Home Car insurance SR-22 insurance: What is it and how does it work? Cheapest SR-22 insurance in Mississippi Cheapest SR-22 insurance in Mississippi The cheapest SR-22 insurance policies in Mississippi are offered by Nationwide, at $1,152 a year, and Travelers, at $1,432 a year. View Carriers Please enter valid zip Compare top carriers in your area Written by Bob Haegele Bob Haegele Bob Haegele is a personal finance writer. He covers car insurance, health insurance and life insurance. While working in the corporate world he started a personal finance blog. He later left his corporate job and began freelance writing full-time. Since then, he has made it his mission to help people master their money. His work has been featured in Business Insider, Forbes Advisor, Bankrate, FinanceBuzz and others. | Reviewed by John McCormick John McCormick John McCormick is an insurance expert and the editorial director for QuinStreet's insurance sites -- CarInsurance.com, Insurance.com and Insure.com. Before joining QuinStreet, he was a deputy editor at The Wall Street Journal and was an editor and reporter at several media outlets where he covered insurance, personal finance and technology. | Expert insight from Sebastian Hov Sebastian Hov CEO, 18 Insurance.Go to comment | Updated on: June 19, 2025 Why you can trust Insure.com Quality Verified At Insure.com, we are committed to providing the timely, accurate and expert information consumers need to make smart insurance decisions. All our content is written and reviewed by industry professionals and insurance experts. Our team carefully vets our rate data to ensure we only provide reliable and up-to-date insurance pricing. We follow the highest editorial standards. Our content is based solely on objective research and data gathering. We maintain strict editorial independence to ensure unbiased coverage of the insurance industry. If you’ve been asked to file an SR-22, you might be worried about the impact on your car insurance costs. An SR-22 isn’t a type of insurance but rather a certificate that proves you meet your state’s minimum car insurance requirements.It’s often required after serious driving violations, such as a DUI, reckless driving or driving without insurance. Unfortunately, having an SR-22 on your record typically leads to higher premiums, making finding the most affordable options essential. The cost of SR-22 insurance can vary significantly depending on your location, driving history, and insurance provider. To help you save money, we’ve researched the cheapest SR-22 insurance options in every state.In Mississippi, Nationwide offers the most affordable SR-22 insurance policies at $1,152 per year and Travelers at $1,432 per year.Whether you’re looking for a budget-friendly policy or just trying to navigate this complex process, this guide has the information you need to get back on the road without breaking the bank.What is an SR-22?An SR-22 certificate of financial responsibility proves you have the minimum liability insurance coverage your state requires. If you’re considered a high-risk driver because of traffic violations, a DUI/DWI conviction, or other reasons, your state or a court might require you to get an SR-22. This is a certificate your insurance company files on your behalf with your state Department of Motor Vehicle (DMV).An SR-22 isn’t a type of insurance, but it’s often required after serious offenses. Having an SR-22 can make your insurance more expensive, and not all insurers will cover you because you’re considered a high-risk driver.Key TakeawaysSR-22 car insurance in Mississippi costs $1,502, on average.Nationwide offers the cheapest SR-22 insurance policies in Mississippi at $1,152 per year.SR-22 insurance isn’t a separate policy, but a form your insurance company files to with the state DMV to prove you have the required minimum coverage.Do I need to buy SR-22 insurance in Mississippi?As mentioned earlier, an SR-22 isn’t an insurance policy; it’s a form your insurance company files with your state’s DMV. This form informs the state that you still carry the minimum required insurance despite certain driving offenses on your record. The filing fee is generally inexpensive, though insurance with an SR-22 can be costly.Examples of offenses that might require an SR-22:DUI, DWI or other serious moving violationsReckless drivingAccidents resulting in suspension or revocationAccumulation of too many driving violation pointsDriving without insuranceIf you have any of these offenses on your record, you may need an SR-22. Once you buy an insurance plan that meets your state’s requirements, request your insurer to file the SR-22 form with the DMV.You usually need to keep an SR-22 for at least three years. Failing to do so could lead to a license suspension.Average SR-22 car insurance cost in MississippiThe average SR-22 car insurance cost in Mississippi