Mississippi SR-22 & High-Risk Auto Insurance
Mississippi requires 25/50/25 liability coverage and is an at-fault state.
Find Carriers That Accept PointsMississippi 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
Drivers convicted of DUI, caught driving without insurance, or involved in at-fault uninsured accidents typically face SR-22 filing requirements administered by the Mississippi Department of Public Safety. The state uses a point system where accumulating 12 points in 12 months triggers license suspension, and certain violations mandate SR-22 certification for reinstatement.
Liability Insurance
SR-22 Insurance
Non-Standard Auto Insurance
Uninsured Motorist Coverage
Full Coverage
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
Stop Overpaying While Your Points Fade
Find Carriers That Accept PointsCoverage Types
Liability Insurance
Covers injuries and property damage you cause to others in an at-fault accident. Mississippi requires 25/50/25 minimums, but a single serious accident can generate $100,000+ in medical bills, making higher limits essential for asset protection.
SR-22 Insurance
Certificate of financial responsibility filed by your insurer with the Mississippi Department of Public Safety proving you maintain required coverage. Required after DUI, uninsured driving, or certain violations.
Non-Standard Auto Insurance
Specialized coverage for drivers with DUIs, suspensions, or multiple violations who cannot secure standard market policies. Non-standard carriers accept higher-risk profiles but charge significantly elevated premiums.
Uninsured Motorist Coverage
Protects you if struck by a driver without insurance or with insufficient coverage. Covers medical bills, lost wages, and vehicle damage when the at-fault driver cannot pay.
Full Coverage
Combines liability, comprehensive, and collision protection into a complete package. Required by lenders for financed or leased vehicles and recommended for newer cars with significant value.
Collision Coverage
Pays to repair or replace your vehicle after an accident with another car or object, regardless of fault. Subject to deductible chosen at policy purchase.