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SR-22 Insurance in Michigan

An SR-22 is a certificate of financial responsibility your insurer files with Michigan on your behalf — usually after a DUI, an uninsured accident or a licence suspension. The filing fee is small. The policy behind it is not: expect roughly $5,926 a year in Michigan against $3,136 for the same driver with a clean record.

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Car insurance calculator — Michigan

Estimated from state average premiums and your rating factors. Not a quote.

Your estimated premium
$261/ month
$3,136 per year · carriers in Michigan typically quote $2,226 – $4,327
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We may be paid a referral fee when you request quotes through partner links on this page. It never changes what you pay. Estimates are modelled, not quoted — see our methodology.

What violations cost in Michigan

Driving recordEst. annualIncrease
Clean record$3,136—
1 speeding ticket$3,857+23%
1 at-fault accident$4,609+47%
DUI / DWI$5,926+89%

What a violation costs a 35-year-old in Michigan. Surcharges normally stay on the policy for three to five years.

Coverage your SR-22 policy must carry

An SR-22 certifies that you hold at least Michigan's statutory minimum limits. Anything less and the filing is invalid.

Required coverage in MichiganMinimum limit
Bodily injury liability, per person$50,000
Bodily injury liability, per accident$100,000
Property damage liability$10,000
PIP (selectable levels)Required
Property Protection $1,000,000Required
Insurance systemNo-fault

How to get an SR-22 in Michigan

Frequently asked questions

▸How much does SR-22 insurance cost in Michigan?
The SR-22 filing itself is a one-off administrative fee, normally $15–$50. The real cost is the policy behind it: a Michigan driver with a DUI is estimated at $5,926 a year for full coverage against $3,136 with a clean record — an increase of about 89%.
▸What is an SR-22 in Michigan?
An SR-22 is not insurance. It is a certificate your insurer files with the Michigan motor vehicle authority confirming you carry at least the state minimum liability limits. It exists so the state is notified the moment your policy lapses.
▸Who needs an SR-22 in Michigan?
Typically drivers convicted of DUI or DWI, drivers caught without insurance, drivers involved in an at-fault crash while uninsured, drivers with repeated serious violations, and anyone reinstating a suspended licence.
▸How long do I need an SR-22 in Michigan?
Three years is the most common requirement, though Michigan courts can order longer for repeat offences. The clock restarts if the policy lapses, so continuous cover matters more than the calendar date.
▸Which companies file SR-22s in Michigan?
Progressive, The General, Direct Auto and most non-standard carriers file SR-22s routinely. Several standard insurers will decline the risk outright, which is why the quoted price gap after a DUI is so wide — shop specifically for carriers that advertise SR-22 filing.

Also see average car insurance rates in Michigan.

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