What Is SR-22 Insurance? What You Need to Know After a Michigan DUI
If you’ve been convicted of a DUI in Michigan, you’ve probably heard about something called an SR-22. But what exactly is it — and why does it matter for your ability to drive?
What Is SR-22 Insurance?
An SR-22 is not actually insurance. It’s a form your insurance company files with the Michigan Secretary of State that proves you have the minimum required liability insurance to drive legally.
Think of it as a “proof of financial responsibility” certificate. It shows the state that you’re insured — even if you’re considered a high-risk driver after a DUI.
Why Do I Need an SR-22?
If you’ve been convicted of DUI, the state may require you to carry an SR-22 for a certain period — usually 3 years in Michigan.
Without an SR-22, you won’t be able to get your license reinstated after a suspension, and driving without it can result in further penalties.
How Much Does SR-22 Insurance Cost?
Adding an SR-22 to your insurance policy usually means your premiums will increase — sometimes significantly. This is because insurance companies see drivers with an SR-22 as high-risk.The exact cost varies based on your insurer, driving history, and other factors — but expect to pay hundreds of dollars more per year.
Can I Get SR-22 Insurance If I Don’t Have Car Insurance?
Yes. Many insurance companies offer SR-22-only policies for people who need to meet this requirement but don’t currently have insurance.
How Long Do I Need to Carry an SR-22?
In Michigan, most drivers are required to carry an SR-22 for 3 years after their DUI conviction. Your attorney or the Secretary of State can provide details specific to your case.
What Happens If I Cancel My SR-22?
If your insurance company cancels your SR-22 filing, the state will be notified. This can lead to suspension of your driver’s license — so it’s critical to keep your SR-22 active and your premiums paid.
Bottom Line
If you’re facing an SR-22 requirement, it’s important to understand what this means for your driving privileges, your insurance rates, and your future.
Getting legal advice early can help you navigate this requirement and avoid costly mistakes.If you need help with your DUI or SR-22 in Michigan, contact Mark Mandell today for a consultation.
📞 Contact us today → https://markmandell.net