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Michigan Car Insurance

Being known as the “Car Capital of the World”, you would think everyone, whether driving or not, must own car insurance. To make sure you are protected on the road, Good2Go Insurance, Inc. offers quality car insurance at a price point perfect to fit your needs.

If you happen to get into an accident without the proper car insurance, you can face hefty fines, a license suspension, and even jail time.

Michigan Penalties for Driving Without Car Insurance

In the state of Michigan, it is illegal to drive any motor vehicle without proof of insurance or financial responsibility. The driver must maintain proof of continuous insurance throughout the registration period. The penalties for driving without car insurance in Michigan include:

  • Fines of $200 – $500.
  • Up to 1 year in jail.
  • 30-day driver’s license suspension, or until you can show proof of valid car insurance.


What is Considered Full Coverage Auto Insurance in Michigan?

According to the Michigan Secretary of State, Michigan‘s car insurance laws require all drivers to present proof of liability insurance when they register their vehicle. Michigan vehicle owners with cars registered in their name must be able to certify that they have insurance and that it meets state minimum requirements for:

  • $20,000 for bodily injury to or death of one individual and $40,000 for any one accident; and
  • $10,000 for injury to the property of others in any one accident.


Michigan DUI/DWI Laws and Penalties

Michigan DUI laws state that drivers with a Blood Alcohol Concentration (BAC) of 0.08 or more are considered to be driving under the influence. Michigan DUI laws also prohibit driving under the influence of controlled substances such as marijuana, cocaine or inhalants.

For a first offense:

  • Over 90 days in jail
  • Six months licensure suspension
  • Up to $1500 in fines and costs
  • Up to 180 hours of Community Service


For a second offense:

  • Five days to one year in jail, or 30 to 90 days community service
  • One-year licensure revocation (no driving at all, no license available)
  • Up to $2000 in fines and costs
  • Vehicle Immobilization of 3 to 6 months


Michigan Cell Phone Driving Laws and Texting While Driving Laws

The state of Michigan currently does not have a full ban on cell phone use for all drivers, however, the city of Detroit does. However, novice drivers under the age of 18 are prohibited from using a cell phone in any manner (talking, texting, playing games, etc.) while driving. Michigan also has a texting while driving ban for all drivers. Violators can face a fine of $100 for first offenses and $200 for multiple offenders.

Michigan SR-22 Insurance Documents

Michigan SR-22 insurance documents are required for drivers who have been convicted of driving without auto insurance. An SR-22 form may need to be filed for three years with the Secretary of State, showing proof of financial responsibility. This filing is usually required after the suspension of your driving privileges has been lifted. Your insurer can electronically file SR-22 insurance documents to the state of Michigan for drivers that are required to keep and show valid auto liability insurance.

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