Minimum Coverage Requirements in Mississippi
Mississippi requires minimum liability coverage of 25/50/25: $25,000 per person for bodily injury, $50,000 per accident, and $25,000 for property damage. The Mississippi Department of Public Safety typically requires SR-22 filing for DUI convictions, at-fault accidents without insurance, repeat traffic violations, and license suspensions. Most SR-22 requirements last 3 years from the violation date or reinstatement date. Once your requirement ends, you must obtain confirmation from the Department of Public Safety that your filing obligation is complete before standard carriers will offer standard rates.
How Much Does Car Insurance Cost in Mississippi?
Post-SR22 drivers in Mississippi typically pay elevated premiums in the first 12 months after their requirement ends, but rates drop steadily as the violation ages. Year one after SR-22: expect 15–30% reduction from your SR-22 rates. Year three: rates approach clean-record levels if no new violations occur. Shopping immediately after your requirement ends—rather than waiting for your current insurer to adjust rates—accelerates savings.
What Affects Your Rate
- Time since SR-22 requirement ended—rates drop 15–30% in year one, stabilize by year three
- Type of violation that triggered SR-22—DUI surcharges last longer than license suspension surcharges
- Whether you remained with your SR-22 insurer or shopped for new coverage—switching typically saves 10–25%
- Mississippi Department of Public Safety confirmation that your filing obligation is complete
- New violations during or after the SR-22 period—any additional incident extends the recovery timeline significantly
- Credit score in Mississippi—insurers use credit-based insurance scores heavily in post-SR22 underwriting
Your SR-22 period is ending — you can access standard rates again
Most drivers see significant savings when they transition off SR-22. Compare current rates now.
Get Your Free QuoteCoverage Types
Liability Insurance
Covers injuries and property damage you cause to others. Mississippi minimums are 25/50/25, but post-SR22 drivers should consider 100/300/100 to avoid personal liability and signal lower risk to underwriters.
Full Coverage
Liability plus comprehensive and collision for your vehicle. Required by lenders and recommended for vehicles worth more than $5,000.
Uninsured Motorist Coverage
Protects you if hit by an uninsured or underinsured driver. Mississippi requires insurers to offer this at your liability limits unless you reject it in writing.
Comprehensive Coverage
Covers non-collision damage to your vehicle: theft, vandalism, weather, falling objects, and animal strikes. Required by lenders if vehicle is financed.
SR-22 Insurance
Certificate proving continuous liability coverage filed with the state. Not a separate policy. Typically required for 3 years in Mississippi after DUI, uninsured accident, or license suspension.
Non-Standard Auto Insurance
Policies designed for high-risk drivers during and immediately after SR-22 requirements. Rates are higher but decrease as violations age and no new incidents occur.