is $1,502. Mississippi’s rate is $487 more expensive than SR-22 insurance in the New Hampshire, the cheapest state. However, it’s also $2,539 less than in Michigan, the most expensive state for SR-22 insurance. However, there are a lot of factors that might affect the cost of SR-22 insurance, such as the reason for the SR-22, your driving history, and the city in which you live.Cheapest SR-22 insurance companies in MississippiInsurance rates usually increase if you have an SR-22. But not all insurance companies have the same rates for people with an SR-22. The companies listed below have some of the lowest rates available in Mississippi.CompanyAverage annual premiumAverage monthly premiumNationwide$1,152 $96 Travelers$1,432 $119 GEICO$1,434 $120 State Farm$1,586 $132 Progressive$1,771 $148 Allstate$2,174 $181 USAA*$965 $80 Note: USAA is only available to military community members and their families. You might find interesting The best, cheapest car insurance in MississippiMississippi car insurance calculatorNon-owner car insurance in Mississippi: Which company has the cheapest rates?Best and cheapest companies for home and auto bundles in Mississippi Cheap SR-22 insurance in Mississippi by cityAs mentioned before, where you live can significantly impact the cost of insurance with an SR-22. Below, you’ll find the cheapest SR-22 insurance rates in major cities across Mississippi.CityAverage annual premiumEcru$973 Columbus$1,073 Olive Branch$1,079 Moss Point$1,143 Carthage$1,151 Gulfport$1,174 Calhoun City$1,192 Clinton$1,195 Natchez$1,365 SR-22 insurance requirements in MississippiThe Mississippi DMV requires all drivers to meet the following minimum requirements for car insurance coverage:$25,000 for injury/death per person$50,000 for injury/death per accident$25,000 for damage to property per accidentThese are just the minimum requirements. Experts advise drivers to get more than the minimum insurance. It may lead to a higher premium, but the extra coverage could be well worth it.How much does SR-22 in Mississippi cost with a DUI?Insurance companies differ in the premiums they charge for drivers with a DUI.Note: In the table below, “filing only” refers to the cost of a policy, including the SR-22 filing fee, without factoring in the reason you need the SR-22.CompanySR-22 with 1 DUISR-22 Filing onlyState Farm$1,716 $1,586 Nationwide$2,063 $1,152 Travelers$2,149 $1,432 Progressive$2,314 $1,771 Allstate$2,783 $2,174 GEICO$4,432 $1,434 USAA*$1,842 $965 Note: USAA is only available to military community members and their families. How to get the cheapest SR-22 insurance in MississippiYou may face sky-high insurance premiums if you need an SR-22 in Mississippi. However, there are ways to save on car insurance whether or not you require an SR-22.First, shopping around is always a good idea. There can be an enormous difference in the rates you will get from different insurance companies. Some companies specialize in high-risk drivers and offer you better SR-22 rates.Another way to get the cheapest insurance with an SR-22 is to improve your driving record. Sure, that might be easier said than done, but it can be worth putting in the time if you want a better rate. You can get a quick win by taking a defensive driving course. Ask your insurer if they offer any of these courses and if they can help you qualify for a discount.You can also ask about safe driving programs. These usage-based programs track your driving habits and may reward you with lower premiums for safe driving.There are a few ways someone required to get SR-22 insurance can find the most affordable policy while still meeting all the legal requirements.Sebastian Hov, CEO of 18 Insurance, an insurance agency based in Sacramento, Mississippi, recommends the following:Shopping around: Different insurance companies offer varying rates for SR-22 insurance. It’s crucial to compare quotes from multiple providers to find the best option.Pay upfront: Paying your premium in full rather than in monthly installments can sometimes result in lower overall costs.Opt for non-owner insurance: If you don’t own a vehicle but need to maintain SR-22 coverage, non-owner car insurance can be a cost-effective option as it is typically 5% to 15% cheaper than a standard policy. Keep reading for more information on non-owner insurance options.Non-owner SR-22 insurance in MississippiSome states might require you to get an SR-22 even if you don’t own a car. This proves you have the minimum liability insurance your state requires, which is often needed to get your driver’s license back after a suspension or revocation for violations like a DUI or multiple traffic offenses.Non-owner insurance policies are for people who don’t own a car but still drive and need to meet SR-22 requirements or maintain coverage. This type of insurance provides liability protection when driving someone