Michigan Auto Insurance for Suspended Licenses
Michigan requires 50/100/10 liability coverage and is a no-fault state.
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Michigan at a Glance
50/100/10
Minimum liability limits, in thousands of dollars (per person / per accident / property)
No-fault
Each driver's own policy pays their injuries first, whoever caused the crash
Required
PIP coverage must be on every policy
$125
State license reinstatement fee
Source: state DMV, insurance department and statute records, verified July 2026
State Requirements
Michigan operates under a no-fault insurance system, requiring all drivers to carry Personal Injury Protection (PIP) in addition to traditional liability coverage. The Michigan Department of Insurance and Financial Services enforces mandatory continuous coverage — any lapse triggers registration suspension and reinstatement fees. Drivers reinstating from suspension often must file SR-22 proof-of-insurance certificates and maintain minimum coverage for a state-mandated period.
Personal Injury Protection (PIP)
Bodily Injury Liability
Property Damage Liability
SR-22 Certificate
Property Protection Insurance (PPI)
Cost Overview
$362–$670/mo
Typical monthly rate in Michigan, high-risk drivers after a DUI
Rate data: ValuePenguin and Insurify, 2026
Line Up Coverage Before Your License Comes Back
Get Back on the RoadIf your license is suspended
Restricted license (offense-specific; incl. Specialty/Sobriety Court restricted license)
A restricted license is available while suspended.
A coverage lapse is reported
The state can act when your insurance lapses.
Source: state DMV, insurance department and statute records, verified July 2026
Frequently Asked Questions
Do I need insurance if my license is suspended in Michigan?
Yes, Michigan requires continuous insurance coverage even during suspension to avoid additional penalties and registration revocation. If you own a vehicle, you must maintain minimum liability and PIP coverage on the registered vehicle. If you don't own a vehicle, a non-owner SR-22 policy satisfies the continuous coverage requirement and allows you to reinstate your license when eligible.
How long do I need SR-22 in Michigan?
Michigan typically requires 3 years of continuous SR-22 filing for DUI convictions, reckless driving, and driving without insurance violations. The 3-year period begins on your reinstatement date, not your suspension date. Any lapse in coverage during the mandated period triggers immediate re-suspension and restarts the entire SR-22 requirement clock.
Can I get a hardship license in Michigan?
Michigan does not offer traditional hardship licenses, but certain suspension types allow restricted licenses for work, medical appointments, and court-ordered obligations after serving a minimum suspension period. DUI first offenses may qualify for restricted privileges after 30 days of hard suspension if you install an ignition interlock device. Appeal hearings with the Driver Assessment and Appeal Division determine eligibility based on demonstrated need and compliance with reinstatement conditions.
Will my insurance company file SR-22 in Michigan?
Not all insurance carriers file SR-22 certificates — many standard insurers do not offer policies to drivers with suspended licenses or DUI convictions. You need a carrier licensed to write SR-22 in Michigan and willing to accept high-risk drivers. Non-standard auto insurers and assigned risk pool carriers specialize in SR-22 filing and reinstatement situations, though premiums are higher than standard market rates.
Coverage Types
SR-22 Insurance
SR-22 is a state-mandated certificate proving continuous insurance coverage, filed electronically by your insurer with the Michigan Secretary of State. Required for most DUI suspensions, reckless driving convictions, and accumulating 12+ points within 2 years.
Non-Owner SR-22
Liability-only policy for drivers who do not own a vehicle but need SR-22 filing to reinstate their license. Meets Michigan's continuous coverage requirement and allows you to drive borrowed or rental vehicles legally.
Liability Insurance
Covers bodily injury and property damage you cause to others. Michigan requires 20/40/10 minimums, which provide limited protection in serious accidents involving multiple vehicles or significant injuries.
Uninsured Motorist Coverage
Protects you when hit by a driver without insurance or a hit-and-run driver. Covers medical expenses and vehicle damage up to your selected limits.
Non-Standard Auto Insurance
Specialized coverage for high-risk drivers who cannot obtain policies from standard carriers. Designed for drivers with DUI convictions, multiple suspensions, or significant violations requiring SR-22 filing.
Personal Injury Protection (PIP)
Michigan-specific no-fault medical coverage paying for your injuries regardless of who caused the accident. Options now range from $50,000 to unlimited based on your health insurance status.