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Key Takeaways

  • You must submit an SR-22 in Michigan after a serious violation like DUI or if you get caught while driving without insurance.
  • With a yearly average rate of $1,202, Nationwide offers the most affordable Michigan SR-22 insurance. 
  • SR-22 insurance in Michigan requires you to have a bodily injury liability coverage of $50,000 per person and $100,000 per accident. Property damage liability should be $10,000 per accident. Additionally, the insurance should cover $250,000 as PIP and $1,000,000 as PPI.

What Is SR-22 Insurance in Michigan?

In Michigan and elsewhere, SR-22 insurance is not a type of auto insurance coverage. Rather, it is a form submitted by your insurer on your behalf. Drivers with a history of major traffic violations, such as a DUI, DWI, or repeated traffic offenses, must submit this form.

Submitting a Michigan SR-22 insurance form confirms that your auto insurance policy meets the state’s minimum liability coverage criteria. In addition, be aware that insurance is far more expensive after a DUI than having a clean record. Finally, it is significant to remember that a DUI in Michigan will result in license suspension and can even call for community service or jail time.

Cheapest Companies For Sr-22 Insurance In Michigan

Due to the severity of the traffic violations, Michigan SR-22 insurance is typically more expensive than typical auto insurance coverage. Also, high-risk violations like a DUI conviction or reckless driving will result in higher car insurance premiums. For instance, a driver in the state pays $1,941 annually for auto insurance with basic liability coverage.

Likewise, a policy will cost an average of $10,003 annually for those with SR-22 because of a DUI. The most affordable insurer of SR-22 insurance in Michigan for drivers is Nationwide, with an average annual premium of $1,202. With a yearly average rate of $1,448, USAA offers the second-most affordable Michigan SR-22 insurance.

To find cheap SR-22 insurance in Michigan, it is always best to get quotes from multiple insurers, compare, and buy the cheapest one. The following are the rates of cheap SR-22 insurance in Michigan.

Insurer Average annual rate
Nationwide $1,202
USAA $1,448
Progressive $2,785
Metlife $3,546
Mercury $4,065
Auto-Owners $4,220
Esurance $4,858
Hanover $11,279
State Farm $11,507

Who Needs SR-22 Insurance in Michigan? For How Long Do They Need It?

A driver won’t need to file an SR-22 in Michigan for relatively small offenses like a citation or accident. Insurance prices will go up if you have a poor history due to violations, but not as much as for individuals who need an SR-22. The driving offenses that call for SR-22 insurance may change depending on state laws. However, some violations in Michigan and other states likely require filing an SR-22. The following offenses will make you file SR-22 insurance in Michigan.

The seriousness of your driving violation will impact how long you will require SR-22 insurance in Michigan. Ideally, it is three years. Michigan SR-22 insurance confirms that your policy satisfies the state’s minimum liability requirements, which include the following.

  • Bodily injury liability – $50,000 per person and $100,000 per accident
  • Property damage liability - $10,000 per accident
  • Personal injury protection (PIP) - $250,000
  • Property protection insurance (PPI) - $1,000,000

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How Do You Get SR-22 Insurance in Michigan?

Upon your request, your insurer will file your SR-22 insurance in Michigan. However, some insurers can decide not to insure you since SR-22 insurance is only available to high-risk drivers. In this circumstance, you will need to discover an insurance company that does. In addition, insurance companies that provide coverage for drivers with SR-22 insurance may charge you higher premiums.

SR22 Insurance in Michigan: Who has the lowest price (by city)

The Michigan SR-22 insurance rates vary by city. The following are the citywide rates for SR-22 insurance in Michigan.

City Full coverage cost
Dearborn Heights $158
Taylor $194
Pittsfield $189
Mount Pleasant $170
Kalamazoo city $183
West Bloomfield $183
Bay City $163
Redford $177
Muskegon city $160
Eastpointe $158
Jackson $184
Commerce $175
St. Clair Shores $190
East Lansing $163
Flint city $184
Meridian $169
Allen Park $189
Farmington Hills $175
Brownstown $185
Oak Park $169
Rochester Hills $166
Madison Heights $173
Novi city $194
Royal Oak city $180
Ann Arbor city $182
Burton $167
Georgetown $185
Macomb $178
White Lake $162
Midland city $189
Canton $160
Ypsilanti $168
Grand Rapids city $160
Warren city $181
Roseville $165
Delhi $167
Lincoln Park $166
Flint $170
Northville $178
Pontiac $175
Dearborn $171
Garden City $180
Independence $187
Gaines charter township $179
Washington Township $181
Shelby $192
Delta $160
Van Buren $176
Holland city $186
Chesterfield $167
Orion $193
Saginaw city $174
Sterling Heights $163
Wyoming $179
Plainfield charter township $174
Plymouth $170
Southgate $193
Grand Blanc $158
Detroit $166
Waterford $182
Bedford township $179
Saginaw $184
Allendale $169
Port Huron city $172

Does Michigan require an SR-22?

