Cheapest SR-22 insurance in Michigan
Progressive has the cheapest SR-22 insurance in Michigan. On average, Progressive costs $162 per month or $1,945 a year for high-risk drivers. That’s $2,736 cheaper than average.
Drivers in Michigan can also get cheap SR-22 insurance from USAA (if they’re in the military or a part of a military family) and Pioneer State Mutual. Cost depends on the driver, so make sure to compare rates before buying a policy.
Company | Average monthly cost of SR-22 insurance | Average yearly cost of SR-22 insurance |
|---|---|---|
Progressive | $162 | $1,945 |
USAA | $184 | $2,204 |
Pioneer State Mutual | $294 | $3,533 |
Auto-Owners | $304 | $3,651 |
Meemic | $329 | $3,952 |
Farm Bureau | $339 | $4,069 |
GEICO | $343 | $4,114 |
Methodology: Why you can trust our picks for the cheapest SR-22 insurance in Michigan
We found the cheapest SR-22 insurance in Michigan by calculating the average rate for drivers with a suspended license, DUI, or a reckless driving citation.
Our sample driver was a 30-year-old male driver of a 2017 Toyota Camry LE with average credit who had a policy with the following limits:
Bodily injury liability: $50,000 per person, $100,000 per accident
Property damage liability: $50,000 per accident
Uninsured/underinsured motorist: $50,000 per person, $100,000 per accident
Comprehensive: $500 deductible
Collision: $500 deductible
Some carriers may be represented by affiliates or subsidiaries. Rates provided are a sample of insurance costs. Your actual quotes may differ.
What is SR-22 insurance in Michigan?
SR-22 insurance isn’t a type of car insurance. It’s actually just a form that your insurance company files on your behalf that proves you have car insurance. An SR-22 in Michigan must show you have at least:
Bodily injury liability (BIL): $20,000 per person, $40,000 per accident
Property damage liability (PDL): $10,000 per accident
Not everyone in Michigan needs SR-22 insurance. Michigan requires an SR-22 if you’re caught driving without car insurance, or after another serious violation, like if you get too many points on your license or if you’re caught drinking and driving.
SR-22 insurance in Michigan for non-residents
Under Michigan law, drivers who don’t live in the state or have moved out of Michigan still need to file an SR-22 if they’re caught driving without insurance. If you don’t, your license will still be suspended until an insurer in your state files an out-of-state SR-22 for you.
How to get SR-22 insurance in Michigan
The first step for drivers who need an SR-22 is to check with their current car insurance company. If you don’t have car insurance already or your current car insurance company won’t file an SR-22 for you, follow these steps to get SR-22 insurance in Michigan:
Find companies offering coverage: Not every company offers SR-22 insurance. Just to be safe, you should plan to spend extra time shopping around.
Pay any fines (and avoid having to pay twice): You’ll have to pay a fine of at least $500 if you’re caught without insurance in Michigan, so you’ll need to pay it before you can get your license back. If you let your SR-22 insurance lapse, you’ll have to pay the fine a second time.
Request a license reinstatement hearing: Don’t assume that just because you have an SR-22 that you can get back on the road. Michigan requires some drivers to request a hearing before they can start driving again. You may receive a notice from the state, but if you don’t you can check on the Michigan Secretary of State website to see if you need a hearing.
Non-owner SR-22 insurance in Michigan
Non-owner insurance is basic auto insurance for drivers who don’t own their own car. If your license is suspended and you don’t own a car, a non-owner SR-22 policy can help you reinstate your license.
It’s usually cheaper to get an SR-22 with non-owners insurance because non-owners insurance has lower limits than a typical policy. It also doesn’t include any of the coverage you need if you own a car, like comprehensive or collision.
Not every company offers non-owners insurance, and even fewer offer non-owner SR-22 insurance. Also, non-owner insurance usually isn’t available online, only by phone. If you’re in Michigan, you should plan to check with a few companies before you find a policy.
Frequently asked questions
How long can you drive a car without insurance in Michigan?
In Michigan, you can’t drive a car for any period of time if you don’t have insurance for it. Even if you have just bought a car, you’ll need to make sure you have insurance before you hit the road.
What happens if you’re caught driving without insurance in Michigan?
If you’re caught driving without insurance in Michigan, your license will be suspended and you’ll have to pay a fine. You’ll also have to find a car insurance company that will file an SR-22 for you.
Is no-fault insurance the same as SR-22 insurance in Michigan?
No-fault insurance is different from SR-22 insurance. Michigan is a no-fault state, but that just means that you need to have personal injury protection (a type of car insurance that pays for your own injuries no matter who’s at fault for the crash).
