SR-22 insurance in Michigan isn’t a type of insurance but rather a certificate of financial responsibility that some drivers must file. It’s often required for individuals who have been convicted of certain driving-related offenses, such as DUI, driving without insurance, reckless driving or multiple traffic offenses.
Your insurance company submits the SR-22 form to the Michigan Department of Motor Vehicles (DMV) on your behalf. It proves that you carry the minimum liability insurance required by the state. Make sure to keep your insurance active for the duration mandated by the court or DMV.
This guide outlines what SR-22 insurance covers in Michigan and explains how it impacts your annual premium rates should you require SR-22.
Who needs an SR-22 in Michigan?
In Michigan, individuals whose driving licenses were suspended or revoked due to certain violations may be required to obtain an SR-22.
Below are the violations that can trigger this requirement:
- DUI or DWI (driving under the influence or driving while intoxicated) conviction
- Reckless driving
- Driving without insurance
- Multiple traffic offenses within a short period
- If you’re involved in an accident and don’t have car insurance, the DMV may suspend your license and require you to file an SR-22
- Nonpayment of fines or penalties if you’re sued after an accident
In Michigan, an SR-22 is generally needed for 3 years, but this duration can differ based on the specific violation. Throughout this period, it’s crucial to maintain at least the minimum car insurance required by Michigan law.
Learn more about how to find out if you still need an SR-22
How do I get an SR-22 in Michigan?
If you need SR-22 insurance in Michigan, you must buy a car insurance policy and have the insurance company file the SR-22 form with the Department of Motor Vehicles (DMV).
Getting the right car insurance:
- Contact your current insurance provider: Many insurers can handle SR-22 filings, but remember that your rates may change. It’s important to confirm whether they offer an SR-22 and if it will affect your premiums.
- Shop for quotes: It’s important to compare quotes from different insurers that offer SR-22 coverage. Disclose your need for an SR-22 so you get accurate estimates.
- Meet state minimum liability limits: Make sure that your coverage meets Michigan’s required minimums, which is 50/100/10.
Filing the SR-22:
- Inform your insurance company about your SR-22 requirement. They will take care of the paperwork and file the form with the DMV for you.
- Pay the fees. There will be a filing fee for the SR-22 from your insurer and the increased premiums due to your high-risk status.
- Maintain continuous coverage. Make sure there is no lapse in the insurance coverage to avoid license suspension by the DMV.
Remember, getting SR-22 insurance may result in higher premiums due to your driving record. Compare car insurance quotes every six months and ask about discounts to get the cheapest car insurance possible.
Discover your options for getting SR-22 insurance without a valid license
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How much is SR-22 insurance in Michigan?
The cost of car insurance in Michigan is $2,371 per year for full coverage with an SR-22, which is $278 higher than the national average of $2,093 annually. However, having a DUI on your driving record can significantly increase your premium to an average of $6,186 per year for full coverage.
Besides the higher premium, many insurance companies charge a small fee to submit the SR-22 form. If your license is suspended, your only option for getting it reinstated is to buy car insurance and file the SR-22 form.
How much is SR-22 insurance per month in Michigan?
Michigan drivers with a DUI can expect to pay an average of $516 a month for full coverage insurance with an SR-22.
Not all insurance companies provide car insurance for high-risk drivers, so you may need to look into various insurers to find the one that does. But be prepared to pay higher premium costs due to driving infractions on your record.
However, by driving responsibly and avoiding speeding tickets, DUIs and other infractions, you can gradually improve your driving record and secure lower insurance rates in the future.
Affordable SR-22 insurance companies by state
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Our apologies, we cannot display the data due to availability or spelling errors. Please check the spelling and try again. For assistance, reach out us via Cheapest SR-22 insurance companies in Michigan
For drivers in Michigan looking for cheap SR-22 insurance, Geico offers the lowest rates at $1,568 annually.
In Michigan, after a traffic infraction such as a DUI, getting SR-22 insurance is mandatory. While the SR-22 form does not impact insurance costs, the offenses that necessitate it typically result in increased premiums. However, there are still insurers in Michigan that offer affordable coverage for high-risk drivers.
| Company | Full coverage rates without SR-22 | Full coverage rates after filling SR-22 |
|---|---|---|
| Geico | 1,553 | 1,568 |
| Progressive | 2,069 | 2,314 |
Find out which providers offer the cheapest SR-22 car insurance
How long do I need SR-22 insurance in Michigan?
You will need an SR-22 in Michigan for a period of 3 years. This document proves to the Michigan DMV that you are maintaining state-mandated coverage.
