120+ more*Quotes generated for Insurify users from Michigan within the last 10 days. Last updated on September 4, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users from Michigan within the last 10 days. Last updated on September 4, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
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15 years at the Boston Globe
5+ years covering insurance industry
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Licensed auto and home insurance agent
4+ years experience in insurance and personal finance editing
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Licensed property and casualty insurance agent
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NPN: 21630969
Updated
An SR-22 is an insurer-filed certificate proving that a driver maintains coverage that meets the state’s minimum financial responsibility requirements.
Michigan generally requires drivers to maintain an SR-22 filing for three years without a lapse in coverage.
Not every insurer will handle SR-22 requests, and your insurer could drop you if you require an SR-22 form.
An SR-22 isn’t a separate insurance policy. It’s a certificate from an authorized insurer confirming that a driver has an active motor vehicle policy that meets or exceeds a state’s minimum requirements. Michigan’s official materials generally call this “financial responsibility insurance” or a “certificate of financial responsibility,” rather than using the term SR-22.
Michigan drivers generally must carry minimum liability coverage of at least $50,000 per person and $100,000 per accident in bodily injury liability, plus $10,000 in property damage liability for accidents outside Michigan. A Michigan no-fault policy must also include property protection insurance and an eligible level of personal injury protection.[1]
Insurers commonly charge about $25 to file an SR-22, though the fee varies by state and insurance company.
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If the certified policy is canceled, Michigan law requires the insurer to notify the Secretary of State at least 10 days before coverage ends. Because proof of financial-responsibility insurance is required for a financial-responsibility-restricted license, a lapse could leave the driver without the proof needed to maintain those restricted driving privileges.
Here, you can see more specifics related to filing an SR-22 form in Michigan.
SR-22 Insurance | Michigan Requirement |
|---|---|
| Minimum liability limit | $50,000/$100,000 bodily injury and $10,000 out-of-state property damage |
| Filing fee | Commonly about $25; varies by insurer |
| Filing agency | Michigan Dept. of State |
| Who files the certificate? | The insurance company |
| Owner certificate | Covers vehicles registered in the driver’s name |
| Operator certificate | Covers the driver in vehicles not registered in the driver’s name |
| Processing time | Approximately two to four weeks |
| Cancellation notice | Insurer must file notice with the state at least 10 days before termination |
| Typical filing period | Three years |
Michigan drivers with an SR-22 pay averages of $151 per month for liability insurance and $264 for full coverage. Drivers with clean records average $130 and $228 per month, respectively.
The SR-22 certificate’s filing fee contributes little to the overall expense. Rates are typically higher because an accident, a conviction for operating while intoxicated (OWI), or an instance of driving without insurance causes insurers to classify the driver as a high-risk driver. The driver’s prior record — including any at-fault accidents or traffic violations, location, vehicle, coverage, and insurer — also affects the premiums.
Here, you can see how rates climb for drivers requiring an SR-22 compared to those with a clean record.
Driver Profile | Average Monthly Cost: Liability Only | Average Monthly Cost: Full Coverage |
|---|---|---|
| Clean record | $130 | $228 |
| With SR-22 | $151 | $264 |
Auto-Owners and USAA offer Michigan’s cheapest average liability rates for drivers with an SR-22.
Here, you can see how rates differ from several different Michigan insurers.
Insurance Company | Liability Only | Full Coverage |
|---|---|---|
| Auto-Owners | $79 | $136 |
| USAA | $80 | $137 |
| Chubb | $87 | $148 |
| National General | $122 | $271 |
| Safeco | $129 | $225 |
| Progressive | $130 | $189 |
| Liberty Mutual | $150 | $268 |
| Allstate | $151 | $316 |
| Bristol West | $160 | $314 |
| Direct Auto | $160 | $341 |
| State Farm | $164 | $281 |
| GEICO | $188 | $278 |
| Travelers | $190 | $325 |
You may need SR-22 insurance in Michigan in several instances. One of the most common is if you’re an uninsured driver who causes an accident and fails to pay the resulting court judgment. In that case, the injured party can sue, and the state can suspend your license until you pay the judgment or the courts approve an installment agreement.[2]
To receive a financial responsibility restricted license while paying the judgment, you must submit a partial-payment agreement and proof of qualifying financial responsibility insurance.
In other instances, you may have to satisfy an SR-22 order from a court or another state. But Michigan’s official guidance doesn’t say that every OWI, reckless driving conviction, license suspension, or accumulation of points automatically requires an SR-22. Instead, you should rely on the notice or order issued in the individual case.
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Follow these steps to get SR-22 insurance in Michigan.
Confirm what the state requires. Review your suspension notice, court order, or Michigan DMV driving record to determine why you need to have proof of financial responsibility. You can purchase a driving record through the Michigan Department of State, which functions as the state’s DMV.
Address the unpaid judgment. If a financial responsibility judgment caused the suspension, pay the judgment or establish a partial-payment agreement with the injured party. A driver can ask the court to establish installments if the injured party refuses to sign an agreement.[3]
Choose the correct policy. An owner’s policy covers vehicles registered in your name. An operator’s policy covers you while driving vehicles not registered in your name. Some drivers may need both.
Ask an insurer to file the certificate. Michigan law requires the certificate to come from an insurer authorized to conduct business in the state. The insurer sends the certificate to the Michigan Department of State. Not all insurers will file an SR-22, and if yours won’t, you’ll need to find a new insurer.
Allow time for processing. Michigan says the process may take two to four weeks. An insurance application isn’t acceptable in place of the completed certificate.
Complete the reinstatement requirements. Submit any required payment agreement, and pay applicable fees. Michigan’s standard license-reinstatement fee is $125, although the amount you’ll pay depends on the sanction.[4]
Michigan generally requires proof of future financial responsibility for three years. The secretary of state may waive the requirement after three years if the driver hasn’t received another conviction requiring license suspension or revocation during that period.[2]
A pending damages action, unsatisfied judgment, or qualifying recent accident can prevent the state from approving the cancellation, though. Drivers who surrender their licenses and then reapply within the three-year period must reestablish proof for the remainder of the term.
Here are answers to some common questions about Michigan’s financial-responsibility insurance requirements.
Michigan drivers with an SR-22 pay an average of $151 monthly for liability insurance and $264 for full coverage, according to Insurify data.
Michigan can require financial responsibility insurance, particularly when an uninsured, at-fault driver has an unpaid accident judgment and seeks restricted driving privileges.
Michigan doesn’t establish a uniform filing price. Insurers generally charge approximately $25, although the amount and payment schedule can vary.
Michigan generally requires proof of financial responsibility for three years, assuming the driver satisfies the conditions for ending the requirement.
Insurify data scientists analyzed more than 250 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 500+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.
Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).
Liability-only premium averages correspond to policies with the following coverage limits:
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
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15 years at the Boston Globe
5+ years covering insurance industry
Licensed auto and home insurance agent
4+ years experience in insurance and personal finance editing
NPN: 20564519
Featured in
Licensed property and casualty insurance agent
10+ years editing experience
NPN: 21630969
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