SR-22 in Michigan: What You Need to Know

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An SR-22 in Michigan is proof of future financial responsibility that high-risk drivers must carry to reinstate their driving privileges after their license has been revoked. Although it is often called "SR-22 insurance," it’s not really an insurance policy—it’s a certificate that your insurer files with the state to certify that you carry the minimum required liability insurance.
Because Michigan SR-22 insurance is required for drivers with a record of serious or repeat violations, the premiums that accompany an SR-22 filing can be significantly more expensive than regular car insurance.
Luckily, Jerry, a car insurance and broker app, has your back. By comparing quotes from the top 50 providers in the nation to find you a cheap car insurance policy, Jerry ensures you’re getting the best deal on SR-22 coverage.
Read on to learn who needs an SR-22 in Michigan, how to obtain it, and the keys to reducing the cost of your insurance so that your SR-22 penalty doesn’t hold you back from enjoying the open road.
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What is an SR-22 in Michigan?

An SR-22 is a certificate of financial responsibility required for Michigan drivers who have been deemed "high risk" because of severe or excessive traffic offenses.
This legal document is issued by your auto insurance provider to confirm that you hold the minimum liability insurance, along with personal injury protection (PIP).
Michigan’s coverage minimums for SR-22 insurance are the following:
Property damage liability: $10,000 per accident
Bodily injury liability: $20,000 per person / $40,000 per accident
Failure to maintain the minimum coverage can result in a number of penalties, such as a civil lawsuit or a criminal conviction with a fine of up to $500 plus potential jail time.

Who needs it?

Michigan SR-22 insurance is required for individuals whose licenses have been revoked in order to reinstate their driving privileges.
You might be required to obtain an SR-22 if you have engaged in one or more of the following:
  • An at-fault accident without insurance or the minimum insurance required by the state
  • Reckless driving
  • Fleeing the scene of an accident
  • Speeding or racing
  • Excessive points on your driving record
  • Operating While intoxicated (OWI) or Operating While Visibly Impaired (OWVI)
In addition to filing an SR-22, high-risk drivers in Michigan might be required to get a financial-responsibility restricted driver’s license.
Key Takeaway Michigan SR-22 insurance is required for individuals with financial-responsibility judgments or alcohol- or drug-related driving offenses.
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How to get it

You can get SR-22 insurance in Michigan through your auto insurance provider.
After being notified by the state or court of law that you must file an SR-22, you will need to purchase a policy with the minimum liability coverage. Your insurance provider will then submit the SR-22 certificate to the Michigan Secretary of State, which will provide you with confirmation of the filing in two to four weeks.
Find the right liability insurance policy to satisfy your SR-22 requirements with the help of Jerry, a licensed insurance broker in the form of an app. Jerry automatically compares quotes from the top 50 auto insurance companies in the nation so that you can find the most affordable car insurance. The best part? Jerry’s AI-powered insurance shopping services are completely free.

How much does it cost?

Filing an SR-22 certificate in Michigan entails a flat fee of $15 to $25.
The real cost involved with an SR-22 is the increased insurance premiums, the amount of which depends on the following factors:
  • Number, type, and recency of previous offenses
  • Vehicle age and type
  • Driving amount
  • Location
  • Personal details (age, marital status, education, occupation)

How an SR-22 impacts your insurance in Michigan

An SR-22 will very likely raise your Michigan insurance premiums. However, there are a number of options for reducing the overall cost:
  • Compare quotes from multiple providers: Because different insurance companies will quote you different rates for SR-22 insurance, it’s important to shop around for the best deal. Find a cheap car insurance policy with Jerry, an app that automatically compares quotes from the top 50 insurance companies in the nation to find you the best price.
  • Check for discounts: Consult with your insurer to determine whether you can reduce your premiums by taking a DUI or defensive driver course or by paying in full for your policy up front.
Once you have maintained your Michigan SR-22 insurance for the required period of time (generally, three consecutive years) without additional infractions, the penalty will be lifted and your rates should go back down.
Be careful to not let your SR-22 policy lapse before the mandated period. Doing so will start the process over again, as your insurer is required by law to notify the state of any gaps in your coverage.
Key Takeaway Maintain your SR-22 policy consistently for three years or the duration required by the state.

How to find cheap car insurance

SR-22 insurance can be expensive. That’s why it’s crucial to compare auto insurance quotes from as many providers as possible.
Thankfully, you don’t have to search multiple websites or call different companies for the best deal on car insurance. An app-based licensed insurance broker, Jerry, compares quotes from 50 name-brand insurance providers in under a minute so you can get the more affordable car insurance available with an SR-22 filing.
If this seems too good to be true, there’s more—Jerry will even fill out your paperwork, cancel your old policy, and shop around for better deals on car insurance before your policy auto-renews.
"When I switched insurance providers years ago, they forgot to file my SR-22, which caused my license to get suspended. Thankfully, Jerry takes care of all the details, including getting quotes and canceling your old policy all in one app."—Satisfied Jerry user
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