No, you cannot get an SR-22 without insurance in Michigan. An SR-22 is documentation proving that a driver has at least the minimum insurance coverage required by Michigan law, after they’ve been convicted of a serious traffic violation. A convicted driver needs to buy an insurance policy before they can get SR-22 documentation. Then their insurance company can complete the necessary paperwork with the Secretary of State (SOS) to file an SR-22 certificate and confirm that the driver is actually following the law.
Not only do drivers in Michigan need insurance to file an SR-22 certificate with the state, but they must also keep their insurance policy active for 3 years in order to fulfill the state’s SR-22 requirement. If coverage lapses, the clock resets.
Without an active insurance policy, a driver who needs SR-22 insurance will face additional fines and penalties, including the possibility of license suspension or jail time. Michigan drivers may be able to get SR-22 coverage from Dairyland and Farmers for reasonable rates.
The cost of non-owner SR-22 insurance depends on where you live. But because non-owner SR-22 insurance policies apply only to drivers, and not their cars too, they generally cost less than regular SR-22 coverage.
What is non-owner SR-22 insurance?
An SR-22 isn't actually a type of insurance. Rather, it's a certificate proving that you have your state's minimum required car insurance coverage. A non-owner policy just happens to be the least expensive option that qualifies in most cases.… read full answer
A non-owner SR-22 is for drivers who:
Must file an SR-22 with the state due to high-risk infractions.
Don't own a car.
Don't have easy access to a car. (For example, if a roommate or family member in the same house owns a car, that would be easy access.)
Each state requires different levels of coverage, but most mandate some amount of liability protection. Liability insurance comes in two forms: bodily injury and property damage, which help pay for damage you cause to other people or their property when you're driving. At a minimum, you'll pay for liability insurance along with your non-owner SR-22 certificate.
The certificate costs between $15 and $50 (most companies charge $25). But if the state has suspended your license, you first need to pay to reinstate it. Then you need to buy an insurance policy so the insurance company can file your SR-22 certificate with the state.
Where to buy cheap non-owner SR-22 insurance online
Not all insurance companies offer non-owner car insurance, and even fewer offer it at a competitive price. So make sure to compare rates from numerous providers before buying insurance. The following companies are a good place to start:
SR-22 insurance covers the minimum protection required by state law. If the court or state tells you that you need SR-22 insurance certification, your minimum coverage requirements are still the same as for any other resident.
Many states only require liability insurance. In these states, SR-22 insurance covers the costs of the other driver’s injuries or property damage if you’re at fault in an accident. Some states, like Florida and Michigan, also require Personal Injury Protection, which pays medical expenses for you and your passengers. States such as New Jersey and New York mandate uninsured or underinsured motorist protection, as well. This kind of insurance pays for your losses if another driver is at fault and either has no/low liability insurance or is a hit-and-run driver.… read full answer
Like all insurance, SR-22 insurance policies are written with limits. These limits are the maximum amounts the insurance company will pay out for losses. The coverage limits for your SR-22 insurance policy will follow the requirements of the state in which you were convicted or now live, whichever are higher.
SR-22 is actually the name of the form the court or state requires from drivers convicted of certain violations, such as DUI/DWIs, reckless driving, and driving without a license or insurance. The SR-22 must be filled in by your insurance company and certifies that you have the legally required coverage.
Even though it’s minimal, SR-22 coverage can be expensive. The violation you committed will put you into the insurance company’s high-risk pool of drivers. This can raise your insurance costs 25% or more.
Yes, you can get car insurance with a suspended license if have a hardship license to drive to work, school, and medical appointments. Or, some car insurance companies may be willing to insure your car against non-collision damage —theft, fire, flood, vandalism, falling objects, etc.—if you turn in your plates and store the vehicle for as long as your driver's license is suspended.… read full answer
You may have to shop around for coverage. If your insurance company doesn’t issue high-risk policies, they may cancel or refuse to renew your coverage. Smaller, regional companies and insurers that focus on drivers other companies don’t like to cover, such as The General, are more likely to insure you while your license is suspended.
Before your suspension ends, you will need to have liability coverage and any other state-required insurance again, under your name. The court or state may require you to submit an SR-22 form certifying that you have at least the state’s minimum insurance requirements. Only an insurance company can submit this form, when you purchase insurance, and not all companies will. Once again, you may need to look around, but some major national insurers do offer SR-22 insurance and service, including State Farm, Progressive and GEICO.
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