Minimum Coverage Requirements in Michigan
Michigan requires minimum liability coverage of $50,000 per person for bodily injury, $100,000 per accident for bodily injury, and $10,000 for property damage (50/100/10). Drivers with DUI convictions, license suspensions for point accumulation, at-fault accidents while uninsured, or certain repeat violations typically must file SR-22 proof of insurance with the Michigan Secretary of State. High-risk drivers should evaluate coverage above state minimums, as a single serious accident can exceed $50,000 in bodily injury costs.
How Much Does Car Insurance Cost in Michigan?
High-risk auto insurance in Michigan costs significantly more than standard coverage due to violation surcharges, non-standard carrier pricing, and SR-22 filing requirements. Premiums vary widely based on violation type—a single DUI typically increases rates by 80–200%, while multiple at-fault accidents or suspensions can triple costs. Michigan's tort system and medical coverage requirements also contribute to higher baseline premiums compared to no-fault states.
What Affects Your Rate
- Violation type and severity (DUI increases rates 80–200%, at-fault accidents 40–100%)
- Time since violation (rates typically decrease 10–25% annually after 3 years clean driving)
- Number of violations or accidents in the past 3–5 years
- SR-22 filing requirement and duration remaining
- ZIP code and county (Detroit metro rates run 20–40% higher than rural Michigan)
- Credit score (Michigan allows credit-based insurance scoring, significantly impacting high-risk premiums)
- Vehicle type and value (newer or high-performance vehicles cost more to insure with a violation history)
Compare rates from carriers that work with drivers who have points
Standard carriers surcharge heavily after violations. These specialists price your specific record differently.
Get Your Free QuoteCoverage Types
Liability Insurance
Covers bodily injury and property damage you cause to others. Required by Michigan law at 50/100/10 minimums, but a single serious accident can easily exceed these limits.
SR-22 Insurance
Certificate of financial responsibility filed by your carrier with the Michigan Secretary of State. Required after DUI, suspensions, or uninsured accidents.
Non-Standard Auto Insurance
Coverage designed for drivers who cannot obtain standard policies due to violations, suspensions, or multiple accidents. Non-standard carriers accept higher-risk profiles but charge substantially more.
Uninsured Motorist Coverage
Protects you when hit by a driver without insurance or with insufficient limits to cover your damages. Optional in Michigan but valuable for high-risk drivers.
Full Coverage
Combines liability, comprehensive, and collision coverage. Required by lenders for financed or leased vehicles, regardless of your driving record.
Collision Coverage
Pays for damage to your vehicle after an accident, regardless of fault. Subject to deductible, and optional unless required by a lender.