else’s car and helps you meet state requirements to get your license back after violations like a DUI or multiple traffic offenses.It’s generally a cheaper option than a standard car insurance policy since it only covers liability. Read more about how non-owners car insurance works in Mississippi Who needs SR-22 insurance?Remember that an SR-22 is not a separate insurance policy. Instead, it’s a certificate that shows your state’s DMV that you have at least the minimum insurance coverage required.For instance, if you have a DUI, the state will require you to prove you have enough insurance to be financially responsible.Keep in mind that not all driving offenses require an SR-22. You will be notified if you require an SR-22. If you aren’t sure if you need one, ask your local DMV or an attorney with traffic law experience.How long do you need SR-22 insurance in Mississippi?You usually need to keep an SR-22 for three years.During this time, you must have continuous insurance coverage with no lapses. If your policy gets canceled or lapses, your insurer has to inform the state, which could lead to penalties or a suspended license.The bottom line on SR-22 in MississippiThe average SR-22 insurance rate in Mississippi is $1,502, while the average cost of car insurance in Mississippi is $1,405. This means SR-22 insurance in Mississippi costs $97 more per year.Keep in mind that there are numerous factors that affect the auto insurance premiums.What our expert says Q: How can you save on SR-22 insurance? Sebastian HovCEO, 18 Insurance. “Shop around: Different insurance companies offer varying rates for SR-22 insurance. It’s crucial to compare quotes from multiple providers to find the best option.” Resources and MethodologySources:Shouse Law Group. “SR22 Mississippi.” Accessed June 2025.Progressive Insurance. “What is an SR-22?” Accessed June 2025.MethodologyInsure.com gathered rates from Quadrant Information Services for all states, including Washington, D.C. The rates are based on a sample driving profile of a 40-year-old male and female who drives a Honda Accord LX and opts for a full-coverage policy with coverage limits of 100/300/100 and a $500 comprehensive and collision deductible across most ZIP codes. We analyzed 5,000,736 insurance quotes from 27 companies. Compare SR-22 insurance rates with other statesAlabama$1,702/YearAlaska$1,419/YearArizona$1,916/YearArkansas$1,618/YearCalifornia$2,238/YearColorado$2,177/YearConnecticut$1,654/YearFlorida$3,288/YearGeorgia$1,795/YearHawaii$1,523/YearIdaho$1,115/YearIllinois$1,380/YearIndiana$1,418/YearIowa$1,363/YearKansas$1,581/YearLouisiana$3,390/YearMaine$1,141/YearMaryland$2,020/YearMassachusetts$1,900/YearMichigan$4,041/YearMissouri$2,504/YearMontana$1,966/YearNebraska$2,001/YearNevada$2,632/YearNew Hampshire$1,015/YearNew Jersey$2,370/YearNorth Dakota$1,315/YearOhio$1,240/YearOregon$1,653/YearRhode Island$1,887/YearSouth Carolina$1,998/YearSouth Dakota$1,681/YearTennessee$1,458/YearTexas$2,113/YearUtah$1,816/YearVermont$1,140/YearVirginia$1,343/YearWashington$1,473/YearWashington, D.C.$2,065/YearWest Virginia$1,520/YearWisconsin$1,738/YearWyoming$1,808/YearShow moreBob HaegeleContributing Researcher | . .Bob Haegele is a personal finance writer. He covers car insurance, health insurance and life insurance. While working in the corporate world he started a personal finance blog. He later left his corporate job and began freelance writing full-time. Since then, he has made it his mission to help people master their money. His work has been featured in Business Insider, Forbes Advisor, Bankrate, FinanceBuzz and others. In case you missed it Best Car Insurance Companies of 2025 The most and least expensive states for car insurance in 2025 What is full coverage car insurance? How much does car insurance cost for seniors in 2025? A complete guide to adding a teenager to your car insurance policy in 2025 What to do after a car accident that’s not your fault Total warfare: What to do when your auto insurer totals your car Car insurance claims: Who gets the claims check? 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Part 1: How insurance companies spot bogus claims Insurance options for rideshare drivers 10 things that are illegal but shouldn’t be 1/1 On this page What is an SR-22?Do I need to buy SR-22 insurance in Mississippi?Average SR-22 car insurance cost in MississippiCheapest SR-22 insurance companies in MississippiCheap SR-22 insurance in Mississippi by citySR-22 insurance requirements in MississippiHow much does SR-22 in Mississippi cost with a DUI?How to get the cheapest SR-22 insurance in MississippiNon-owner SR-22 insurance in MississippiWho needs SR-22 insurance?How long do you need SR-22 insurance in Mississippi?The bottom line on SR-22 in MississippiWhat our expert saysResources and Methodology ZIP Code Please enter valid ZIP See rates (844)-645-3330