Updated May 2026
Minimum Coverage Requirements in Mississippi
Mississippi operates as a tort state—the at-fault driver's liability insurance pays for damages. All drivers must carry continuous proof of insurance and file Form SR-22 with the Mississippi Department of Public Safety after license suspension. Non-owner SR-22 meets filing requirements for drivers without a registered vehicle.
How Much Does Car Insurance Cost in Mississippi?
Non-owner SR-22 premiums in Mississippi run 40–60% lower than owner SR-22 because there's no vehicle to insure for physical damage. Total cost over the filing period includes the insurance premium plus a one-time SR-22 filing fee of $25–$50. Most Mississippi non-standard carriers offer non-owner policies.
What Affects Your Rate
- Violation type—DUI suspensions produce premiums 60–80% higher than lapsed-insurance suspensions in Mississippi
- Driving record—each at-fault accident in the past 3 years adds $15–$25/month to non-owner SR-22 premiums
- Age and experience—drivers under 25 pay roughly 40% more for non-owner SR-22 than drivers over 30
- Filing duration—Mississippi DPS assigns 1-year filing for minor violations, 3 years for DUI or multiple offenses
- Credit history—Mississippi allows credit-based insurance scoring; poor credit raises non-owner SR-22 rates by 30–50%
- Coverage limits—increasing from state minimums to 50/100/50 adds $10–$20/month to non-owner premiums
Get insured and start your reinstatement process today
Compare carriers that file SR-22 in your state and work with suspended license drivers.
Get Your Free QuoteCoverage Types
Non-Owner SR-22 Insurance
Liability coverage with SR-22 filing for drivers who don't own a vehicle. Satisfies Mississippi DPS filing requirements at a fraction of owner SR-22 cost.
Liability-Only Coverage
Pays for injuries and property damage you cause to others. The only coverage type required by Mississippi law and the only coverage included in non-owner policies.
Uninsured Motorist Coverage
Covers your medical bills and lost income when an uninsured driver injures you. Optional in Mississippi but available as a non-owner policy endorsement.
Named Non-Owner Policy
Non-owner coverage that follows you regardless of which vehicle you drive. Does not cover vehicles you own, rent long-term, or use regularly for business.
Find Your City in Mississippi
Sources
- Mississippi Department of Public Safety — SR-22 filing requirements and reinstatement procedures
- Mississippi Insurance Department — liability coverage minimums and non-owner policy regulations
- National Association of Insurance Commissioners — Auto Insurance Database Report