SR22 Insurance Michigan

Get an SR22 in less than 15 Minutes!

With Detroit being the car capital of the world, we are certain there are plenty of drivers in need of an SR22. Not sure what an SR22 even is? A Plus Insurance is your guide!

SR22 Insurance Michigan

With Detroit being the car capital of the world, we are certain there are plenty of drivers in need of an SR22. Not sure what an SR22 even is? A Plus Insurance is your guide!

Sr22 Insurance Michigan

SR22 Insurance Michigan: Which companies offer SR-22

Not every auto insurance company gives you the option of adding an SR-22 to an existing policy. That’s why it’s so important to shop around using your insurance agent. They will help you quickly weed through the companies that don’t offer Michigan sr22 Insurance filings and get you set up including electronic submission to your local DMV.

Auto Insurance CompaniesIs SR22 Offered?
GAINSCOyes
21st Centuryno
Mendota Ins. Companyyes
Progressive InsuranceYes
American Familyno
Safecono
Allstateunsure
Acceptance RTRyes
Bristol Westyes
Nationwideno
Liberty Mutualyes
Geicoyes
State Farmunsure
State Autono
USAANO
National Generalyes
AssuranceAmericayes
Travelersno
Not all car insurance companies offer the option to file an SR22

Why don’t certain carriers offer it, while many companies do offer SR-22 filings? This is because they consider you to be a high risk and are allowed to deny coverage at their discretion. If you are already insured, check with your insurance company to see if they offer SR-22 filings, and what the cost may be.

SR22 Insurance Michigan: Need an SR-22 but do not own a vehicle?

If you are required to carry an SR-22, but do not own a vehicle, you can purchase a Named Operator policy. This will insure you for the minimum liability requirements needed, and also cover you to drive any personal passenger vehicle as long as you do not own it. This type of policy allows you to obtain sr22 insurance without a vehicle.

Auto Insurance CompanySample Non Owner Rate
The General$112
Progressive Insurance$113
Dairyland$117
Mendota Ins. Company$154
Bristol West$155
Geico$180
State Farm$204
Allstate$236
Acceptance RTR$240

SR22 Insurance Michigan: Cost for SR-22 Insurance By City (liability only)

Liability only coverage means that you have an auto policy with only the state required minimum liability limits. It does not include coverages like comprehensive and collision, and perhaps excludes extras such as roadside or rental reimbursement.

The benefits of having only liability coverage includes cheaper and more affordable premiums when shopping around for your Michigan Insurance SR22 filing.

City in MichiganAverage Monthly Rate
East Lansing$90.00
Holland charter township$89.00
Rochester Hills$107.00
Troy city$89.00
Muskegon city$97.00
Northville$86.00
Lincoln Park$90.00
Wyoming$103.00
Oak Park$107.00
Allendale$93.00
Grand Rapids city$101.00
Port Huron city$88.00
Delhi$94.00
Burton$93.00
Plymouth$104.00
Pittsfield$96.00
Farmington Hills$103.00
Pontiac$87.00
Dearborn Heights$90.00
Royal Oak city$96.00
Waterford$95.00
Southfield city$95.00
Ann Arbor city$86.00
Washington township$99.00
Brownstown$104.00
Detroit$110.00
Redford$96.00
Shelby$87.00
Taylor$105.00
Garden City$90.00
Gaines charter township$90.00
West Bloomfield$88.00
Flint city$95.00
Holland city$107.00
Battle Creek$86.00
Saginaw city$96.00
Madison Heights$94.00
Grand Blanc$96.00
Canton$94.00
Kalamazoo city$101.00
Warren city$98.00
Bedford township$99.00
Meridian$107.00
Delta$102.00
Mount Pleasant$105.00
Allen Park$86.00
Ypsilanti$102.00
Flint$105.00
Georgetown$110.00
Westland$92.00
Novi city$94.00
Sterling Heights$93.00
Van Buren$91.00
Southgate$109.00
Portage city$110.00
Livonia$97.00
Independence$108.00
White Lake$93.00
Bay City$98.00
St. Clair Shores$99.00
The average cost for liability insurance, with an SR-22 filing will depend on the area you live in, along with your driving history. This is the average cost drivers should expect to pay for liability, with an SR-22 in Michigan.

