Mississippi Non Owner SR22 Insurance


The State of Mississippi requires certain drivers, e.g., DUI offenders and those who violate the Mississippi Safety Responsibility Act, to carry a special liability insurance that most people refer to as “SR22 insurance.” In Mississippi, an SR22 requirement lasts for 3 years.

An SR22 insurance policy is a liability policy that requires an insurance company to file an SR22 form with the Mississippi Department of Public Safety. The SR22 form is “proof of future financial responsibility” and it proves that you will be financially responsible if you get into an accident in the future. The State keeps the SR22 form on file, and if your SR22 policy is ever canceled, then your insurance company notifies the Department of Public Safety, and you get into trouble.

If you do not own a vehicle, but you need SR22 insurance, then you will need to purchase a non-owner SR22 insurance policy. If you have non-owner SR22 insurance, and you get into an accident, your insurance will cover the other drivers involved in the accident and their vehicles. It will not cover you or the vehicle you are driving.

DUI offenders may run into trouble with non-owner SR22 insurance if the court orders them to install an ignition interlock device (IID) in their vehicle. One will likely need to own a vehicle in order to fulfill an ignition interlock requirement, and therefore, will need to purchase traditional owner’s SR22 insurance.

Mississippi non-owner SR22 insurance must be provided by an insurance company licensed to do business in the State of Mississippi.

Mississippi non owner SR22 insurance facts:

  • Non owner SR22 insurance is a policy for non vehicle owners only
  • Non owner SR22 insurance is written for one person only
  • Non owner SR22 insurance is liability only coverage
  • Non owner SR22 insurance does not include comprehensive or collision coverage
  • Non owner SR22 insurance does not cover vehicles in the household
  • Non owner SR22 insurance does not cover rental or commercial vehicles
  • Non owner SR22 insurance is written on one individual only

How Long Do I Need To Maintain Mississippi Non Owner SR22 Insurance?
Mississippi State requires most high risk drivers to maintain SR22 insurance for three years.

What Offenses Result in an SR22 Insurance Requirement?
Certain driving offenses and circumstances can result in the suspension of a driver’s license. Some of these include:

  • Uninsured accidents
  • Refusing to submit to a breath or blood alcohol test
  • DUI or DWI offenses
  • Accumulating too many points on a DMV record
  • Child support or neglect cases
  • Legal judgments