If you need an SR-22 to get an auto insurance policy in Michigan, you are not alone. This relatively common requirement is triggered by a citation such as a DWI conviction, a citation for driving without proof of insurance, an at-fault crash with substantial property damage, driving with a suspended license, or acruing too many points on your license.
Finding cheap coverage with a SR-22 certificate in Michigan might require some research, but the savings are worth the trouble. We explored how much a SR-22 costs in Michigan and how to get one — let's look at the details.
Average SR-22 costs in Michigan
Insurance with an SR-22 in Michigan tends to be pricey. This isn't a direct cost of the certificate — typical filing fees are $15 to $35 — but because of the insurance rate increases triggered by the driving violation that made the SR-22 necessary in the first place.
Insurers bill high-risk motorists more expensive premiums because of the more substantial chance of having to pay out a claim after an accident. The rate increase you could receive will depend on the frequency and severity of your violations — below are typical auto insurance rates for drivers with SR-22s in Michigan.
MICHIGAN INSURANCE RATES BY CITATION
|High-risk rating factor||Average annual rate||Increase vs. no violations|
|At-fault crash (>$2,000)||$4,868||$1,772|
|Speeding (21-25 mph > limit)||$5,016||$1,920|
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How to obtain an SR-22 in Michigan
Currently insured?If you currently have auto insurance, getting an SR-22 is relatively easy. Phone your insurer ask them to file a SR-22 request on your behalf. If your current auto insurance company refuses to request an SR-22 certificate, you’ll need to shop for a new policy with a new insurance company.
Uninsured driversWhen filing for car insurance, you might face an up-front fee for the prospective insurer to file an SR-22 request form and to cover your more risky driving profile. Needing an SR-22 could disqualify you from being insured by some carriers, while others would be happy to cover you.
For drivers who don’t own a vehicleNeeding an SR-22 might disqualify you from purchasing insurance from some companies, while others would be happy to sell you a policy.
For drivers without a vehicleNot owning a vehicle makes it more difficult to obtain an SR-22, as you will need to furnish proof of insurance to receive the certificate. If you don't own a car, purchase a non-owners car insurance policy before asking for an SR-22. A non-owners policy is often less pricey than traditional coverage since it doesn't insure against physical damages to your car.
Methodology and data sources
The Zebra performed in-depth pricing analysis using our proprietary quote engine, comprising data from insurance rating platforms and public rate filings. The Zebra examined nearly 53 million rates to explore trends related to specific auto insurance rating factors across all U.S. ZIP codes, averaged by state, including Washington, D.C.