SR-22 insurance varies by state and the reason you need it. Usually, it’s required for three years but in some cases, it might be longer. For example, if someone has repeat violations, the requirement could extend out to five years, says Dr. James Brau, Joel C. Peterson professor of finance at Brigham Young University.
What happens if I cancel my SR-22 insurance?
Canceling your SR-22 insurance before the mandated period ends can lead to several serious consequences
- Driver’s license suspension: Your insurance company is required to inform the state if your SR-22 is canceled. This will likely lead to your driver’s license being suspended.
- Fines and penalties: Non-compliance with SR-22 requirements may incur additional fines or penalties, adding to the financial consequences of policy cancellation.
- extended probationary period: If your SR-22 was a condition of probation for a driving offense, canceling it could reset the probation clock.
- Insurance premium increase: A lapse in coverage and violations can lead to significant spikes in insurance premiums.
It’s crucial to maintain continuous coverage for the required period. Any gaps or cancellations can result in penalties and suspension of your driver’s license.
How to get an SR-22 removed in Michigan
To get rid of your SR-22, you must wait until the required time period is up. In Michigan, this period is typically 3 years from when you first filed the SR-22.
Brau explains that you should maintain continuous insurance coverage without any lapses. If you cancel your policy or let it expire, the SR-22 will no longer be valid. Wait out the required period. During this time, drive responsibly and maintain your insurance coverage.
“Check with your state’s DMV and confirm the exact duration and any additional requirements for removal. Some states may require you to submit a formal request or provide proof of good driving behavior,” he says.
“Once the required period has passed, ask your insurer to file an SR-26 form with the DMV. This form notifies them that you no longer need an SR-22. After your insurer submits the SR-26, check with the DMV to ensure the SR-22 is officially removed from your record.”
How does an SR-22 affect car insurance rates in Michigan?
The requirement of an SR-22 certificate can increase your car insurance premiums significantly. Most insurance companies consider drivers with SR-22 high risk, resulting in premium hikes.
Your specific increase in rates will vary based on various factors, including your driving record and the reason for the SR-22.
Car insurance can be more expensive after an SR-22, so it’s a good idea to get quotes from different companies to find the best deal. However, maintaining a clean driving record and adhering to SR-22 obligations can lead to decreased insurance rates.
Select your age, gender and type of violation to see average annual SR-22 insurance rates by company.
Note: These rates are for a full coverage policy with limits of 100/300/100 with a $500 deductible.
Non-owner SR-22 insurance for Michigan drivers
If you find yourself in a situation where you need an SR-22 in Michigan but don’t own a car, there is a solution. Non-owner SR-22 insurance can help you reinstate your Michigan driver’s license and meet the requirements.
Non-owner car insurance offers liability coverage for individuals who don’t own a vehicle. An added benefit is that some insurers can file the SR-22 form with the DMV for you, which may be required in certain situations.
Frequently asked questions: SR-22 insurance in Michigan
How do I check my SR-22 status online in Michigan?
You can easily check your SR22 status by visiting the official website of the Michigan DMV and using their online services. Alternatively, you can contact the Michigan DMV by phone to inquire about your SR-22 status, and they can provide you with the required information.
Do I need an SR-1P or SR-22 in Michigan?
Both the SR-22 and SR-1P are forms your insurance company submits to the Michigan DMV, ensuring you meet the mandated liability coverage. For motorcycle riders, mopeds, and scooter users, the SR-1P is the relevant form. If you’ve been caught riding your two-wheeler without insurance or have had your license suspended, you’ll require an SR-1P.
What happens to your SR-22 insurance in Michigan if you move?
An SR-22 requirement stays even when you move to a new state. Find a new insurance company licensed in your current state to file a new SR-22. They must submit the form with both the Michigan DMV and your new state’s DMV to transfer the requirement. Maintain continuous coverage until the new SR-22 is in effect.
SR-22 requirements can vary from state to state, so it’s essential to consult with your new insurance company and the Department of Motor Vehicles (DMV) in your new state to determine the necessary steps.
Does Geico offer SR-22 in Michigan?
Geico provides SR-22 in Michigan, ensuring you meet the state’s insurance requirements and offer adequate coverage required by the state.
Resources & Methodology
Sources
SR-22 Adviser. “SR-22 Requirements by State.” Accessed November 2024.
Methodology
CarInsurance.com commissioned Quadrant Information Services to get SR-22 car insurance rates in Michigan. The rates are based on the sample profile of a 40-year-old driver with a clean driving record and good insurance score. We have compared 50,73,544 from 138 national and regional car insurance companies across 548 cities and 1,468 ZIP codes to evaluate the premiums.
Note: USAA is only available to military community members and their families.
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Guide to car insurance (with rates) in cities of Michigan