Mississippi Hardship License After DUI
Mississippi requires 25/50/25 liability coverage and is an at-fault state.
Get My Hardship-License SR-22 QuoteMississippi at a Glance
25/50/25
Minimum liability limits, in thousands of dollars (per person / per accident / property)
At-fault
The at-fault driver's insurance pays for the damage they cause
Optional
PIP and uninsured motorist coverage are not required by law
$100
State license reinstatement fee
Source: state DMV, insurance department and statute records, verified July 2026
Minimum Coverage Requirements in Mississippi
Mississippi operates under a tort liability system, meaning the at-fault driver pays for damages. After a DUI conviction, the Department of Public Safety mandates SR-22 filing for 3 years from conviction date, and the filing clock restarts entirely if coverage lapses even one day.
SR-22 Insurance
Non-Owner SR-22
Liability Insurance
Uninsured Motorist Coverage
What Drivers Pay in Mississippi
$228–$404/mo
Typical monthly rate in Mississippi, high-risk drivers after a DUI
Rate data: ValuePenguin and Insurify, 2026
What Affects Your Rate
- BAC level at arrest—Mississippi applies steeper surcharges for BAC .15 or higher, often doubling the base DUI increase.
Drive Legally on Your Restricted License
Get My Hardship-License SR-22 QuoteIf your license is suspended
Ignition interlock-restricted license (DUI, court-ordered, Miss. Code §63-11-31). A separate DPS Hardship Drivers License is a teen (15-17) school-need permit unrelated to suspensions.
A restricted license is available while suspended.
A coverage lapse is reported
The state can act when your insurance lapses.
Source: state DMV, insurance department and statute records, verified July 2026
Frequently Asked Questions
How long is SR-22 required after a DUI in Mississippi?
Mississippi requires SR-22 filing for 3 years from the date of DUI conviction, not from the date you obtain insurance or file the SR-22. If your coverage lapses even one day during that period, the Mississippi Department of Public Safety suspends your license immediately and the 3-year clock restarts from zero when you refile.
Can I get a hardship license immediately after a DUI in Mississippi?
No. Mississippi imposes a 30-day waiting period for first-offense DUI before you can apply for a Restricted License, and 90 days for second-offense or aggravated DUI (BAC .15 or higher). You must also complete the Alcohol Safety Education Program and obtain SR-22 insurance before the Mississippi Department of Public Safety will process your Restricted License application.
What is a Restricted License in Mississippi?
A Restricted License is Mississippi's official term for a hardship license that allows limited driving during DUI suspension. It permits travel to and from work, school, medical appointments, court-ordered programs like ASEP or substance abuse treatment, and grocery shopping within a 50-mile radius of your residence. Driving outside approved purposes or hours results in immediate revocation and extends your suspension period.
Coverage Types
SR-22 Insurance
Certificate filed by your insurer proving continuous liability coverage to the Mississippi Department of Public Safety. Required for 3 years after DUI conviction.
Non-Owner SR-22
Liability-only policy for drivers who don't own a vehicle but need SR-22 filing to satisfy state requirements or obtain a hardship license.
Ignition Interlock Insurance
Coverage for vehicles equipped with court-ordered ignition interlock devices. Some carriers exclude IID-equipped vehicles or charge surcharges.
Restricted License SR-22
SR-22 filing paired with Mississippi's hardship Restricted License, allowing limited driving for work, school, medical care, and court-ordered programs during suspension.
Liability Insurance
Covers bodily injury and property damage you cause to others. Mississippi minimum is 25/50/25, but post-DUI carriers often require higher limits.
Non-Standard Auto Insurance
Specialized carriers that insure high-risk drivers standard insurers reject. Common after DUI, multiple violations, or license suspension.