Michigan SR-22 & High-Risk Auto Insurance

Covers injuries you cause to others in an at-fault accident. Michigan requires $50,000 per person and $100,000 per accident. High-risk drivers with at-fault accidents or DUIs should consider $100,000/$300,000 limits, as state minimums may be inadequate if you cause serious harm and are already facing rate increases from prior incidents.

Pays for damage you cause to another person's vehicle or property. Michigan's $10,000 minimum is among the lowest in the nation and rarely covers full repair costs in serious collisions. High-risk drivers should carry at least $25,000 to avoid out-of-pocket exposure after another claim.

Michigan's no-fault PIP covers medical expenses, lost wages, and rehabilitation regardless of fault. Since 2020, drivers with qualifying health insurance can opt for $50,000, $250,000, or $500,000 PIP limits to lower premiums. High-risk drivers often choose reduced PIP to offset elevated liability costs, but this shifts medical expense risk to your health insurer.

Not insurance itself, but proof your policy meets state minimums and remains active. Required after DUI convictions, multiple violations, uninsured accidents, or license suspensions. The SR-22 must stay on file with the Michigan Secretary of State for 2 years without lapse, or your license is re-suspended immediately.

Protects you if hit by a driver with no insurance or insufficient coverage. Not mandatory in Michigan, but approximately 20% of Michigan drivers are uninsured. High-risk drivers with prior at-fault accidents benefit from UM/UIM coverage to avoid paying out-of-pocket if struck by another uninsured motorist.

Covers Michigan's required liability limits ($50,000/$100,000/$10,000) and SR-22 filing. Reflects reduced PIP opt-down to $50,000 where available. Typical for drivers with DUIs, suspensions, or major violations seeking the lowest legal premium.

Includes increased liability ($100,000/$300,000/$50,000), $250,000 PIP, and uninsured motorist coverage. Recommended for drivers with financed vehicles or prior at-fault accidents who need broader protection while managing elevated premiums.

Adds collision and comprehensive coverage to protect your own vehicle, plus unlimited or $500,000 PIP. Best for drivers with newer cars or loans who cannot afford out-of-pocket replacement costs despite high-risk surcharges.

Proof-of-insurance filing required by the Michigan Secretary of State after DUIs, suspensions, or uninsured accidents. The SR-22 itself costs $15–$35 to file, but the underlying policy often costs $2,800–$5,400 annually due to high-risk surcharges and mandatory no-fault PIP coverage.

Covers bodily injury and property damage you cause to others. Michigan requires $50,000/$100,000/$10,000, but high-risk drivers with prior at-fault accidents should consider $100,000/$300,000/$50,000 to avoid personal asset exposure.

Michigan's no-fault medical coverage pays your medical bills and lost wages regardless of fault. Default is unlimited, but drivers with qualifying health insurance can opt for $50,000, $250,000, or $500,000 limits to reduce premiums.

Pays for injuries and damages if you're hit by a driver with no insurance or insufficient coverage. Not required in Michigan, but approximately 20% of state drivers are uninsured.

Coverage from carriers specializing in high-risk drivers who have been declined by standard insurers. Non-standard policies meet Michigan SR-22 requirements and offer flexible payment plans, but premiums are 30–60% higher than standard market rates.

Combines liability, PIP, collision, and comprehensive coverage. Required by lenders if you finance or lease a vehicle. For high-risk drivers, full coverage often costs $4,800–$8,400 annually due to elevated premiums on all components.