Cheapest SR-22 Insurance in Mississippi for 2024 (Secure Low Rates With These 10 Companies)
Geico, State Farm, and Nationwide have the cheapest SR-22 insurance in Mississippi. Geico has the lowest prices, starting at $27/month. State Farm gives good rates with great service, and Nationwide has low costs with extras like accident forgiveness for cheap but comprehensive Mississippi SR-22 insurance.
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Scott W. Johnson
Licensed Insurance Agent
Scott W Johnson is an independent insurance agent in California. Principal Broker and founder of Marindependent Insurance Services, Scott brings over 25 years of experience to his clients. His Five President’s Council awards prove he uses all he learned at Avocet, Sprint Nextel, and Farmers Insurance to the benefit of his clients. Scott quickly grasped the unique insurance requirements of his...
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UPDATED: Dec 12, 2024
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Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Dec 12, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
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19,116 reviewsCompany Facts
Min. Coverage for SR-22 in Mississippi
A.M. Best Rating
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19,116 reviews
17,759 reviewsCompany Facts
Min. Coverage for SR-22 in Mississippi
A.M. Best Rating
Complaint Level
Pros & Cons
17,759 reviews
3,019 reviewsCompany Facts
Min. Coverage for SR-22 in Mississippi
A.M. Best Rating
Complaint Level
Pros & Cons
3,019 reviewsThe cheapest SR-22 insurance in Mississippi is with Geico, State Farm, and Nationwide, with rates starting at $27/month. Geico stands out for offering the lowest prices.
State Farm provides competitive rates with excellent service, while Nationwide pairs affordable premiums with valuable benefits like accident forgiveness.
Our Top 10 Company Picks: Cheapest SR-22 Insurance in Mississippi
| Company | Rank | Monthly Rates | A.M. Best | Best For | Jump to Pros/Cons |
|---|---|---|---|---|---|
 | #1 | $27 | A++ | Online Management | Geico |
 | #2 | $31 | B | Claims Service | State Farm |
 | #3 | $36 | A+ | Accident Forgiveness | Nationwide |
 | #4 | $39 | A | Safe-Driving Discounts | Safeco |
 | #5 | $43 | A | Non-Standard Coverage | The General |
 | #6 | $44 | A | Comprehensive Coverage | Liberty Mutual |
 | #7 | $45 | A+ | Online Tools | Progressive |
 | #8 | $46 | A | Customer Service | American Family |
 | #9 | $54 | A | Personalized Service | Farmers |
 | #10 | $55 | A+ | Local Agents | Allstate |
Finding cheap auto insurance companies can be difficult for high-risk drivers, but you don’t have to do it alone. Enter your ZIP code to find the most affordable quotes in your area.
- Geico offers the cheapest SR-22 insurance in Mississippi for $27/month
- State Farm and Nationwide deliver great rates from local agents
- Mississippi SR-22 requirements impact drivers with DUIs or reckless driving
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#1 – Geico: Top Overall Pick
Pros
- Lowest Rates: Geico offers the cheapest SR-22 insurance in Mississippi, starting at $27/month for basic coverage.
- Easy Online Tools: Geico’s website and app make managing SR-22 insurance simple and quick for Mississippi drivers.
- Good Discounts: Geico provides competitive multi-car discounts to lower SR-22 costs in Mississippi. See more discounts in our Geico auto insurance review.
Cons
- Less Local Support: Geico focuses on online service, which may not suit drivers needing personal help in Mississippi.
- Lower Customer Satisfaction: Geico SR-22 insurance reviews are only average in the area, compared to State Farm and Nationwide.
#2 – State Farm: Best Claims Service
Pros
- Competitive Rates: State Farm offers cheap Mississippi SR-22 insurance rates starting at $31/month for basic coverage.
- Great Claims Service: Mississippi drivers can rely on State Farm’s helpful customer service when filing and processing claims.
- Good Discounts: State Farm’s multi-policy discount helps drivers save on SR-22 insurance. Compare discounts in our State Farm auto insurance review.
Cons
- Basic Online Tools: State Farm’s website and app are less advanced than competitors like Geico.
- Financial Stability: Its A.M. Best rating is a “B,” which is acceptable but lower than other national companies’ ratings.
