A Hardship Driver’s License in the State of Mississippi is a limited use license issued by the Mississippi Department of Motor Vehicles. The hardship license is issued administratively in accordance with statutes or by order of the court to an applicant whose driving privileges are under suspension. This license allows the applicant to drive during the period of suspension to earn a livelihood or to maintain the necessities of life. In many instances, the installation of an ignition interlock device will be required.
While your driver’s license is suspended or revoked, you may be eligible to receive a hardship driver’s license. While maintaining a hardship license, the State of Mississippi will require you to carry a mandatory SR-22 insurance policy. An SR-22 insurance policy is a certificate of liability insurance from an insurance company authorized to do business in Mississippi. If a vehicle is not owned by the applicant, a non-ownership policy may be issued. An SR-22 binder with the binder clause and number can be accepted in lieu of the original SR-22 filing for 90 days only. An SR-22 filing may be required on a Refusal of a chemical test or Driving While Intoxicated conviction before issuance of a hardship license.
We recommend speaking with an attorney about the length of time you will need to carry an SR-22 insurance policy. The typical term is maintaining a policy for 3 years. It could possibly call for the policy to last up to 5 years or more. It is mandatory to maintain the high-risk insurance coverage during the time frame that the court mandates. If the policy lapses or cancels for any reason your license will be suspended, and you typically will have to start the process all over again.
The State of Mississippi may also require you to install an ignition interlock device in your vehicle and complete a DUI program. An ignition interlock device is an in-car breath alcohol screening device that is connected to the vehicle’s engine ignition system and prevents the vehicle from starting if the device detects a blood alcohol level at or above a preset limit. You will be required to have a lease and installation agreement which is documented proof that the ignition interlock device has been properly leased and installed in a vehicle. Below we have included information from the State of Mississippi to assist you with this process.
We recommend you fill out our contact form. Once completed, an SR-22 insurance specialist will call or email you within 24 hours.
The State of Mississippi law mandates that every automobile insurance policy sold in the state must have these minimum coverages:
The minimum amount of Mississippi auto insurance coverage is $25,000/$50,000/$25,000. In the event of a covered accident, your limits for bodily injury are $25,000 per person, with a total maximum of $50,000 per incident. It also covers up to $25,000 for damage to another person’s property.