Yes, it does. There are several reasons why Michigan might insist that you carry this insurance. The following are a few reasons that might urge you to carry SR-22 insurance.

  • At Fault Collision: If your negligence causes a collision, you may need SR-22 insurance on file for a specific period.
  • Speeding: you will require Michigan SR-22 insurance for a specific period if you are guilty of driving more than 20 miles above the posted speed limit.
  • Racing: Like speeding, racing in prohibited areas may result in a judge ordering you to obtain an SR-22 policy as a high-risk driver.
  • Leaving the Scene: If you refuse to stay at the scene of an accident, a judge may compel you to carry SR-22 insurance as a high-risk driver for a specific period.
  • DUI: One of the most frequent reasons why an SR-22 is necessary is DUI. The requirement for SR-22 insurance, in addition to additional penalties and fines, results from driving after drinking.
  • Excessive Points on Driving Record: Suppose you have too many points on your driving record due to excessive traffic violations. Then the court may order you to buy SR-22 insurance as a high-risk driver.

A driver must carry SR-22 insurance after committing an offense that results in the suspension of their license, such as a DUI, racking up points, or being at fault in an accident. It is required to reinstate their license. Depending on the type of violation, the court might also impose additional conditions before allowing you to reinstate the license. A driver must file SR-22 insurance with the Michigan DMV to get their temporary license or reinstate it.

Are there different types of Michigan SR-22 insurance forms?

Yes. There are three types of SR-22 insurance forms in Michigan. The type you need depends on your circumstance and whether you own a car or not.

  • Operator’s SR-22 Insurance: Provides coverage for drivers who drive cars but do not own them.
  • Owner’s SR-22 Insurance: It protects the financial responsibility of drivers who own and drive a car.
  • Operator’s-Owner’s Certificate Insurance: Commonly known as non-owner SR-22 insurance, it provides coverage for financial liability for all cars a driver owns or leases.

Non-Owner SR-22 Insurance in Michigan

Customers who don’t currently own a car but require an SR-22 should check into non-owner Michigan SR-22 insurance. Drivers who don’t own a car but must still present the state with proof of insurance get covered by the non-owner policy. It’s crucial to remember that if someone in your house drives a car, this option might not always be available.

The average annual rate for non-owner SR-22 insurance in Michigan is around $7,617. The rates will differ based on the insurer. USAA offers the most affordable Michigan non-owner SR-22 insurance with an average annual rate of $686. If you don’t qualify for USAA, the next best choice in the state is Progressive, which has an average annual rate of $4,074.

Insurer Average annual rate
USAA $686
Progressive $4,074
Nationwide $4,135
Travelers $15,732

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What are the limitations of Michigan SR-22 insurance coverage?

Suppose you are found driving the insured car as part of a crime. In that case, your SR-22 insurance policy may be void, depending on the terms and conditions of your particular policy. Additionally, you could discover the types and amounts of coverage you can get will be limited during the period you maintain an SR-22. Once you meet your obligations and are no longer required to keep an SR-22 on file, you can acquire insurance of different types and amounts.

How do I file a Michigan SR-22 insurance form?

Your insurance provider will submit the required SR-22 paperwork to the Michigan Secretary of State once you find a Michigan SR-22 insurance provider and purchase a policy. There will be a processing charge that varies based on the agencies.

Your paperwork, including your new insurance cards from your insurer and a letter from the Michigan Secretary of State, should arrive in the mail in 2-4 weeks. You must maintain your Michigan SR-22 insurance for three years.

Michigan SR-22 Insurance: The Bottom Line

SR-22 Needed After Serious traffic offense and/or suspension of the license
Required For Three years
Average Rate Increase $117
Minimum Bodily Injury Liability Coverage $50,000 per person / $100,000 per accident
Minimum Property Damage Liability Coverage $10,000
Additional coverage required

Personal injury protection – $250,000

Property protection insurance – $1,000,000

Auto Insurance Data Methodology

The auto insurance rates published in this guide are based on the results of research completed by’s data team. Using a mix of public and internal data, we analyzed millions of rate averages across U.S. ZIP codes.

Quotes are typically based on a full coverage policy average unless otherwise noted within the content.

These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes will differ. Given this, it’s important to go through our insurance steps form to find how much you can save with


What Michigan drivers need an SR-22?

In Michigan, SR-22 insurance is a legal requirement for drivers who engage in major traffic violations like drunken driving, reckless driving, or multiple violations. It is a declaration that your auto insurance coverage satisfies the state’s minimum liability requirements.

How much does SR-22 insurance cost compared to a standard policy in Michigan?

A driver in the state pays $1,941 annually for auto insurance with basic liability coverage. Meanwhile, a similar policy costs an average of $10,003 annually for those with SR-22 because of a DUI.

Who has the cheapest SR-22 insurance in Michigan?

Nationwide offers the state’s cheapest SR-22 insurance with an average annual rate of $1,202.

How long do Michigan drivers need an SR-22?

The severity of conviction will determine how long drivers should have Michigan SR-22 insurance. Ideally, they should maintain it for three years.

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