|---|
| Driving Record | History of traffic violations, accidents, and DUIs | Significant increase; higher risk leads to higher premiums |
| Vehicle Type | Make, model, and year of the vehicle | Newer or high-value cars can increase premiums due to repair costs |
| Coverage Level | Liability, collision, and comprehensive | Full coverage costs more than liability-only coverage |
| Insurance Provider | Different insurers offer varying rates for SR-22 coverage | Rates can vary widely; shopping around is crucial |
| Location | Area within Mississippi where you live and drive | Urban areas may have higher rates due to higher accident risks |
| Credit Score | Financial responsibility as indicated by credit history | Lower credit scores can result in higher premiums |
| Age and Gender | Demographic factors affecting risk assessment | Younger drivers, especially males, often face higher costs |
| SR-22 Filing Fee | Additional fee for filing the SR-22 form with the state | Typically 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:
| City | Price |
|---|---|
| Ridgeland | $152 |
| Florence | $157 |
| Philadelphia | $177 |
| Flowood | $160 |
| Senatobia | $157 |
| Southaven | $148 |
| Carthage | $148 |
| Laurel | $173 |
| Columbia | $180 |
| McComb | $181 |
| Ellisville | $155 |
| Batesville | $153 |
| Gautier | $149 |
| Oxford | $155 |
| Amory | $159 |
| Corinth | $165 |
| Holly Springs | $148 |
| Aberdeen | $178 |
| Kosciusko | $178 |
| Moss Point | $177 |
| Pontotoc | $159 |
| Ocean Springs | $182 |
| Ripley | $177 |
| Madison | $153 |
| Gulf Park Estates | $181 |
| Cleveland | $164 |
| Hernando | $155 |
| Wiggins | $151 |
| New Albany | $176 |
| Vancleave | $174 |
| Vicksburg | $169 |
| Canton | $178 |
| Pascagoula | $153 |
| Bay St. Louis | $158 |
| Starkville | $182 |
| St. Martin | $160 |
| Waveland | $180 |
| Picayune | $165 |
| Brandon | $176 |
| Olive Branch | $179 |
| Clinton | $148 |
| Brookhaven | $180 |
| Tupelo | $149 |
| Pass Christian | $158 |
| Horn Lake | $174 |
| Jackson | $153 |
| Diamondhead | $146 |
| Hattiesburg | $150 |
| Meridian | $166 |
| Crystal Springs | $151 |
| Greenville | $157 |
| Yazoo City | $162 |
| Natchez | $176 |
| Clarksdale | $181 |
| Grenada | $150 |
| Waynesboro | $150 |
| Forest | $181 |
| Long Beach | $170 |
| Indianola | $175 |
| West Hattiesburg | $162 |
| West Point | $148 |
| Louisville | $177 |
| Petal | $146 |
| D’Iberville | $157 |
| Biloxi | $155 |
| Booneville | $146 |
| Gulf Hills | $152 |
| Richland | $151 |
| Saltillo | $170 |
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.
| Aspect | SR-22 | Child Support |
|---|---|---|
| Definition | Certificate of Financial Responsibility | Legal obligation to provide financial support for a child |
| When Required | After serious traffic offenses (e.g., DUI) | Determined by court order following divorce or separation |
| Financial Impact | Higher insurance premiums, filing fees | Monthly payments based on income and child’s needs |
| Duration of Requirement | Typically 3 years from reinstatement of license | Until the child reaches the age of majority or as specified by court order |
| Penalties for Non-Compliance | Suspension of driving privileges, additional fines | Wage garnishment, tax refund interception, license suspension |
| How to Obtain/Comply | Contact insurance company to file SR-22 | Payments made directly or through state child support agency |
| Cost Impact | Significant increase in insurance costs | Monthly financial burden based on income |
| Legal Consequences | Driving without SR-22 leads to severe penalties | Failure 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 Type | Description | Typical Cost Range |
|---|---|---|
| SR-22 Filing Fee | A one-time fee charged by the insurance company to file the SR-22 certificate with the state | $25 |
| Increased Insurance Premiums | Higher monthly or annual insurance rates due to the high-risk status | 50% – 100% increase over standard rates |
| Reinstatement Fee | Fee to reinstate your driver’s license after suspension | $100 – $250 |
| Administrative Fees | Additional fees charged by the DMV or state for processing and administrative tasks | $25 – $100 |
| DUI or Traffic Violation Fines | Fines imposed as a result of the violation that led to the SR-22 requirement | $500 – $5,000, depending on the violation |
| Legal Fees | Costs associated with legal representation if required | Varies widely, typically $1,000+ |
| Ignition Interlock Device Cost | Installation 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.
| City | Lowest Monthly Rate | Insurance Provider | Notes |
|---|---|---|---|
| Jackson | $120 | Progressive | Good for drivers with one DUI offense |
| Gulfport | $130 | Dairyland | Offers discounts for bundled policies |
| Hattiesburg | $125 | The General | Competitive rates for high-risk drivers |
| Biloxi | $135 | National General | Lower rates for drivers with clean records |
| Southaven | $128 | Assurance America | Specializes in high-risk auto insurance |
| Meridian | $122 | Bristol West | Affordable rates for multiple violations |
| Tupelo | $127 | Falcon Insurance | Known for flexible payment plans |
| Olive Branch | $130 | Suncoast | Good customer service and support |
| Greenville | $125 | Mendota | Low rates for drivers with minor infractions |
| Horn Lake | $132 | Progressive | Provides various discount options |
| Pearl | $126 | Dairyland | Offers affordable rates for first-time SR-22 filers |
| Madison | $134 | The General | Known for quick SR-22 processing |
| Ridgeland | $129 | National General | Competitive rates and good customer service |
| Starkville | $124 | Assurance America | Good for drivers with previous insurance lapses |
| Columbus | $127 | Bristol West | Specializes in high-risk driver insurance |
| Vicksburg | $125 | Mendota | Low rates for drivers with clean records |
| Clinton | $131 | Falcon Insurance | Flexible payment plans available |
| Ocean Springs | $128 | Suncoast | Offers various discount options |
| Laurel | $123 | Progressive | Affordable rates for first-time SR-22 filers |
| Pascagoula | $129 | Dairyland | Competitive rates for high-risk drivers |
| Brandon | $126 | The General | Known for excellent customer service |
| Yazoo City | $132 | National General | Good for drivers with multiple violations |
| Grenada | $127 | Assurance America | Low rates for drivers with minor infractions |
| Canton | $130 | Bristol West | Flexible 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 Company | Average Monthly Rate | Average Annual Rate | Notes |
|---|---|---|---|
| Progressive | $150 | $1,800 | Offers discounts for bundling multiple policies |
| Dairyland | $165 | $1,980 | Known for high-risk driver coverage |
| The General | $140 | $1,680 | Provides flexible payment options |
| National General | $155 | $1,860 | Competitive rates for high-risk drivers |
| Bristol West | $160 | $1,920 | Specializes in non-standard auto insurance |
| AssuranceAmerica | $170 | $2,040 | Focuses on providing coverage for drivers with violations |
| Falcon Insurance | $175 | $2,100 | Tailored policies for high-risk and non-standard drivers |
| Mendota | $158 | $1,896 | Offers 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