Make sure that before you decide to only have liability coverage on your policy, you ensure that the other coverages are not required. For instance, if you are financing your vehicle, your lienholder might require that your policy include comprehensive and collision.

SR22 Insurance Michigan: Do You Need Full Coverage?

Even if you have an SR22, you can still get a full coverage policy. See if full coverage might be a better fit for you, as opposed to liability only insurance.


SR22 Insurance Michigan: Rates by company (full coverage)

It is possible to have affordable rates for full coverage with an SR22 Michigan Insurance filing? If you are required to carry full coverage (which simply means you have added comprehensive and collision to your policy) ask your agent which carries are best fits for people with violations.

Auto Insurance CompanyAverage Full Coverage Monthly Rate
USAAN/A
SafecoN/A
State AutoN/A
State FarmN/A
GAINSCO$173.00
Geico$201.00
AllstateN/A
Mendota Ins. Company$186.00
Dairyland$172.00
National General$171.00
AssuranceAmerica$189.00
Progressive Insurance$184.00
Acceptance RTR$179.00
TravelersN/A
NationwideN/A
21st CenturyN/A
American FamilyN/A
The General$190.00
Full coverage can be carried along with the SR-22 filing. If you are financing a newer vehicle, and are required to carry full coverage, you may be able to add the SR-22 filing to your existing policy for a small fee if they offer SR-22.

SR22 Insurance Michigan: Cost for Full coverage by City

Yes your zip code and city can affect the cost of your insurance rates. That is simply because certain locations might be considered more of a risk to insurance companies. This could be due to various factors such as a high number of accidents, claims, weather events, etc.

City in MichiganAvg. Monthly Rate
Dearborn Heights$146
Taylor$182
Pittsfield$177
Mount Pleasant$158
Kalamazoo city$171
West Bloomfield$171
Bay City$151
Redford$165
Muskegon city$148
Eastpointe$146
Jackson$172
Commerce$163
St. Clair Shores$178
East Lansing$151
Flint city$172
Meridian$157
Allen Park$177
Farmington Hills$163
Brownstown$173
Oak Park$157
Rochester Hills$154
Madison Heights$161
Novi city$182
Royal Oak city$168
Ann Arbor city$170
Burton$155
Georgetown$173
Macomb$166
White Lake$150
Midland city$177
Canton$148
Ypsilanti$156
Grand Rapids city$148
Warren city$169
Roseville$153
Delhi$155
Lincoln Park$154
Flint$158
Northville$166
Pontiac$163
Dearborn$159
Garden City$168
Independence$175
Gaines charter township$167
Washington township$169
Shelby$180
Delta$148
Van Buren$164
Holland city$174
Chesterfield$155
Orion$181
Saginaw city$162
Sterling Heights$151
Wyoming$167
Plainfield charter township$162
Plymouth$158
Southgate$181
Grand Blanc$146
Detroit$154
Waterford$170
Bedford township$167
Saginaw$172
Allendale$157
Port Huron city$160
Above is the average price per city for full coverage, with an SR-22 filing in Michigan.

SR22 Insurance Michigan: State Laws

If your license has been suspended because of a major conviction, you will be required to carry an SR-22 filing for 3-5 years, depending upon the conviction. You will need to carry the State Minimum Liability limits in order to have an SR-22. The SR-22 will be reported to the State of Michigan by your insurance provider.

SR22 Insurance Michigan: State Minimum Requirements

StateState MinPIP?
Michigan50/100/10$50,000

The minimum liability requirements in Michigan are $50,000 per person for bodily injury (BI), up to $100,000 per accident, and $10,000 for property damage (PD). Personal Injury Protection is also required at $50,000 per occurrence.

SR22 Insurance Michigan: Rates by company (liability)

If your current auto carrier does offer SR22 insurance, it’s still important to shop around, since certain carriers will upcharge your premium simply for having an SR22. While it’s important to note that the SR22 in itself isn’t always the reason for high rates (high rates are usually due to your violations or other factors like bad credit) not every insurance company is created equally. Call your agent to see if there are better options out there for you.

