Car Insurance With Points
Get a Quote

Mississippi SR-22 & Points Insurance After Violations

Mississippi requires SR-22 filing for DUI convictions, suspensions, and uninsured accidents—typically for 3 years. Most point violations from speeding or at-fault accidents don't trigger SR-22, but rates still increase $60–$140/mo depending on violation severity and carrier response.

Mississippi cityscape and street view

Updated April 2026

Minimum Coverage Requirements in Mississippi

Mississippi requires minimum liability coverage of 25/50/25: $25,000 bodily injury per person, $50,000 per accident, and $25,000 property damage. SR-22 filing is required for DUI convictions, license suspensions for violations, uninsured accidents, and repeat offenses—typically lasting 3 years. Most speeding tickets and point violations do not trigger SR-22 requirements, but carriers will still raise rates based on your driving record. Drivers with points from violations need to understand both the state's point system and how long rate increases persist.

How Much Does Car Insurance Cost in Mississippi?

Mississippi insurance rates for drivers with violations depend on offense type, points accumulated, and carrier pricing models. A single speeding ticket typically raises rates $30–$70/mo, while an at-fault accident increases premiums $80–$140/mo. DUI convictions trigger the largest increases—$150–$280/mo—and require SR-22 filing. Rates begin to decrease as violations age beyond 3 years, with most points dropping off the Mississippi driving record after 36 months.

Minimum Liability Only
State-required 25/50/25 limits for drivers with points or violations. Lowest legal coverage but insufficient for most accidents and leaves you exposed to personal liability.
Standard Liability (50/100/50)
Higher liability limits recommended for drivers with existing violations. Provides better protection in future accidents and reduces risk of out-of-pocket exposure if you're at fault again.
Full Coverage
Liability plus collision and comprehensive for financed or high-value vehicles. Collision premiums reflect the highest rate increase after violations since carriers price for claim likelihood. Expect upper end of range with DUI or multiple violations.

What Affects Your Rate

  • Violation type: DUI, reckless driving, and at-fault accidents trigger larger increases than speeding tickets
  • Points accumulated: Mississippi suspends licenses at 12 points in 24 months; higher point totals mean higher premiums
  • SR-22 filing status: Required after DUI or suspension, adding $150–$280/mo to base premiums
  • Time since violation: Rates decrease as violations age past 3 years and drop off the driving record
  • Carrier appetite: Non-standard insurers like The General and Direct Auto may offer lower rates than standard carriers for identical violations
  • Coverage level: Full coverage with violations costs 60–80% more than liability-only due to collision and comprehensive risk pricing

Compare Auto Insurance Rates in Mississippi

Find Your City in Mississippi

Jackson, Mississippi cityscape and street view

Jackson

urban
Gulfport, Mississippi cityscape and street view

Gulfport

suburban
Wooden dock extending into lake at sunset with people fishing, mountains in background, warm golden light

Southaven

suburban
Hattiesburg, Mississippi cityscape and street view

Hattiesburg

suburban
Sunset over ocean viewed through beach grass with dramatic cloudy sky and golden light on horizon

Biloxi

urban
Tupelo, Mississippi cityscape and street view

Tupelo

urban
Weathered wooden fence with horizontal rails surrounded by overgrown grass and green vegetation

Olive Branch

suburban
Wooden boardwalk trail through green forest with sunlight filtering through tree canopy

Clinton

suburban

Sources

  • Mississippi Department of Public Safety - Driver Services
  • Mississippi Insurance Department - Consumer Resources
  • Insurance Institute for Highway Safety (IIHS) - State Laws

Get Your Free Quote in Mississippi