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Non-Owner SR-22 in Mississippi: Coverage Without a Car
The short answer
You do not need to own a car to meet Mississippi's SR-22 requirement. A non-owner SR-22 policy is a liability policy for drivers who do not have a vehicle; the insurer files the SR-22 certificate with the state the same way it would for an owner policy. Mississippi's regulation requires proof of financial responsibility, such as SR-22 insurance, for at least 3 years for DUI and implied-consent reinstatements; a non-owner policy can carry the SR-22. A non-owner policy covers injuries and property damage you cause while driving a car you do not own.
Who it is for
- Your license was suspended and you sold the car or never had one.
- You need your license back for work and plan to borrow or rent cars.
- You want your license back now instead of waiting until you buy a car.
What non-owner policies commonly include and exclude
| Commonly included | Commonly excluded |
|---|---|
| Liability at 25/50/25 or higher when you drive a borrowed or rented car | Damage to the car you are driving |
| The SR-22 filing with the state | Cars owned by you or regularly available in your household |
Coverage depends on the policy you buy. Read the policy or ask the insurer before relying on it.
Steps
- Ask insurers licensed in Mississippi whether they offer a non-owner policy with an SR-22 filing; not every insurer does.
- The insurer files the SR-22; pay the DPS reinstatement fee ($100 standard, $175 DUI, by certified check or money order).
- Keep the policy active for the full 3 years. Before you cancel, confirm with DPS that your requirement has ended.
FAQ
Can I drive my roommate's car every day on it?
Non-owner policies commonly exclude cars you use regularly or that are in your household. Ask the insurer how its policy treats that car.
Does Mississippi charge for the SR-22 itself?
No. The state charges reinstatement fees. Your insurer may charge its own filing fee; the amount is set by the insurer, not the state, and we do not publish it.