Michigan SR-22 Insurance

Auto Owner and Non-Owners Coverage

SR22-Insurance-Policies.com specializes in cheap Michigan auto, SR22, and non-owner insurance.

Certain violations require SR22 high risk auto insurance filing which is simply a document filed by an insurance provider with the state, for the purpose of showing proof of financial responsibility. This process will reinstate your suspended drivers license with the Michigan Department of State in Lansing and allow you to restore your driving privileges. The court will determine whether you need SR22 insurance, and for how long, usually 3years. It is necessary to maintain insurance coverage during the time frame that the court mandates. If coverage lapses during the determined time frame the state will suspend drivers license. If you move out of state while carrying SR22 insurance you must continue your coverage in the state the infraction occurred for the duration already determined by the court.

The state of Michigan requires all drivers to carry liability insurance with limits 50/100/10

$50,000 for bodily injury to 1 person
$100,000 for bodily injury to 2 or more people
$10,000 for property damage

Michigan auto insurance is no-fault meaning each drivers’ insurance covers their insured regardless of who’s at fault in an accident.

There are a few ways to meet your legal obligations and reinstate your license. You can file SR22 as a separate independent policy with a one time payment which will not interfere with existing policies and minimize the long term affects associated with this offense. The two main types of policies are:

Auto Owner or Motorcycle insurance policy - which is a standard auto / motorcycle insurance policy that covers a driver on their owned personal vehicle

Non-owner or Operator policy - is an auto insurance policy which covers a driver for vehicles that they don’t own. A driver who does not have a vehicle registered to their name may purchase a non-owner policy. Non-owner policies cost far less and carry significantly lower premiums, while still meeting compliance for all SR22 requirements.

financial responsibility high risk auto insurance is required for such violations as:

-serious moving violations, ie… reckless driving, speeding
-failure to provide valid proof of insurance or providing false documents
-driving on suspended or revolked license
-excessive tickets
-unpaid legal judgements
-failure to pay child support


For additional information on SR22 contact: Michigan Department of State, Lansing, MI 48918, 888-767-6424