- SR22 Insurance Mississippi
- SR22 Insurance Mississippi: Rates by Company (Full Coverage)
- SR22 Insurance Mississippi: State Laws
- Reasons You May be Required to Carry an SR22
- SR22 Insurance Mississippi: Cost (Liability)
- DUI and SR-22 in Mississippi
- Which Companies Offer SR22 Filings?
- Cost for SR22 Insurance Mississippi (Full Coverage)
- SR22 and Child Support
- Company Fees
- Who Has The Lowest Price For SR-22 Insurance Mississippi (By City)
- SR-22 Insurance Mississippi Rates by Company (Liability)
- Frequently Asked Questions about SR22 Insurance in Mississippi
- What We Do at A Plus Insurance
SR22 Insurance Mississippi: Rates by Company (Full Coverage)
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 SR22.
| Company | SR22 Full Coverage (Average) |
|---|---|
| American Family | N/A |
| Allstate | N/A |
| Geico | $208.00 |
| Nationwide | N/A |
| Mendota Ins. Company | $190.00 |
| Bristol West | $213.00 |
| National General | $165.00 |
| Safeco | N/A |
| Travelers | N/A |
| State Farm | N/A |
| State Auto | N/A |
| Farmers | $211.00 |
| Progressive Insurance | $193.00 |
| USAA | N/A |
| The General | $204.00 |
| 21st Century | N/A |
| AssuranceAmerica | $215.00 |
| Dairyland | $177.00 |
| Liberty Mutual | $178.00 |
SR22 Insurance Mississippi: State Laws
Under Mississippi law, all drivers required to carry SR-22 will need to maintain the minimum liability coverages. The SR-22 certificate of insurance will provide Mississippi DPS proof that you are carrying insurance for the minimum requirements, for at least 3 years.
Reasons You May be Required to Carry an SR22
Major violations 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.
Check the list below to see the common violations that require an SR-22.
| At Fault accident with no insurance |
| DWI (Driving while intoxicated) |
| Failure to maintain mandatory insurance coverage required by state law |
| License suspension for failure to pay fines |
| Multiple Traffic Offenses |
| Driving while Suspended/revocation |
| Previous incarceration |
| Too many tickets in short period of time |
| DUI (Driving under the influence of Drugs or Alcohol) |
| Excessive points violations |
| Suspension of license due to child support |
SR22 Insurance Mississippi: Cost (Liability)
Liability insurance is the only thing you need in order to comply with your SR22. The cost for liability insurance varies upon the insurance company and your location. Larger cities will higher amounts of accidents/claims may cost more for insurance than smaller cities.
| City | Price |
|---|---|
| Bay St. Louis | $91.00 |
| Saltillo | $110.00 |
| Clinton | $108.00 |
| Pontotoc | $89.00 |
| Meridian | $96.00 |
| Indianola | $103.00 |
| D’Iberville | $103.00 |
| Hattiesburg | $88.00 |
| Diamondhead | $93.00 |
| Tupelo | $104.00 |
| Pearl | $100.00 |
| Pass Christian | $97.00 |
| Louisville | $106.00 |
| Ridgeland | $97.00 |
| Cleveland | $105.00 |
| Aberdeen | $96.00 |
| Kosciusko | $88.00 |
| Booneville | $93.00 |
| Grenada | $94.00 |
| Greenwood | $88.00 |
| Columbus | $101.00 |
| Biloxi | $96.00 |
| Forest | $87.00 |
| Carthage | $96.00 |
| Natchez | $98.00 |
| Ellisville | $88.00 |
| Waveland | $109.00 |
| Hernando | $105.00 |
| Batesville | $110.00 |
| Brookhaven | $109.00 |
| Laurel | $88.00 |
| Philadelphia | $107.00 |
| Wiggins | $103.00 |
| Crystal Springs | $89.00 |
| St. Martin | $90.00 |
| Petal | $94.00 |
| Gulf Hills | $102.00 |
| Moss Point | $100.00 |
| Olive Branch | $90.00 |
| Pascagoula | $96.00 |
| Greenville | $106.00 |
| Madison | $90.00 |
| Byram | $88.00 |
| Oxford | $96.00 |
| Corinth | $86.00 |
| Columbia | $89.00 |
| West Point | $110.00 |
| Senatobia | $93.00 |
| Florence | $109.00 |
| Amory | $105.00 |
| McComb | $89.00 |
| Picayune | $86.00 |
| Jackson | $95.00 |
| Richland | $92.00 |
| West Hattiesburg | $103.00 |
| Starkville | $96.00 |
| Brandon | $108.00 |
| Gulf Park Estates | $90.00 |
| Southaven | $94.00 |
| Canton | $93.00 |
| Waynesboro | $94.00 |
| Clarksdale | $101.00 |
| Vancleave | $86.00 |
| Flowood | $109.00 |
| Long Beach | $106.00 |
| Vicksburg | $98.00 |
DUI and SR-22 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?
