SR-22 insurance in Mississippi
What Mississippi requires after a DUI, a lapse or driving uninsured, how long the filing lasts, what it costs the state, whether a non-owner filing works, and which companies in Mississippi write the policies that carry it, from the state's own pages and the insurance company directory.
Mississippi uses the Insurer-certified policy (form name not stated by the state) filing. Who needs it: A first DUI conviction requires proof of insurance for 3 years. No-insurance cases need proof of insurance. Which triggers need a certified filing rather than plain proof is not stated by the state. How long: DUI: proof of insurance for 3 years. Otherwise not stated by the state. The insurer files it electronically with the state once the policy is bound; a non-standard auto policy with the filing is often cheaper than people expect. 727 companies write personal auto in Mississippi; the ones used to filings are tagged below.
By Sam Alishahi, independent insurance broker · Every state
What Mississippi requires
From Mississippi Department of Public Safety, Driver Service Bureau, Driver Records Division; sources at the bottom.
| Filing | Insurer-certified policy (form name not stated by the state) |
|---|---|
| Who needs it | A first DUI conviction requires proof of insurance for 3 years. No-insurance cases need proof of insurance. Which triggers need a certified filing rather than plain proof is not stated by the state. |
| How long | DUI: proof of insurance for 3 years. Otherwise not stated by the state. |
| State fees | No state filing fee stated; insurer charges vary. Reinstatement: $100 most suspensions (citation, FTA, FTP, judgement, accident); $175 DUI or drugs. |
| Non-owner filing | The law recognizes an operator's policy, but when a non-owner certification is accepted is not stated by the state. |
| How it's filed | Not stated by the state. Proof of insurance in crash cases goes to the DPS Driver Records Division within 60 days. |
| If the policy cancels | Not stated by the state |
| Minimum liability limits | 25/50/25 (bodily injury per person / per accident / property damage) |
| Who handles it | Mississippi Department of Public Safety, Driver Service Bureau, Driver Records Division |
How to get it today
- Send the quote request with the reason for the filing (DUI, lapse, uninsured accident) and the date the state gave you; that goes to the companies above that take it.
- Bind the policy; the insurer sends the Insurer-certified policy (form name not stated by the state) to the state electronically the same day in most cases.
- Keep the policy paid for the whole period: a cancellation is reported to the state and usually restarts the suspension.
I'm licensed in 48 states and Washington, DC and your request stays with my agency, not passed to another agent. In Florida and Washington, where my licenses are still being issued, a partner agency in your state helps in the meantime.
Questions people ask
How long do I need an Insurer-certified policy (form name not stated by the state) in Mississippi?
DUI: proof of insurance for 3 years. Otherwise not stated by the state.
Who needs an Insurer-certified policy (form name not stated by the state) in Mississippi?
A first DUI conviction requires proof of insurance for 3 years. No-insurance cases need proof of insurance. Which triggers need a certified filing rather than plain proof is not stated by the state.
Can I get a non-owner Insurer-certified policy (form name not stated by the state) in Mississippi?
The law recognizes an operator's policy, but when a non-owner certification is accepted is not stated by the state.
What happens if my policy cancels during the Insurer-certified policy (form name not stated by the state) period?
Not stated by the state
Sources
- https://www.driverservicebureau.dps.ms.gov/DriverRecords/Reinstatement
- https://www.driverservicebureau.dps.ms.gov/DriverRecords/DUI_Department
- https://www.driverservicebureau.dps.ms.gov/DriverRecords/Accidents_Judgements
- https://www.driverservicebureau.dps.ms.gov/DriverRecords/Home
- https://www.driverservicebureau.dps.ms.gov/node/214
- https://www.driverservicebureau.dps.ms.gov/node/215
Send it once. It gets filed.
A few minutes to request the quote; the companies that file Insurer-certified policy (form name not stated by the state) answer by email, and the filing goes to the state when you bind.
Get a reminder before your renewal.
Tell me when your policy renews and I’ll email you about six weeks before, when it’s worth comparing. One email, no calls.