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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 or DWI 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.

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2023

Cheapest Companies for SR-22 Car Insurance in Michigan

Cheapest Companies for SR-22 Car Insurance in Michigan

The following companies offer the cheapest minimum coverage policy for drivers with a DUI 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.

Company
Annual Premium
Monthly Premium

Travelers

$94

$8

Travelers

$101

$8

Travelers

$111

$9

Travelers

$165

$14

Travelers

$179

$15

Travelers

$199

$17

Travelers

$239

$20

Travelers

$250

$21

Travelers

$271

$23

Chubb

$311

$26

Chubb

$311

$26

Chubb

$311

$26

Chubb

$311

$26

Chubb

$375

$31

Chubb

$375

$31

Chubb

$375

$31

Chubb

$375

$31

Chubb

$413

$34

Chubb

$413

$34

Chubb

$413

$34

Chubb

$413

$34

Travelers

$480

$40

Travelers

$481

$40

Travelers

$502

$42

Encompass

$572

$48

GEICO

$587

$49

GEICO

$587

$49

GEICO

$597

$50

Progressive

$626

$52

Progressive

$629

$52

Progressive

$633

$53

Pioneer State Mutual Ins Co

$642

$54

Encompass

$647

$54

Pioneer State Mutual Ins Co

$649

$54

Encompass

$651

$54

Encompass

$651

$54

Pioneer State Mutual Ins Co

$681

$57

Auto-Owners Insurance Co

$686

$57

Progressive

$689

$57

Progressive

$690

$57

Progressive

$693

$58

Auto-Owners Insurance Co

$714

$60

Encompass

$735

$61

Encompass

$735

$61

Progressive

$736

$61

Progressive

$738

$62

Progressive

$742

$62

Pioneer State Mutual Ins Co

$750

$63

Farm Bureau Ins of MI

$779

$65

Pioneer State Mutual Ins Co

$780

$65

Auto-Owners Insurance Co

$787

$66

Chubb

$798

$67

Chubb

$798

$67

Chubb

$798

$67

Chubb

$798

$67

Progressive

$806

$67

Farm Bureau Ins of MI

$810

$67

Progressive

$810

$67

Progressive

$815

$68

Westfield

$818

$68

Pioneer State Mutual Ins Co

$821

$68

Auto-Owners Insurance Co

$830

$69

Travelers

$840

$70

Encompass

$843

$70

Auto-Owners Insurance Co

$864

$72

GEICO

$898

$75

GEICO

$899

$75

GEICO

$903

$75

Farm Bureau Ins of MI

$905

$75

Auto-Owners Insurance Co

$905

$75

Travelers

$931

$78

Farm Bureau Ins of MI

$951

$79

Encompass

$958

$80

Encompass

$958

$80

Westfield

$958

$80

Chubb

$961

$80

Chubb

$961

$80

Chubb

$961

$80

Chubb

$961

$80

Pioneer State Mutual Ins Co

$967

$81

Progressive

$983

$82

Auto-Owners Insurance Co

$994

$83

Auto-Owners Insurance Co

$994

$83

Pioneer State Mutual Ins Co

$1,003

$84

Farm Bureau Ins of MI

$1,006

$84

Travelers

$1,043

$87

Progressive

$1,048

$87

Pioneer State Mutual Ins Co

$1,055

$88

Westfield

$1,060

$88

Westfield

$1,061

$88

Chubb

$1,066

$89

Chubb

$1,066

$89

Chubb

$1,066

$89

Chubb

$1,066

$89

Farm Bureau Ins of MI

$1,087

$91

Progressive

$1,106

$92

Pioneer State Mutual Ins Co

$1,118

$93

Grange Insurance

$1,126

$94

Farm Bureau Ins of MI

$1,142

$95

Grange Insurance

$1,142

$95

Auto-Owners Insurance Co

$1,144

$95

Westfield

$1,150

