State Requirements
Michigan requires minimum liability coverage of $50,000 bodily injury per person, $100,000 per accident, and $10,000 property damage, plus unlimited personal injury protection (PIP) or opt-down options starting at $50,000 if qualified. SR-22 filing is required for DUI convictions, driving without insurance, multiple violations resulting in suspension, and at-fault accidents while uninsured. High-risk drivers with SR-22 requirements face significantly higher premiums and limited carrier availability in the non-standard market.
Cost Overview
High-risk auto insurance in Michigan costs substantially more than standard policies due to no-fault PIP requirements and limited non-standard carrier competition. Drivers with DUI convictions pay 85–150% more than clean-record drivers, while those with multiple at-fault accidents or SR-22 requirements see increases of 60–120%. Michigan's unique unlimited PIP system amplifies these increases, making it one of the most expensive states for high-risk coverage.
What Affects Your Rate
- DUI or OWI conviction increases premiums 85–150% for 7–10 years in Michigan
- SR-22 filing requirement adds $1,800–$3,600 annually on top of violation surcharges
- Multiple at-fault accidents within 3 years can increase rates 60–120%
- PIP coverage level selected—unlimited, $500,000, $250,000, or $50,000—affects premiums by 40–70%
- Detroit and Flint metro area drivers pay 25–50% more than rural Michigan due to higher claim frequency
- Non-standard carriers assess points differently: 2+ speeding violations in 2 years may trigger non-renewal
Get non-owner SR-22 coverage without owning a vehicle
Compare carriers that offer non-owner policies with SR-22 filing — required for reinstatement in most states.
Get Your Free QuoteCoverage Types
SR-22 Insurance
Mandatory continuous coverage filing for drivers with DUI, suspension, or uninsured accident convictions. Requires maintaining state minimum liability and PIP without any lapse for 2–3 years.
Non-Standard Auto Insurance
Coverage for drivers declined by standard carriers due to DUI, multiple violations, lapses, or accidents. Offered by specialized high-risk insurers with higher rates and stricter underwriting.
Liability Insurance
Required bodily injury and property damage coverage for injuries and damage you cause. Michigan minimums are $50,000/$100,000 bodily injury and $10,000 property damage.
Personal Injury Protection (PIP)
No-fault medical coverage for injuries regardless of who caused the accident. Michigan requires unlimited PIP unless you qualify to opt down to $500,000, $250,000, or $50,000 with health insurance.
Uninsured Motorist Coverage
Protects you when hit by a driver with no insurance or insufficient limits. Covers medical bills, lost wages, and vehicle damage the at-fault driver cannot pay.
Collision & Comprehensive
Collision covers damage to your vehicle in accidents regardless of fault. Comprehensive covers theft, vandalism, weather, and animal strikes. Required by lenders on financed vehicles.
