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SR-22 in Michigan: Fees, Minimum Coverage and How Long
The short answer
Michigan does not use the name SR-22. When proof is required, your insurer files a certificate of insurance with the Secretary of State under state law (MCL 257.518), and it must be kept for 3 years from the date proof was required. Minimum liability is $50,000 per person and $100,000 per accident for injuries, and $10,000 for property damage (50/100/10).
At a glance
| Uses SR-22 | Yes, as a certificate of insurance |
|---|---|
| Minimum liability | 50/100/10 |
| How long | 3 years from the date proof was required |
| State reinstatement fee | $25 to $125 |
| Who files it | Your insurance company |
What else to know in Michigan
Michigan is a no-fault state: personal injury protection (PIP) medical coverage is mandatory, with several coverage levels to choose from. The limits shown are the lowest a driver may buy; the $10,000 property damage applies to damage in another state. Reinstating after a no-insurance suspension costs a $25 service fee; other suspensions cost $125.
Steps
- Get a liability policy of at least 50/100/10 from an insurer licensed in Michigan and tell them you need a certificate of insurance. Not every insurer provides it.
- The insurer files the certificate of insurance with the Michigan Secretary of State. You cannot file it yourself.
- Pay the state's fees on your suspension notice. The state's reinstatement fees are $25 to $125, depending on the suspension.
- Keep the policy active for 3 years from the date proof was required. Before you cancel, confirm with the state that your requirement has ended; canceling early can suspend your license again.
FAQ
How long do I need the certificate of insurance in Michigan?
3 years from the date proof was required, under Michigan's rules (see the sources below).
Does Michigan charge a fee for the certificate of insurance?
No. It is filed by your insurer, which may add its own charge. The state's reinstatement fees are $25 to $125, depending on the suspension.
What liability limits does Michigan require?
$50,000 per person and $100,000 per accident for injuries, and $10,000 for property damage (50/100/10). Some states also require other coverage, such as personal injury protection or uninsured motorist coverage; check with the state agency.