Car Insurance with an SR-22 in Mississippi

The Zebra
Nov. 16, 2018

If you're required by law to get an SR-22 in Mississippi, you're not alone. This relatively common insurance requirement is prompted by driving violation such as a DUI, a citation for driving without insurance, an accident with substantial property damage, a citation for driving with a suspended license, or accruing too many points on your license.

Finding cheap insurance with an SR-22 in Mississippi might take some research, but it's worth the trouble. The Zebra examined how much a Mississippi SR-22 usually costs and how to get one — let's dive into the details.

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How much does a Mississippi SR-22 cost?

SR-22 insurance in Mississippi is often costly. This isn’t due to the cost of obtaining an SR-22 certificate — filing fees are $15 to $35 — but a product of the insurance cost increases from the violation that prompted the SR-22.

Car insurance companies bill risky drivers higher rates to account for the increased likelihood of having to pay out a claim after an accident. The rate increase you’ll face will depend on the number and severity of your infractions — listed below are average auto insurance rates with an SR-22 certificate in Mississippi.

High-risk rating factorAverage yearly rateIncrease vs. no citations
No violations$1,800.05
At-fault collision (>$2,000)$2,263.00$462.95
Speeding (21-25 mph > limit)$2,206.42$406.37
Reckless driving$2,614.22$814.17
Hit and run$2,158.25$358.20

If you are looking for affordable car insurance with a SR-22, The Zebra is here to help. Submit your ZIP below to receive personalized auto policy quotes from top companies.

How to obtain an SR-22 in Mississippi

Already insured:

If you currently have auto insurance, getting an SR-22 certificate is straightforward. Contact your insurance company request they file a SR-22 request on your behalf. If your insurance company refuses to file a request, you should look for a new auto insurance company.


When applying for auto insurance, you might need to pay extra for the prospective insurer to file an SR-22 request form and to cover your more risky driving profile. An SR-22 requirement may disqualify you from buying insurance from some companies, while others would be happy to cover you.

For drivers who don’t own a vehicle:

If you don't own a vehicle, it could be more difficult to obtain an SR-22, as you will need to furnish proof of insurance to receive the certificate. If you don't own a car, you should get a non-owners car insurance policy before filing for an SR-22. Non-owners auto insurance can be less expensive than a traditional policy since it doesn't cover physical damages to your vehicle.


From September to December 2017, we conducted auto insurance rate analysis using its proprietary quote engine, comprising data from rating platforms and public rate filings. The Zebra assessed nearly 53 million premiums to examine trends for specific auto insurance rating factors across all U.S. ZIP codes, averaged by state, including Washington, D.C.

Learn more about SR-22 certificate requirements and how they impact car insurance rates.