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Michigan SR-22 & High-Risk Auto Insurance

Michigan requires 50/100/10 liability coverage and is a no-fault state.

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Michigan at a Glance

50/100/10

Minimum liability limits, in thousands of dollars (per person / per accident / property)

No-fault

Each driver's own policy pays their injuries first, whoever caused the crash

Required

PIP coverage must be on every policy

Yes

A defensive driving course can reduce points on your record

Source: state DMV, insurance department and statute records, verified July 2026

Minimum Coverage Requirements in Michigan

The state also mandates unlimited personal injury protection (PIP) unless a driver opts down to a lower limit. Drivers convicted of DUI, driving without insurance, or accumulating excessive violations typically must file SR-22 proof of insurance with the Michigan Secretary of State. High-risk drivers often need non-standard carriers that specialize in post-violation coverage.

Liability Insurance

These minimums are insufficient for high-risk drivers with assets to protect, as a single at-fault accident can trigger lawsuits exceeding state minimums. Many SR-22 filers carry 100/300/50 or higher to reduce financial exposure during the filing period.

Personal Injury Protection (PIP)

PIP costs vary significantly by city—Detroit drivers often pay double the state average due to higher injury claim rates.

SR-22 Insurance

SR-22 is not a coverage type but a certificate of financial responsibility filed by your insurer with the Michigan Secretary of State. It proves continuous coverage during the mandated period. Not all carriers offer SR-22 filing—high-risk drivers often use non-standard insurers that specialize in post-violation policies and can file SR-22 electronically.

Non-Standard Auto Insurance

Non-standard carriers write policies for drivers with DUIs, suspensions, or lapsed coverage who cannot qualify for standard market rates. Policy terms may include higher down payments, monthly payment requirements, and stricter cancellation policies than standard carriers.

Uninsured Motorist Coverage

High-risk drivers who have already paid reinstatement fees and SR-22 filing costs should consider UM coverage to protect against uninsured at-fault drivers.

What Drivers Pay in Michigan

$305–$569/mo

Typical monthly rate in Michigan, drivers after a speeding ticket

Rate data: ValuePenguin and CarInsurance.com, 2026

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Coverage Types

Liability Insurance

Covers injury and property damage you cause to others. Required by law and by SR-22 filing.

Full Coverage

Liability plus collision, comprehensive, and PIP. Required for financed or leased vehicles.

SR-22 Insurance

Proof of financial responsibility filed with the state. Not a separate policy, but a form attached to your existing coverage.

Non-Standard Auto Insurance

Policies written by carriers specializing in high-risk drivers. Higher rates but accessible after violations.

Uninsured Motorist Coverage

Protects you if you're hit by a driver without insurance. Optional in Michigan but recommended.

Collision Coverage

Covers damage to your vehicle from accidents, regardless of fault. Required by lenders.

Find Your City in Michigan

Detroit

urban

Grand Rapids

urban

Warren

suburban

Sterling Heights

suburban

Ann Arbor

suburban

Lansing

urban

Dearborn

suburban

Clinton Township

suburban

Livonia

suburban

Troy

suburban

Westland

suburban

Flint

urban