Cheapest SR-22 Car Insurance in Michigan (August 2024)

An SR-22 is a certificate proving you meet Michigan's minimum coverage auto insurance requirements after certain moving violations, like a DUI or driving without insurance. It's filed by either you or your insurance company. Although the SR-22 form doesn't directly influence your rates, the infractions necessitating it can lead to higher premiums in the Great Lakes State.

The two most affordable state minimum coverage options for those needing an SR-22 are Chubb at around $640 per year and Progressive at an average of $772 per year. For drivers who don't own a car but still require an SR-22, the top budget-friendly options for non-owner SR-22 insurance are Travelers, with an average annual rate of $438, and Auto-Owners at about $1,053 yearly.

The cheapest companies for state minimum coverage SR-22 car insurance in Michigan are:

• Chubb: $53 per month; $640 per year
• Progressive: $64 per month; $772 per year

The least expensive providers for full coverage SR-22 insurance in Michigan are:

• Chubb: $127 per month; $1,522 per year
• Progressive: $134 per month; $1,609 per year

After a moving violation, expect to pay more for car insurance because insurers view you as a high-risk driver. However, cheap car insurance with an SR-22 is still available. Take the time to review your options and secure a policy that meets both your needs and budget.

The companies with the cheapest non-owner SR-22 insurance in Michigan are:

• Travelers: $37 per month; $438 per year
• Auto-Owners: $88 per month; $1,053 per year

Non-owner car insurance is designed to fulfill the state minimum coverage requirements for individuals who need to file an SR-22 but do not own a vehicle. This insurance is needed after a license suspension, revocation or serious traffic violations. Finding the most affordable insurance provider for non-owner drivers is crucial, as it can significantly reduce the financial burden associated with maintaining essential coverage.

An SR-22 is not actual insurance. It is a form your insurer files with the state of Michigan to prove you have the required state minimum auto insurance after certain violations like a DUI, driving without insurance or repeat traffic offenses. It's required for three years, and your insurer will tell the state if your SR-22 is no longer active.

Your SR-22 form proves that you carry the minimum auto insurance requirements in Michigan:

• $50,000 for bodily injury liability per person
• $100,000 for bodily injury liability per accident
• $10,000 for property damage liability per accident
• Unlimited personal injury protection (PIP) per person

Even without a car, you may need SR-22 non-owner car insurance in Michigan. Remember that a regular insurance card can't replace an SR-22 form.

Michigan drivers may need to file an SR-22 through their insurance company after certain driving mishaps. This form proves you have minimum coverage auto insurance, which is necessary to keep your driver's license. You might be required to file an SR-22 for three years if you have a DUI, have been caught driving without insurance or committed major traffic violations.

Filing an SR-22 in Michigan often means paying more for car insurance and having fewer coverage choices. You might also face extra costs for filing the SR-22 itself. Some might find their insurance application denied or their current policy canceled after they file an SR-22. It's essential to keep your insurance active without any breaks. You might have to start your SR-22 requirement over if your coverage stops. If you're supposed to file and don't, you could lose your driving privileges and face legal troubles. In Michigan, you usually need an SR-22 for three years.

These are the ways an SR-22 negatively impacts your car insurance:

The average cost of SR-22 car insurance in Michigan for drivers with a DUI is $2,226 annually for state minimum coverage and $4,620 for full coverage. In comparison, drivers with a clean record pay $856 for state minimum coverage and $1,924 for full coverage each year. The severity of your offense significantly affects your premiums.

The SR-22 certificate doesn't raise rates, but the violations that necessitate it do. If you have repeat offenses or severe violations, you might face non-renewal or increased rates at renewal. An SR-22 certificate in Michigan is typically required for three years. During this period, you must maintain the minimum liability coverage of 50/100/10 plus unlimited personal injury protection per person.

Filing an SR-22 in Michigan is a mandatory step for drivers with certain violations like DUI, ensuring they meet the minimum coverage requirements of 50/100/10 and unlimited personal injury protection per person. Noncompliance can lead to severe penalties, including license suspension. Here are the steps to file an SR-22 in Michigan:

If your SR-22 in Michigan lapses, you risk having your driving privileges resuspended. You must keep your minimum coverage auto insurance for three years. Your insurer will notify the state of any cancellation. The cost for a new SR-22 varies, but it is necessary to reinstate your license.

A DUI on your record can lead to higher car insurance premiums. For instance, a driver aged 30 to 59 with state minimum coverage would pay an average annual premium of $856 with a clean record, but the rate increases to $2,226 after a DUI. That's a monthly increase from $71 to $186.

However, you can still find affordable car insurance after a DUI. By shopping around and comparing rates, Michigan drivers needing SR-22 documentation can secure the state minimum coverage they require without overspending.

Securing affordable SR-22 insurance in Michigan can be a challenge. Get answers to your questions about finding cost-effective coverage.