Which Michigan Insurance Companies Offer the Cheapest SR-22 Insurance?
Generally, SR-22 insurance in Michigan is more expensive compared to a typical auto insurance policy because of the severity of the traffic violation. While the form itself only costs a small fee, high-risk violations like a DUI offense or reckless driving will cause a significant increase in auto insurance premiums. For instance, the average auto insurance rate in the state for a driver with a clean record and minimum liability coverage is $3,488 per year. Meanwhile, a similar policy costs an average of $9,991 per year for those with SR-22 because of a DUI.
For drivers looking for cheap auto insurance in Michigan, the most affordable company for SR-22 insurance is Nationwide at $1,190 on average per year.
Cheapest Companies for SR-22 Insurance in Michigan
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The prices indicated on the table are for a policy that only meets state minimum liability coverage requirements or for a full coverage policy covering $100,000 in bodily injury liability costs per person, $300,000 per accident and $100,000 in property damage costs.
Actual car insurance rates may vary due to other contributing factors, including the filing fee for SR-22 insurance in Michigan, the type of violation and the loss of discounts. Compare quotes from at least three insurers to find the best possible deal.
Those willing to pay a little bit more for better insurance can also shop for the best car insurance companies in Michigan.
There is a one-time fee for filing SR-22 insurance in Michigan. The cost may vary per state, but it is usually around $25.
Michigan drivers who need to obtain SR-22 insurance will lose their eligibility for good driver discounts. Thus, making auto insurance premiums relatively more expensive for drivers with SR-22.
The cost of an auto insurance policy will depend on the severity of your violation. For example, serious offenses like a hit-and-run will result in even higher rates.
What Is SR-22 Insurance in Michigan? Who Needs It? How Do You Get It?
SR-22 insurance in Michigan and elsewhere is not a type of insurance policy. Instead, it is a form filed by the insurance carrier. It confirms that your auto insurance policy complies with the state minimum liability coverage requirements. This document is a requirement for drivers who commit serious traffic offenses like a DUI or repeated driving violations. Additionally, insurance after a DUI is much more expensive compared to when you had a clean record. It is important to note that a DUI in Michigan will lead to the suspension of a driver’s license and may even require community service and/or jail time.
SR-22 insurance in Michigan proves that your coverage meets the state minimum liability requirements, which include the following:
- $50,000 bodily injury liability per person
- $100,000 bodily injury liability per accident
- $10,000 property damage liability per accident outside Michigan
- $1 million property protection within Michigan
- $250,000 personal injury protection (Certain Medicare and Medicaid recipients may get lower PIP limits.)
Read more with MoneyGeek's Michigan car insurance resources or estimate rates with our Michigan car insurance calculator.
Who Needs SR-22 Insurance in Michigan? And for How Long Do They Need It?
Depending on state laws, the driving violations requiring SR-22 insurance may vary. However, there are offenses that will almost certainly need SR-22 filing in Michigan and elsewhere. These include:
- Reckless driving
- Driving without insurance coverage
- Driving with a suspended license
An SR-22 is not necessary for minor violations like a ticket or standard accident. Insurance with a bad record due to minor offenses will lead to higher rates, but the increase is not as much as for those that require SR-22.
How long you will need SR-22 insurance in Michigan will be determined by the severity of your driving violation. In most cases, it is three years.
How Do You Get SR-22 Insurance in Michigan?
Your insurance company will file your SR-22 insurance in Michigan upon your request. Since SR-22 insurance is for high-risk drivers, some insurance carriers may opt not to cover you. In this case, you will have to look for a company that does. Additionally, insurers that issue policies for drivers with SR-22 likely charge higher premiums.
Non-Owner SR-22 Insurance in Michigan
A major driving violation in the state may lead to the suspension of your driver’s license. To get it reinstated, you may have to file an SR-22. That also applies to drivers who do not own a car.
If that is the case for you, your most affordable option is to buy non-owner SR-22 insurance in Michigan. This policy is best for a driver who does not own a vehicle but often rents or borrows a car. It is also an affordable option for drivers who need proof of insurance to get a license.
In Michigan, the average cost of non-owner car insurance is $7,605 per year. Costs may vary greatly based on the company. The cheapest company is USAA, with an average rate of $674 per year. USAA policies, however, are only for military families. Progressive, which has an average rate of $4,062 per year, is the second cheapest option in the state and is available to everyone.
The Average Cost of Non-Owner SR-22 Car Insurance in Michigan
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MoneyGeek used non-owner car insurance rates for a Michigan driver with a DUI on their record who is buying policies covering $50,000 in bodily injury liability per person, $100,000 in bodily injury liability per accident and $50,000 in property damage liability per accident.
FAQs About SR-22 Insurance in Michigan
When looking for SR-22 insurance in Michigan, drivers may have questions about rates, the process and who to shop with. Here are some of the most common questions and simple answers to help you get started.
Read More About Car Insurance
MoneyGeek analyzed renters insurance premiums from 14 of the top insurance companies in Michigan that were provided in partnership with Quadrant. Our analysis includes quotes from ZIP codes across Michigan. Quotes were gathered for policies that meet the state’s minimum coverage requirements and for full coverage policies with $100,000 in bodily injury liability insurance per person, $300,000 in bodily injury liability insurance per accident and $100,000 in property damage liability per accident. Rates are for the same driver with both a clean record and a DUI.
About Mark Fitzpatrick
- The Office of the Secretary of State. "Substance Abuse And Driving." Accessed May 30, 2021.