#3 – Nationwide: Cheapest Accident Forgiveness
Pros
- Accident Forgiveness: Nationwide SR-22 insurance in Mississippi includes accident forgiveness for $36/month.
- Flexible Coverage Options: Nationwide offers policies that fit the needs of Mississippi drivers with SR-22 requirements.
- Reliable Claims Service: Nationwide makes filing claims for SR-22 insurance easy in Mississippi. Read our detailed Nationwide auto insurance review to learn more.
Cons
- Higher Rates: Nationwide is more expensive than Geico or State Farm SR-22 insurance in Mississippi.
- Limited Local Offices: Fewer local offices might make it harder for some drivers to get in-person help.
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#4 – Safeco: Best Safe Driving Discounts
Pros
- Safe-Driver Discounts: Safeco lowers SR-22 insurance costs up to 40% in Mississippi for safe drivers
- Affordable Basic Coverage: Mississippi SR-22 insurance costs are budget-friendly, starting at $39/month. Explore policy options in our Safeco auto insurance review.
- Claims-Free Savings: Drivers without claims can save more on SR-22 insurance in Mississippi.
Cons
- Expensive Full Coverage: Full coverage SR-22 insurance costs more than other options in Mississippi.
- Basic App Features: The app is not as advanced for managing SR-22 insurance policies.
#5 – The General: Cheapest Non-Standard Coverage
Pros
- Great for High-Risk Drivers: The General provides SR-22 insurance in Mississippi for high-risk drivers who don’t qualify for standard companies.
- Fast SR-22 Filing: Quick filing ensures drivers meet Mississippi’s requirements without delays.
- Flexible Payment Plans: Payment options make it easier to manage SR-22 costs in Mississippi. Learn more in our The General auto insurance review.
Cons
- Higher Rates: SR-22 insurance costs start higher at $43/month compared to others.
- Limited Discounts: Discount options for SR-22 insurance are fewer than competitors in Mississippi.
#6 – Liberty Mutual: Cheapest Comprehensive Coverage
Pros
- Wide Coverage Options: Liberty Mutual offers customizable SR-22 insurance policies in Mississippi for $44/month. Learn more in our Liberty Mutual auto insurance review.
- Discounts for Safety Features: Mississippi drivers with safety-equipped vehicles can save on SR-22 insurance.
- Reliable Claims Processing: Liberty Mutual provides easy online claims filing for SR-22 drivers in Mississippi.
Cons
- Higher Rates for High-Risk Drivers: SR-22 insurance rates can be higher for drivers with multiple claims in Mississippi.
- Limited Discounts: Fewer discounts compared to other Mississippi SR-22 insurance companies.
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#7 – Progressive: Best Online Tools
Pros
- Great Online Tools: Progressive makes managing Mississippi SR-22 auto insurance easy with its user-friendly app and website.
- Affordable Rates: SR-22 insurance starts at $45/month for minimum coverage in Mississippi. Take a look at quotes in our Progressive auto insurance review.
- Snapshot Program Savings: Mississippi drivers can save on SR-22 insurance by using Progressive’s usage-based Snapshot program.
Cons
- Higher Rates for Full Coverage: Full coverage SR-22 insurance costs more than some competitors in Mississippi.
- Limited Local Support: Most services are online, which might not work for drivers wanting in-person help.
#8 – American Family: Best Claims Service
Pros
- Helpful Customer Service: American Family customer service for SR-22 insurance is highly-rated by drivers across the state.
- Multi-Policy Discounts: Bundling home and auto policies lowers SR-22 insurance costs for Mississippi drivers.
- Good Student Savings: Students in Mississippi can save on SR-22 insurance with good grades. Find out more in our American Family auto insurance review.
Cons
- Higher Rates: Minimum SR-22 insurance coverage starts at $46/month, higher than competitors.
- Limited Availability: Fewer offices in some Mississippi areas may limit in-person service.
#9 – Farmers: Cheapest Personalized Service
Pros
- Personalized Service: Farmers focuses on one-on-one support for SR-22 insurance in Mississippi.
- Multi-Policy Savings: Mississippi drivers bundling policies save on SR-22 insurance.
- Driver Discounts: Safe driving and good student discounts help lower SR-22 costs. Get insights from our Farmers auto insurance review.
