Michigan DUI SR-22 Insurance: What You Need to File
Michigan requires 50/100/10 liability coverage and is a no-fault state.
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Michigan at a Glance
50/100/10
Minimum liability limits, in thousands of dollars (per person / per accident / property)
No-fault
Each driver's own policy pays their injuries first, whoever caused the crash
Required
PIP coverage must be on every policy
$125
State license reinstatement fee
Source: state DMV, insurance department and statute records, verified July 2026
Minimum Coverage Requirements in Michigan
Michigan operates under a no-fault system, meaning your own PIP coverage pays medical expenses regardless of fault. The Michigan Secretary of State requires SR-22 filing for 2 years after DUI conviction, measured from the reinstatement date, not the conviction date. Proof of continuous coverage must be maintained throughout the filing period—a lapse triggers automatic license re-suspension and restarts the clock.
SR-22 Certificate
Bodily Injury Liability
Property Damage Liability
Personal Injury Protection (PIP)
What Drivers Pay in Michigan
$646–$670/mo
Typical monthly rate in Michigan, drivers with an SR-22 after a DUI
Rate data: ValuePenguin and NerdWallet, 2026
What Affects Your Rate
- Vehicle type affects post-DUI pricing more than pre-DUI: insuring a high-performance or luxury vehicle after DUI conviction can double your premium compared to insuring a standard sedan due to combined risk multipliers.
Find an Insurer That Will File After a DUI
Get SR-22 Coverage After a DUIIf your license is suspended
Restricted license (offense-specific; incl. Specialty/Sobriety Court restricted license)
A restricted license is available while suspended.
A coverage lapse is reported
The state can act when your insurance lapses.
Source: state DMV, insurance department and statute records, verified July 2026
Frequently Asked Questions
How long do I need SR-22 after a DUI in Michigan?
Michigan requires SR-22 filing for 2 years after a first-offense DUI, measured from your license reinstatement date, not your conviction date. Aggravated DUI or second-offense DUI can extend the requirement to 3 years depending on county and conviction class. Any lapse in coverage during the filing period re-suspends your license and restarts the 2-year clock from zero.
Does Michigan SR-22 requirement transfer if I move to another state?
Your SR-22 obligation follows you—if you move out of Michigan before completing the 2-year filing period, you must obtain SR-22 in your new state and notify Michigan Secretary of State of the transfer. Some states accept out-of-state SR-22 filings; others require in-state carrier filing. The 2-year period continues uninterrupted only if coverage remains continuous during the move.
Can I remove SR-22 from my insurance after 2 years in Michigan?
The Michigan Secretary of State removes the SR-22 requirement automatically after 2 years of continuous filing from your reinstatement date. Your carrier does not cancel it for you—you must request SR-22 removal from your policy after receiving confirmation from the state that the requirement has been satisfied. Removing SR-22 before official clearance triggers immediate license re-suspension.
Coverage Types
SR-22 Insurance
The SR-22 is a state-mandated filing proving continuous liability coverage, not a separate insurance type. Your carrier files it electronically with Michigan Secretary of State and must notify the state immediately if your policy lapses.
Non-Owner SR-22
Liability-only policy for drivers who don't own a vehicle but need SR-22 filing to reinstate their license. Covers you when driving borrowed or rental vehicles, satisfies court requirements, and costs significantly less than standard SR-22 policies.
Liability Insurance
Covers bodily injury and property damage you cause to others. Michigan's 50/100/10 minimum is among the lowest in the country and provides inadequate protection in serious accidents—one totaled vehicle or hospital stay exhausts these limits.
Uninsured Motorist Coverage
Pays for your injuries and vehicle damage when you're hit by a driver with no insurance or insufficient coverage. Not required in Michigan but critical given that 20% of Michigan drivers carry no insurance despite the mandatory coverage law.
Personal Injury Protection (PIP)
Michigan's mandatory no-fault medical coverage pays your medical bills, lost wages, and rehabilitation costs regardless of who caused the accident. You can now select lower PIP limits if you have qualifying health insurance, but post-DUI drivers often pay higher PIP premiums even at reduced limits.