$96

Progressive

$1,157

$96

Encompass

$1,164

$97

Farm Bureau Ins of MI

$1,168

$97

Progressive

$1,177

$98

GEICO

$1,194

$100

Progressive

$1,224

$102

GEICO

$1,228

$102

Pioneer State Mutual Ins Co

$1,232

$103

GEICO

$1,238

$103

Farmers

$1,244

$104

Westfield

$1,272

$106

Progressive

$1,280

$107

Westfield

$1,298

$108

Progressive

$1,302

$108

Encompass

$1,317

$110

Progressive

$1,320

$110

Pioneer State Mutual Ins Co

$1,330

$111

Farmers

$1,333

$111

Pioneer State Mutual Ins Co

$1,338

$112

GEICO

$1,342

$112

Westfield

$1,373

$114

Progressive

$1,379

$115

Encompass

$1,384

$115

Encompass

$1,384

$115

Grange Insurance

$1,389

$116

Pioneer State Mutual Ins Co

$1,389

$116

Farm Bureau Ins of MI

$1,403

$117

Auto-Owners Insurance Co

$1,404

$117

Auto-Owners Insurance Co

$1,409

$117

Pioneer State Mutual Ins Co

$1,427

$119

State Farm

$1,428

$119

Progressive

$1,433

$119

GEICO

$1,444

$120

Pioneer State Mutual Ins Co

$1,447

$121

GEICO

$1,458

$121

Pioneer State Mutual Ins Co

$1,464

$122

Farmers

$1,464

$122

Westfield

$1,476

$123

Farm Bureau Ins of MI

$1,484

$124

Auto-Owners Insurance Co

$1,488

$124

Grange Insurance

$1,524

$127

Progressive

$1,537

$128

State Farm

$1,561

$130

Encompass

$1,561

$130

Encompass

$1,561

$130

Grange Insurance

$1,575

$131

Travelers

$1,586

$132

Farm Bureau Ins of MI

$1,601

$133

Auto-Owners Insurance Co

$1,623

$135

Pioneer State Mutual Ins Co

$1,671

$139

Farmers

$1,677

$140

Auto-Owners Insurance Co

$1,681

$140

Farmers

$1,702

$142

Pioneer State Mutual Ins Co

$1,704

$142

Encompass

$1,711

$143

Farm Bureau Ins of MI

$1,722

$143

State Farm

$1,723

$144

Travelers

$1,760

$147

State Farm

$1,768

$147

Auto-Owners Insurance Co

$1,770

$147

Farmers

$1,770

$148

Auto-Owners Insurance Co

$1,781

$148

Farmers

$1,791

$149

Pioneer State Mutual Ins Co

$1,796

$150

Farmers

$1,802

$150

Farmers

$1,821

$152

Auto-Owners Insurance Co

$1,840

$153

Farmers

$1,850

$154

Grange Insurance

$1,854

$155

Farm Bureau Ins of MI

$1,870

$156

State Farm

$1,880

$157

GEICO

$1,898

$158

Auto-Owners Insurance Co

$1,914

$160

Farmers

$1,918

$160

Grange Insurance

$1,939

$162

Farmers

$1,939

$162

Auto-Owners Insurance Co

$1,944

$162

Travelers

$1,972

$164

GEICO

$1,975

$165

Grange Insurance

$1,985

$165

Farm Bureau Ins of MI

$1,985

$165

Farm Bureau Ins of MI

$1,990

$166

GEICO

$1,998

$166

Auto-Owners Insurance Co

$2,020

$168

Encompass

$2,027

$169

Encompass

$2,027

$169

State Farm

$2,031

$169

Westfield

$2,053

$171

Westfield

$2,073

$173

Grange Insurance

$2,101

$175

Pioneer State Mutual Ins Co

$2,109

$176

Travelers

$2,118

$177

Grange Insurance

$2,130

$177

GEICO

$2,131

$178

State Farm

$2,139

$178

Farm Bureau Ins of MI

$2,157

$180

State Farm

$2,164

$180

Grange Insurance

$2,193

$183

Auto-Owners Insurance Co

$2,238

$186

Pioneer State Mutual Ins Co

$2,254

$188

State Farm

$2,257

$188

Farm Bureau Ins of MI

$2,263

$189

Farmers

$2,280

$190

Travelers

