Michigan SR-22 & High-Risk Auto Insurance
Michigan requires 50/100/10 liability coverage and is a no-fault state.
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Michigan 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) by default, though drivers can now opt for lower PIP limits if they have qualifying health insurance. Drivers with DUIs, multiple violations, or license suspensions typically must file SR-22 proof of insurance with the Secretary of State for 2 years. Michigan's no-fault system means high-risk drivers face elevated premiums on both liability and mandatory PIP coverage.
Bodily Injury Liability
Property Damage Liability
Personal Injury Protection (PIP)
SR-22 Certificate of Financial Responsibility
Uninsured/Underinsured Motorist Coverage
Cost Overview
$15–$71/mo
Typical monthly rate in Michigan, non-owner policies
Rate data: Insure.com and MoneyGeek, 2026
What Affects Your Rate
- SR-22 duration: Rates remain elevated throughout the 2-year filing period and begin dropping 6–12 months after SR-22 release
- Geographic location: Detroit, Flint, and Saginaw show the highest high-risk premiums due to elevated accident and uninsured motorist rates
- Carrier availability: Non-standard insurers like The General, Direct Auto, and National General write more high-risk policies in Michigan than major carriers
Stay Covered While You Drive Borrowed Cars
Find Coverage After ViolationsIf 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 your license reinstatement date. The clock starts when the Secretary of State reinstates your license after a DUI, suspension, or uninsured accident. If your policy lapses at any point during the 2-year period, your license is re-suspended and the 2-year requirement restarts from the new reinstatement date.
Which insurance companies offer SR-22 in Michigan?
Non-standard carriers that commonly write SR-22 policies in Michigan include The General, Direct Auto, National General, and regional high-risk insurers. Many standard carriers like State Farm and Progressive will drop drivers after DUIs or suspensions, making non-standard insurers the primary option until your record clears.
Do I need SR-22 if my license is suspended in Michigan?
Yes, if your suspension resulted from DUI, driving without insurance, uninsured accident, or accumulating 12+ points. The Michigan Secretary of State requires SR-22 filing as proof of financial responsibility before reinstating your license. You must maintain continuous SR-22 coverage for 2 years from the reinstatement date or face re-suspension.
Coverage Types
SR-22 Insurance
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.
Liability Insurance
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.
Personal Injury Protection (PIP)
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.
Uninsured Motorist Coverage
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.
Non-Standard Auto Insurance
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.
Full Coverage
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.