Michigan SR-22 & High-Risk Auto Insurance
Michigan requires 50/100/10 liability coverage and is a no-fault state.
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Michigan at a Glance
50/100/10
Minimum liability limits, in thousands of dollars (per person / per accident / property)
No-fault
Each driver's own policy pays their injuries first, whoever caused the crash
Required
PIP coverage must be on every policy
Yes
A defensive driving course can reduce points on your record
Source: state DMV, insurance department and statute records, verified July 2026
State Requirements
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.
Liability Insurance
SR-22 Insurance
Personal Injury Protection (PIP)
Uninsured Motorist Coverage
Full Coverage
Cost Overview
$305–$569/mo
Typical monthly rate in Michigan, drivers after a speeding ticket
Rate data: ValuePenguin and CarInsurance.com, 2026
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See Carriers That Cover YouFrequently Asked Questions
How long does SR-22 last in Michigan?
Michigan requires SR-22 filing for 2 years from your conviction or license reinstatement date. If your insurance lapses during this period, the clock resets and you must complete a new 2-year filing period. Your insurer notifies the Secretary of State within 10 days of any lapse, triggering immediate license suspension.
How many points until license suspension in Michigan?
Michigan suspends your license at 12 points accumulated within 2 years. Speeding 1–10 mph over adds 2 points, 11–15 mph over adds 3 points, and reckless driving adds 6 points. Points remain on your record for 2 years from the violation date but the conviction stays for 7 years and affects insurance rates during that period.
Coverage Types
Liability Insurance
Covers damage and injury you cause to others. Required by Michigan law and the only coverage available to some high-risk drivers after DUI or multiple violations.
SR-22 Insurance
Certificate filed by your insurer proving you carry minimum liability. Required after DUI, license suspension, or driving uninsured in Michigan.
Non-Standard Auto Insurance
Policies designed for drivers with violations, accidents, DUI, or SR-22 requirements who cannot obtain standard coverage.
Full Coverage
Liability, comprehensive, and collision combined. Required by lenders if you finance or lease your vehicle.
Uninsured Motorist Coverage
Covers your injuries if hit by a driver without insurance. Optional in Michigan but recommended given the state's 14% uninsured driver rate.
Personal Injury Protection (PIP)
Covers medical expenses after an accident regardless of fault. Michigan allows drivers with qualifying health insurance to opt out or select lower limits.