SR-22 After DUI
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Mississippi DUI SR-22 Insurance After Conviction

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 under a tort liability system, meaning the at-fault driver's insurance pays for damages. The Mississippi Department of Public Safety requires continuous SR-22 filing for DUI convictions, with the 3-year filing period beginning on your conviction date, not your reinstatement date. Any lapse in coverage triggers an automatic license suspension and restarts the entire 3-year filing requirement from zero.

Bodily Injury Liability

Pays for injuries you cause to others in an accident. Mississippi's 25/50 minimum covers less than one emergency room visit in many cases. A single serious injury claim exhausts the minimum limit immediately, leaving you personally liable for the remainder. DUI convictions already expose you to elevated lawsuit risk — carrying only the minimum amplifies that exposure.

Property Damage Liability

Covers damage you cause to another vehicle or property. You remain personally liable for any damage beyond your policy limit.

SR-22 Certificate of Financial Responsibility

The SR-22 is not insurance itself but a form your carrier files electronically with the Mississippi Department of Public Safety proving you carry at least minimum liability coverage. If your policy cancels or lapses for any reason, the carrier notifies the state within 10 days and your license suspends immediately.

Uninsured Motorist Coverage

Mississippi law requires carriers to offer uninsured motorist coverage at the same limits as your liability policy. You can reject it, but only by signing a written waiver at policy inception — verbal rejection does not count. Mississippi has one of the highest uninsured driver rates in the country, making this coverage particularly valuable for DUI drivers who cannot afford a second accident complicating their reinstatement.

What Drivers Pay in Mississippi

$329–$404/mo

Typical monthly rate in Mississippi, drivers with an SR-22 after a DUI

Rate data: ValuePenguin and NerdWallet, 2026

What Affects Your Rate

  • Age compounds DUI surcharges — drivers under 25 or over 65 with DUI convictions face combined surcharges that can triple base premiums
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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

How long do I need SR-22 filing after a DUI in Mississippi?

Mississippi requires SR-22 filing for 3 years after a DUI conviction, measured from your conviction date, not your reinstatement date. If your insurance lapses at any point during those 3 years, the Mississippi Department of Public Safety suspends your license immediately and the entire 3-year filing period restarts from zero once you reinstate.

What happens if my SR-22 insurance cancels in Mississippi?

Your carrier notifies the Mississippi Department of Public Safety electronically within 10 days of policy cancellation or lapse. The state suspends your license immediately and you must obtain new SR-22 coverage, pay reinstatement fees, and restart the full 3-year filing period. There is no grace period for missed payments.

Will my current insurance company file SR-22 in Mississippi after a DUI?

Most mainstream carriers like State Farm, Geico, and Allstate will file SR-22 for existing customers after a DUI but typically non-renew your policy at the end of your current term. You will need to shop non-standard carriers like Bristol West, Dairyland, The General, or GAINSCO for your next policy, which specialize in high-risk drivers and accept DUI convictions.

Does Mississippi accept out-of-state SR-22 filing?

No, Mississippi requires SR-22 filing from a carrier licensed to write policies in Mississippi and registered with the Mississippi Department of Public Safety. If you move to Mississippi with an existing SR-22 requirement from another state, you must obtain a new Mississippi SR-22 policy within 30 days of establishing residency or your license suspends.

Coverage Types

SR-22 Insurance

Electronic filing proving continuous liability coverage to the Mississippi Department of Public Safety for 3 years after DUI conviction. The filing itself costs $25–$50 annually but the DUI surcharge on your premium is the real expense.

Non-Owner SR-22

Liability-only policy for drivers who need SR-22 filing but do not own a vehicle. Covers you when driving borrowed or rental vehicles and maintains continuous filing to prevent license suspension.

Liability Insurance

Covers bodily injury and property damage you cause to others. Mississippi's 25/50/25 minimum is the lowest coverage tier and leaves you personally liable for serious accidents.

Uninsured Motorist Coverage

Pays your medical bills and vehicle damage when hit by an uninsured driver or in a hit-and-run accident. Mississippi carriers must offer this at the same limits as your liability policy.

Find Your City in Mississippi

Jackson

urban

Gulfport

suburban

Southaven

suburban

Hattiesburg

suburban

Biloxi

urban

Tupelo

urban

Olive Branch

suburban

Clinton

suburban