SR-22 insurance in Mississippi
In Mississippi, the SR-22 filing fee is about $15–$25 and most drivers pay $90–$190/month for minimum coverage. Mississippi requires the filing for three years from reinstatement.
Mississippi runs near the national average on cost, and it has a distinctive first-DUI option — nonadjudication — that can keep the conviction off your record but does not spare you the SR-22.
Cheapest SR-22 carriers
| Carrier | Est. monthly | Note |
|---|---|---|
| Travelers | $90/mo | lowest minimum-coverage rate in MS |
| Progressive | $107/mo | files fast |
| Allstate | $128/mo | agent filing |
| Nationwide | $152/mo | widely available |
How the violation changes the price
How filing works in Mississippi
In Mississippi, your insurer files the SR-22 electronically with the Department of Public Safety (DPS) Driver Service Bureau. Mississippi requires it for three years from your reinstatement date, and the minimum liability is 25/50/25. Mississippi uses only the SR-22 — there's no FR-44 here.
What triggers it: a DUI, driving without insurance, or an at-fault uninsured accident. A DUI reinstatement fee runs about $175 (implied-consent/test-refusal suspensions are treated similarly), separate from your insurer's $15–$25 filing fee. A DUI also routes you through MASEP — the Mississippi Alcohol Safety Education Program — and, in most cases, an ignition-interlock-restricted license for at least 120 days.
There's no grace period. If coverage lapses, the DPS is notified, your license is re-suspended, and the three-year clock restarts from the beginning.
What an SR-22 costs in Mississippi
Mississippi sits near the national average. A clean-record minimum policy is on the lower side, and SR-22 carrier rates for minimum coverage run about $90 (Travelers) to $190. A DUI raises the premium and adds a $175 reinstatement fee, MASEP costs, and — in most cases — an ignition-interlock lease. The SR-22 form itself is cheap; the conviction behind it and the fees stacked around reinstatement are the real bill. Estimate yours with the SR-22 cost calculator, or compare states on the SR-22 cost page.
Nonadjudication keeps the conviction off — not the SR-22
This is Mississippi's genuinely distinctive wrinkle. A first-time DUI offender can apply for nonadjudication: you plead guilty, but the court withholds a formal conviction, and if you complete every condition, the charge is dismissed with no DUI on your criminal record. It's a real second chance — available only once in a lifetime, and not to CDL holders. But read the conditions carefully, because they include the parts people hoped to avoid: an SR-22 filed for three years from reinstatement, completion of MASEP, and an interlock-restricted license for at least 120 days. In other words, nonadjudication protects your record; it does not shorten the SR-22 or skip the interlock. Budget for the full three years regardless of how the plea is styled — and confirm the specifics with a Mississippi attorney, since nonadjudication is a legal decision, not an insurance one.
The interlock-restricted license and MASEP
A Mississippi DUI usually means an interlock-restricted (Class R) license rather than a flat suspension. You install a state-approved ignition-interlock device at your own expense, keep the restricted license for at least 120 days, and drive only vehicles fitted with the device — or take a 120-day suspension instead. On top of that, MASEP (an alcohol-education program) must be completed before reinstatement. Stacked with the SR-22, the interlock lease and MASEP fees are what make a Mississippi DUI cost far more than the monthly premium alone suggests, so plan for all three running at once.
The non-owner policy sold to people who own a car
A recurring warning across DUI and insurance forums applies squarely in Mississippi: drivers who own a vehicle are sometimes sold a non-owner SR-22 anyway — cheaper up front, but the wrong product. A non-owner policy doesn't cover a car you own, and owning one can void the policy and the SR-22 with it. If you have a vehicle, put the SR-22 on a policy that insures that vehicle. A non-owner SR-22 is only for drivers who genuinely don't have regular access to a car — our non-owner SR-22 guide explains who qualifies.
Cheapest SR-22 carriers in Mississippi
Travelers posts the lowest minimum-coverage SR-22 rate in 2026 studies at about $90, with Progressive, Allstate, and Nationwide higher. Mississippi's rates are moderate enough that your own record is the biggest variable, so quote at least three carriers; the cheapest SR-22 guide covers who stays friendliest to high-risk drivers. If a mainstream carrier declines you outright, a high-risk specialist that files SR-22s daily will usually write the policy, sometimes for less than a name-brand insurer quotes a post-DUI driver.
If your Mississippi SR-22 lapses
A lapse re-suspends your license, restarts the three-year clock, and makes you pay the reinstatement fee again — and if you're mid-way through a nonadjudication program, a lapse can jeopardize the dismissal you were working toward. Auto-pay is the safest guard. If you've already lapsed, see what happens when an SR-22 lapses and reinstating your license. Neighboring Alabama and Louisiana handle their filings differently, which matters if you move mid-term.
A driver who needs an SR-22 in Mississippi typically pays about: