When it comes to Mississippi SR22 insurance, we go the extra mile to bring you competitive rates. In as little as 20 minutes, UltraCar Insurance can obtain and file your certificate to reinstate your license. We partner with top-rated insurance companies to provide high-quality SR22 insurance at low rates.
SR22 insurance in Mississippi is high-risk auto liability insurance, which can be costly to obtain. The state requires it to reinstate a driver’s suspended license. Drivers required to obtain SR22 insurance must maintain it for up to 5 years.
How does Mississippi SR22 insurance work?
SR22 is a financial responsibility form that a high-risk insurance provider attaches to an auto or non-owner insurance policy. This certificate serves as a communication tool between the Mississippi Department of Public Safety (DPS) and the insurance company that issued the policy. The insurance company monitors the policy to provide the state with ongoing confirmation that the driver is maintaining the minimum required liability insurance at all times. If the driver allows the policy to lapse or expire, or cancels it, the insurance company files an SR26 form with the DPS, resulting in the suspension of their driving privileges.
Types of SR22 insurance
SR22 insurance comes in two forms: owner SR22 and non-owner. Non-owner SR22 insurance is for individuals who need to have their driver’s license reinstated and do not own a vehicle. Non-owner SR22 insurance is a liability-only policy that covers the policyholder while they are driving a vehicle owned by another person. It is secondary coverage to the vehicle owner’s primary insurance, meaning it pays claims only after the primary insurance has reached its coverage limits. Non-owner SR22 insurance only covers vehicles driven occasionally; it does not cover commercial vehicles, rental vehicles, or household vehicles in which the insured resides. See Non-Owner SR22 Insurance in Mississippi for more information.
The minimum liability insurance coverage mandated by Mississippi appears below. These are the minimum required coverage amounts, but you can purchase higher amounts through additional coverage options.
- $25,000 bodily injury per accident
- $50,000 bodily injury liability for all injuries in an accident
- $25,000 in property damage in one accident
Mississippi DMV
More information about driver records and reinstatement fees is available in the Driver Services section of the Mississippi DPS website.
UltraCar Insurance in Mississippi
As soon as you contact us, we’ll begin surveying several insurance companies to find the best rate for you. For fast Mississippi SR22 insurance filing, start an online quote now or give us a call today!