Cons
- High Starting Rates: SR-22 insurance rates start higher at $54/month in Mississippi.
- Limited Online Features: Farmers’ digital tools are less advanced compared to other providers.
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#10 – Allstate: Best for Local Agents
Pros
- Strong Agent Network: Allstate’s local agents offer personalized support for SR-22 insurance in Mississippi.
- Discount Opportunities: Allstate offers discounts like good student and multi-policy for SR-22 insurance in Mississippi.
- Good Claims Support: Mississippi drivers benefit from a smooth claims process for SR-22 insurance. Get details in our Allstate auto insurance review.
Cons
- Highest Rates: Minimum coverage SR-22 insurance starts at $55/month, the most expensive on this list.
- Limited Discounts: Fewer discount options for SR-22 insurance compared to other companies.
Finding Cheap SR-22 Insurance Rates in Mississippi
The cost of SR-22 insurance in Mississippi varies significantly based on factors like coverage level and your driving history. Mississippi minimum auto insurance is the most affordable option for SR-22.
Mississippi SR-22 Insurance Monthly Rates by Provider & Coverage Level
| Insurance Company | Minimum Coverage | Full Coverage |
|---|---|---|
| $55 | $147 |
| $46 | $120 |
| $54 | $145 |
| $27 | $72 |
| $44 | $119 |
| $36 | $96 |
| $45 | $120 |
| $39 | $103 |
| $31 | $82 |
| $43 | $110 |
Geico offers the lowest rates for minimum coverage at $27/month, followed by State Farm at $31/month and Nationwide at $36/month. Full coverage rates are higher, with Geico again providing the most affordable option at $72/month.
Other providers, such as Liberty Mutual, Safeco, and Progressive, offer competitive rates ranging from $39 to $120/month for minimum or full coverage. Comparing these options can help drivers find the most cost-effective and comprehensive Mississippi SR-22 car insurance.
Understanding Mississippi SR-22 Insurance Coverage
SR-22 insurance in Mississippi is a certificate of financial responsibility required for high-risk drivers to reinstate their driving privileges. It proves you meet the state’s minimum liability insurance requirements after incidents such as a DUI, multiple traffic violations, or driving without insurance.
While SR-22 insurance itself is not a policy, it is an additional requirement filed by your insurer with the state. If you need SR-22 insurance in Mississippi, understanding your coverage options can help you stay compliant and find affordable rates. SR-22 insurance coverage includes:
- Bodily Injury Liability: Bodily injury liability covers medical expenses for injuries you cause to others in an accident.
- Property Damage Liability: Pays for damages you cause to another person’s property in an accident.
In Mississippi, the minimum liability coverage requirements include $25,000 for bodily injury per person, $50,000 for bodily injury per accident, and $25,000 for property damage per accident. These limits ensure drivers have basic financial protection in the event of an accident.
It’s important to note that SR-22 insurance itself isn’t a separate policy but a form filed by your insurer to confirm you meet these coverage requirements. Maintaining this coverage is essential to comply with state laws and reinstate driving privileges after certain violations.
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Saving With SR-22 Insurance in Mississippi
Securing affordable SR-22 insurance in Mississippi is possible with the right discounts offered by top providers. You might not qualify for the best auto insurance discounts for good drivers with an SR-22, but companies like Geico and State Farm stand out with their broad range of savings options.
SR-22 Insurance Discounts From the Top Providers in Mississippi
| Insurance Company | Available Discounts |
|---|---|
| New Car Discount, Safe Driving Bonus, Early Signing Discount, Rideshare Driver Discount |
| Good Student Discount, Early Signing Discount, Multi-Policy Discount, Homeowner Discount |
| Smart Driver Discount, Homeowner Discount, Multi-Policy Discount, Good Student Discount |
| Multi-Vehicle Discount, Good Driver Discount, Military Discount, Federal Employee Discount |
| New Car Discount, Vehicle Safety Features Discount, Multi-Car Discount, Claims-Free Discount |
| Multi-Policy Discount, Safe Driver Discount, Good Student Discount, Family Plan Discount |
| Snapshot Program, Multi-Vehicle Discount, Homeowner Discount, Continuous Coverage Discount |
| RightTrack Program Discount, Claims-Free Discount, Multi-Policy Discount, Homeowner Discount |
| Drive Safe & Save Discount, Multi-Policy Discount, Accident-Free Discount, Good Student Discount |
| Multi-Car Discount, Safe Driving Discount, Good Student Discount, Prior Coverage Discount |
For instance, Geico provides competitive multi-vehicle and military discounts, helping you lower costs while meeting SR-22 requirements.
