Non-Owner SR-22 Insurance in Mississippi

If Mississippi has ordered you to file an SR-22 and you do not own a car, a non-owner SR-22 policy is usually the lowest-cost way to meet the requirement and reinstate your license. Mississippi requires at least 25/50/25 liability coverage.

Who needs a non-owner SR-22 in Mississippi?

Mississippi drivers are commonly ordered to file an SR-22 after a DUI, after driving without insurance, after an uninsured accident, or after a license suspension for points or unpaid judgments. If you do not own a vehicle and have no regular access to one, a non-owner policy satisfies the Mississippi Department of Public Safety.

How to get a non-owner SR-22 in Mississippi

1. Confirm the requirement. Check your suspension notice or court paperwork, or call the Mississippi Department of Public Safety, to confirm that you need an SR-22, how long you need it, and any reinstatement fees.
2. Request non-owner quotes. Tell the agent that you do not own a vehicle and do not have regular use of one. You must also list everyone in your household who owns a car, because household access can disqualify you.
3. Buy the policy and pay the filing fee. The insurer files the SR-22 with Mississippi electronically, usually within one business day.
4. Pay reinstatement fees and keep the policy active. If the policy lapses, the insurer must notify the state, and your license can be suspended again.

Mississippi details to know

Mississippi has one of the highest rates of uninsured drivers in the country, and the state requires an SR-22 after many insurance and DUI suspensions. The Department of Public Safety's Driver Services handles reinstatement.

Mississippi non-owner SR-22 FAQ

Figures are general guidance as of 2026-11-13. Requirements change, so confirm with the Mississippi Department of Public Safety or your court before you buy a policy.

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