Cheapest SR-22 insurance in Mississippi

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In Mississippi, the cheapest SR-22 insurance options are offered by Nationwide at $1,152 per year and Travelers at $1,432 per year. The cost of SR-22 insurance depends on your location, driving history, and insurance provider.

An SR-22 isn’t a type of insurance. It’s a certificate of financial responsibility 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. If you’ve been ordered to file an SR-22, you might be worried about the impact on your car insurance costs.

Unfortunately, having an SR-22 on your record usually leads to higher premiums, and some carriers won’t cover such drivers, so finding affordable options is essential.

Whether you’re looking for a budget-friendly policy or just trying to learn more about SR-22s, 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 is a Certificate of Financial Responsibility (CFR) that proves you’ve bought the minimum liability auto insurance your state requires. If you’re considered a high-risk driver due to traffic violations, a DUI/DWI, or other reasons, your state or a court may require you to obtain an SR-22-a certificate filed by your insurance company that proves you carry the minimum required auto insurance coverage.

While it’s not a type of insurance, filing an SR-22 is often mandatory after serious offenses and it can lead to higher insurance premiums due to your increased risk profile.

Key Takeaways

The average cost of SR-22 car insurance in Mississippi is $1,502.
Nationwide offers the most affordable SR-22 insurance policies in Mississippi at $1,152 per year.
An SR-22 isn’t a separate insurance policy; it’s a form your insurer files to the state DMV on your behalf to confirm 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 violations
Reckless driving
Accidents resulting in suspension or revocation
Accumulation of too many driving violation points
Driving without insurance

If 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 Mississippi

The average cost of SR-22 car insurance in Mississippi is $1,502.

This is $487 higher than in New Hampshire, which has the cheapest SR-22 insurance.

However, it’s also $2,539 less expensive than in Michigan, the most expensive state for SR-22 insurance.

The cost of SR-22 insurance depends on several factors, such as why you need the SR-22, your driving history, and where you live.

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Cheapest SR-22 insurance companies in Mississippi

Having an SR-22 usually raises your insurance rates, but not all companies charge the same rates. The companies below offer some of the cheapest rates in Mississippi.

Company	Average annual premium	Average monthly premium
Nationwide	$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

*USAA is only available to military community members and their families.

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Cheap SR-22 insurance in Mississippi by city

As 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.

City	Average annual premium
Ecru	$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 Mississippi

The 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 accident

These 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 charge different premiums for drivers with a DUI.

Note: In the table below, “filing only” means the cost of a policy that includes the SR-22 filing fee but doesn’t take into account why you need the SR-22.

Company	SR-22 with 1 DUI	SR-22 Filing only
State 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

*USAA is only available to military community members and their families.

How to get the cheapest SR-22 insurance in Mississippi

If you have an SR-22 in Mississippi, you might think you are doomed to pay inflated insurance rates. But just because you need an SR-22 doesn’t mean you’ll end up paying the highest rates.

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 might even specialize in high-risk drivers and be able to 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: If possible, 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 want 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 Mississippi

Another term that’s sometimes used when talking about SR-22 is “non-owner SR-22 insurance.” This usually refers to liability insurance for people who don’t own a car but need to reinstate their license after it is suspended or revoked. This is often a requirement after a DUI, DWI, or several moving violations.

Non-owner insurance provides secondary coverage when driving cars you don’t own, such as a vehicle you borrow or rent.

If you find yourself regularly driving a borrowed or rented vehicle, you should probably apply for a non-owner insurance policy. These policies have certain benefits, like costing less than traditional insurance.

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 on your record, the state will require you to prove that 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 who has experience with traffic laws.

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 Mississippi

Mississippi’s average SR-22 insurance rate is $1,502, compared to the overall average car insurance cost in Mississippi, which is $1,405. That means Mississippi’s SR-22 rate is $97 more per year.

But remember that there are a lot of factors that can affect 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 Methodology

Sources:

Shouse Law Group. “SR22 Mississippi.” Accessed January 2026.
Progressive Insurance. “What is an SR-22?” Accessed January 2026.

Methodology

Insure.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.

Bob Haegele

Contributing 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.