- Best SR22 Insurance Companies in Michigan: Affordable Coverage and Rates
- Need an SR-22 in Michigan but Don’t Own a Vehicle? Here's What You Should Know!
- Michigan SR-22 Insurance Costs by City: Affordable Liability Coverage Options
- Michigan SR-22 Insurance: Is Full Coverage Right for You?
- SR22 Insurance Michigan: Compare Full Coverage Rates from Top Companies
- SR22 Insurance Michigan: Full Coverage Costs by City
- SR22 Insurance Michigan: Understanding State Laws
- SR22 Insurance Michigan: State Minimum Requirements
- Affordable SR22 Insurance in Michigan: Compare Company Rates for Liability Coverage
- Michigan SR22 Insurance and Child Support: What You Need to Know
- Top Reasons for SR22 Insurance Requirements in Michigan
- Frequently Asked Questions about SR22 Insurance Michigan
- What is SR22 insurance and why might I need it in Michigan?
- How long do I need to carry SR22 insurance in Michigan?
- Can I get SR22 insurance if I don't own a car in Michigan?
- What We Do at A Plus Insurance
Best SR22 Insurance Companies in Michigan: Affordable Coverage and Rates
Finding the best SR22 insurance in Michigan doesn’t have to be difficult. Reputable companies like Progressive, Dairyland, and The General specialize in providing affordable SR22 insurance Michigan, even for high-risk drivers or those needing SR22 insurance without a vehicle. These providers offer competitive rates and reliable coverage options, helping you meet state requirements without overspending. By comparing quotes from these top companies, you can easily secure the SR22 insurance you need and get back on the road with confidence.
| Insurance Company | Estimated Monthly Premium | Coverage Options |
|---|---|---|
| Progressive | $120 | Full Coverage, Liability |
| Dairyland | $110 | Full Coverage, Liability |
| The General | $125 | Full Coverage, Liability |
These companies provide a range of coverage options to suit your needs, making it easier to find the right cheap SR22 insurance policy for your situation. Compare rates and choose the provider that offers the best value and service for your specific requirements.
Not all car insurance companies provide the option to file an SR22. Why do some carriers avoid offering SR-22 filings while others do? It’s because they deem high-risk drivers as too great a liability and may choose to deny coverage at their discretion. If you already have insurance, check with your provider to see if they offer SR-22 filings and inquire about the associated costs.
| Auto Insurance Companies | Is SR22 Offered? |
|---|---|
| GAINSCO | Yes |
| 21st Century | No |
| Mendota Ins. Company | Yes |
| Progressive Insurance | Yes |
| American Family | No |
| Safeco | No |
| Allstate | N/A |
| Acceptance RTR | No |
| Bristol West | Yes |
| Nationwide | No |
| Liberty Mutual | Yes |
| Geico | Yes |
| State Farm | No |
| State Auto | No |
| USAA | No |
| National General | Yes |
| AssuranceAmerica | Yes |
| Travelers | No |
Need an SR-22 in Michigan but Don’t Own a Vehicle? Here’s What You Should Know!
If you are required to carry an SR-22 but do not own a vehicle, you can still meet the legal requirements by purchasing a Named Operator policy. This type of policy ensures you for the minimum liability requirements needed by the state and allows you to drive any personal passenger vehicle, as long as you do not own it.
With a Named Operator policy, you can obtain SR-22 insurance without owning a vehicle, providing you with the necessary coverage to stay compliant with Michigan’s laws. This policy is especially beneficial for individuals who frequently drive borrowed cars or rent vehicles, ensuring they are protected while on the road. Additionally, it simplifies the process of meeting SR-22 requirements, giving you peace of mind and the freedom to drive without owning a car.
| Auto Insurance Company | Sample 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 |
Michigan SR-22 Insurance Costs by City: Affordable Liability Coverage Options
Liability-only coverage means your auto policy includes only the state-required minimum liability limits, excluding comprehensive and collision coverage, as well as extras like roadside assistance or rental reimbursement. In Michigan, SR22 insurance typically involves this type of coverage, especially for those seeking affordable options.
Liability car insurance is essential because it protects you financially if you’re found legally responsible for an accident. It includes two key components:
- Bodily Injury Liability (BIL): Covers medical expenses, lost wages, and legal fees for others if you’re at fault in an accident.
- Property Damage Liability (PDL): Covers repair or replacement costs for another party’s property, such as their vehicle, in an at-fault accident.
Liability coverage is usually required by law and helps cover costs related to injuries and damages to others, safeguarding you from significant financial losses and legal issues. For those needing SR22 insurance in Michigan, opting for liability-only coverage can result in more affordable premiums, especially when comparing quotes for SR22 insurance without a vehicle.
| City in Michigan | Average 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, your driving history and other factors. 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.
