Driving Without Insurance in Mississippi
Fines, license and registration suspension, and SR-22 requirements for driving uninsured in Mississippi.
Short answer: According to the Mississippi Insurance Department, the initial penalty for failing to maintain an insurance card is a $1,000 fine and suspension of driving privileges for one year or until the vehicle owner shows proof of insurance. Mississippi Insurance Department, Auto Insurance
| Driving without insurance | According to the Mississippi Insurance Department, the initial penalty for failing to maintain an insurance card is a $1,000 fine and suspension of driving privileges for one year or until the vehicle owner shows proof of insurance. The compulsory liability law is enforced by the Department of Public Safety's Safety Responsibility Division (601-987-1255). |
|---|---|
| Proof of insurance | Since January 1, 2001, all drivers must maintain liability insurance and carry an insurance card in the vehicle at all times. Since July 1, 2013, the card may be shown on paper or electronically, including as an image on a cell phone or other electronic device. A law enforcement officer cannot stop a driver solely to check for an insurance card, but may ask for proof of insurance during a stop for another violation. |
| SR-22 filing | After a first-offense DUI conviction, the Driver Service Bureau requires completion of the Mississippi Alcohol Safety Education Program along with proof of insurance for three years before driving privileges are restored. The page reviewed does not use the term "SR-22" and does not describe proof-of-insurance requirements for other violations. |
More Mississippi car insurance & vehicle laws
- Minimum Car Insurance in Mississippi
- SR-22 Insurance in Mississippi
- When a Car Is a Total Loss in Mississippi
- Transferring a Car Title in Mississippi
- All Mississippi car insurance & vehicle laws rules
FAQ
What is the penalty for driving without insurance in Mississippi?
According to the Mississippi Insurance Department, the initial penalty for failing to maintain an insurance card is a $1,000 fine and suspension of driving privileges for one year or until the vehicle owner shows proof of insurance. The compulsory liability law is enforced by the Department of Public Safety's Safety Responsibility Division (601-987-1255).
Can you show proof of car insurance on your phone in Mississippi?
Since January 1, 2001, all drivers must maintain liability insurance and carry an insurance card in the vehicle at all times. Since July 1, 2013, the card may be shown on paper or electronically, including as an image on a cell phone or other electronic device. A law enforcement officer cannot stop a driver solely to check for an insurance card, but may ask for proof of insurance during a stop for another violation.
When do you need an SR-22 in Mississippi, and for how long?
After a first-offense DUI conviction, the Driver Service Bureau requires completion of the Mississippi Alcohol Safety Education Program along with proof of insurance for three years before driving privileges are restored.
General legal information, not legal advice. Laws change and local rules can differ; check the linked official source or talk to a lawyer about your situation.