Cheapest SR-22 Car Insurance in Michigan

Chubb offers the cheapest SR-22 insurance in Michigan at $51 monthly for minimum coverage, 74% less than the state average of $195. It's also the most affordable for full coverage at $124.

Travelers offers the cheapest non-owner SR-22 insurance in Michigan at $37 monthly or $438 annually. If you need SR-22 insurance but don't own a car, a non-owner policy can help you meet state minimum coverage requirements. 

The table below shows providers offering non-owner SR-22 insurance and their average minimum coverage costs.

The average cost of car insurance in Michigan for drivers with an SR-22 is $2,346 for minimum coverage, 160% more than the $902 average clean-record drivers.

For full coverage, SR-22 holders pay around $4,763 annually, while clean record drivers pay about $1,985 — a 140% difference.

Having an SR-22 form doesn't raise your insurance rate by itself. The cost depends on the violation. The table below compares SR-22 insurance prices for common violations across age groups in Michigan.

An SR-22 proves you meet Michigan’s minimum auto insurance requirements. Drivers with certain violations must file one to reinstate their license. Insurers view these drivers as high-risk, often resulting in higher premiums.

An SR-22, also called an SR-22 bond or certificate of financial responsibility, isn't an insurance policy. It's a certification your insurer files to confirm you have enough insurance to meet the reinstatement requirements of Michigan Financial Responsibility law.

After a serious traffic violation, having an SR-22 is required for four years. This form shows Michigan officials you have the state's minimum coverage. To follow SR-22 laws, you need to meet these requirements:

• $50,000 personal injury liability per person
• $100,000 personal injury liability per accident
• $10,000 property damage liability per accident
• $250,000 personal injury protection (PIP) per accident
• Property protection insurance (PPI) coverage for any damage caused to other people's property in an accident

In Michigan, SR-22 certificates are usually required for four years.

Along with using an SR-22 for four years to comply with Michigan's minimum coverage laws, drivers must follow these other rules:

• Fees: You must pay a fee to regain driving privileges and file the SR-22 form to prove liability coverage.
• Insurers' policies: After an SR-22 filing, your current insurer may cancel or refuse to renew your policy, requiring you to find a new provider.
• Continuous coverage: You must maintain uninterrupted coverage during the four-year SR-22 period. Lapses can result in penalties or license suspension, as insurers must notify the state of coverage gaps.
• Relocation: If you move out of Michigan during the SR-22 period, coordinate with your insurer for out-of-state filing.
• Cancellation: After completing the four-year requirement, your insurer must file a financial responsibility cancellation with the state, confirming you’ve fulfilled the SR-22 obligation.

To avoid penalties and get your license back after a serious violation, keep your SR-22 coverage for the entire period. If you need coverage, get an SR-22 insurance quote. Finding insurance with an SR-22 can be tricky. Insurers might cancel your policy or refuse coverage when you file, making it harder than for drivers with clean records.

High-risk drivers may find fewer companies offering coverage, leading to limited choices and higher premiums. When getting an SR-22 insurance quote, check with your insurer for the exact fee if it's your first time filing. Use these tips to find cheaper SR-22 insurance:

Non-owner insurance provides coverage for those who drive frequently but don’t own a vehicle. It protects you when driving someone else’s car, covering third-party injuries or property damage if you cause an accident.

A non-owner policy is often cheaper than standard insurance. Comparing quotes can help you find the best rates. After purchasing non-owner car insurance, your insurer can file an SR-22, helping you comply with state laws and reinstate your license after four years.

Michigan drivers with severe offenses need an SR-22 to prove they have minimum coverage. Keep this form for four years for serious or repeated offenses. Although SR-22 insurance rates are higher, several cheap car insurance providers in Michigan exist for these drivers.

Below are frequently asked questions about SR-22 certifications in Michigan:

MoneyGeek analyzed 127,836 quotes from nine companies across 258 ZIP codes to determine the average cost of car insurance premiums for drivers of various profiles and needs in Michigan.

Michigan Driver Profile

We collected data for a sample driver with the following attributes:

• 40-year-old male
• Driving record with a DUI or an at-fault accident causing $1,000 to $1,999 in property damage
• 2012 Toyota Camry LE
• 12,000 miles driven annually

Coverage Levels and Deductibles

We gathered quotes for minimum coverage policies to help drivers find the cheapest SR-22 insurance for their coverage needs. Quotes were based on Michigan's minimum coverage requirements, with the following limits:

• $50,000 personal injury liability per person
• $100,000 personal injury liability per accident
• $10,000 property damage liability per accident
• $250,000 personal injury protection (PIP) per accident
• Property protection insurance (PPI) coverage for any damage caused to other people's property in an accident

For the most affordable policy with comprehensive and collision coverage — also called full coverage — we used the following limits with a $1,000 deductible:

• $100,000 bodily injury liability per person
• $300,000 bodily injury liability per accident
• $100,000 property damage liability per accident

Learn more about MoneyGeek's car insurance methodology.