$2,296

$191

Farm Bureau Ins of MI

$2,304

$192

GEICO

$2,322

$193

Grange Insurance

$2,346

$195

GEICO

$2,353

$196

State Farm

$2,366

$197

Farm Bureau Ins of MI

$2,378

$198

Pioneer State Mutual Ins Co

$2,386

$199

Westfield

$2,396

$200

Grange Insurance

$2,421

$202

State Farm

$2,428

$202

Grange Insurance

$2,441

$203

Travelers

$2,513

$209

Westfield

$2,515

$210

Farmers

$2,547

$212

State Farm

$2,567

$214

Grange Insurance

$2,582

$215

Hanover

$2,615

$218

Westfield

$2,648

$221

Farm Bureau Ins of MI

$2,658

$221

State Farm

$2,670

$223

Hanover

$2,679

$223

Westfield

$2,685

$224

State Farm

$2,694

$224

Westfield

$2,759

$230

Pioneer State Mutual Ins Co

$2,818

$235

Farmers

$2,831

$236

Westfield

$2,861

$238

Grange Insurance

$2,895

$241

Farm Bureau Ins of MI

$2,923

$244

Hanover

$3,023

$252

State Farm

$3,024

$252

State Farm

$3,071

$256

Westfield

$3,091

$258

Farmers

$3,130

$261

Encompass

$3,197

$266

Grange Insurance

$3,211

$268

Grange Insurance

$3,232

$269

Farmers

$3,279

$273

Farmers

$3,308

$276

State Farm

$3,321

$277

Westfield

$3,345

$279

Farmers

$3,377

$281

Farmers

$3,395

$283

Auto-Owners Insurance Co

$3,435

$286

Westfield

$3,477

$290

Grange Insurance

$3,478

$290

Farmers

$3,480

$290

Farmers

$3,612

$301

Auto-Owners Insurance Co

$3,624

$302

GEICO

$3,645

$304

Encompass

$3,653

$304

Encompass

$3,653

$304

GEICO

$3,666

$305

Grange Insurance

$3,669

$306

Farmers

$3,699

$308

GEICO

$3,728

$311

Auto-Owners Insurance Co

$3,776

$315

Farmers

$3,784

$315

State Farm

$3,785

$315

Travelers

$3,813

$318

State Farm

$3,826

$319

Grange Insurance

$3,922

$327

Farm Bureau Ins of MI

$3,935

$328

Travelers

$3,980

$332

Westfield

$4,046

$337

Hanover

$4,094

$341

State Farm

$4,144

$345

Hanover

$4,163

$347

Travelers

$4,198

$350

Grange Insurance

$4,212

$351

Farm Bureau Ins of MI

$4,261

$355

Hanover

$4,332

$361

Hanover

$4,388

$366

Hanover

$4,488

$374

Grange Insurance

$4,529

$377

Hanover

$4,580

$382

Grange Insurance

$4,691

$391

Hanover

$4,695

$391

State Farm

$4,731

$394

Hanover

$4,870

$406

State Farm

$5,210

$434

Farm Bureau Ins of MI

$5,246

$437

Hanover

$5,499

$458

Hanover

$5,612

$468

Hanover

$5,688

$474

State Farm

$5,708

$476

Hanover

$5,930

$494

GEICO

$6,004

$500

Encompass

$6,008

$501

GEICO

$6,068

$506

GEICO

$6,095

$508

Westfield

$6,224

$519

Hanover

$6,305

$525

Westfield

$6,356

$530

State Farm

$6,595

$550

Hanover

$6,806

$567

Hanover

$6,874

$573

Westfield

$6,923

$577

Encompass

$6,997

$583

Encompass

$6,997

$583

Hanover

$7,413

$618

Hanover

$7,753

$646

Hanover

$8,473

$706

Hanover

$8,478

$706

Hanover

$9,105

$759

Hanover

$10,337

$861

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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 DUIs, 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 Michigan's DMV. 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 they only serve military personnel and families.

