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SR-22 Insurance in Mississippi: Cost, Filing and How Long
SR-22 in Mississippi: the short answer
An SR-22 in Mississippi is a certificate your insurance company files with the state to prove you carry the required liability insurance. Mississippi regulation (Miss. Admin. Code Rule 31-1-16.1) requires proof of financial responsibility, such as SR-22 insurance, to be kept in effect for not less than 3 years for DUI and implied-consent license reinstatements. The state does not charge a filing fee for the SR-22 itself; your insurer files it and may charge its own filing fee, which the insurer sets. What you will pay the state is the license reinstatement fee: $100 for most suspensions and $175 for DUI or drug related reinstatements, by certified check or money order only.
What it costs
| Item | Amount | Who charges it |
|---|---|---|
| SR-22 filing fee | set by your insurer; varies by company | Your insurance company |
| License reinstatement, most suspensions | $100 | MS Dept. of Public Safety |
| License reinstatement, DUI | $175 | MS Dept. of Public Safety |
| License reinstatement, drug offense | $175 | MS Dept. of Public Safety |
| Minimum liability policy | varies by driver; SR-22 marks you high risk, so premiums are higher | Your insurance company |
Minimum liability limits in Mississippi: $25,000 bodily injury per person, $50,000 bodily injury per accident, $25,000 property damage (25/50/25).
How to file, step by step
- Buy or update a liability policy at 25/50/25 or higher with an insurer licensed in Mississippi. Tell them you need an SR-22; not every company files them.
- The insurer files the SR-22 certificate with the state. You cannot file it yourself.
- Pay the DPS reinstatement fee ($100 or $175) 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; if the policy is canceled early, the state can suspend your license again.
FAQ
How long do I need an SR-22 in Mississippi?
Not less than 3 years for implied-consent and DUI reinstatements, per state regulation.
Do I need a car to file an SR-22?
No. Some insurers offer non-owner SR-22 policies for drivers without a vehicle (see our non-owner SR-22 Mississippi page).
Why does Mississippi matter for uninsured drivers?
Mississippi has the highest uninsured driver rate in the country: 28.2% of drivers in 2023, per the Insurance Research Council.