Non-Owner SR-22 — Mississippi
Non-owner SR-22 is liability insurance for drivers without a vehicle who need to file proof of financial responsibility with the state.
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What Is Non-Owner SR-22 Insurance?
Non-owner SR-22 provides liability coverage when you drive a borrowed or rented vehicle, and pairs that coverage with an SR-22 certificate filed directly with the Mississippi Department of Public Safety. The policy covers bodily injury and property damage you cause to others while driving a car you don't own. It does not cover damage to the vehicle you're driving or your own injuries.
Who Needs Non-Owner SR-22 Insurance?
You need non-owner SR-22 if Mississippi suspended your license and you do not own a vehicle but need to file proof of financial responsibility for reinstatement. This applies to suspensions for DUI, reckless driving, at-fault accidents without insurance, accumulating 12 points in 24 months, or failing to pay a judgment from an accident. You also need it if you drive borrowed or rented cars occasionally and must maintain continuous SR-22 filing to avoid restarting your three-year requirement.
Check your suspension notice or reinstatement letter from Mississippi DPS to confirm whether SR-22 filing is required—not all suspensions require it. If SR-22 is required and you do not own a vehicle, non-owner SR-22 is your only reinstatement option. If you own or regularly use a vehicle, you need standard SR-22 coverage on that vehicle, not a non-owner policy.
How Much Does Non-Owner SR-22 Insurance Cost?
- Your credit-based insurance score in Mississippi—poor credit can double your premium compared to good credit, even with identical driving records.
- The SR-22 filing duration remaining—some carriers offer modest discounts in year two or three if no new violations occur.
