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Michigan Restricted License Coverage

Michigan Restricted License Coverage is auto insurance with state-mandated SR-22 filing that proves you carry liability coverage while driving under a restricted license issued after a DAAD hearing.

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What Is Michigan Restricted License Coverage Insurance?

Michigan Restricted License Coverage is standard auto liability insurance packaged with SR-22 certificate filing. After your license is revoked for DUI or repeated violations, you must win a DAAD hearing to get a restricted license. Your insurer files an SR-22 certificate with the Secretary of State to provide that proof, and must notify the state immediately if your policy lapses.

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Who Needs Michigan Restricted License Coverage Insurance?

Required for anyone granted a Michigan restricted license by the DAAD after license revocation. You cannot legally drive on a restricted license without active SR-22 coverage — the Secretary of State will not issue the restricted license until your insurer files the SR-22 certificate, and will suspend the license immediately if coverage lapses.

If you have a restricted license, SR-22 coverage is mandatory — the decision is which carrier to use, not whether to buy it. Compare total premium cost including the SR-22 filing fee, not just the filing fee alone. Total monthly cost matters more than the isolated SR-22 surcharge.

How Much Does Michigan Restricted License Coverage Insurance Cost?

Underlying violation type — DUI convictions trigger higher base rates than administrative suspensions for repeated moving violations.
IID violation history — DAAD reviews IID monitoring reports; carriers price based on lockout frequency and missed calibration appointments.

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