Michigan SR-22 Insurance After DUI & Violations
Michigan requires 50/100/10 liability coverage and is a no-fault state.
Find Affordable Coverage After SR-22Michigan 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
$125
State license reinstatement fee
Source: state DMV, insurance department and statute records, verified July 2026
Minimum Coverage Requirements in Michigan
The Michigan Department of State issues SR-22 requirements after DUI convictions, driving without insurance, at-fault accidents without coverage, and accumulated license points.
Bodily Injury Liability
Property Damage Liability
Personal Injury Protection (PIP)
Uninsured/Underinsured Motorist Coverage
Comprehensive and Collision
What Drivers Pay in Michigan
$362–$670/mo
Typical monthly rate in Michigan, high-risk drivers after a DUI
Rate data: ValuePenguin and Insurify, 2026
What Affects Your Rate
- Continuous coverage tenure: a single lapse during or after SR-22 can reset rate recovery by 12–18 months with most carriers
Your SR-22 Is Over. Your Rate Should Drop Too
Find Affordable Coverage After SR-22If your license is suspended
Restricted license (offense-specific; incl. Specialty/Sobriety Court restricted license)
A restricted license is available while suspended.
A coverage lapse is reported
The state can act when your insurance lapses.
Source: state DMV, insurance department and statute records, verified July 2026
Coverage Types
SR-22 Insurance
A certificate filed by your insurer with the Michigan Department of State proving you maintain minimum liability coverage. Required for 2 years after DUI, driving without insurance, or major violations.
Non-Standard Auto Insurance
Coverage from carriers that specialize in high-risk drivers during active SR-22 periods. Policies often include restricted payment plans, higher down payments, and limited coverage options compared to standard carriers.
Liability Insurance
Covers bodily injury and property damage you cause to others in an accident. Michigan requires 50/100/10 minimums, but post-SR22 drivers benefit from higher limits to access better carriers and demonstrate improved risk.
Full Coverage
Liability plus comprehensive and collision coverage for your own vehicle. Includes optional PIP in Michigan and protects against theft, weather, and at-fault accidents. Required by lenders if you finance or lease.
Uninsured Motorist Coverage
Protects you if you're hit by a driver with no insurance or insufficient coverage. Optional in Michigan but critical in high-uninsured areas like Detroit and Flint where 1 in 5 drivers operate without coverage.
Comprehensive Coverage
Covers theft, vandalism, fire, weather damage, and animal strikes. Optional unless required by your lender. Deductibles for post-SR22 drivers are typically higher until you transition to a standard carrier.