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What Is SR-22 Insurance in Michigan and How Much Does It Cost?

Typically, the Michigan Secretary of State (MI SOS) requires high-risk drivers (those who are convicted of serious traffic violations) to file an SR-22 Certificate of Financial Responsibility before they can reinstate their driver licenses. The SR-22 proves they’re meeting the state’s minimum liability requirements. While the filing fee is only about $25, the car insurance premiums will be more expensive than usual. Most drivers keep SR-22 for 3 years.

What Is SR-22 Insurance in Michigan?

When you hear someone talk about “SR-22 insurance,” they’re not talking about actual car insurance; rather, SR-22 is an insurance filing requirement. When you’re convicted of a serious traffic offense, the Michigan Secretary of State (MI SOS) will require you file an SR-22 Certificate of Financial Responsibility proving you’re actively meeting the state’s minimum liability insurance requirements.
Car insurance with an SR-22 filing requirement has notoriously high premiums, but the filing fee itself is only about $25. The MI SOS requires most high-risk drivers to maintain SR-22 for 3 years.

When Do You Need an SR-22 in Michigan?

The MI SOS suspends or revokes your driver’s license when you’re convicted of a serious traffic offense. One of the requirements to reinstate your license is to file an SR-22 Certificate of Financial Responsibility.

The most common offenses associated with SR-22 coverage include:

  • Drug- and alcohol-related violations including OUIL (Operating under the influence of intoxicating liquor) and OWI (Operating While Intoxicated).
  • Causing an accident.
  • Speeding significantly over the speed limit.
  • Careless or reckless driving.
  • Driving with a suspended or revoked license.
  • Driving with no insurance.
  • Car accident with no insurance.

After your SR-22 filing period is over and you meet all the other reinstatement requirements, the MI SOS will reinstate your driver’s license.

How Much Does SR-22 Insurance Cost in Michigan?

It doesn’t cost much to file the SR-22 Certificate of Financial Responsibility; usually, the filing fee is around $25.

Also, you aren’t buying any more coverage when you have to file SR-22 than you’d purchase if you didn’t. The MI SOS requires the same minimum liability coverage requirements.
However, the car insurance premiums are much higher than regular auto insurance rates. Let’s take a look at how some of the most common serious violations affect auto coverage costs. Michigan auto insurance providers severely penalize drivers with drinking violations over other violations including an at-fault accident and speeding.

OffenseAverage MI Annual Rate% Increase
At Fault Accident$3,54835.2%
Speeding Ticket$3,97251.3%

Rates After a DUI

These are the average rates you can expect from a few reputable car insurance companies if you need SR-22 filing due to a DUI conviction:

Insurance ProviderAverage MI Annual Rate After DUI
Auto Owners Insurance$3,938
State Farm$7,437

Progressive is the most affordable insurance provider if you have a DUI, followed by Auto Owners Insurance. Here are other insurance providers to consider if you have a DUI.

As you can see, your SR-22 coverage premiums will depend on your specific violation. Rates also depend on the car insurance company itself. Compare some of the highest rated insurance companies for high-risk drivers as you shop around for affordable SR-22 coverage.

How Does SR-22 in Michigan Work?

Aside from the higher premiums, buying auto insurance with SR-22 filing is similar to buying any other kind of car insurance.

When the MI SOS alerts you of your SR-22 filing requirement, it’s time to purchase a policy. Most reputable car insurance providers are authorized to sell coverage policies with SR-22 filing services. So, you can stick with your current provider or shop around for more affordable quotes. Just remember: if you don’t currently own a car, tell the agent you need Non-Owner SR-22 Insurance.

Once you have a new policy, file the SR-22 Certificate of Financial Responsibility with the MI SOS. Typically, an agent with your insurance provider will take care of this for you. You aren’t allowed to drive again until you file the SR-22 document, complete all other license reinstatement procedures, and the MI SOS has reinstated your driver’s license.

You must maintain your SR-22 filing for a period of time; typically, 3 years, but the MI SOS can determine longer. Note that if you cancel or let lapse your coverage, your insurance provider will notify the MI SOS and the state can once again suspend or revoke your driver’s license and even your vehicle registration.
After your SR-22 filing period is up, you can begin comparing auto insurance quotes to find a cheaper cheaper car insurance policy. Also, be sure to use our guide to find the best cheap car insurance in Michigan.

Final Thoughts

The MI SOS requires “high-risk drivers” — those drivers who’ve committed serious traffic violations such as drug or alcohol offenses — to file an SR-22 Certificate of Financial Responsibility before they can reinstate their driver licenses. It costs only about $25 to file SR-22 documentation, but the annual premiums are higher than normal. Typically, drivers must meet SR-22 filing requirements for 3 years; after that, they can shop for more affordable auto coverage.

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