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Michigan SR-22 Car Insurance (With Quotes)

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Doug Shaffer

By: Doug Shaffer

| Reviewed by licensed insurance agent, Amber Benka

Last Updated March 9, 2022

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Cheapest Companies for SR-22 Insurance in Michigan (2022)

For drivers with SR-22 in Michigan, it’s important that you evaluate all of your potential insurance options to ensure you are finding the best rate. Comparing the right insurance companies after this incident will allow you to get the best possible insurance rate after an SR-22.

To simplify comparing companies, Insurify has analyzed rates from top insurance providers in Michigan. The following are the best insurance rates from carriers that offer car insurance for drivers with an SR-22 in Michigan.

CarrierAvg. Monthly Cost
RateForce, Arrowhead$448
Kemper$465

How Much Does SR-22 Insurance Cost in Michigan?

Auto insurance coverage is already costly enough in Michigan, but having to obtain an SR-22 form can cause your rates to increase drastically. Typically, insurance providers will charge an average of 24 percent more for coverage in Michigan if a driver is required to maintain an SR-22. This increase can result in paying $113 more each month for auto insurance.

No Violation - Avgerage Monthly Rate
$470
With SR-22 - Average Monthly Rate
$583
$113 ▴
24.04% ▴
Difference in Average Monthly Rate
Percent Change in Average Monthly Rate

Insurify's comparison tool will help you make sure you're getting the best possible quote even after an SR-22. You can have peace of mind that you're reviewing all of your available insurance options and can confidently choose the one that is best for your situation.

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What Is an SR-22, and Who Needs One in Michigan?

Having an SR-22 form isn't a requirement for every driver. In fact, only drivers who have major driving violations in Michigan, such as a DUI, repeat traffic offenses or causing an accident without insurance, typically need it. Many insurance companies will offer the SR-22 document to motorists, but it often results in a fee on your auto insurance policy.

In Michigan, the SR-22 form is generally used as a way to prove to the state that a driver is maintaining the minimum auto liability insurance requirements. Many states, including Michigan, require that drivers who need an SR-22 form keep it for a minimum of three years.

How Much Does Credit Score Affect SR-22 Insurance Costs in Michigan?

Your credit score can have a significant impact on the overall cost of an SR-22 in Michigan. Compared to drivers without an SR-22, those who fall into the excellent category experience a smaller increase than customers in the other three tiers. For instance, drivers who have an excellent credit rating only see an increase of $95, whereas drivers who have poor credit scores can pay as much as $116 more.

Credit TierAvg. Monthly Rate - No Violation Avg. Monthly Rate - SR-22 Difference
Excellent$397$492$95
Good$443$549$106
Average$446$553$107
Poor$483$599$116

How to Find the Best SR-22 Insurance Rate in Michigan

Finding an affordable SR-22 option in Michigan can be difficult, especially if you haven't been exposed to the process before. With Insurify, obtaining an SR-22 in Michigan is easy and simple. By answering a couple of questions, you will be given a list of affordable SR-22 quotes within minutes to review, all on one screen.

Non-Owner SR-22 Insurance in Michigan

Customers who need to obtain an SR-22 but don't currently have a vehicle will want to look for non-owner insurance. The non-owner policy provides coverage for drivers who don't own a car but are still required to show proof of insurance to the state. It is important to note that this option is sometimes not available if someone in your household owns a car.

Alternatives to an SR-22 in Michigan

While there aren't any direct alternatives to getting around paying for an SR-22 in Michigan, there are ways to lower the cost you pay. Most customers assume that there is a standard SR-22 rate that everyone pays, but that isn't the case. Often, shopping around can give you the best chance of paying a lower amount for an SR-22 form.

How Do I Get SR-22 Insurance in Michigan

Obtaining an SR-22 can be expensive, making it nearly impossible to maintain coverage if an unexpected expense comes up. Shopping around for rates is the best way to ensure you have an affordable rate that you can manage. With Insurify, you can quickly compare SR-22 insurance rates in Michigan and select the quote that makes sense for you.

Frequently Asked Questions

  • In Michigan, the time requirement for maintaining an SR-22 is a minimum of three years. During this time, drivers must also maintain a clean driving record and the minimum auto insurance coverage, otherwise the length of time will be extended.

  • In Michigan, if you move out of the state, you will be required to transfer your SR-22 to your new location. You won't have to start the time requirement over, but you will need to finish out any remaining time. Often, contacting your insurance provider is the best way to ensure your SR-22 has been moved to the new area.

  • If you don't have a car, you will need to obtain a non-owner SR-22 instead of a standard SR-22 form. The non-owner option will help provide proof of insurance if it is needed to reinstate your license with the state.

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Methodology

The car insurance quotes displayed are based on an analysis of Insurify’s database of over 40 million quotes from 500 ZIP codes nationwide. To obtain representative rates, Insurify’s data science team performs frequent comprehensive analyses of the factors car insurance providers weigh to calculate rates including driver demographics, driving record, credit score, desired coverage level, and more.

Insurify’s analysis also incorporates the Insurify Composite Score (ICS) assigned to each insurance provider. The ICS is a proprietary rating that weighs multiple factors reflecting the quality, reliability, and health of an insurance company. Ratings used to calculate the ICS include Financial Strength Ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings; Consumer Reports customer satisfaction surveys and customer complaints; mobile app reviews; and user-generated company reviews. 

With the above insights and ranking methods, Insurify is able to offer car insurance shoppers insight into how various insurance providers compare to one another in terms of both cost and quality. Note, actual quotes will vary based on unique attributes including the policyholder’s driver history and their garaging address.

Doug Shaffer
Doug Shaffer

Content Writer at Insurify

Doug Shaffer is an insurance writer for Insurify. He has had the opportunity to write for several large, national insurance carriers in the past and brings with him over six years of experience working with both business and consumer products. Even though he enjoys writing for most product lines, he loves auto insurance the most. During the moments he manages to break away from the keyboard, he can be found spending time with his family.

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