SR22 Coverage Info
Get a Quote

Michigan SR-22 & High-Risk Auto Insurance

Michigan requires SR-22 filing for DUI convictions, license suspensions, and certain violations. Filing lasts 2 years and costs $20–$50, but high-risk premiums average $3,600–$7,200 annually depending on your violation and driving history.

Compare Michigan Auto Insurance

Non-Standard Auto · SR-22 · Senior · Teen Drivers

Liability Coverage — insurance-related stock photo
Quotes from state-licensed insurance professionals
Licensed Agents Only
Free to request, no commitment required
No Obligation
No cost to you
Free to Use
Your contact information is protected
TCPA-Compliant
Updated July 2026

State Requirements

Michigan requires all drivers to carry minimum liability coverage of $50,000 bodily injury per person, $100,000 bodily injury per accident, and $10,000 property damage. 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. High-risk drivers often pay 150–300% above standard rates during the SR-22 period.

Michigan cityscape and street view
$50,000/$100,000 minimum
Bodily Injury Liability
Covers injuries you cause to others in an at-fault accident. Michigan's minimum limits are higher than many states but may still leave you exposed in serious accidents. High-risk drivers should consider $100,000/$300,000 or higher to protect against lawsuits, as insurers may scrutinize claims more closely after violations.
$10,000 minimum
Property Damage Liability
Covers damage you cause to another person's vehicle or property. Michigan's $10,000 minimum is low and rarely covers modern vehicle repair costs. High-risk drivers face higher out-of-pocket exposure if they cause an accident that exceeds this limit, making $25,000–$50,000 coverage a practical choice.
Unlimited or opted-down with qualifying health insurance
Personal Injury Protection (PIP)
Covers your own medical expenses, lost wages, and rehabilitation costs regardless of fault. Michigan allows drivers with qualifying health insurance to opt down to $500,000, $250,000, $50,000, or opt out entirely if covered by Medicaid or certain health plans. High-risk drivers should weigh PIP costs carefully, as unlimited coverage significantly increases premiums that are already elevated due to violations.
Maintains state minimum coverage
SR-22 Certificate of Insurance
Not insurance itself, but a certificate your insurer files with the Secretary of State proving you carry continuous coverage. Required for 2 years following DUI convictions, license suspensions, or multiple violations in Michigan. Your insurer charges $20–$50 to file, and any lapse triggers license re-suspension and restarts the 2-year clock.
Not required but recommended
Uninsured/Underinsured Motorist Coverage
Optional in Michigan but valuable for high-risk drivers who may encounter uninsured drivers in urban areas. Covers you if hit by a driver with no insurance or insufficient limits. High-risk drivers can add this coverage for approximately $10–$30 per month, providing protection that state minimums do not.
State-Mandated Minimum Coverage · Michigan

Michigan Minimum Coverage

CoverageMinimum
Bodily Injury (per person)$50,000
Bodily Injury (per accident)$100,000
Property Damage$10,000

License Reinstatement Fee$125

Meeting the state minimum keeps you legal. See whether it's enough — get your Michigan quote.

Get your Michigan quote

Cost Overview

High-risk auto insurance in Michigan costs substantially more than standard coverage due to mandatory PIP requirements combined with violation surcharges. Drivers with DUI convictions, SR-22 requirements, or multiple at-fault accidents typically pay $3,600–$7,200 annually, compared to $1,800–$3,000 for clean-record drivers. Rates vary widely by violation type, opt-down PIP selections, and whether you live in high-cost cities like Detroit.

What Affects Your Rate

  • Type of violation: DUI convictions increase rates 150–250%, while multiple speeding tickets raise rates 50–100%
  • PIP selection: Opting down from unlimited PIP to $50,000 can reduce premiums by $1,200–$2,400 annually for high-risk drivers
  • Location: Detroit high-risk rates average $6,000–$9,000 annually, while Grand Rapids averages $3,600–$5,400
  • SR-22 filing period: Rates remain elevated throughout the 2-year requirement and typically decrease 20–40% once filing is released
  • Time since violation: Most carriers reduce surcharges by 10–15% each year after the first year of the SR-22 period
  • Carrier availability: Non-standard insurers dominate Michigan's high-risk market, with fewer options than standard-risk drivers
Minimum Coverage with SR-22
$300–$450/mo
State minimum liability with SR-22 filing and opted-down PIP to $50,000. Lowest legal option but leaves significant personal exposure in serious accidents.
Standard High-Risk Coverage
$400–$550/mo
Increased liability limits ($100,000/$300,000), $250,000 PIP, and SR-22 filing. Better protection for drivers working to rebuild their record after violations.
Full Coverage with SR-22
$500–$600/mo
Comprehensive and collision added to higher liability limits and $500,000 PIP. Required for financed vehicles and provides maximum protection despite elevated cost.

Get SR-22 insurance quotes — most carriers file the same day

Compare rates from carriers that write SR-22 policies in your state. Coverage can start today.

Get Your Free Quote
✓ Same-Day SR-22 Filing✓ No Obligation✓ Licensed Carriers✓ All Violation Types

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.

Find Your City in Michigan

Aerial view of city skyline with downtown buildings, stadium, and highway interchanges at sunset

Detroit

urban
Urban river view with modern skyscrapers and office buildings along the waterfront under blue sky

Grand Rapids

urban
Warren, Michigan cityscape and street view

Warren

suburban
Sterling Heights, Michigan cityscape and street view

Sterling Heights

suburban
Ann Arbor, Michigan cityscape and street view

Ann Arbor

suburban
Lansing, Michigan cityscape and street view

Lansing

urban
Aerial view of a winding road through vibrant autumn forest with golden and orange fall foliage

Dearborn

suburban
Peaceful autumn forest path with golden yellow trees and fallen leaves covering the ground

Clinton Township

suburban
Autumn residential street with fallen leaves on wet pavement, suburban houses and bare trees under overcast sky

Livonia

suburban
Quiet suburban street lined with autumn trees showing fall colors under blue sky

Troy

suburban
Suburban residential street at dusk with trees, parked cars, houses, and yellow traffic sign

Westland

suburban
Cars parked along both sides of a tree-lined residential street during golden hour lighting

Flint

urban

Frequently Asked Questions

Get Your Free Quote in Michigan