Michigan Car Insurance After Multiple Violations
Michigan requires 50/100/10 liability coverage and is a no-fault state.
Get My Point-Reduction Insurance QuoteMichigan 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 uses a no-fault insurance system where your own Personal Injury Protection coverage pays your medical bills regardless of who caused the accident. The state requires proof of insurance at all times — driving without it adds 2 points and a mandatory 30-day suspension. Multi-violation suspensions are points-driven: 12 points accumulated within 2 years triggers automatic suspension under Michigan Compiled Laws 257.320a.
Personal Injury Protection (PIP)
Property Protection (PPI)
Bodily Injury Liability
Property Damage Liability
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
- Defensive driving course completion removes 2-3 points but does not erase the violation from carrier pricing lookback — expect sustained premium impact for 3 years post-violation.
Find Coverage While Your Points Come Down
Get My Point-Reduction Insurance QuoteIf 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 many points suspend your license in Michigan?
Michigan suspends your license at 12 points accumulated within 2 years under MCL 257.320a. Each violation adds points on the conviction date, not the citation date. Speeding 15+ over adds 4 points, careless driving adds 3, running a red light adds 3. Points remain on your driving record for 2 years from conviction, but carriers use a 3-year lookback for premium pricing.
Can I get a hardship license in Michigan after a points suspension?
Michigan does not issue hardship licenses for points-driven suspensions — the suspension must be served in full, typically 30-90 days depending on prior suspension history. If you have work or medical transportation needs during the suspension period, you cannot legally drive. Public transit, rideshare, or employer accommodation are the only legal options during a Michigan points suspension.
Do I need SR-22 after a Michigan points suspension?
SR-22 is typically not required for points-threshold suspension alone in Michigan. However, if one of the violations that pushed you over 12 points was reckless driving, DUI, or driving while suspended, the state may require SR-22 filing for 1-2 years post-reinstatement. Check your reinstatement notice or contact the Michigan Secretary of State Driver Assessment and Appeal Division to confirm.
Coverage Types
High-Risk Auto Insurance
Standard carriers often non-renew policies after 10+ points accumulate, even if you've reinstated your license. High-risk carriers in Michigan specialize in multi-violation profiles and offer 6-month terms with monthly payment plans.
Non-Standard Auto Insurance
Non-standard carriers write policies for drivers standard carriers reject. They accommodate 12+ points, recent suspensions, and pending violations. Expect higher premiums but guaranteed acceptance if you meet state minimum requirements.
SR-22 Insurance (if applicable)
SR-22 is typically not required for points-threshold suspension alone in Michigan, but if one of your recent violations was reckless driving, DUI, or driving while suspended, the state may require SR-22 filing for 1-2 years post-reinstatement.
Liability Insurance
Covers injuries and property damage you cause to others. Michigan requires 20/40 bodily injury and $10,000 property damage, but these minimums are insufficient if you cause a multi-car accident or injury claim.