Even if you don't own a car, you may still need SR-22 if you've been convicted of a serious offense like a DUI, 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.

Company
Annual Premium
Monthly Premium

Travelers

$177

$15

Travelers

$438

$37

Auto-Owners Insurance Co

$912

$76

Auto-Owners Insurance Co

$1,053

$88

GEICO

$1,126

$94

Progressive

$1,271

$106

Progressive

$1,727

$144

GEICO

$2,736

$228

Farmers

$4,239

$353

Farmers

$5,645

$470

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WHAT IS NON-OWNER CAR INSURANCE?

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 a DUI 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 DUIs are considered riskier to insure, insurance premiums can be significantly higher than for non-offending drivers.

Driving Record
Annual Premium
Monthly Premium

At-Fault Accident

$2,579

$215

At-Fault Accident

$1,400

$117

Clean

$888

$74

Clean

$881

$73

DUI

$4,823

$402

At-Fault Accident

$3,015

$251

DUI

$2,348

$196

At-Fault Accident

$1,385

$115

Ticket

$2,795

$233

Clean

$1,668

$139

Ticket

$2,343

$195

DUI

$4,211

$351

Clean

$1,773

$148

Ticket

$1,428

$119

Ticket

$1,314

$110

At-Fault Accident

$2,706

$225

At-Fault Accident

$1,484

$124

Ticket

$1,325

$110

DUI

$2,351

$196

DUI

$2,510

$209

Clean

$2,030

$169

Clean

$967

$81

Ticket

$2,475

$206

DUI

$4,402

$367

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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

carInsurance
Clean Driving Record

Annual Premium for Minimum Coverage

$919
accident2
After a DUI

Annual Premium for Minimum Coverage

$2,348
Car insurance premiums after a DUI 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:

1

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.

2

Possible policy cancellation

An SR-22 filing may result in your car insurance carrier canceling your current policy or refusing to renew it.

3

Length of required filing

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

4

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 SR-22 filing.

  • $$50,000 in bodily injury liability per person
  • $100,000 in bodily injury liability per accident
  • $10,000 in property damage liability per accident
5

Filing fees

Most carriers apply a filing fee when an SR-22 is submitted, usually between $15 to $50. Contact the Michigan DMV with questions.

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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.
  • Tell 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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MICHIGAN LICENSE REINSTATEMENT FEE

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 a DUI

After a DUI, car insurance costs usually increase. Following the steps below can help you lower your premium rates.

  • find icon

    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.

  • car icon

    Complete DUI classes or programs

    Joining an alcohol or drug education program can lower your premium and help you become a better and safer driver. Michigan offers Alcohol Highway Safety Classes, which are equivalent to what other states call “DUI Classes.” These classes are available statewide, and the first level is about eight hours. Michigan doesn't accept online courses.

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    Look for discounts

    Drivers with DUIs 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 carrier what options they have.

  • seatbelt icon

    Practice safe driving

    After a DUI, the easiest way to ensure that auto insurance rates are kept low is to practice safe driving habits. This includes obeying all traffic laws, avoiding tickets and hazardous violations and driving defensively to maintain a clean driving record.

  • calendar icon

    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 a DUI in Michigan.

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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.

About Mark Fitzpatrick


Mark Fitzpatrick headshot

Mark Fitzpatrick is a senior content director at MoneyGeek with over five years of experience analyzing the insurance market, conducting original research and creating content that can be personalized for every buyer. He has been quoted on insurance topics in several publications, including CNBC, NBC News and Mashable.

Mark 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 economics and insurance knowledge to bring transparency around financial topics and help others feel confident in their money moves.