Michigan SR-22 Insurance After DUI & Violations

High-risk drivers often face judgment liens exceeding these minimums after serious accidents, making higher limits worth considering. The Michigan Secretary of State processes SR-22 filings that prove you carry at least minimum liability coverage.

SR-22 is not a type of insurance but a certificate your carrier files with the Michigan Secretary of State proving you maintain continuous liability coverage. Any lapse in coverage during the SR-22 period triggers a notification to the Secretary of State, often resulting in immediate license suspension and requiring you to restart the full filing period.

Non-standard carriers specialize in insuring drivers with DUI convictions, suspensions, multiple at-fault accidents, or lapsed coverage who cannot obtain standard policies. These policies often require full payment upfront or larger down payments than standard coverage.

Uninsured motorist coverage is not mandatory in Michigan but protects you if hit by a driver without insurance or with insufficient limits. High-risk drivers involved in accidents with uninsured motorists face particularly difficult recovery situations, as they may struggle to obtain affordable collision coverage.

Full coverage combines state-required liability with comprehensive and collision protection for your own vehicle.