Minimum Coverage Requirements in Michigan
Michigan requires minimum liability coverage of 50/100/10: $50,000 bodily injury per person, $100,000 per accident, and $10,000 property damage. SR-22 filing is required for DUI convictions, multiple at-fault accidents, driving without insurance, and license reinstatement after suspension. Michigan also operates under no-fault PIP (Personal Injury Protection) rules, which add another layer to high-risk policies.
How Much Does Car Insurance Cost in Michigan?
High-risk drivers in Michigan typically pay $240–$400/mo for minimum liability coverage with SR-22 filing, depending on violation type and driving history. DUI convictions carry the steepest surcharges, often doubling or tripling premiums. Michigan's no-fault PIP requirement adds another $100–$200/mo to most high-risk policies, making total costs significantly higher than liability-only states.
What Affects Your Rate
- Violation type: DUI/OWI convictions carry the highest surcharges in Michigan, often 150–250% over base rates
- Points on license: drivers with 8–11 points face surcharges of 40–80%; 12 points triggers automatic suspension
- SR-22 filing status: the filing itself is $20–$35, but the high-risk classification increases premiums by 80–200%
- PIP selection: choosing reduced PIP limits (if eligible) can lower costs, but high-risk drivers are often ineligible for the lowest tiers
- Lapse history: any coverage gap during SR-22 period adds 20–50% to premiums upon reinstatement
- Carrier availability: non-standard carriers in Michigan vary widely; shopping 3–5 carriers can yield differences of $100+/mo
Compare rates from carriers that work with drivers who have points
Standard carriers surcharge heavily after violations. These specialists price your specific record differently.
Get Your Free QuoteCoverage Types
Liability Insurance
Covers injuries and property damage you cause to others. Michigan's 50/100/10 minimums are low compared to accident costs, which frequently exceed $100,000 in serious collisions.
Full Coverage
Combines liability, collision, comprehensive, and Michigan's required PIP. Protects your vehicle and covers medical expenses under no-fault rules.
SR-22 Insurance
A certificate filed by your insurer proving you carry continuous liability coverage. Required for DUI, suspensions, and uninsured accidents in Michigan.
Non-Standard Auto Insurance
Policies designed for drivers with DUIs, suspensions, lapses, or multiple violations. These carriers specialize in high-risk profiles and SR-22 filing.
Uninsured Motorist Coverage
Covers your injuries and vehicle damage if you're hit by an uninsured or underinsured driver. Optional in Michigan but recommended for high-risk drivers.
Personal Injury Protection (PIP)
Michigan's no-fault coverage pays for medical expenses, lost wages, and rehabilitation costs regardless of fault. Required for all drivers unless you opt out with qualifying health insurance.