Michigan SR-22 Insurance: Is Full Coverage Right for You?
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.
Here’s a chart to help someone figure out if they need full coverage auto insurance or not:
| Situation | Consider Full Coverage? |
|---|---|
| Vehicle is financed or leased | Yes |
| Vehicle is brand new | Yes |
| Vehicle is a high-value model | Yes |
| Live in an area prone to theft or vandalism | Yes |
| Want coverage for damage to your own vehicle | Yes |
| Concerned about expensive repair costs | Yes |
| Have a history of accidents or traffic tickets | Yes |
| Own an older vehicle with low market value | Maybe |
| Have sufficient savings to cover potential damages | Maybe |
| Want to save money on insurance premiums | Maybe |
| Prefer minimal coverage and lower premiums | No |
| Vehicle is fully paid off | No |
| Comfortable taking on risk of repair costs | No |
This chart provides a quick reference guide for individuals to assess their specific circumstances and determine whether full coverage auto insurance is necessary for them.
Full coverage auto insurance is a comprehensive insurance policy that includes several types of coverage to provide extensive protection for you and your vehicle. It typically combines the following components:
- Liability Insurance: Covers bodily injury and property damage you may cause to others in an accident.
- Collision Coverage: Pays for damage to your vehicle resulting from a collision with another car or object, regardless of fault.
- Comprehensive Coverage: Covers non-collision-related damage to your vehicle, such as theft, vandalism, fire, natural disasters, and hitting an animal.
SR22 Insurance Michigan: Compare Full Coverage Rates from Top Companies
Is it possible to find affordable rates for full coverage SR22 insurance in Michigan? Absolutely! Full coverage means your policy includes both comprehensive and collision insurance, offering you extensive protection. If you are required to carry full coverage SR22 due to violations or other reasons, it’s important to speak with your insurance agent. They can help you identify which carriers are best suited for individuals with violations, ensuring you get the most cost-effective and appropriate coverage.
Different insurance companies have varying rates and policies for high-risk drivers, so comparing options can lead to significant savings while still meeting your legal requirements.
| Auto Insurance Company | Average Full Coverage Monthly Rate |
|---|---|
| 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: Full Coverage Costs by City
Yes, your zip code and city can significantly affect the cost of your insurance rates. This is because certain locations may be considered higher risk by insurance companies.
Factors contributing to this include a high number of accidents, frequent claims, severe weather events, and even the crime rate in the area. Urban areas, for instance, often have higher traffic congestion and a greater likelihood of accidents, leading to higher premiums. Additionally, areas prone to natural disasters like floods or hurricanes can also see increased insurance costs.
Insurance companies analyze these risks to determine your premiums, making your location a crucial factor in your overall insurance rates.
| City in Michigan | Avg. 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: Understanding 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.
Here’s a table summarizing the requirements for carrying an SR-22 filing in Michigan:
| Requirement | Details |
|---|---|
| Reason for SR-22 Filing | License suspension due to a major conviction, such as DUI or driving without insurance. |
| Duration of SR-22 Requirement | Typically 3-5 years, depending on the conviction and state regulations. |
| Minimum Liability Limits | Must carry the State Minimum Liability limits as mandated by Michigan state law. |
| Reporting to the State of Michigan | Your insurance provider will report the SR-22 filing to the State of Michigan on your behalf. |
This table provides a clear overview of the requirements for carrying an SR-22 filing in Michigan, including the reason for the filing, duration, minimum liability limits, and reporting process to the state authorities.
SR22 Insurance Michigan: State Minimum Requirements
Residual Bodily Injury Coverage:
$250,000 bodily injury liability per person
$500,000 bodily injury liability per accident
$10,000 property damage liability per accident
Uninsured Motorist Coverage: Rejection Form
$250,000 Personal Injury Protection
Reduced Limits Available (Signature Required)
$50,000 bodily injury liability per person
$100,000 bodily injury liability per accident
$10,000 property damage liability per accident
Uninsured Motorist Coverage: Rejection Form
$250,000 Personal Injury Protection
- Residual Bodily Injury Coverage: This section provides coverage for bodily injury liability up to $250,000 per person and $500,000 per accident. It also covers property damage liability up to $10,000 per accident. This coverage protects you financially if you’re found responsible for injuries or damages to others in an accident.
- Uninsured Motorist Coverage: The policy includes an option to reject uninsured motorist coverage, which typically protects you if you’re involved in an accident with a driver who doesn’t have insurance.
