Non-owner car insurance in Mississippi

Which insurers offer non-owner coverage in Mississippi?

Quotes were collected for 7 companies here, listed from cheapest up. Only military families can buy from USAA, whose price is $147.

The minimum liability coverage Mississippi sets for rented and borrowed cars

The Mississippi Insurance Department auto page requires liability of at least $25,000 for one person's injury, with a $50,000 total for everyone hurt in a crash. When property is damaged, each accident requires $25,000 in coverage. The limits came into force on January 1, 2006.

Liability coverage pays other people for harm you cause, capped at those limits. The department warns that 25/50/25 may be too low after a serious crash. Any cost above your limits can become your responsibility, so an agent can quote you higher amounts on a non-owner policy, too.

Which drivers must send an SR-22 filing to Mississippi DPS?

The three SR-22 years in Mississippi begin on the accident date, when the at-fault driver lacked liability coverage. A DUI conviction triggers its own three-year requirement to prove you have insurance.

The state receives an SR-22 from your insurer, showing that you carry liability coverage. The Mississippi driver manual calls for one after you cause a crash while uninsured that injures a person or harms property. The company issuing it must hold a license in Mississippi.

A time limit also starts when a crash causes death, injury, or at least $1,000 in damage. From that point, you get 60 days to show you can cover the losses. The simplest proof is a policy that was active on the day of the crash. You can also put down a deposit, obtain a signed release, or show a court ruling that frees you from liability.

Cases involving DUI go to the DPS DUI Department. A first conviction means you lose your license for 120 days, but a judge may instead require an interlock-restricted license. After that come three years of insurance proof and the MASEP alcohol course. If you are convicted again within five years, the suspension lasts one year, unless an interlock is ordered. If you do not own a car, a non-owner policy can satisfy the filing.

What the Mississippi Driver Service Bureau charges to reinstate a license

For a judgment, a suspension citation, a missed court date, or a missed payment, the DPS reinstatement fee table lists a $100 cost. When DUI or drugs are part of the case, the fee is $175. Mailed payments must be made by money order or a certified cashier's check. Personal checks will not be accepted.

After a DUI, the Driver Service FAQ says to go to a Driver Service Bureau office near you. Show current proof of insurance, and then pay your fee at the counter. Getting an interlock-restricted license costs $56, and there is an extra $175 interlock charge.

Mississippi rates by age

About $1,380 per year is what teens pay. At age 40, minimum coverage on a car you own averages $628 per year, which is about $154 higher than a non-owner policy costing $474.