Cheapest SR-22 Car Insurance in Michigan (2024)

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Updated: May 20, 2024

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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.

MoneyGeek Logo IconCheapest SR-22 InsuranceMichigan

Why Trust MoneyGeek? Our team obtained data from the Michigan Department of Insurance and Financial Services and Quadrant Information Services to determine the most affordable SR-22 insurance companies for various driver profiles.

50,284Quotes Analyzed
14Companies Compared

Cheapest Companies for SR-22 Car Insurance in Michigan

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

For full coverage policy, the two cheapest insurers are:

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.

Data filtered by:Results filtered by:
Age Group:
Age Group:30-59
Coverage:Minimum Coverage
Driving Violation:
Driving Violation:DUI
ChubbAnnual Premium$375Monthly Premium$31
TravelersAnnual Premium$481Monthly Premium$40
ProgressiveAnnual Premium$690Monthly Premium$57
Pioneer State Mutual Ins CoAnnual Premium$1,330Monthly Premium$111
Auto-Owners Insurance CoAnnual Premium$1,770Monthly Premium$147
FarmersAnnual Premium$1,770Monthly Premium$148
Grange InsuranceAnnual Premium$1,985Monthly Premium$165
Farm Bureau Ins of MIAnnual Premium$2,378Monthly Premium$198
WestfieldAnnual Premium$2,685Monthly Premium$224
GEICOAnnual Premium$3,645Monthly Premium$304
Compare Auto Insurance Rates

Ensure you're getting the best rate for your auto insurance. Compare quotes from the top insurance companies.

What Is SR-22 in Michigan?

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.

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Once the terms of your SR-22 are met, your insurance company files a Financial Responsibility Cancellation Form (SR-26) with the state to notify them that your SR-22 filing period is over and your license and driving mandates can return to normal.

Cheapest Companies for Non-Owner SR-22 Car Insurance in Michigan

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

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.

Data filtered by:Results filtered by:
Driving Violation:
Driving Violation:Accident $1000-$1999 Prop Dmg
TravelersAnnual Premium$438Monthly Premium$37
Auto-Owners Insurance CoAnnual Premium$1,053Monthly Premium$88
ProgressiveAnnual Premium$1,727Monthly Premium$144
GEICOAnnual Premium$2,736Monthly Premium$228
FarmersAnnual Premium$5,645Monthly Premium$470
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Non-owner car insurance provides liability protection in the event of an at-fault accident. It's for people who don't own a car but still drive for personal or business reasons, like rideshare drivers or other professional drivers. MoneyGeek analyzed the cheapest non-owners vehicle insurance in Michigan to help you find the best option for you.

Average Cost of SR-22 Car Insurance in Michigan

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.

Data filtered by:Results filtered by:
Age Group:
Age Group:30-59
Coverage:Minimum Coverage
CleanAnnual Premium$881Monthly Premium$73
DUIAnnual Premium$2,348Monthly Premium$196
At-Fault AccidentAnnual Premium$1,385Monthly Premium$115
TicketAnnual Premium$1,314Monthly Premium$110
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To ensure you get the most competitive rate, compare prices at each renewal or annually. Regular comparison shopping may help you get the lowest price for your policy.

How SR-22 Affects Car Insurance Rates in Michigan

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.

Car Insurance Rate Comparison Based on Driving Records in Michigan

Clean Driving Record

Annual Premium for Minimum Coverage

After an OWI

Annual Premium for Minimum Coverage

Car insurance premiums after an OWI are on average:$1,429 more

This is 155% more expensive.

Other Effects of SR-22 on Car Insurance in Michigan

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:

Limited number of insurance options

Drivers with an SR-22 often have fewer coverage options, as some insurers are unwilling to cover high-risk drivers. You may need to purchase coverage through an insurers that specializes in high-risk coverage.

Possible policy cancellation

An SR-22 filing may result in your car insurance carrier canceling your current policy mid-term or not renewing at the end of the term.

Length of required filing

Depending on the conviction, you could need an SR-22 for three to five years in Michigan.

Higher liability coverage limits

In some states, your liability coverage may need to be increased to meet the SR-22 requirement. However, Michigan maintains a minimum of 20/40/10 liability coverage regardless of the reasons why you have to file an SR-22.

  • $$50,000 in bodily injury liability per person
  • $100,000 in bodily injury liability per accident
  • $10,000 in property damage liability per accident
Filing fees

The Michigan Secretary of State applies a filing fee when an SR-22 is submitted, usually between $15 to $50. Contact the Secretary of State's office with questions.

Compare Auto Insurance Rates

Ensure you're getting the best rate for your auto insurance. Compare quotes from the top insurance companies.

How to Get SR-22 Insurance in Michigan

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.

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In Michigan, reinstating a driver's license typically costs $125. Additional fees may apply based on why you lost your license. Contact your local DMV to confirm the exact fee.

How to Get Cheaper Car Insurance in Michigan After an OWI

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

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    Compare quotes immediately

    Comparison shopping is the best way to find the most affordable insurance rate after a DUI in Michigan. You can shop around online or call insurance companies directly to get quotes. Analyze quotes from several different companies to get the best rate.

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    Look for discounts

    Drivers with OWIs aren't eligible for safe or good driver discounts. But other options, such as multi-policy, multi-car and automatic payment discounts, may be available. Ask your agent or insurer what discounts you are eligible for.

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    Shop rates over time

    Shop around for your car insurance rates periodically. Prices can change, and your rate may not be the best anymore. Taking the time to compare car insurance quotes can help you get the lowest possible rate after an OWI in Michigan.

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    Complete DUI Classes or Programs

    Joining an alcohol or drug education program may be required following an impaired driving infraction and can help you become a better and safer driver. While these programs won't generate discounts while you are under the provisions of an SR-22, completing them can help make sure you don't incur more infractions and contribute to lowering your auto insurance rates long term. Michigan offers Alcohol Highway Safety Classes, which are equivalent to what other states call “DUI Classes.” Classes are available across all counties, and the first level is about eight hours. Michigan doesn't accept online courses.

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You may also want to consider non-standard auto insurance, which is coverage for drivers who may not qualify for standard auto insurance due to very poor driving records. As such, non-standard auto insurance generally comes with higher premiums due to increased risk.

Frequently Asked Questions About SR-22 Insurance in Michigan

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.

What are the cheapest SR-22 car insurance options in Michigan?
How much does filing an SR-22 increase car insurance rates, on average?
How long do you need to have an SR-22 in Michigan?
Does Michigan have DUIs?

About Mark Fitzpatrick

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Mark Fitzpatrick has analyzed the property and casualty insurance market for over five years, conducting original research and creating personalized content for every kind of buyer. Currently, he leads P&C insurance content production at MoneyGeek. Fitzpatrick has been quoted in several insurance-related publications, including CNBC, NBC News and Mashable.

Fitzpatrick earned a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his knowledge of economics and insurance to bring transparency around financial topics and help others feel confident in their money moves.