Updated April 2026
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
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Sources
- Michigan Secretary of State - Driver License Sanctions and Requirements
- Michigan Department of Insurance and Financial Services - Auto Insurance Information
- Michigan Compiled Laws - Motor Vehicle Code (MCL 257.509)