Michigan SR-22 & High-Risk Auto Insurance
Michigan requires 50/100/10 liability coverage and is a no-fault state.
Find SR-22 Coverage NowMichigan at a Glance
50/100/10
Minimum liability limits, in thousands of dollars (per person / per accident / property)
No-fault
Each driver's own policy pays their injuries first, whoever caused the crash
Required
PIP coverage must be on every policy
$125
State license reinstatement fee
Source: state DMV, insurance department and statute records, verified July 2026
State Requirements
The state also requires unlimited personal injury protection (PIP) unless you opt out with qualifying health insurance. Drivers with DUI convictions, multiple violations, or license suspensions may be required to file SR-22 proof of insurance with the Michigan Secretary of State for 2 years.
Bodily Injury Liability
Property Damage Liability
Personal Injury Protection (PIP)
SR-22 Certificate of Insurance
Uninsured/Underinsured Motorist Coverage
Cost Overview
$646–$670/mo
Typical monthly rate in Michigan, drivers with an SR-22 after a DUI
Rate data: ValuePenguin and NerdWallet, 2026
What Affects Your Rate
- Carrier availability: Non-standard insurers dominate Michigan's high-risk market, with fewer options than standard-risk drivers
See What Your SR-22 Should Really Cost
Find SR-22 Coverage NowIf your license is suspended
Restricted license (offense-specific; incl. Specialty/Sobriety Court restricted license)
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 do I need SR-22 in Michigan?
Michigan requires SR-22 filing for 2 years from the date your insurer files the certificate with the Secretary of State. You must maintain continuous coverage throughout the entire period without any lapses. If your policy cancels or lapses, your license is suspended immediately and the 2-year requirement restarts from the date you refile.
Which insurance companies offer SR-22 in Michigan?
Non-standard carriers dominate Michigan's SR-22 market, including regional and national high-risk insurers, though specific carrier availability varies by location and violation type. Detroit has fewer options than outstate areas. Your best approach is comparing quotes from multiple non-standard carriers through an independent agent familiar with high-risk placements.
Does Michigan require SR-22 for suspended license?
Yes, Michigan requires SR-22 filing for most license suspensions caused by DUI convictions, multiple violations, at-fault accidents without insurance, or accumulating 12+ points within 2 years. The Secretary of State will specify SR-22 filing as a condition of reinstatement, and you must maintain it for 2 years after reinstatement.
Coverage Types
SR-22 Insurance
Mandatory certificate filed by your insurer proving continuous coverage to the Michigan Secretary of State. Required for 2 years following DUI convictions, suspensions, or multiple violations.
Liability Insurance
Covers bodily injury and property damage you cause to others. Michigan requires $50,000/$100,000 bodily injury and $10,000 property damage minimums.
Personal Injury Protection
No-fault coverage for your medical expenses, lost wages, and rehabilitation regardless of who caused the accident. Michigan allows opt-downs to $500,000, $250,000, or $50,000 with qualifying health insurance.
Uninsured Motorist Coverage
Optional coverage that protects you if hit by a driver with no insurance or insufficient limits. Especially valuable in urban areas with higher uninsured driver rates.
Non-Standard Auto Insurance
Coverage from carriers specializing in high-risk drivers with DUIs, suspensions, or SR-22 requirements. Rates are higher but acceptance is broader than standard insurers.
Full Coverage
Combines liability, PIP, comprehensive, and collision coverage. Required by lenders for financed or leased vehicles and provides maximum protection.