- Reduced Limits Available: This section offers the option to choose reduced liability limits, with bodily injury coverage of $50,000 per person and $100,000 per accident, along with property damage liability coverage of $10,000 per accident. Again, there’s an option to reject uninsured motorist coverage.
- Personal Injury Protection (PIP): This coverage, set at $250,000, provides medical coverage for injuries sustained by you and your passengers regardless of fault in an accident. It covers medical expenses, lost wages, and other related costs.
Affordable SR22 Insurance in Michigan: Compare Company Rates for Liability Coverage
Even if your current auto carrier offers SR22 insurance, it’s wise to shop around. Some carriers may increase your premium simply because you need an SR22. While the SR22 itself isn’t always the cause of high rates (often due to violations or factors like bad credit), not all insurance companies are the same. Contact your agent to explore if there are better options available for you.
| Car Insurance Company | SR22 Liability Avg. Monthly |
|---|---|
| Company | Average Liability with SR22 |
| 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.
Michigan SR22 Insurance and Child Support: What You Need to Know
Navigating the complexities of SR22 insurance in Michigan can be challenging, especially when dealing with child support obligations. Finding cheap SR22 insurance is crucial to managing both your insurance needs and financial responsibilities effectively. It’s important to understand that while SR22 insurance is typically required after certain violations, such as DUIs or driving without insurance, your child support obligations can also impact your overall financial situation. Ensuring you have affordable coverage while meeting your legal requirements is essential. Below is a comparison table of SR22 insurance providers in Michigan that A Plus Insurance works with, to help you find the best rates.
| Insurance Company | SR22 Insurance Michigan (Monthly Rate) | Coverage Options | Discounts Available |
|---|---|---|---|
| Progressive | $120 | Liability, Full Coverage | Multi-policy, Safe Driver |
| Dairyland | $135 | Liability, Non-owners | Good Credit, Military |
| Gainsco | $110 | Full Coverage, Liability | Multi-car, Safe Driver |
| Assurance America | $125 | Liability, Non-owners | Military, Defensive Driving |
| National General | $140 | Full Coverage, Liability | Multi-policy, Good Credit |
By comparing these options, you can find cheap SR22 insurance that meets your needs and helps you stay compliant with both your driving and child support obligations.
Top Reasons for SR22 Insurance Requirements in Michigan
In Michigan, there are several situations that may require drivers to obtain SR22 insurance. This form of insurance serves as proof of financial responsibility for high-risk drivers. The most common reasons for needing SR22 insurance include driving under the influence (DUI) convictions, multiple traffic violations within a short period, and driving without insurance. Additionally, drivers who have been involved in serious accidents without adequate coverage or those with a history of license suspensions or revocations may also be required to file an SR22. Finding cheap SR22 insurance can be challenging due to these factors, but it’s essential for meeting legal requirements and getting back on the road. By comparing rates from various providers, drivers can secure affordable SR22 insurance Michigan.
| Reason for SR22 Requirement | Description |
|---|---|
| DUI Convictions | Drivers convicted of driving under the influence must file an SR22 to prove they have the necessary insurance coverage to drive legally. |
| Multiple Traffic Violations | Accumulating multiple traffic violations in a short period can lead to the need for SR22 insurance to ensure continued driving privileges. |
| Driving Without Insurance | Getting caught driving without insurance requires filing an SR22 to show financial responsibility and compliance with state laws. |
| Serious Accidents | Involvement in major accidents without proper insurance coverage often results in the need for SR22 insurance to cover potential liabilities. |
| License Suspensions/Revocations | A history of license suspensions or revocations necessitates filing an SR22 to demonstrate proof of insurance and the ability to drive legally. |
By understanding these common reasons and exploring options for cheap SR22 insurance, drivers in Michigan can find suitable coverage to meet their needs and comply with state regulations.
Frequently Asked Questions about SR22 Insurance Michigan
What is SR22 insurance and why might I need it in Michigan?
SR22 insurance is a certificate of financial responsibility required by the state of Michigan for drivers who have been convicted of certain driving offenses, such as DUI or driving without insurance. It provides proof that the driver carries the state’s minimum liability insurance coverage.
How long do I need to carry SR22 insurance in Michigan?
The duration for which you need to carry SR22 insurance in Michigan varies depending on the offense and state regulations. Typically, it’s required for a minimum of three years, but it can be longer depending on the severity of the offense.
Can I get SR22 insurance if I don’t own a car in Michigan?
Yes, you can still get SR22 insurance in Michigan even if you don’t own a car. Non-owner SR22 insurance is available for individuals who need to fulfill the state’s requirements for financial responsibility but don’t own a vehicle.
For assistance with SR22 insurance in Michigan, call us at 1.888.445.2793.
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Last Updated on by Brian Muse