What The General Charges Mississippi SR-22 Filers
You received your Mississippi suspension notice and called The General because their ads target exactly your situation. The agent quoted you a monthly premium but did not explain why your neighbor — also suspended, also needing SR-22 — pays $70 less per month. The difference is not your ZIP code or your age. It is what triggered your filing requirement.
The General operates as a non-standard carrier in Mississippi through Sentry Insurance (AM Best A-rated, NAIC group oversight). They write SR-22 policies for DUI convictions, uninsured motorist violations, points accumulations, and drivers needing non-owner coverage during suspension. Your premium reflects the actuarial risk The General assigns to your specific trigger, not a flat SR-22 surcharge applied equally to all suspended drivers.
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Get Your Free QuoteThe General MS SR-22 Range
$85–$210/mo
Monthly premiums for Mississippi suspended drivers vary by violation trigger. DUI and uninsured motorist suspensions place filers in the upper half of this range ($140–$210/mo); points-based and lapse-triggered suspensions typically price in the lower half ($85–$140/mo). Non-owner SR-22 policies reduce the premium by removing vehicle collision and comprehensive coverage.
Estimates based on available industry data; individual rates vary by driving history and coverage selections.
Why Your Trigger Type Changes Your Premium
Mississippi requires SR-22 filing for three years following DUI conviction, uninsured motorist violations, and certain repeat-offense point accumulations under Miss. Code Ann. § 63-15-4. The General prices these triggers differently because their historical claims data shows DUI convictions correlate with higher at-fault accident rates than administrative suspensions for unpaid tickets or insurance lapses.
A DUI-triggered SR-22 policy typically costs $140–$210/mo because The General is underwriting both the SR-22 filing requirement and the elevated accident risk the conviction represents. A lapse-triggered suspension — where you let your previous policy cancel and the state suspended your registration under the electronic verification system — prices at $85–$125/mo because the violation signals administrative noncompliance, not impaired driving risk. The filing form is identical; the actuarial profile is not.
If your suspension stems from points accumulation (12 points in 12 months under Mississippi's point system), your premium depends on what violations earned those points. Reckless driving and excessive speeding convictions push you toward the DUI pricing tier. Minor speeding tickets and equipment violations keep you in the lower bracket. The General's underwriting system weights individual convictions, not just the total point count.
The General does not offer same-day SR-22 filing in Mississippi. Expect 1–3 business days between payment and DPS receipt of your electronic filing.
Non-Owner SR-22 Cuts Your Premium
Non-owner SR-22 through The General typically costs $55–$95/mo in Mississippi because the policy covers only your liability exposure when you drive a borrowed or rented vehicle. You are not insuring a specific car, so there is no collision coverage, no comprehensive coverage, and no physical damage exposure for The General to underwrite. The policy meets Mississippi's $25,000/$50,000/$25,000 liability minimums and includes the SR-22 filing at no additional fee beyond the standard $25–$50 DPS processing charge.
This option works if you sold your vehicle after suspension, if you rely on a spouse's car during your restricted license period, or if you are reinstating purely to stop the suspension clock before you purchase another vehicle. The General will cancel the non-owner policy the day you register a vehicle in your name, so you cannot use it as long-term coverage once you own a car again. You will need to convert to a standard SR-22 policy covering the newly registered vehicle.
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How Mississippi's Three-Year Filing Period Affects Total Cost
Mississippi mandates SR-22 filing for three years from your conviction date for DUI violations and from your suspension date for uninsured motorist violations under Miss. Code Ann. § 63-15-4. The General must maintain continuous electronic filing with the Mississippi Department of Public Safety for the entire 36-month period. If you cancel your policy or miss a payment and The General withdraws the filing, DPS re-suspends your license immediately and resets your three-year clock from the new filing date.
At $140/mo for a DUI-triggered SR-22 policy, you will pay $5,040 over three years in premiums alone. Add Mississippi's $175 DUI reinstatement fee and the court-ordered MASEP (Mississippi Alcohol Safety Education Program) completion fee, and your total financial obligation exceeds $5,500 before you factor in ignition interlock device costs if your BAC exceeded 0.15 or you are a repeat offender. The General does not discount SR-22 premiums after year one; your monthly rate stays flat for the entire filing period unless you earn safe-driver discounts by maintaining a claims-free record.
Some Mississippi drivers believe switching carriers mid-filing will reduce their premium. The General allows this, but the new carrier must file an SR-22 with DPS before The General withdraws theirs, or you trigger the automatic re-suspension described above. The three-year period does not reset when you switch carriers as long as there is no coverage gap. Shop quotes at your annual renewal, not mid-policy, to avoid double-payment overlap windows.
Mississippi SR-22 Filing Duration
3 years
SR-22 filing is required for 36 months following DUI conviction or uninsured motorist suspension. The period begins on your conviction date (for DUI) or suspension effective date (for uninsured violations), not on the date you purchase the policy. Any lapse in coverage resets the entire three-year clock from the new filing date.
Miss. Code Ann. § 63-15-4
The General vs Other Mississippi Non-Standard Carriers
The General competes directly with Bristol West, Dairyland, Direct Auto, GAINSCO, and National General in Mississippi's non-standard SR-22 market. All five carriers write policies for suspended drivers; all five offer non-owner SR-22 options; all five electronically file with DPS. Your premium will vary by $30–$80/mo between them for the same coverage and the same violation trigger because each carrier uses proprietary underwriting models that weight your conviction history differently.
The General's pricing advantage appears most clearly for drivers with DUI convictions who also need non-owner coverage. Their $75–$110/mo non-owner DUI rate undercuts Bristol West and Dairyland by $15–$25/mo in most Mississippi counties. For standard SR-22 policies covering an owned vehicle after a points-based suspension, GAINSCO and Direct Auto frequently quote $10–$20/mo lower than The General. The only way to determine your specific lowest rate is to request quotes from all five carriers with identical coverage limits and deductible selections.
Get Comparable SR-22 Quotes
The General writes SR-22 policies in Mississippi, but they are one of nine carriers licensed to file electronically with DPS and underwrite non-standard risk. Your suspension trigger, your county, and whether you need non-owner coverage will shift which carrier offers your lowest premium. Request quotes from The General, Bristol West, Dairyland, GAINSCO, and Direct Auto with identical liability limits before you commit to a policy. Mississippi's three-year filing requirement makes a $25/mo rate difference worth $900 over the life of your SR-22 obligation.