Updated April 2026
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)
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Sources
- Michigan Secretary of State - Financial Responsibility and SR-22 Requirements
- Michigan Department of Insurance and Financial Services - Auto Insurance Guide
- Michigan Compiled Laws Section 257.509 - Proof of Financial Responsibility