Mississippi SR22 INSURANCE
Mississippi SR22 INSURANCE
Mississippi SR22 INSURANCE
According to Mississippi law, you are typically required to obtain an SR-22 form from your insurance provider if your driver’s license has been suspended or revoked. This may also apply if you’ve been convicted of a DUI. An SR-22 certificate serves as proof of financial responsibility. It is not insurance in and of itself, but it is a certificate from the insurance company stating that you will have the minimum liability insurance required.
- Who needs an SR22 in Mississippi?
- How much does an SR-22 cost?
- Types of Mississippi SR-22 Forms
- Mississippi SR22 Insurance Requirements
- How to File a Mississippi SR-22 Form
Who needs an SR22 in Mississippi?
SR22 insurance may be required of Mississippi drivers if they’ve committed certain driving violations. It can even be required after a number of small incidences in a short span of time. Drivers may need SR-22 insurance for the following reasons:
- Conviction for driving under the influence (DUI or DWI)
- Driving without car insurance
- Driving with a revoked or suspended license
- Having repeated traffic violations in a certain amount of time, including speeding tickets
- Numerous at-fault accidents
- A fatal at-fault accident or one that results in injuries
- Reckless or dangerous driving
- Assignment from a court order
- Failure to pay fines from tickets
- Refused consent to breathalyzer or blood alcohol test
How much does an SR-22 cost?
SR-22 insurance in Mississippi is usually expensive. This isn’t because of the SR-22 itself — typical filing fees run just $15 to $35 — but a product of the insurance rate increases triggered by the driving citation that made the SR-22 necessary.
Car insurance companies charge higher-risk clients more expensive rates on account of the increased risk of having to pay out a claim after an accident. The rate increase you will face will depend on the severity and number of the violations.
The monthly average for a Mississippi driver with a clean driving record is $243 but one DUI jumps the monthly average to $367. That’s an extra $124 a month.
Types of Mississippi SR-22 Forms
- The Operator’s Certificate is for a person that drives but does not have a vehicle. This would come into play if you borrow a car from a friend or family member. This is also called non-owner SR-22 insurance.
- The Owner’s Certificate is used when a motorist requiring one has a licensed vehicle.
- An Operator-Owner’s Certificate is used when the driver has more than one automobile. An example would if you have multiple cars in your household and there is a chance you may drive more than just one.
The property damage will provide coverage for the driver and
whomever is driving the vehicle in the case of an accident.
If you or a family member are driving and involved in a accident the insurance company will pay for damages occurred from the accident up to $25,000. If there is damages above and beyond that you will be responsible for the remaining money owed.
Regardless of your driving history, we’re here to help. Ready to get started? Sit back, relax,
and discover an easier way to get the coverage you need.
Mississippi SR22 Insurance Requirements
It’s vital to make sure that you’re up-to-date on Mississippi’s current auto insurance coverage requirements. This is liability insurance that covers another car or driver when you’re at fault. Your insurance policy must insure you for a minimum of:
- $25,000 for injury per person
- $50,000 for injury per accident
- $25,000 for property damage per accident
How to File a Mississippi SR-22 Form
The SR-22 filing must be done by your insurance company with the DPS. This is not something you can hand carry. To get an SR-22, you need to request it from your insurance company and pay the associated fee.
You can get a free online SR-22 insurance quote for Mississippi drivers by entering your information. Just enter your ZIP to find the cheapest SR-22 insurance in Mississippi.
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