Car Insurance with an SR-22 in Mississippi

If you need an SR-22 to acquire auto insurance in Mississippi, you're not alone. This relatively common insurance requirement is triggered by a driving citation such as a DUI/DWI, a citation for driving without insurance, an at-fault collision, a citation for driving with a suspended license, or piling up excessive points on your license.

Finding cheap car insurance with a SR-22 in Mississippi might not be easy, but it might be worthwhile. We analyzed how much a SR-22 is estimated to cost in Mississippi and how to go about getting one — let’s dive in.

How much does Mississippi SR-22 insurance cost?

SR-22 insurance in Mississippi is usually expensive. This isn't because of the SR-22 itself — typical filing fees run just $15 to $35 — but a product of the insurance rate increases triggered by the driving citation that made the SR-22 necessary.

Car insurance companies charge higher-risk clients more expensive rates on account of the increased risk of having to pay out a claim after an accident. The rate increase you will face will depend on the severity and number of the violations — below are standard auto insurance prices for drivers with SR-22s in Mississippi.

High-risk rating factorAverage annual rateIncrease vs. no citations
No violations$1,587
At-fault collision (>$2,000)$2,406$819
Speeding (21-25 mph > limit)$2,071$484
Reckless driving$2,500$913

If you'd like to find reasonably priced car insurance with a SR-22 certificate, we are here to help. Enter your ZIP code below to get personalized auto insurance quotes from popular insurers.

How to easily get an SR-22 in Mississippi

If you have car insurance

With an active insurance policy, getting an SR-22 certificate is straightforward. Contact your auto insurance company ask the company to file a SR-22 request on your behalf. If your current insurance company won't file an SR-22 request, you’ll need to shop for a new policy with a new insurance company.

For uninsured drivers

When applying for auto insurance, you'll need to pay a fee to cover the SR-22 request and to account for your less-than-optimal insurance profile. Needing an SR-22 certification may disqualify you from buying insurance from some carriers, while others would be happy to sell you a policy.

Without a vehicle

Needing an SR-22 might disqualify you from purchasing insurance from some companies, while others would be happy to sell you a policy.

For drivers without a vehicle

Not owning a vehicle makes it more difficult to obtain an SR-22, as you must provide proof of insurance to receive the certificate. If you don't own a vehicle, you should apply for a non-owners auto insurance policy before pursuing an SR-22. Non-owners car insurance is usually cheaper than a traditional policy since it doesn't insure against physical damage to your car.


we performed auto insurance rate analysis using our proprietary quote engine, incorporating data from insurance rating platforms and public rate filings. The Zebra examined nearly 53 million rates to identify trends related to specific car insurance pricing factors across all United States ZIP codes, averaged by state, including Washington, D.C.

Learn more about SR-22 certificate requirements and their impact on auto insurance rates.

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Renata BalascoAssociate Content Strategist

Renata is a licensed insurance professional and content strategist responsible for creating home and auto insurance guides for The Zebra.

Renata's background in technical writing and her experience working in the insurance industry informs her work. She holds a bachelor’s degree in communications.

Renata's work has been cited by Car and Driver