All Laws Decoded

SR-22 Insurance in Michigan

When Michigan requires an SR-22 (or similar) certificate of insurance, how long you must keep it, and what happens if it lapses.

Short answer: An owner or registrant who drives, or allows driving of, a vehicle without the required no-fault security is guilty of a misdemeanor punishable by a fine of $200 to $500, up to 1 year in jail, or both; MCL 500.3102; MCL 257.328(4); MCL 500.3135(4)

Driving without insuranceAn owner or registrant who drives, or allows driving of, a vehicle without the required no-fault security is guilty of a misdemeanor punishable by a fine of $200 to $500, up to 1 year in jail, or both; a driver who knows the owner has no insurance is also guilty. If found responsible for the civil infraction of failing to have insurance, the court may require the driver's license to be surrendered and order it suspended unless proof of insurance is submitted. An uninsured vehicle owner also cannot collect damages under the mini-tort provision for damage to that vehicle.
License suspension: https://www.legislature.mi.gov/Laws/MCL?objectName=mcl-257-328
Source: MCL 500.3102; MCL 257.328(4); MCL 500.3135(4)

More Michigan car insurance & vehicle laws

FAQ

What is the penalty for driving without insurance in Michigan?
An owner or registrant who drives, or allows driving of, a vehicle without the required no-fault security is guilty of a misdemeanor punishable by a fine of $200 to $500, up to 1 year in jail, or both; a driver who knows the owner has no insurance is also guilty. If found responsible for the civil infraction of failing to have insurance, the court may require the driver's license to be surrendered and order it suspended unless proof of insurance is submitted. An uninsured vehicle owner also cannot collect damages under the mini-tort provision for damage to that vehicle.

General legal information, not legal advice. Laws change and local rules can differ; check the linked official source or talk to a lawyer about your situation.