SR-22 insurance in Michigan costs $1,399 per year on average, plus a filing fee of $15 to $25 for the SR-22 form your insurer submits on your behalf. In contrast, car insurance for drivers without an SR-22 costs an average of $1,300 per year.
An SR-22 is a state-issued form verifying that a driver is carrying the minimum amount of car insurance coverage required by the state after they are convicted of a serious violation like DUI or reckless driving. Because an SR-22 designates the policyholder as high-risk, their insurance premium goes up while it's on file with the state. Drivers in Michigan who need to file an SR-22 will also lose any discount related to good driving that they may have previously qualified for.
The effect of an SR-22 on the cost of insurance is only temporary, though. In Michigan, drivers only need to have their SR-22 on file for 3 years. After that, the driver's premium will start to go back down, assuming they drive responsibly.
You can get your SR-22 removed in Michigan after 3 years by notifying your insurance company, which will cancel the SR-22 filing with the state. Sometimes, the Secretary of State (SOS) will send you a notice letting you know when your SR-22 period is over.
If you're not sure whether you've satisfied your SR-22 certification requirement, you can find out when you'll be able to remove the high-risk SR-22 label from your driving record...
SR-22 insurance costs an average of $62 to $122 per month, depending on the insurer and the offense that led to the SR-22 requirement. The DMV in your state will also charge a one-time fee to file the necessary paperwork.
It costs $25 to $50 to file an SR-22 form with the DMV, depending on the state. In addition to proving you have enough coverage to drive legally, the SR-22 flags you as a...
An SR-22 in Michigan is a certificate proving that a high-risk driver has the legal requirements for car insurance in Michigan. So-called SR-22 insurance raises annual car insurance premiums by roughly $100 in Michigan, compared to standard rates. In addition, there's usually a fee of $15 to $25 for your insurance company to file your SR-22 documentation with the state.
Your SR-22 must be maintained with Michigan's licensing agency for 3 years, according to Michigan...
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