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Restricted License Insurance — Michigan

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

Minimum Coverage Requirements in Michigan

Michigan operates under a no-fault insurance system, meaning your Personal Injury Protection (PIP) coverage pays your medical bills regardless of who caused the accident. The state requires continuous proof of insurance, and driving without it triggers immediate license suspension and a reinstatement fee. Unlike most restricted-terminology states where restricted license applications are processed administratively, Michigan requires a formal hearing before the Driver Assessment and Appeal Division (DAAD) after revocation — approval is not automatic.

Liability Insurance

These limits are among the highest in the nation but still cover less than one serious accident involving multiple vehicles or significant injuries. PIP coverage is mandatory and billed separately — Michigan drivers cannot reject it.

Personal Injury Protection (PIP)

Michigan PIP pays your medical bills after an accident regardless of fault.

SR-22 Certificate of Financial Responsibility

Michigan requires SR-22 filing for 3 years after most DUI convictions and certain violations. The SR-22 is not insurance — it is a certificate your carrier files with the Michigan Department of State proving you maintain continuous coverage. If your policy lapses for any reason, your carrier notifies the state within 24 hours and your license is suspended immediately.

Uninsured Motorist Coverage

If an uninsured driver hits you, your PIP covers your medical bills, but property damage to your vehicle is your responsibility unless you carry collision coverage or purchase optional uninsured motorist property damage coverage.

Collision and Comprehensive Coverage

Michigan does not require collision or comprehensive coverage unless your lender mandates it. Collision pays for damage to your vehicle after an accident with another car or object; comprehensive pays for theft, vandalism, weather, and animal strikes.

What Drivers Pay in Michigan

$362–$670/mo

Typical monthly rate in Michigan, high-risk drivers after a DUI

Rate data: ValuePenguin and Insurify, 2026

What Affects Your Rate

DAAD hearing outcomes directly affect rates — drivers with multiple denials or extended revocation periods are classified as extreme risk and face limited carrier availability.
No-fault PIP coverage in Michigan creates higher base rates than tort states — restricted license drivers pay elevated PIP premiums on top of SR-22 surcharges.

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If 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

How do I get a restricted license in Michigan after a DUI revocation?

You must request a hearing before the Michigan Driver Assessment and Appeal Division (DAAD), typically 12 months after revocation for a first offense. Before the hearing, you must complete an approved alcohol treatment program, install an ignition interlock device (IID), and obtain SR-22 insurance. DAAD reviews proof of treatment completion, IID installation, and insurance at the hearing — approval is not automatic, and denial requires reapplying after 60–90 days.

How long does Michigan require SR-22 filing after a DUI?

Michigan requires SR-22 filing for 3 years after most DUI convictions, measured from the date of reinstatement, not the conviction date. If your insurance lapses at any point during the 3-year period, the Michigan Department of State is notified within 24 hours and your restricted license is suspended immediately. You must refile SR-22 and pay a reinstatement fee to restore driving privileges.

Does Michigan accept out-of-state SR-22 if I move from another state?

No. Michigan requires you to obtain Michigan-specific SR-22 filing from a carrier licensed in Michigan within 30 days of establishing residency. Out-of-state SR-22 certificates are not valid in Michigan, and driving with an invalid SR-22 is treated as driving without proof of insurance — your license will be suspended. You must contact a Michigan high-risk carrier and refile SR-22 before transferring your license.

Coverage Types

SR-22 Insurance

SR-22 is the certificate of financial responsibility Michigan requires after DUI, reckless driving, or driving while suspended. Your carrier files it electronically with the Michigan Department of State and maintains it for 3 years — any lapse triggers immediate suspension.

Non-Owner SR-22 Insurance

Non-owner SR-22 provides liability coverage and SR-22 filing when you do not own a vehicle but need to maintain a restricted license. It covers you when driving borrowed or rental vehicles and satisfies DAAD proof-of-insurance requirements.

Ignition Interlock Device (IID) Coverage

IID installation is mandatory for Michigan restricted licenses issued after DUI. The device prevents the vehicle from starting if it detects alcohol on your breath. Monthly monitoring, calibration, and data reporting fees are billed separately from insurance.

Full Coverage for High-Risk Drivers

Full coverage combines liability, collision, and comprehensive insurance. Lenders require it for financed vehicles. High-risk drivers pay significantly more because collision and comprehensive losses are statistically higher among restricted license holders.

Post-Revocation Insurance Requirements

Michigan DAAD hearings require proof of SR-22 filing and continuous coverage before approving a restricted license. You must obtain insurance before the hearing — carriers will issue SR-22 certificates before license reinstatement as long as you provide proof of an approved IID installation.

Westland

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Flint

urban