SR-22 insurance in Michigan costs an average of $1,399 per year, an increase of 8% compared to standard car insurance rates. In addition to an increased premium, it costs between $15 and $25 to file an SR-22 form in Michigan, depending on the insurance company.
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.
Note: Rates are an approximation based on a driver in Michigan with minimum coverage. Actual rates will vary.
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