SR22 Insurance in Michigan

Michigan, like all other states, mandates that all drivers carry a minimum amount of liability insurance at all times. Michigan State will suspend or revoke driving privileges if this law is not obeyed. In order to reinstate a driver’s license it will be necessary to purchase a Michigan SR22 insurance certificate.
What is Michigan SR22 Insurance? Michigan SR22 insurance is a certificate of financial responsibility form purchased by a driver that is attached to a driver’s primary insurance policy as a rider or an endorsement.  The driver’s insurance provider will complete the SR22 filing with the Michigan Department of Motor Vehicles, which allows the state to reinstate the individual’s driver’s license. Thereafter, for a certain period of time the certificate is monitored by the insurance provider to ensure that the driver keeps the SR22 insurance in force without interruption for the duration of time mandated by the state. It is the responsibility of the insurance company to notify Michigan DMV by filing an SR26 form if the driver fails to keep their policy current or if it is canceled. When the SR26 form is filed, the driver will again have their license suspended or revoked.
When Does Michigan State Mandate SR22 Insurance? Drivers may have their license suspended or revoked for various reasons such as:
  • Refusal to submit to a breath or blood alcohol test
  • DUI or DWI offenses
  • Uninsured accidents
  • Multiple points against a driver’s DMV record
  • Child support or neglect cases
  • Legal judgments
How Long Will I Have to Carry Michigan SR22 Insurance? Michigan State generally requires that drivers carry Michigan SR22 insurance for three years.
What if I Don’t Own a Vehicle? Michigan State offers non vehicle owners the opportunity to purchase non owner SR22 insurance in order to reinstate their driver’s license. For more detailed information on this option, see our Michigan Non Owner SR22 insurance article.
Drivers can obtain free multiple quotes from Select Insurance Group, a leading company for all your SR22 needs, whether you own a vehicle or not.  We value your business, and are here to help.  Submit your inquiry using our secure online form, or give us a call today!