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State Farm offers multi-policy and good student discounts. Additionally, Nationwide offers accident forgiveness alongside family plan discounts, which are especially useful for households managing multiple drivers.
If you’re a high-risk driver, The General offers multi-car and prior coverage discounts, ensuring you can meet Mississippi’s SR-22 requirements if you can’t get coverage with our top three standard providers.
Securing Cheap SR-22 Insurance in Mississippi
Finding the cheapest SR-22 insurance in Mississippi doesn’t have to be overwhelming. Geico, State Farm, and Nationwide have competitive rates starting at $27/month and valuable discounts tailored to high-risk drivers.
Geico stands out as the best choice for SR-22 insurance in Mississippi, offering the lowest rates starting at just $27/month, backed by an A++ rating and user-friendly online management tools.Jeff Root Licensed Life Insurance Agent
Learn how to compare auto insurance quotes and understand the discounts available to meet Mississippi SR-22 requirements without overspending. Take the time to evaluate your options, and you’ll be well on your way to securing the coverage you need at a price you can afford.
If you want to lower your auto insurance premiums, enter your ZIP code into our free quote comparison tool to compare your rates against the top insurers.
Frequently Asked Questions
How does SR-22 insurance affect driving privileges in Mississippi?
SR-22 auto insurance ensures that your driving privileges are reinstated after a suspension, but lapses in coverage can lead to further penalties.
Can SR-22 insurance help reduce future violations or risks in Mississippi?
While SR-22 insurance doesn’t directly reduce risks, maintaining continuous coverage and safe driving habits can help you transition out of the high-risk category over time. Explore your auto insurance options by entering your ZIP code into our free comparison tool today.
What steps should you take to avoid lapsing in SR-22 insurance coverage?
Set up automatic payments, regularly review policy details, and update your insurer immediately if there are changes to avoid coverage interruptions.
Do different SR-22 filing types exist for various driving violations in Mississippi?
Yes, the SR-22 filing may differ based on violations such as DUI, uninsured accidents, or reckless driving, affecting coverage terms and costs.
Are there alternatives to SR-22 insurance in Mississippi for high-risk drivers?
While SR-22 is mandatory for certain violations, drivers can explore cheap non-owner auto insurance policies if they don’t own a vehicle but still need coverage to comply with state laws.
What happens if a Mississippi driver moves out of state with an SR-22 requirement?
Drivers must maintain SR-22 insurance that meets Mississippi’s requirements even if they relocate, ensuring compliance until the mandated period ends.
Is there a difference between SR-22 and standard auto insurance policies in Mississippi?
SR-22 insurance includes a filing requirement with the state, making it a proof of financial responsibility, unlike standard auto insurance.
How can Mississippi drivers save on SR-22 insurance beyond discounts?
Opting for a higher auto insurance deductible, maintaining a clean driving record, and choosing minimum coverage can lower overall insurance costs.
Can Mississippi drivers with SR-22 requirements still qualify for safe driving programs?
Different safe driving programs are not available to drivers with multiple accidents or DUIs, so why you need to file Mississippi SR-22 could impact your eligibility for these programs.
How does the type of vehicle impact SR-22 insurance premiums in Mississippi?
Expensive or high-performance vehicles typically increase premiums for SR-22 insurance due to higher repair and replacement costs (Read more: Replacement Cost vs. Actual Cash Value).
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Scott W. Johnson
Licensed Insurance Agent
Scott W Johnson is an independent insurance agent in California. Principal Broker and founder of Marindependent Insurance Services, Scott brings over 25 years of experience to his clients. His Five President’s Council awards prove he uses all he learned at Avocet, Sprint Nextel, and Farmers Insurance to the benefit of his clients. Scott quickly grasped the unique insurance requirements of his...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.