Minimum Coverage Requirements in Michigan
Meeting the state minimum keeps you legal. See whether it's enough — get your Michigan quote.
Get your Michigan quoteHow Much Does Car Insurance Cost in Michigan?
What Affects Your Rate
- DUI suspensions trigger SR-22 filing for 3 years, adding approximately $60–$90/month to premiums in Michigan.
- Ignition interlock installation costs $70–$150 upfront, plus $60–$80/month monitoring for the duration of the restriction.
- Court application fees range from $45 to $125 depending on county — Wayne County charges $100, Oakland County charges $125.
- Non-owner SR-22 policies cost $40–$80/month for drivers without vehicles applying for work-only restricted permits.
- Restricted License reinstatement fees cost $125 once the restriction period ends and full driving privileges are restored.
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Get Your Free QuoteCoverage Types
Hardship License Basics
Michigan's Restricted License allows limited driving during suspension for work, medical appointments, court-ordered programs, and essential household tasks.
DUI Restricted License
DUI suspensions in Michigan carry mandatory 30-day hard suspension before Restricted License eligibility — application requires completion of a state-approved alcohol treatment program.
Uninsured Suspension
Michigan suspends licenses for driving without insurance or for lapse in coverage. Reinstatement requires proof of continuous coverage for the preceding 30 days.
Points Suspension
Michigan suspends licenses after 12 points in 24 months. Restricted License eligibility depends on the specific violations that caused the point accumulation.
