Official Michigan Guide

Michigan SR-22 Insurance

A complete roadmap to satisfying Michigan Secretary of State requirements. Compare rates, understand no-fault liability, and get your license reinstated today.

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Min. Liability

20/40/10

$20k BI / $40k Total / $10k PD

Mandate Term

3 Years

Consecutive filing required

Filing Fee

~$15 - $25

One-time administrative cost

How Michigan SR-22 Filing Works

In Michigan, the SR-22 is a "Certificate of Financial Responsibility." It is a digital document filed by your insurance carrier directly with the Michigan Secretary of State (SOS). Because Michigan is a 'No-Fault' state, your SR-22 policy must also integrate with mandatory Personal Injury Protection (PIP) levels to satisfy state compliance.

The "Re-Suspension" Trap

If your policy cancels or lapses for even one day, your carrier is legally required to file an SR-26 Notice. This triggers an immediate suspension of your license and may reset your 3-year filing period in Michigan.

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Who Needs to File in MI?

OWI / OUIL: Operating While Intoxicated or under the influence of controlled substances.
Uninsured Accident: Being at-fault in an accident while driving without valid liability insurance.
Excessive Points: Accumulating 12 or more points on your driving record within a two-year window.
Unsatisfied Judgments: Failure to pay court-ordered damages resulting from an auto accident.

Don't Own a Car in Michigan?

You can still get reinstated! A Michigan Non-Owner SR-22 Policy covers you as a driver for any vehicle you borrow. It satisfies the Michigan SOS requirement and is typically much cheaper than a standard owner's policy.

Read our full guide on Non-Owner policies

The MI Reinstatement Timeline

Check Eligibility

Log into the Michigan SOS 'Online Services' portal to verify your suspension period and outstanding reinstatement fees.

Secure SR-22

Purchase a policy with 20/40/10 limits. Your insurance carrier will electronically transmit the certificate to the SOS in Lansing.

Pay Reinstatement Fee

Pay the mandatory fees (typically $125) online or at a Michigan Secretary of State self-service station.

Status Valid

Once the SR-22 is logged and the fee is processed, your driving privileges are officially restored in the state system.

The Cost of Non-Compliance

Driving while suspended or letting your SR-22 lapse carries severe penalties in Michigan:

First Offense

Mandatory Impoundment

Court Fines

Up to $500 + Court Costs

SR-22 Period

3-Year Clock Resets

Legal Risk

Up to 93 Days in Jail

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Michigan Filing FAQs

How much is the filing fee in Michigan?

Most insurance carriers charge a one-time fee of $15-$25 to electronically file the certificate with the Michigan Secretary of State. This is separate from your monthly premium.

Can I drive out of state with a MI SR-22?

Yes. Your Michigan SR-22 is valid nationwide. You must simply maintain the Michigan-specific limits (20/40/10) to remain compliant with state law.

What is the difference between SR-22 and Michigan No-Fault?

No-Fault is the legal system for paying medical claims. An SR-22 is a specific certificate attached to your liability coverage that proves you meet the state's financial responsibility laws.

Can I get a Non-Owner policy in MI?

Yes, Michigan allows Non-Owner SR-22 filings. It is often the most cost-effective way to restore your license if you do not own a vehicle.

Will my license be suspended if I miss a payment?

Yes. Michigan law requires insurers to notify the SOS immediately (via SR-26) if your policy lapses, which triggers an instant automatic suspension.

How do I remove the SR-22 after 3 years?

Once your 3-year mandate expires, contact the Michigan SOS to confirm the requirement is fulfilled. You can then instruct your insurer to remove the SR-22 filing.

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