Updated March 2026
State Requirements
Michigan requires minimum liability coverage of $50,000 bodily injury per person, $100,000 per accident, and $10,000 property damage, though drivers can opt out of personal injury protection (PIP) if they have qualified health insurance. SR-22 filing is required for DUI convictions, multiple violations within 2 years, driving without insurance, or license suspension. The state uses a point system where accumulating 12 points in 2 years triggers license suspension. Most traffic violations add 2–4 points and remain on your record for 2 years, though the conviction stays for 7 years and affects insurance rates during that period.
Cost Overview
High-risk auto insurance in Michigan costs $2,800–$5,200 annually for drivers with violations, compared to $1,400–$2,200 for clean records. DUI convictions typically increase premiums 60–120%, while at-fault accidents raise rates 40–70% for 3–7 years. Michigan's historically high insurance costs—driven by unlimited PIP mandates until 2020 reforms—mean even small violations have outsized rate impacts.
What Affects Your Rate
- Violation type: DUI increases rates 60–120%, at-fault accidents 40–70%, speeding tickets 15–35%
- Points on license: 2 points raise rates 15–25%, 4 points raise rates 30–50%
- Time since violation: Rates decrease 10–20% per year after 3 years with no new violations
- ZIP code: Detroit high-risk drivers pay $4,800–$7,200/year vs. $2,400–$4,200 in Grand Rapids
- PIP selection: Opting out or choosing $50,000 PIP saves $800–$1,500 annually for high-risk profiles
- SR-22 requirement: Adds $1,200–$2,400/year by limiting carrier options to non-standard insurers
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Frequently Asked Questions
Sources
- Michigan Secretary of State - SR-22 Requirements and Filing Procedures
- Michigan Department of Insurance and Financial Services - Auto Insurance Rate Data
- Michigan Compiled Laws 257.509 - Financial Responsibility Requirements