Winslow Arizona, Car Insurance Writer
@winslow_arizona
Drivers need SR-22 insurance in Michigan after being convicted of a serious traffic violation, such as driving without insurance, reckless driving, or getting a DUI. Car insurance companies in Michigan are required to file an SR-22 certificate with the state to prove that drivers who are classified as “high-risk” maintain at least the minimum levels of car insurance required by Michigan law. Drivers must maintain their SR-22 coverage for 3 years.
Your first speeding ticket won’t necessarily guarantee that you need an SR-22. Michigan only requires an SR-22 for specific traffic offenses, or accidents that cost more than a certain dollar amount.
Drivers in Michigan Need SR-22 Insurance After
- Failure to pay damages after at-fault accident
- At-fault collision
- Speeding (21-25 mph over limit)
- Reckless driving
- Racing
- Hit and run
- DUI / DWI
As you can see, Michigan only requires an SR-22 for serious traffic offenses. Since each of these violations is serious, insurance companies consider drivers who need an SR-22 to be high-risk customers. That means if you are required to buy SR-22 coverage, insurance companies will charge you more in premiums to offset what they see as the added risk of covering you.
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