Michigan SR-22 Auto Insurance

The Zebra
Nov. 16, 2018

If an SR-22 is required in order for you to get car insurance in Michigan, you're not the only one. This fairly common insurance requirement is sometimes necessary after a citation like a DUI, a ticket for driving without proof of insurance, an at-fault accident, driving with a suspended license, or collecting too many points on your license.

Finding affordable insurance coverage with an SR-22 certificate in Michigan might not be easy, but it could pay off in the end. We analyzed how much a Michigan SR-22 certificate costs and how to get one — let's look at the details.


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How much does a Michigan SR-22 cost?

Insurance with an SR-22 stipulation in Michigan tends to be expensive. This isn't a direct result of the SR-22 — filing fees usually total $15 to $35 — but a product of the insurance premium increases caused by the violation that made the SR-22 necessary in the first place.

Insurance companies bill high-risk drivers more expensive premiums to account for the more substantial risk of having to pay out a claim after a crash. The rate increase you’ll receive may depend on the frequency and severity of the violations — below are average auto insurance prices for drivers with SR-22s in Michigan.


MICHIGAN INSURANCE RATES BY CITATION
High-risk rating factorAverage annual rateIncrease vs. no citations
No citations$2,611.75
At-fault collision (>$2,000)$3,513.00$901.25
Speeding (21-25 mph > limit)$3,913.11$1,301.36
Reckless driving$7,468.45$4,856.70
Racing$7,039.00$4,427.25
Leaving the scene$6,067.98$3,456.23
DUI$7,239.28$4,627.53

If you are looking for inexpensive car insurance after getting a SR-22, we're ready to help. Enter your ZIP code below to get personalized car insurance rates from top insurance companies.


How to acquire an SR-22 in Michigan


Already insured:

If you already have car insurance, obtaining an SR-22 shouldn't be too difficult. Contact your auto insurance company ask them to file a SR-22 request on your behalf. If your current insurance company declines to file for an SR-22, you should shop for a new policy with a new insurance company.

Uninsured?

When applying for auto insurance, you might face an additional fee to cover the SR-22 request and to account for your less-than-optimal insurance profile. Needing an SR-22 might disqualify you from buying insurance from some companies, while others would be happy to cover you.

For non-owners:

Not owning a vehicle makes it more difficult to get an SR-22, as you will need to show proof of insurance to get the certificate. If you don't own a car, you should buy a non-owners auto insurance policy before filing an SR-22 request. Non-owners auto coverage is often less expensive than standard coverage since it doesn't insure against physical damages to your car.

Methodology

From September to December 2017, The Zebra conducted car insurance price analysis using its proprietary quote engine, incorporating data from insurance rating platforms and public rate filings. The Zebra examined nearly 53 million premiums to identify trends related to specific car insurance pricing factors across all United States ZIP codes, averaged by state, including Washington, D.C.

Learn more about SR-22 certificate requirements and how they impact car insurance rates.

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