Car Insurance CompanySR22 Liability Avg. Monthly
CompanySR22 Liability (average)
Acceptance RTR$107.00
TravelersN/A
GAINSCO$73.00
The General$101.00
21st CenturyN/A
Dairyland$120.00
National General$72.00
USAAN/A
Liberty Mutual$85.00
AssuranceAmerica$101.00
State AutoN/A
Farmers$106.00
SafecoN/A
Mendota Ins. Company$74.00
Bristol West$77.00
NationwideN/A
Carrying liability insurance is the minimum requirement needing to carry an SR-22. Insurance rates will vary upon the insurance company as well as driving record, and vehicle information.

SR22 Insurance Michigan: Paying Child Support

Yes your license can be suspended if you fail to pay child support.

Sr22 Insurance Child Support
2024 SR22 Insurance Michigan

If your license has been suspended for failure to pay child support, you will need to carry an SR-22 for 1-3 years in order to keep your license in good standing. If your SR-22 cancels or lapses, the time will start over.

SR22 Insurance Michigan: Who has the lowest price on (by city)?

While this could depend on other unforeseen factors, there are many statistics that show that certain auto insurance companies could be cheaper in certain locations. Although subject to change, the cities below tend to find that there are go-to insurance companies when it comes to getting the cheapest rates.

City In MichiganInsurance Company with SR22
Sterling HeightsThe General
Gaines charter townshipThe General
Flint cityGeico
PlymouthFarmers
RedfordProgressive
Oak ParkThe General
AllendaleFarmers
Dearborn HeightsDairyland*
GeorgetownNational General
NorthvilleBristol West
Bay CityFarmers
Grand Rapids cityThe General
YpsilantiLiberty Mutual
JacksonGeico
Saginaw cityBristol West
BurtonThe General
Garden CityThe General
Warren cityProgressive
WyomingProgressive
DetroitProgressive
Farmington HillsBristol West
BrownstownProgressive
Bloomfield charter townshipThe General
Kalamazoo cityGeico
St. Clair ShoresGeico
West BloomfieldGeico
ShelbyThe General
Lansing cityBristol West
Bedford townshipProgressive
Ann Arbor cityProgressive
Muskegon cityProgressive
Battle CreekNational General
Royal Oak cityProgressive
PittsfieldLiberty Mutual
Portage cityProgressive
SouthgateDairyland*
Madison HeightsBristol West
Southfield cityBristol West
PontiacGeico
SaginawLiberty Mutual
CantonGeico
Holland cityProgressive
MacombGeico
White LakeProgressive
EastpointeProgressive
Troy cityProgressive
Novi cityLiberty Mutual
IndependenceNational General
Plainfield charter townshipGeico
DeltaGeico
FlintGeico
WestlandThe General
WaterfordThe General
East LansingThe General
TaylorFarmers
OrionProgressive
Van BurenLiberty Mutual
Rochester HillsLiberty Mutual
CommerceLiberty Mutual
MeridianProgressive
DelhiThe General
Grand BlancGeico
LivoniaBristol West
Lincoln ParkLiberty Mutual
Allen ParkThe General
ChesterfieldBristol West
Clinton charter townshipGeico
Holland charter townshipProgressive
Mount PleasantDairyland*
Washington townshipGeico
Need an SR-22 but not sure where to start? Above is a list of the cheapest Insurance companies for high risk drivers, for each city. Start by calling the companies for free quotes on liability with SR-22.

SR22 Insurance Michigan: Reasons you may be required to carry

Failure to maintain mandatory insurance coverage required by state law
At Fault accident with no insurance
Previous incarceration
Driving while Suspended/revocation
Too many tickets in short period of time
DUI (Driving under the influence of Drugs or Alcohol)
Suspension of license due to child support
DWI (Driving while intoxicated)
Multiple Traffic Offenses
Excessive points violations
You may need to carry an SR-22 if you’ve been convicted of a major violations, as listed above.

