The minimum SR-22 car insurance requirements in Michigan are $50,000 in bodily injury liability insurance per person ($100,000 per accident), plus $10,000 in property damage liability insurance. Drivers also need at least $250,000 in personal injury protection coverage (with some exceptions for drivers with Medicaid or Medicare) as well as $1,000,000 in property protection insurance. Drivers in Michigan will need to maintain the SR-22 coverage for 3 years. For context, an SR-22 is a form that the driver’s insurance company will file with the state to prove that the driver has enough coverage to drive legally.
Minimum SR-22 Insurance Requirements in Michigan
- Bodily injury liability coverage: $50,000 per person / $100,000 accident
- Property damage liability coverage: $10,000
- Personal injury protection: $250,000 for most drivers
- Property protection insurance: $1,000,000
Even though you can meet Michigan’s SR-22 requirements with the minimum insurance required by law, you might want to opt for higher coverage limits. The more insurance you buy, the more protection you have for your finances and property.
Consider supplemental policy options such as collision or comprehensive coverage, too. Collision coverage pays for damage to your car from a crash, while comprehensive coverage handles any other damage to your car, such as from theft, vandalism, or inclement weather.
Just keep in mind that insurance is more expensive for drivers with an SR-22, since they are classified as high-risk.
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