Cheapest SR-22 Car Insurance in Michigan

Progressive delivers Michigan's most affordable SR-22 insurance at $1,785 for minimum coverage and $2,846 for full coverage. That minimum rate is $4,471 below the state average of $6,257, a significant 66% discount in a market where premiums are often elevated.  

Pioneer State Mutual Insurance, the most expensive on our list, costs $3,541 for minimum coverage, still 43% below the state average but $1,756 more than Progressive. Premium differences are most noticeable for drivers shopping for lower-cost insurance for high-risk drivers with an SR-22.

You can find the five insurers offering Michigan's cheapest SR-22 premiums in the table below.

* Rates represent a 40-year-old male driver with a DUI, good credit and a 2012 Toyota Camry LE.

Progressive most often emerges as the category winner in this dataset. The least expensive category is Drivers With Other Violations, priced at $703 for minimum coverage SR-22 insurance with Travelers, while the most expensive is Drivers With Hit-And-Run Accident, at $2,136 with Progressive. The $1,433 spread underscores how leaving an accident scene dramatically escalates SR-22 costs.

Insurers still price SR-22 policies based on violation severity and history, so individual quotes can vary even within the same category label.

* Rates for most drivers are represented by a 40-year-old male driver with a DUI, good credit and a 2012 Toyota Camry LE. All other profiles are modifications of these factors. Young drivers are represented by 25-year-olds, and seniors are represented by 65-year-olds; all other violations represent those with suspensions that are not due to driving violations.

Grand Rapids records the lowest minimum coverage SR-22 at $1,055 (Progressive), while Detroit is most expensive at $2,941 (Progressive). The $1,886 gap equals about 179% more in Detroit, reflecting heavier traffic, higher claim severity, and costlier repairs in the metro.

Population density, collision frequency, and repair economics are major drivers of Michigan's city-to-city SR-22 variation.

* Rates represent a 40-year-old male driver with a DUI, good credit and a 2012 Toyota Camry LE.

Progressive is the best car insurance provider for SR-22 filing because it offers the greatest balance of affordable rates, good customer service and useful coverage options, earning the highest overall MoneyGeek score. However, you should also consider Auto-Owners, Travelers, AAA and Pioneer State Mutual in your search.

SR-22 car insurance in Michigan costs $4,054 yearly for minimum coverage and $7,974 annually for full coverage policies. Michigan ranks as the 40th most affordable for minimum coverage and 39th for full coverage. Monthly premiums can range from $108 to $1,933, depending on your driver profile.

*Average rates shown represent a 40-year-old male driver with a DUI, good credit and a 2012 Toyota Camry LE.

Our analysis of Michigan SR-22 insurance rates shows Ahmeek has the lowest monthly premiums at $206, while Detroit rates are highest at $574. Below you can review costs for major cities in the state for both full and minimum required coverage policies.

* Rates shown are for a 40-year-old male driver with a DUI, good credit and a 2012 Toyota Camry LE.

To comply with Michigan laws, you must carry these minimum liability limits:

• $50,000 personal injury liability per person
• $100,000 personal injury liability per accident
• $10,000 property damage liability per accident

In Michigan, SR-22 certificates are typically required for three years. This period can extend beyond three years based on your specific violation, noncompliance with requirements or repeated offenses.

Michigan drivers need to understand various insurance laws and regulations beyond just filing an SR-22 to meet the state's minimum coverage requirements.

In Michigan, drivers with severe violations must file an SR-22 to prove they have minimum coverage. This requirement varies in length, depending on the offense. While an SR-22 costs more, cheap car insurance options are available for these drivers.

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

MoneyGeek analyzed hundreds of thousands of quotes across Michigan to determine the average cost of car insurance premiums for drivers with various profiles that would likely need an SR-22. All data was sourced from Quadrant Information Services and extrapolated by our team to give you personalized recommendations for your specific profile.

Michigan SR-22 Driver Profile

We collected data for a sample driver with the following attributes and modified it to other common profiles for those needing an SR-22:

• 40-year-old male
• Driving record with a DUI
• 2012 Toyota Camry LE
• 12,000 miles driven annually
• Suspended license
• Single
• No claims history

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

We based our analysis for full coverage quotes that include comprehensive and collision protection on these coverage amounts 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

Our Best SR-22 Company Rating Methodology

We rated all companies based on the following rating scale:

• Affordability (60% of score): We analyze premium costs by gathering quotes across multiple driver profiles and comparing pricing against regional competitors. This substantial weight reflects the primary concern most consumers have when selecting insurance coverage.
• Customer experience (30% of score): Our customer service evaluation includes Google reviews, J.D. Power scores, AM Best financial ratings, and consumer feedback from Reddit discussions. We check these different sources to see how companies really perform for their customers.
• Coverage options (10% of score): We evaluate the breadth and depth of available coverage types, examining both the quantity of options and the distinctiveness of specialized benefits or unique features each provider offers.

Learn more about MoneyGeek's car insurance methodology.