SR22 Insurance Michigan: Which companies offer SR-22

Not every auto insurance company gives you the option of adding an SR-22 to an existing policy. That’s why it’s so important to shop around using your insurance agent. They will help you quickly weed through the companies that don’t offer sr22 filings and get you set up including electronic submission to your local DMV.

Auto Insurance CompaniesIs SR22 Offered?
GAINSCOyes
21st Centuryno
Mendota Ins. Companyyes
Progressive InsuranceYes
American Familyno
Safecono
Allstateunsure
Acceptance RTRyes
Bristol Westyes
Nationwideno
Liberty Mutualyes
Geicoyes
State Farmunsure
State Autono
USAANO
National Generalyes
AssuranceAmericayes
Travelersno
Not all car insurance companies offer the option to file an SR22

Why don’t certain carriers offer it, while many companies do offer SR-22 filings? This is because they consider you to be a high risk and are allowed to deny coverage at their discretion. If you are already insured, check with your insurance company to see if they offer SR-22 filings, and what the cost may be.

SR22 Insurance Michigan: Need an SR-22 but do not own a vehicle?

If you are required to carry an SR-22, but do not own a vehicle, you can purchase a Named Operator policy. This will insure you for the minimum liability requirements needed, and also cover you to drive any personal passenger vehicle as long as you do not own it. This type of policy allows you to obtain sr22 insurance without a vehicle.

Auto Insurance CompanySample Non Owner Rate
The General$112
Progressive Insurance$113
Dairyland$117
Mendota Ins. Company$154
Bristol West$155
Geico$180
State Farm$204
Allstate$236
Acceptance RTR$240

SR22 Insurance Michigan: Cost for SR-22 Insurance By City (liability only)

Liability only coverage means that you have an auto policy with only the state required minimum liability limits. It does not include coverages like comprehensive and collision, and perhaps excludes extras such as roadside or rental reimbursement.

The benefits of having only liability coverage includes cheaper and more affordable premiums.

City in MichiganAverage Monthly Rate
East Lansing$90.00
Holland charter township$89.00
Rochester Hills$107.00
Troy city$89.00
Muskegon city$97.00
Northville$86.00
Lincoln Park$90.00
Wyoming$103.00
Oak Park$107.00
Allendale$93.00
Grand Rapids city$101.00
Port Huron city$88.00
Delhi$94.00
Burton$93.00
Plymouth$104.00
Pittsfield$96.00
Farmington Hills$103.00
Pontiac$87.00
Dearborn Heights$90.00
Royal Oak city$96.00
Waterford$95.00
Southfield city$95.00
Ann Arbor city$86.00
Washington township$99.00
Brownstown$104.00
Detroit$110.00
Redford$96.00
Shelby$87.00
Taylor$105.00
Garden City$90.00
Gaines charter township$90.00
West Bloomfield$88.00
Flint city$95.00
Holland city$107.00
Battle Creek$86.00
Saginaw city$96.00
Madison Heights$94.00
Grand Blanc$96.00
Canton$94.00
Kalamazoo city$101.00
Warren city$98.00
Bedford township$99.00
Meridian$107.00
Delta$102.00
Mount Pleasant$105.00
Allen Park$86.00
Ypsilanti$102.00
Flint$105.00
Georgetown$110.00
Westland$92.00
Novi city$94.00
Sterling Heights$93.00
Van Buren$91.00
Southgate$109.00
Portage city$110.00
Livonia$97.00
Independence$108.00
White Lake$93.00
Bay City$98.00
St. Clair Shores$99.00
The average cost for liability insurance, with an SR-22 filing will depend on the area you live in, along with your driving history. This is the average cost drivers should expect to pay for liability, with an SR-22 in Michigan.

Make sure that before you decide to only have liability coverage on your policy, you ensure that the other coverages are not required. For instance, if you are financing your vehicle, your lienholder might require that your policy include comprehensive and collision.

SR22 Insurance Michigan: Do You Need Full Coverage?

Even if you have an SR22, you can still get a full coverage policy. See if full coverage might be a better fit for you, as opposed to liability only insurance.


