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Mississippi SR-22 & Points Insurance After Violations

Mississippi requires 25/50/25 liability coverage and is an at-fault state.

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Mississippi at a Glance

25/50/25

Minimum liability limits, in thousands of dollars (per person / per accident / property)

At-fault

The at-fault driver's insurance pays for the damage they cause

Optional

PIP and uninsured motorist coverage are not required by law

No

A defensive driving course does not remove points here

Source: state DMV, insurance department and statute records, verified July 2026

Minimum Coverage Requirements in Mississippi

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.

Liability Insurance

Mississippi's 25/50/25 minimums are among the lowest in the nation and insufficient for most accidents. Drivers with violations or at-fault accidents already on record face higher financial exposure in future claims and should consider 50/100/50 or 100/300/100 limits to protect assets and reduce risk of license suspension after a judgment.

Full Coverage

Full coverage combines liability, collision, and comprehensive insurance. If you're financing a vehicle or have substantial equity, lenders require this package—and it protects you from total loss after an accident or theft. Drivers with points or violations see the highest rate increases in collision coverage, since carriers view them as more likely to file claims.

SR-22 Insurance

SR-22 is a certificate of financial responsibility filed by your insurer with the Mississippi Department of Public Safety, not a separate insurance policy. It verifies you carry at least 25/50/25 liability coverage and is required after DUI, suspension, or uninsured accidents. Not all carriers offer SR-22 in Mississippi—non-standard insurers like The General, Direct Auto, and Acceptance typically serve this market.

Uninsured Motorist Coverage

Drivers with existing violations should prioritize UM coverage since their rates are already elevated and one uninsured accident could trigger SR-22 filing if deemed uninsured themselves at the time of loss.

Non-Standard Auto Insurance

Non-standard carriers specialize in insuring drivers with violations, suspensions, DUIs, and SR-22 requirements. These insurers accept risk that standard carriers decline but charge higher premiums to offset claim likelihood.

What Drivers Pay in Mississippi

$252–$256/mo

Typical monthly rate in Mississippi, drivers after a speeding ticket

Rate data: ValuePenguin and CarInsurance.com, 2026

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
  • 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
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Coverage Types

Liability Insurance

Covers injuries and property damage you cause to others in an at-fault accident. Mississippi's 25/50/25 minimums are low—serious accidents often exceed these limits, leaving you liable for the remainder.

Full Coverage

Combines liability, collision, and comprehensive coverage. Protects your vehicle and finances after accidents, theft, weather, or vandalism—required by lenders if you finance or lease.

SR-22 Insurance

A certificate filed by your insurer proving you carry minimum liability coverage, required after DUI, suspension, or uninsured accidents. The filing itself costs $15–$35, but premiums rise due to the underlying violation.

Uninsured Motorist Coverage

Covers your injuries and vehicle damage if you're hit by a driver with no insurance or insufficient coverage. Mississippi doesn't require UM coverage, but roughly 23% of state drivers are uninsured.

Non-Standard Auto Insurance

Policies designed for drivers with violations, suspensions, DUIs, or SR-22 requirements. Non-standard carriers accept higher-risk profiles but charge elevated premiums to offset claim likelihood.

Collision Coverage

Pays to repair or replace your vehicle after an accident, regardless of fault. Required by lenders if you finance or lease, but optional if you own your car outright.

Find Your City in Mississippi

Jackson

urban

Gulfport

suburban

Southaven

suburban

Hattiesburg

suburban

Biloxi

urban

Tupelo

urban

Olive Branch

suburban

Clinton

suburban