Michigan SR22 Car Insurance: A Comprehensive Guide to Get Cheap Rates

By Randy Luton | Last Updated: 09/21/2023

SR22 insurance in Michigan, often referred to as a financial responsibility insurance certificate, is a document that serves as proof of a driver’s ability to pay for potential accidents. While it is commonly called insurance, it is not a type of insurance policy, but rather a certification that a person holds insurance.

The purpose of an SR22 certificate in Michigan is to confirm that the driver has the minimum level of car insurance required by the state. It’s typically requested after certain violations, such as a DUI or driving without insurance.

Does Michigan require SR-22 Insurance?

Michigan’s insurance landscape is slightly different than many other states. While SR-22 insurance is a familiar term and a common requirement in numerous states, Michigan does not officially mandate SR-22 certificates. Instead, the state has its own version termed as a “proof of financial responsibility.” However, if you’ve been required to have SR22 insurance from another state and you’re driving in Michigan, you’ll need to maintain it.

How do I know if I need Michigan SR22 Insurance?

You may need SR22 insurance in Michigan if you have been involved in a traffic violation that results in a license suspension or revocation in another state. This includes offenses such as driving under the influence (DUI), reckless driving, or driving without insurance. In these cases, you may be required to provide an SR-22 certificate from your insurer. If you’re unsure whether you need an SR-22 certificate, consult with your insurance provider or a legal professional.

Which companies offer SR22 in Michigan?

Car insurance in Michigan can be complicated, especially if you need an SR22. But no worries; here are some well-known companies that offer both regular car insurance and SR22 certificates:

What are the minimum Insurance requirements in Michigan?

Michigan state laws require drivers to have both liability and no-fault coverage for their car insurance. These coverage types serve specific purposes:

Liability Coverage: This part of your insurance pays for injuries to others and damage to their property if you’re found at fault in an accident.

  • Liability coverage per person: Michigan requires a minimum of $50,000 coverage.
  • Liability coverage per accident: A minimum of $100,000 coverage is mandated.
  • Property damage coverage: At least $10,000 coverage is required.

No-Fault Coverage: This aspect takes care of your medical expenses and related costs, regardless of who’s responsible for the accident.

  • Personal Injury Protection (PIP): This covers your medical bills and related expenses.
  • Property Protection Insurance: This covers damage your vehicle might cause to someone else’s property.

How long do I need SR-22 Insurance in Michigan?

If you are required to provide an SR 22 certificate in Michigan, the typical period lasts for three years. However, the length of time can vary depending on the nature and severity of the violation.

If your policy lapses during the mandated SR 22 period, your insurer is obligated to notify the state, which could result in a license suspension. It is important to maintain continuous coverage throughout the required period.

What are the costs of the SR-22 in Michigan?

The cost of SR 22 insurance in Michigan is contingent on your personal driving record, age, and the type of vehicle you drive. The average cost for filing an SR 22 certificate is around $15 to $25, but the associated increase in insurance premiums can be substantial. High-risk drivers may experience a rate hike of up to 90% after being mandated to carry an SR 22 certificate.

What is non-owner SR22 Insurance in Michigan?

Non-owner SR22 insurance in Michigan provides liability coverage for drivers who don’t own a vehicle but occasionally borrow or rent one. If you are required to have an SR 22 certificate and you don’t own a vehicle, you may need a non-owner SR-22 insurance policy. It offers protection in case you’re at fault in an accident while driving a vehicle you don’t own.

How much is the cost of non-owner SR-22 Insurance in Michigan?

In Michigan, adhering to the state’s laws, the typical monthly expense for non-owner car insurance comes out to be around $112. This amount surpasses the national average of $43. The price you’ll pay for your policy can be notably influenced by factors such as your age and your driving history. It’s important to consider these aspects, as they contribute to determining your insurance costs.

How do I get SR-22 in Michigan?

If you are required to have an SR 22 certificate in Michigan, you can obtain it through your insurance provider. Get SR-22 certificates from your insurer. Your insurer will then file the necessary paperwork with the Michigan DMV, typically for a fee. Once the SR 22 is filed, you will receive a copy for your records.

In conclusion, while SR 22 insurance is not mandated for all drivers in Michigan, it may be required under certain circumstances, especially if you’ve had a serious traffic violation in another state. Understanding the intricacies of SR 22 insurance and the associated requirements is crucial for maintaining compliance with state regulations and ensuring uninterrupted driving privileges.

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Editorial Guidelines: The above is meant as general information to help you understand the different aspects of auto insurance. This information does not refer to any specific auto insurance policy. Coverages and other features vary between insurers, vary by state, and are not available in all states. References to costs of coverages/repair, average or typical premiums, amounts of losses, deductibles, etc., are indicative and may not apply to your situation. We encourage you to speak to our insurance representative and to read your policy contract to fully understand your coverages.

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Randy Luton is the Founder and CEO of RateForce. He is passionate about InsurTech services and has in-depth knowledge about the auto insurance sector of the USA.