Michigan SR-22 & Post-SR22 Auto Insurance Rates
Michigan requires 50/100/10 liability coverage and is a no-fault state.
Compare Rates After SR-22Michigan 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
Minimum Coverage Requirements in Michigan
Drivers with DUI convictions, at-fault uninsured accidents, repeat traffic violations, or license suspensions typically must file SR-22 proof of financial responsibility for 2 years.
Liability Insurance
Personal Injury Protection (PIP)
Property Protection Insurance (PPI)
Uninsured Motorist Coverage
SR-22 Insurance
What Drivers Pay in Michigan
$362–$670/mo
Typical monthly rate in Michigan, high-risk drivers after a DUI
Rate data: ValuePenguin and Insurify, 2026
What Affects Your Rate
- Time since SR-22 requirement ended — 12-month mark typically triggers the first major rate drop
- Violation type — DUI carries longer rate impact (5–7 years) than minor moving violations (3–5 years)
- Clean driving during SR-22 period — zero violations while SR-22 was active qualifies for 'good risk' reclassification at many carriers
Shop Again Now That Your Filing Has Ended
Compare Rates After SR-22If 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
Coverage Types
Liability Insurance
Pays for injuries and property damage you cause to others. Michigan's $50,000/$100,000/$10,000 minimums are low — a serious accident can easily exceed $100,000 in medical costs alone.
Full Coverage
Combines liability, collision, comprehensive, and Michigan's mandatory PIP and PPI. Required by lenders if you're financing a vehicle, and strongly recommended for post-SR22 drivers to avoid out-of-pocket costs from another incident.
Comprehensive Coverage
Covers non-collision damage: theft, vandalism, weather, animal strikes. Pays out minus your deductible, typically $250–$1,000.
Uninsured Motorist Coverage
Protects you if you're hit by a driver with no insurance or insufficient coverage. Pays your medical bills and vehicle damage up to your policy limits.
SR-22 Insurance
A state-filed certificate proving you maintain required coverage. Not a separate policy — your insurer adds SR-22 to your existing coverage and reports lapses to the Michigan Secretary of State.
Non-Standard Auto Insurance
Coverage from carriers specializing in high-risk drivers, including those with recent SR-22 filings, DUIs, or multiple violations. Rates are higher than standard market but provide access when preferred carriers decline.