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!
Many companies offer SR-22 filings, while some do not because that is considered ‘High risk’. 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.
SR22 Insurance Michigan: Cost for SR-22 Insurance (liability)
City
Price
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.
SR22 Insurance Michigan: Rates by company (full coverage)
Company
SR22 Full Coverage (average)
USAA
N/A
Safeco
N/A
State Auto
N/A
State Farm
N/A
GAINSCO
$173.00
Geico
$201.00
Allstate
N/A
Mendota Ins. Company
$186.00
Dairyland
$172.00
National General
$171.00
AssuranceAmerica
$189.00
Progressive Insurance
$184.00
Acceptance RTR
$179.00
Travelers
N/A
Nationwide
N/A
21st Century
N/A
American Family
N/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: 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
State
State Min
PIP?
Michigan
50/100/10
$50,000
The minimum liability requirements in Michigan are $50,000 per person for BI, up to $100,000 per accident, and $10,000 for PD. Personal Injury Protection is also required at $50,000 per occurrence.
SR22 Insurance Michigan: Rates by company (liability)
Company
SR22 Liability (average)
Acceptance RTR
$107.00
Travelers
N/A
GAINSCO
$73.00
The General
$101.00
21st Century
N/A
Dairyland
$120.00
National General
$72.00
USAA
N/A
Liberty Mutual
$85.00
AssuranceAmerica
$101.00
State Auto
N/A
Farmers
$106.00
Safeco
N/A
Mendota Ins. Company
$74.00
Bristol West
$77.00
Nationwide
N/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
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: Cost for Full coverage
City
Price
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: Who has the lowest price on (by city)
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)