Not sure where to start looking for insurance quotes? Below is a list of common insurance companies in the areas of Mississippi, that do and do not offer SR22 Insurance.
If you are already insured, call your insurance company to ask if they can add an SR22 to your policy.
If you’re not insured, check with one of the companies below for a quote.
| Company | SR22 Offered |
|---|---|
| Liberty Mutual | yes |
| Mendota Ins. Company | yes |
| Farmers | yes |
| State Farm | unsure |
| 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 |
| Allstate | unsure |
| Safeco | no |
| GAINSCO | yes |
Cost for SR22 Insurance Mississippi (Full Coverage)
The average cost for full coverage varies with each insurance company, as well as the insured. A driver with less violations will pay less for full coverage insurance. The SR22 filings is generally a small fee added onto the premium.
| 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 |
SR22 and Child Support
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.
Company Fees
On average, most companies charge a fee of $5-$25 per insurance term. This means you pay the fee up front and it covers you the entire term wither that be 6 months or 12 months. At the renewal, the fee will need to be paid again for the upcoming term.
| Carrier | Fees |
|---|---|
| Progressive Insurance | $25.00 |
| Allstate | Unknown |
| Dairyland | Free |
| Liberty Mutual | $15-$25 |
| Bristol West | NA |
| Safeco | na |
| State Auto | na |
| Acceptance RTR | NA |
| GAINSCO | NA |
| National General | $25.00 |
| 21st Century | na |
| Geico | $25.00 |
| State Farm | Unknown |
| Travelers | na |
| USAA | na |
| Mendota Ins. Company | $25.00 |
| Nationwide | na |
| American Family | na |
| The General | $25.00 |
Who Has The Lowest Price For SR-22 Insurance Mississippi (By City)
Wondering which companies offer the cheapest insurance rates by city? Check below for a list of common cities and the cheapest insurance companies in that area.
| City | Price |
|---|---|
| St. Martin | The General |
| Senatobia | National General |
| Corinth | Progressive |
| Cleveland | Progressive |
| Long Beach | Liberty Mutual |
| Diamondhead | The General |
| Southaven | Liberty Mutual |
| Gulf Hills | Geico |
| Gautier | Farmers |
| Latimer | Geico |
| Carthage | The General |
| Waveland | Progressive |
| Clarksdale | Geico |
| Brandon | Progressive |
| D’Iberville | Farmers |
| Horn Lake | Dairyland* |
| Picayune | Progressive |
| Louisville | Progressive |
| Holly Springs | Liberty Mutual |
| Byram | Geico |
| Hernando | Progressive |
| Saltillo | Dairyland* |
| Amory | Bristol West |
| Petal | Progressive |
| Starkville | The General |
| Flowood | National General |
| Crystal Springs | Progressive |
| New Albany | The General |
| Ripley | Progressive |
| Pearl | Progressive |
| Jackson | Farmers |
| Pascagoula | National General |
| Ellisville | Progressive |
| McComb | Liberty Mutual |
| West Point | Geico |
| Richland | Progressive |
| Bay St. Louis | The General |
| Biloxi | Progressive |
| Grenada | The General |
| Tupelo | National General |
| Batesville | Progressive |
| Laurel | Bristol West |
| Oxford | Geico |
| Brookhaven | Liberty Mutual |
| Natchez | Progressive |
| Columbus | Liberty Mutual |
| Pass Christian | The General |
| Olive Branch | Progressive |
| Hattiesburg | Geico |
| Indianola | Liberty Mutual |
| Ocean Springs | Geico |
| Columbia | The General |
| Gulf Park Estates | The General |
| Madison | The General |
| Canton | Geico |
| Greenwood | Liberty Mutual |
| Vicksburg | Liberty Mutual |
| Pontotoc | Dairyland* |
| Aberdeen | Farmers |
| Florence | Liberty Mutual |
| Gulfport | The General |
| Waynesboro | The General |
| Clinton | Progressive |
| Moss Point | The General |
| Forest | Progressive |
| Yazoo City | The General |
| Philadelphia | Progressive |
| Vancleave | Progressive |
| Meridian | Geico |
| Ridgeland | National General |
| West Hattiesburg | Farmers |
| Wiggins | Geico |
| Kosciusko | Progressive |
SR-22 Insurance Mississippi Rates by Company (Liability)
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.
| Company | SR22 Liability (Average) |
|---|---|
| Allstate | N/A |
| National General | $103.00 |
| AssuranceAmerica | $108.00 |
| State Auto | N/A |
| State Farm | N/A |
| Dairyland | $115.00 |
| Nationwide | N/A |
| Geico | $92.00 |
| The General | $82.00 |
| American Family | N/A |
| Travelers | N/A |
| Mendota Ins. Company | $95.00 |
| 21st Century | N/A |
| Farmers | $87.00 |
| Bristol West | $105.00 |
| Safeco | N/A |
| Progressive Insurance | $81.00 |
| GAINSCO | $107.00 |
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 Veronica Moss