How long do you need an SR-22 in Michigan? This question is about SR-22 Insurance Guide

How long do you need an SR-22 in Michigan?

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This question is about SR-22 Insurance Guide

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@WalletHub • 02/23/23 This answer was first published on 06/17/20 and it was last updated on 02/23/23.For the most current information about a financial product, you should always check and confirm accuracy with the offering financial institution. Editorial and user-generated content is not provided, reviewed or endorsed by any company.

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You need an SR-22 in Michigan for three years. Drivers with an SR-22 in Michigan must maintain at least the minimum car insurance coverage required by Michigan law for three years, and if there is any lapse in coverage, the clock resets. Michigan mandates at least $50,000 in bodily injury liability insurance per person ($100,000 per accident), and at least $10,000 in property damage liability coverage. Michigan also requires personal injury protection and property protection insurance.

When you get SR-22 insurance coverage in Michigan, your insurance company files your SR-22 certification with the state on your behalf. Failing to file an SR-22 can result in your vehicle registration or license being suspended, in addition to costly reinstatement fees. Your insurer also notifies the state if you cancel your policy or allow it to lapse prematurely. You’re even required to maintain an SR-22 if you move from Michigan, using an out-of-state filing.

If you’re unable to afford your payments, contact your insurance provider before you miss a due date. You can request a different payment plan or get information about subsidized plans that may be more affordable.

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Do I need an SR-22?

You need an SR-22 if a judge or your state department of motor vehicles has informed you that you do. An SR-22 form, also called a Certificate of Financial Responsibility, may be required if you are trying to reinstate or maintain your license after being convicted of certain driving violations. These include DUI/DWIs, reckless driving, driving without a license or insurance, or repeat offenses. You can only get an SR-22 form from your car insurance...

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What does SR-22 insurance cover?

SR-22 insurance covers the cost of other people’s injuries and property damage after accidents that you cause, and it does not cover damage to your own vehicle. 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.

SR-22 is actually the name of the form the court or state requires from drivers convicted of certain violations, such as...

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How much does non-owner SR-22 insurance cost?

Non-owner SR-22 insurance costs at least $15 - $25, due to the fee insurers charge for filing an SR-22 form with the DMV. Non-owner SR-22 insurance also costs roughly 3% more than a standard non-owner car insurance policy, on average, given the high-risk surcharge that insurers apply to the premiums of drivers who need an SR-22.

The exact cost of a non-owner SR-22 policy depends on where the driver lives and how much car insurance they’re...

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