SR22 Insurance Michigan: Rates by company (full coverage)

It is possible to have affordable rates for full coverage with an SR22. If you are required to carry full coverage (which simply means you have added comprehensive and collision to your policy) ask your agent which carries are best fits for people with violations.

Auto Insurance CompanyAverage Full Coverage Monthly Rate
USAAN/A
SafecoN/A
State AutoN/A
State FarmN/A
GAINSCO$173.00
Geico$201.00
AllstateN/A
Mendota Ins. Company$186.00
Dairyland$172.00
National General$171.00
AssuranceAmerica$189.00
Progressive Insurance$184.00
Acceptance RTR$179.00
TravelersN/A
NationwideN/A
21st CenturyN/A
American FamilyN/A
The General$190.00
Full coverage can be carried along with the SR-22 filing. If you are financing a newer vehicle, and are required to carry full coverage, you may be able to add the SR-22 filing to your existing policy for a small fee if they offer SR-22.

SR22 Insurance Michigan: Cost for Full coverage by City

Yes your zip code and city can affect the cost of your insurance rates. That is simply because certain locations might be considered more of a risk to insurance companies. This could be due to various factors such as a high number of accidents, claims, weather events, etc.

City in MichiganAvg. Monthly Rate
Dearborn Heights$146
Taylor$182
Pittsfield$177
Mount Pleasant$158
Kalamazoo city$171
West Bloomfield$171
Bay City$151
Redford$165
Muskegon city$148
Eastpointe$146
Jackson$172
Commerce$163
St. Clair Shores$178
East Lansing$151
Flint city$172
Meridian$157
Allen Park$177
Farmington Hills$163
Brownstown$173
Oak Park$157
Rochester Hills$154
Madison Heights$161
Novi city$182
Royal Oak city$168
Ann Arbor city$170
Burton$155
Georgetown$173
Macomb$166
White Lake$150
Midland city$177
Canton$148
Ypsilanti$156
Grand Rapids city$148
Warren city$169
Roseville$153
Delhi$155
Lincoln Park$154
Flint$158
Northville$166
Pontiac$163
Dearborn$159
Garden City$168
Independence$175
Gaines charter township$167
Washington township$169
Shelby$180
Delta$148
Van Buren$164
Holland city$174
Chesterfield$155
Orion$181
Saginaw city$162
Sterling Heights$151
Wyoming$167
Plainfield charter township$162
Plymouth$158
Southgate$181
Grand Blanc$146
Detroit$154
Waterford$170
Bedford township$167
Saginaw$172
Allendale$157
Port Huron city$160
Above is the average price per city for full coverage, with an SR-22 filing in Michigan.

SR22 Insurance Michigan: State Laws

If your license has been suspended because of a major conviction, you will be required to carry an SR-22 filing for 3-5 years, depending upon the conviction. You will need to carry the State Minimum Liability limits in order to have an SR-22. The SR-22 will be reported to the State of Michigan by your insurance provider.

SR22 Insurance Michigan: State Minimum Requirements

StateState MinPIP?
Michigan50/100/10$50,000

The minimum liability requirements in Michigan are $50,000 per person for bodily injury (BI), up to $100,000 per accident, and $10,000 for property damage (PD). Personal Injury Protection is also required at $50,000 per occurrence.

SR22 Insurance Michigan: Rates by company (liability)

If your current auto carrier does offer SR22 insurance, it’s still important to shop around, since certain carriers will upcharge your premium simply for having an SR22. While it’s important to note that the SR22 in itself isn’t always the reason for high rates (high rates are usually due to your violations or other factors like bad credit) not every insurance company is created equally. Call your agent to see if there are better options out there for you.

Car Insurance CompanySR22 Liability Avg. Monthly
CompanySR22 Liability (average)
Acceptance RTR$107.00
TravelersN/A
GAINSCO$73.00
The General$101.00
21st CenturyN/A
Dairyland$120.00
National General$72.00
USAAN/A
Liberty Mutual$85.00
AssuranceAmerica$101.00
State AutoN/A
Farmers$106.00
SafecoN/A
Mendota Ins. Company$74.00
Bristol West$77.00
NationwideN/A
Carrying liability insurance is the minimum requirement needing to carry an SR-22. Insurance rates will vary upon the insurance company as well as driving record, and vehicle information.

