Michigan FTA License Suspension Insurance
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 modified no-fault system — your Personal Injury Protection coverage pays medical bills regardless of fault, but tort liability applies for property damage and serious injury claims. The Michigan Secretary of State requires proof of insurance at registration and after any suspension reinstatement. FTA suspensions originate in the district court that issued the citation, not the Secretary of State — the court places a hold on your license record after you miss your appearance date.
Bodily Injury Liability
Property Damage Liability
Personal Injury Protection (PIP)
Uninsured Motorist Coverage
SR-22 Certificate (if required)
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
- Time since FTA clearance — rates improve 6–12 months after court hold is released and reinstatement is complete
Get Back on the Road After a Missed Court Date
Get My Post-FTA 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
Does Michigan require SR-22 after an FTA suspension?
SR-22 is not required for the FTA itself — it is required if the underlying citation was for driving uninsured, causing an accident without insurance, or certain repeat violations. If your missed court date was for speeding or an equipment violation, SR-22 is typically not mandated. Check your district court order or contact the Secretary of State Driver License Appeals Division to confirm.
Can I get a hardship license in Michigan with an FTA hold?
No. Michigan does not issue hardship or restricted licenses while a district court FTA hold is active. The court hold blocks all Secretary of State license transactions until the warrant is recalled and the FTA is cleared. After clearance, you may apply for a restricted license if eligible under separate suspension rules, but the FTA itself must be resolved first.
Coverage Types
Post-FTA Reinstatement Insurance
Coverage you purchase after the district court releases the FTA hold and the Secretary of State reinstates your license. Most carriers write post-FTA policies at standard rates if the underlying citation was minor.
SR-22 Insurance (If Required)
Proof-of-insurance certificate filed by your carrier to the Michigan Secretary of State. Required after uninsured-driving convictions, certain DUI outcomes, or at-fault accidents without insurance.
Minimum Liability Compliance
20/40/10 liability is Michigan's legal minimum. Covers injury and property damage you cause. Sufficient for reinstatement but not for financial protection in multi-vehicle crashes.
Non-Standard Auto Insurance
Coverage for drivers with violations, suspensions, or gaps. Written by specialty carriers at higher rates. Includes SR-22 filing capability.
Standard Auto Post-Reinstatement
Full-service coverage from State Farm, Allstate, Auto-Owners after your license is reinstated and the FTA is cleared. Available if the underlying citation was not insurance-related.