In Mississippi, an SR-22 certificate is required to guarantee you meet the minimum insurance requirements of the state after you have committed a significant moving violation.

Although you might hear the phrase "SR-22 insurance," an SR-22 is not an insurance policy. Rather, it’s proof of insurance and financial responsibility.

From

Jerry

, the

car insurance

comparison shopping app, here's what you need to know about SR-22s and finding

cheap car insurance in Mississippi:

What is an SR-22 in Mississippi?

In Mississippi, an SR-22 is a form that is submitted to the state government that confirms you have the necessary minimum coverage required to keep driving. It’s usually needed after you’ve had your license suspended or revoked.

With good driving behavior, you’ll need to maintain an SR-22 for three years.

An SR-22 filing usually becomes necessary after a significant driving issue, such as:

Driving while intoxicated

Driving under the influence

Reckless driving

A hit-and-run accident

Any accident that causes significant property or medical damage

These are

Mississippi's minimum insurance requirements:

$25,000

bodily injury liability

per person

$50,000 bodily injury liability per accident

$25,000

property damage liability

per accident

These are just the minimum requirements — more coverage is recommended to protect you in case of an expensive accident.

Key Takeaway You’ll need to maintain an SR-22 for three years after having your license revoked or suspended in Mississippi.

Who needs an SR-22 in Mississippi?

A driver who has had their license revoked or suspended typically needs an SR-22 in Mississippi. An SR-22 is usually required after a

DUI conviction

, but this can vary on a case-by-case basis.

You’ll usually receive a court or DMV order to file an SR-22, typically within a few days after your conviction. Remember that an SR-22 can be issued alongside a fine or other punishment.

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Open container laws in Mississippi

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How do you get an SR-22 in Mississippi?

You’ll need to inform your insurance company of your license status and then ask them to file an SR-22 form for you.

Before you can request to file, though, you need to pay your license reinstatement fee and finish up any legal processes outstanding from your conviction. For example, you might have to show proof of completing a DWI-awareness program.

There’s typically quite a bit of paperwork involved, and you’ll likely have to pay a small filing fee.

It’s possible that your insurer simply won’t cover your SR-22. If you’re a repeat offender or have a bad driving record, the company might deem you too much of a financial risk. They also might set your premiums sky high.

Key Takeaway Your insurance provider will file an SR-22 for you in Mississippi, but you might have to shop around for an affordable policy.

How much does an SR-22 cost in Mississippi?

It typically costs somewhere around $25 to file an SR-22.

Unfortunately, an SR-22 certificate will significantly impact your insurance rates. After a serious violation, you can also expect to lose any good drivers discounts you may have picked up.

You should also factor in that an SR-22 is the result of a conviction, so you’ll likely have fines and court fees to pay.

The bottom line is that filing an SR-22 is an expensive process. Your best bet is to consider all of your options, pay any fines, and then use the Jerry app to shop around for an affordable car insurance plan.

MORE:

What is a clean driving record?

How does an SR-22 impact your insurance in Mississippi?

You can expect to see your insurance premiums increase. On average, premiums rise by around $45, but your rates ultimately depend on the severity of the incident and your previous insurance package.

Also, note that some companies might not be verified to hand out an SR-22 at all, so you’ll be shopping around with a smaller pool of providers, which will likely lead to higher prices.

There is some good news, though! If you maintain a clean driving record for more than three years, your SR-22 will be removed and you might see your premiums fall.

MORE:

Seat-belt laws in Mississippi

How to find cheap car insurance

An SR-22 doesn't look good for your bank account or driving record. But they’re not the end of the world. That’s right, you can still find a good car insurance package at a price that suits you. To find the best deal, try

Jerry

As a

licensed broker

, Jerry does all the hard work of finding the cheapest quotes from the top name-brand insurance companies and buying new car insurance. Jerry will even cancel your old policy for you.

And to ensure you always have the lowest rate, Jerry will send you new quotes every time your policy comes up for renewal, so you’re always getting the coverage you want at the best price. This level of service is why Jerry earned a 4.6/5 rating on the App Store and made it the top insurance app in the country.

"These guys are pretty awesome. I hate searching for car insurance cause it’s time-consuming looking for the cheapest one.
Jerry
did all of that for me in a few minutes. Tell them what coverage you’re looking for and they present you with multiple options to choose from. They do all the work so you don’t have to. What else could you ask for?"—Satisfied Jerry customer

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