SR22 Insurance Michigan: Paying Child Support

Yes your license can be suspended if you fail to pay child support.

Sr22 Insurance Child Support
2024 SR22 Insurance Michigan

If your license has been suspended for failure to pay child support, you will need to carry an SR-22 for 1-3 years in order to keep your license in good standing. If your SR-22 cancels or lapses, the time will start over.

SR22 Insurance Michigan: Who has the lowest price on (by city)?

While this could depend on other unforeseen factors, there are many statistics that show that certain auto insurance companies could be cheaper in certain locations. Although subject to change, the cities below tend to find that there are go-to insurance companies when it comes to getting the cheapest rates.

City In MichiganInsurance Company with SR22
Sterling HeightsThe General
Gaines charter townshipThe General
Flint cityGeico
PlymouthFarmers
RedfordProgressive
Oak ParkThe General
AllendaleFarmers
Dearborn HeightsDairyland*
GeorgetownNational General
NorthvilleBristol West
Bay CityFarmers
Grand Rapids cityThe General
YpsilantiLiberty Mutual
JacksonGeico
Saginaw cityBristol West
BurtonThe General
Garden CityThe General
Warren cityProgressive
WyomingProgressive
DetroitProgressive
Farmington HillsBristol West
BrownstownProgressive
Bloomfield charter townshipThe General
Kalamazoo cityGeico
St. Clair ShoresGeico
West BloomfieldGeico
ShelbyThe General
Lansing cityBristol West
Bedford townshipProgressive
Ann Arbor cityProgressive
Muskegon cityProgressive
Battle CreekNational General
Royal Oak cityProgressive
PittsfieldLiberty Mutual
Portage cityProgressive
SouthgateDairyland*
Madison HeightsBristol West
Southfield cityBristol West
PontiacGeico
SaginawLiberty Mutual
CantonGeico
Holland cityProgressive
MacombGeico
White LakeProgressive
EastpointeProgressive
Troy cityProgressive
Novi cityLiberty Mutual
IndependenceNational General
Plainfield charter townshipGeico
DeltaGeico
FlintGeico
WestlandThe General
WaterfordThe General
East LansingThe General
TaylorFarmers
OrionProgressive
Van BurenLiberty Mutual
Rochester HillsLiberty Mutual
CommerceLiberty Mutual
MeridianProgressive
DelhiThe General
Grand BlancGeico
LivoniaBristol West
Lincoln ParkLiberty Mutual
Allen ParkThe General
ChesterfieldBristol West
Clinton charter townshipGeico
Holland charter townshipProgressive
Mount PleasantDairyland*
Washington townshipGeico
Need an SR-22 but not sure where to start? Above is a list of the cheapest Insurance companies for high risk drivers, for each city. Start by calling the companies for free quotes on liability with SR-22.

SR22 Insurance Michigan: Reasons you may be required to carry

Failure to maintain mandatory insurance coverage required by state law
At Fault accident with no insurance
Previous incarceration
Driving while Suspended/revocation
Too many tickets in short period of time
DUI (Driving under the influence of Drugs or Alcohol)
Suspension of license due to child support
DWI (Driving while intoxicated)
Multiple Traffic Offenses
Excessive points violations
You may need to carry an SR-22 if you’ve been convicted of a major violations, as listed above.

Your Michigan Insurance Resources:

Best Motorcycle Insurance: Michigan

Motorcycle Insurance Michigan
2024 SR22 Insurance Michigan

Best Auto Insurance Michigan: Your Guide

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2024 SR22 Insurance Michigan

Liability Only in Michigan: Best Auto Rates

Michigan Liability Insurance
2024 SR22 Insurance Michigan

For assistance with SR22 insurance in Michigan, call us at 1.888.445.2793.

Last Updated on by Marlon Moss

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