Question 1

What does non-owner car insurance cover in Mississippi?

Accepted Answer

A Mississippi non-owner policy covers bodily-injury and property-damage liability when you drive a car you do not own — at least the state's 25/50/25 minimum. It never covers physical damage to the car being driven, because you own no vehicle to insure. Most non-owner policies in Mississippi also include uninsured-motorist coverage, even though the state does not mandate it.

Question 2

Can I get an SR-22 without owning a car in Mississippi?

Accepted Answer

Yes. A non-owner SR-22 satisfies Mississippi's three-year proof-of-insurance requirement without an owned vehicle. Dairyland, GAINSCO, Geico, Progressive, The General, and USAA write non-owner policies in Mississippi and can file the SR-22. State Farm writes SR-22 policies but does not confirm non-owner availability in Mississippi.

Question 3

Which carriers write non-owner insurance in Mississippi?

Accepted Answer

Six carriers write non-owner policies in Mississippi: Dairyland, GAINSCO, Geico, Progressive, The General, and USAA. All six can also file a non-owner SR-22 if the Mississippi Department of Public Safety or a court requires it. Allstate, Farmers, Hartford, Liberty Mutual, Nationwide, Shelter, Southern Farm Bureau, and Travelers are licensed in Mississippi but do not confirm non-owner availability.

Question 4

How long does Mississippi require SR-22 filing after a DUI?

Accepted Answer

Mississippi requires SR-22 filing for three years after a DUI conviction, measured from the conviction date under Miss. Code Ann. § 63-11-30. Cancellation of the SR-22 during the three-year period triggers automatic re-suspension. A non-owner SR-22 satisfies this requirement if you own no car.

Question 5

Does a non-owner policy cover rental cars in Mississippi?

Accepted Answer

Yes, but as secondary coverage. A Mississippi non-owner policy provides liability coverage when you rent a car, sitting behind any coverage the rental agency offers. If you decline the rental agency's insurance, your non-owner policy becomes primary liability. The policy never covers physical damage to the rental car — collision-damage waiver from the rental agency or a credit-card benefit covers that risk.

Question 6

What is Mississippi's minimum liability requirement for non-owner insurance?

Accepted Answer

$25,000 bodily injury per person, $50,000 per accident, and $25,000 property damage — the 25/50/25 minimum. A non-owner policy in Mississippi must carry at least these limits. You can select higher limits — 50/100/50 or 100/300/100 — for greater protection when you cause a serious accident.

Question 7

Can I get a restricted license in Mississippi without owning a car?

Accepted Answer

Yes. Mississippi's restricted license (issued by the Department of Public Safety Driver Services Bureau after a valid court order) requires proof of SR-22 insurance filing, and a non-owner SR-22 satisfies this requirement. Miss. Code Ann. § 63-11-30 imposes a mandatory 30-day hard suspension for first DUI offenders before a restricted license petition can be heard; petitioning before this period expires will be denied.

Coverage	Minimum
Bodily Injury (per person)	$25,000
Bodily Injury (per accident)	$50,000
Property Damage	$25,000

Non-Owner Car Insurance — Mississippi

Mississippi Minimum Coverage

Get non-owner SR-22 coverage without owning a vehicle

Coverage Types

Non-Owner Liability Insurance

Non-Owner SR-22 Insurance

Uninsured Motorist Coverage

Non-Standard Auto Insurance

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