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
Compare rates from carriers that work with drivers who have points
Standard carriers surcharge heavily after violations. These specialists price your specific record differently.
Get Your Free QuoteCoverage 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.
