Non-Owner SR-22 Suspended
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Non-Owner SR-22 Insurance in Mississippi

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

$100

State license reinstatement fee

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

Bodily Injury Liability

Covers medical bills, lost wages, and pain-and-suffering claims when you injure someone in an at-fault accident. Non-owner policies include this coverage for any vehicle you drive with permission.

Property Damage Liability

Pays for damage to another vehicle or structure when you're at fault. Non-owner SR-22 policies include this coverage at state minimums unless you purchase higher limits.

SR-22 Certificate of Financial Responsibility

Not insurance itself—it's a form your carrier files electronically with Mississippi DPS proving you carry continuous liability coverage. If your policy lapses for any reason, the carrier notifies DPS within 10 days and your license suspends again. Non-owner SR-22 functions identically to owner SR-22 for filing purposes.

Uninsured Motorist Coverage

Covers your medical bills and lost wages when an uninsured driver hits you. Non-owner policies can include uninsured motorist protection as an optional endorsement.

What Drivers Pay in Mississippi

$228–$404/mo

Typical monthly rate in Mississippi, high-risk drivers after a DUI

Rate data: ValuePenguin and Insurify, 2026

What Affects Your Rate

  • Filing duration—Mississippi DPS assigns 1-year filing for minor violations, 3 years for DUI or multiple offenses
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If your license is suspended

Ignition interlock-restricted license (DUI, court-ordered, Miss. Code §63-11-31). A separate DPS Hardship Drivers License is a teen (15-17) school-need permit unrelated to suspensions.

A restricted license is available while suspended.

A coverage lapse is reported

The state can act when your insurance lapses.

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

Frequently Asked Questions

Does non-owner SR-22 insurance cover me when I borrow someone else's car in Mississippi?

Yes. Non-owner SR-22 provides liability coverage when you drive any vehicle you do not own with the owner's permission. It covers rental cars, borrowed vehicles, and employer vehicles for non-business use. It does not cover vehicles registered to you or vehicles you use regularly without owning—those require standard owner SR-22 policies.

How long does Mississippi require SR-22 filing after a DUI?

Mississippi DPS requires 3-year SR-22 filing for DUI convictions, measured from the conviction date, not the filing date. If you let the policy lapse at any point during the 3 years, DPS suspends your license again and restarts the filing clock. The filing period extends automatically with each lapse.

What happens if I buy a car during my non-owner SR-22 filing period in Mississippi?

You must convert to a standard owner SR-22 policy within 30 days of registering the vehicle. Non-owner policies exclude coverage for vehicles you own—if you drive your newly purchased car under a non-owner policy and cause an accident, the carrier denies the claim and cancels your policy, triggering a filing lapse with Mississippi DPS.

Can I get non-owner SR-22 immediately after a suspension in Mississippi?

Yes, if your license is suspended but not revoked. Most Mississippi non-standard carriers issue non-owner SR-22 policies within 24–48 hours and file electronically with DPS the same day. You still must pay reinstatement fees to DPS and satisfy any court-ordered requirements before DPS lifts the suspension—the SR-22 filing alone does not reinstate your license.

Coverage 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

Jackson

urban

Gulfport

suburban

Southaven

suburban

Hattiesburg

suburban

Biloxi

urban

Tupelo

urban

Olive Branch

suburban

Clinton

suburban