Michigan SR-22 & High-Risk Auto Insurance

Michigan's minimum liability limits are among the lower thresholds nationally, which can expose high-risk drivers to significant out-of-pocket costs in serious accidents. After a DUI or at-fault accident, carriers often require higher limits before issuing a policy. Many non-standard insurers in Michigan write policies starting at state minimums but may deny claims or non-renew if you remain at minimums after a second violation.

Michigan's no-fault system requires PIP coverage, which pays for medical expenses regardless of who caused the accident. As of 2020, drivers can choose reduced PIP limits if they have qualifying health insurance, but high-risk drivers often pay significantly more for PIP than standard drivers. Drivers with DUI convictions or suspensions may be limited to higher-cost PIP tiers by non-standard carriers.

SR-22 is not a type of insurance but a certificate your insurer files with the Michigan Secretary of State proving you carry at least minimum liability coverage. It's required for DUI convictions, multiple violations, uninsured accidents, and license reinstatement.

Michigan does not require UM/UIM coverage, but it's strongly recommended for high-risk drivers who are statistically more likely to be involved in accidents. If you're hit by an uninsured driver, your own policy won't cover your injuries or vehicle damage unless you carry this coverage. Non-standard carriers often offer UM/UIM at higher rates but with lower limits.

Non-standard carriers specialize in writing policies for drivers with DUIs, suspensions, lapses, or multiple violations. In Michigan, these carriers include national non-standard writers and regional specialists. Policies often come with higher premiums, shorter terms (6 months instead of 12), and stricter reinstatement rules if you miss a payment during your SR-22 period.