Cheapest SR-22 Car Insurance in Michigan (2024)

Chubb and Travelers offer the cheapest full-coverage SR-22 insurance in Michigan, averaging $375 and $481 per year, respectively. For non-owner vehicle insurance, Travelers and Auto-Owners are the most affordable options, averaging $438 and $1,053 annually.

SR-22 insurance is often required for drivers with a DUI — referred to as Operating While Intoxicated (OWI) or Operating While Visibly Impaired (OWVI) in Michigan — conviction or multiple traffic violations. The form must be filed with the state to show that a high-risk driver has the proper insurance coverage. We evaluated the most affordable insurers for Michigan car owners and non-owners with SR-22s.

The following companies offer the cheapest minimum coverage policy for drivers with an OWI in Michigan:

• Chubb: $375 per year
• Travelers: $481 per year

For full coverage policy, the two cheapest insurers are:

• Chubb: $961 per year
• Progressive: $1,157 per year

After a driving violation, car insurance typically gets more expensive due to increased risk. However, even with an infraction, you could find affordable SR-22 car insurance by comparing rates. The table below highlights Michigan's car insurance prices after violations, with rates ranging from $375 to $5,612 per year for minimum coverage.

SR-22 is a certificate of financial responsibility proving you can pay for any damages you might cause in an accident and insurance meeting state standards. It's not a type of insurance policy, though the insurance that goes with it may be referred to as "SR-22 insurance." You would have to file an SR-22 for various traffic violations, including OWIs, reckless driving, driving without insurance coverage, driving with a suspended license and more.

Your SR-22 generally must be kept on file for at least three years from the filing date, but this could change depending on your circumstances. Your insurer should complete the form and submit it to the Michigan Secretary of State's Office. Your premium rates may increase after filing an SR-22 since you're now considered a high-risk driver.

The two most affordable SR-22 insurance companies for non-owners in Michigan are:

• Travelers: $438 per year
• Auto-Owners Insurance: $1,053 per year

Technically, USAA offers the second cheapest non-owner car insurance in Michigan at $468 per year. But its coverage is restricted to active-duty military, veterans and their eligible family members.

Even if you don't own a car, you may still need SR-22 if you've been convicted of a serious offense like an OWI, reckless driving or an at-fault accident. It proves you can legally drive a vehicle and may allow you to get your license reinstated if suspended.

MoneyGeek recommends comparing quotes to find the most affordable non-owner SR-22 policy in Michigan. By looking at several insurers' prices, you can find a plan that best fits your budget. Rates range from $438 to $5,645 per year.

The average annual cost of minimum and full coverage SR-22 car insurance in Michigan for a driver with an OWI is $2,348 and $4,402, respectively. You may also be required to file SR-22 forms for offenses like speeding or at-fault accidents. Since drivers with OWIs are considered riskier to insure, insurance premiums can be significantly higher than for non-offending drivers.

On average, Michigan drivers with SR-22s pay about $1,429 more than those without. The cost depends on the severity of the offense and the individual's driving history. An SR-22 also means a longer period of increased insurance rates due to the three- to five-year certification period.

Aside from increased premium costs, filing an SR-22 in Michigan affects your car insurance in other ways. The following list highlights some of these impacts:

Getting insured after a driving offense in Michigan requires a few steps. To get the required auto insurance coverage:

• Find an insurance company offering coverage to drivers with imperfect records.
• Purchase an insurance policy meeting or exceeding Michigan's minimum liability requirements.
• Ask your insurance company to file an SR-22 form on your behalf. You need to pay any necessary fees and keep it current.
• Ensure you maintain continuous coverage and your SR-22 remains up to date.

By following these steps, you should be able to get the necessary SR-22 insurance coverage to stay on the road in Michigan.

After a DUI — or OWI in Michigan — car insurance costs usually increase. Following the steps below can help you lower your premium rates.

The process of getting SR-22 insurance in Michigan can be daunting. Here, MoneyGeek answers the most commonly asked questions about SR-22 insurance to help you get the best coverage for your needs.