SR-22 insurance in Michigan

Understanding SR-22 insurance in Michigan

SR-22 insurance isn't a separate type of insurance. It's a form your insurance company files with the state to show that you carry the minimum car insurance required to drive in Michigan. When people say SR-22 insurance, they're generally talking about car insurance that includes an SR-22 filing by the insurance company on your behalf.

Most drivers in Michigan don't need SR-22 insurance. The drivers who do need it usually have serious violations, such as DUIs, reckless driving, or several offenses within a short period. If you're required to file an SR-22, the state will tell you how long you need to keep it.

"Certain things trigger the requirement for an SR-22 filing, such as a DUI, having a lot of points on your license, getting into an accident without insurance, or having your license suspended or revoked. But in every case, the driver is notified by the DMV that they are required to have this form. You would have to check the box that you are required to have an SR 22 filing. The insurance company typically charges a fee to file or maintain that filing, which varies by insurance company," says Dorothy Cato with Skyway Insurance Services LLC in Monroe, North Carolina.

How much does SR-22 insurance cost in Michigan?

While filing an SR-22 form is typically inexpensive, the associated fines and increased insurance rates are costly. On average, SR-22 insurance in Michigan is $6,086 but varies significantly based on the driver and infraction.

Keep in mind that insurance rates vary from company to company, so shop around to find the cheapest SR-22 insurance available.

Average SR-22 insurance cost in Michigan by violation

Your insurance rates don't go up because of the SR-22. The state requires the SR-22 due to a violation, and that violation is what causes your rates to increase.

For example, you may need an SR-22 if you get a DUI or drive without insurance. The increase in your car insurance rate will depend on the violation, not the SR-22 itself.

This table shows the average costs for violations that require an SR-22. The rates vary based on the type of violation.

SR-22 insurance cost by company for a first DUI

After a single DUI, the cheapest company on average is Progressive with average rates of $3,715. Affordable SR-22 coverage with a DUI is a little harder to find, but shopping around can help. Some insurance companies are willing to view the first DUI as a one-time mistake, offering more affordable rates than others.

The table below shows how average insurance rates vary by company after one DUI. Insurance rates do increase after a DUI, but the rise isn't as steep as it is for multiple violations.

SR-22 insurance cost by company for reckless driving

The cheapest company for SR-22 insurance after a reckless driving conviction is GEICO, with an average rate of $4,206 per year. Reckless driving tickets can be given for different reasons, like speeding, running red lights, texting while driving or tailgating. No matter the cause, reckless driving in Michigan leads to fines, an SR-22 requirement and higher car insurance rates.

Check the table below to compare average insurance rates for reckless driving from different companies.

SR-22 insurance cost by company for driving without insurance

The cheapest company for car insurance after being ticketed for driving without insurance is GEICO at an average yearly rate of $3,619.

Michigan requires that drivers carry at least a minimum amount of auto insurance. Failing to do so leads to fines, increased insurance rates, and an SR-22. Because failing to maintain minimum car insurance shows a lack of responsibility, insurers raise rates significantly.

The table below shows average rates by company for drivers who have had a lapseWhen your auto insurance coverage ends because you missed a payment or did not renew it on time. A lapse in auto insurance coverage may result in paying higher premiums for a new policy. in coverage.

Non-owners SR-22 insurance in Michigan

Michigan may require you to file an SR-22 form even if you don't own a vehicle as a prerequisite for reinstating your license. Drivers who sometimes borrow or rent a car can buy non-owner SR-22 insurance, which provides state minimum auto insurance coverage. A non-owner car insurance policy meets the legal requirements, and an SR-22 can be filed based on that policy.

It's important to note that non-owner car insurance only acts as secondary liability coverage when driving someone else's car. If you buy a car, you will need the proper insurance to drive it in Michigan.

How long do you need an SR-22 in Michigan?

In Michigan, drivers typically need to keep an SR-22 for one to three years. If you don't keep your insurance active during this period, you'll be breaking the law and could face serious fines and other penalties.

Reasons for requiring SR-22 insurance in Michigan

Most Michigan drivers don't need to file an SR-22. However, drivers who exhibit careless behaviors may be required to file an SR-22, which is typically required when the driver has to prove that they have the minimum liability insuranceLiability insurance covers sums that an insured becomes legally obligated to pay because of bodily injuries or property damage, or financial losses caused to other people. required by the state," says Cato.

You may need an SR-22 in Michigan for reasons like:

• DUI
• Reckless driving
• Several traffic violations in a short time
• Not maintaining auto insurance
• Refusing a breathalyzer test
• At-fault accidents involving severe injuries or death

Tips to lower SR-22 insurance costs in Michigan

Although your insurance will increase if you need an SR-22, there are still ways to find affordable coverage.

Ways to lower auto insurance costs with an SR-22 include:

• Take advantage of all available discounts. Most insurers allow you to bundle discounts to maximize savings.
• Raise your deductible. Increase the amount you pay before insurance kicks in to lower rates.
• Take a defensive driving course. Some insurers offer a discount for taking a course, and some states remove points from your license, which can lower your insurance rates.
• Sign up for a usage-based program. If you can demonstrate good driving habits while they are being tracked, you could earn a discount.
• Shop around for SR-22 insurance. Compare rates from multiple companies to find the cheapest SR-22 insurance in Michigan.

Methodology

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insurance companies analyzed

34,000+

ZIP codes examined

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insurance quotes analyzed

National and state average rates are based on three coverage levels: state minimum, 50/100/50 liability-only, and full coverage with 100/300/100 liability and $500 deductibles.

All base rate averages are based on our full coverage data set. This data set is based on:

• Bodily injury liability of $100,000 per person and $300,000 per incident
• Property damage liability of $100,000 per incident
• Comprehensive and collision deductibles of $500
• 40-year-old driver
• Honda Accord LX
• Good credit
• A clean driving record
• 12-mile commute, 10,000 annual mileage

Our data is then adjusted to reflect the rate increase from this base rate for the following infractions requiring an SR-22

• One DUI
• Two DUIs
• Reckless driving
• Driving without insurance

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