Cheapest SR-22 InsuranceMichiganCheapest SR-22 Car Insurance in Michigan (2023)
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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.
Cheapest SR-22 InsuranceMichiganCheapest 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:
- 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.
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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:
- 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 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.
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.
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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
$919
After a DUI
Annual Premium for Minimum Coverage
$2,348Car 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.
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.
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.
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.
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.
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.
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.
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