MI
SR-22 Insurance in Michigan
Michigan has some of the highest auto insurance rates due to no-fault laws.
Filing Period
3 years
Filing Fee
$15–25
Avg. Monthly
$190–440
E-Filing
Available
Michigan Minimum Coverage Requirements
| Coverage Type | Minimum Required |
|---|---|
| Bodily Injury (per person) | $20,000 |
| Bodily Injury (per accident) | $40,000 |
| Property Damage | $10,000 |
When Is SR-22 Required in Michigan?
DUI/DWI
Driving without insurance
At-fault accidents
Excessive violations
How to Get SR-22 in Michigan
- Contact your insurance company or find an SR-22-friendly insurer in Michigan.
- Purchase a policy meeting Michigan's minimum coverage requirements ($20,000/$40,000/$10,000).
- Request your insurer file the SR-22 with the Michigan DMV (electronic filing available).
- Pay any reinstatement fees and wait for DMV confirmation.
- Maintain continuous coverage for 3 years.