FTA License Suspension
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Michigan FTA License Suspension Insurance

Michigan requires 20/40/10 liability minimums — $20,000 per person, $40,000 per accident for bodily injury, $10,000 for property damage. Average post-reinstatement insurance runs $110–$145/mo for standard coverage. If your underlying citation was uninsured driving, SR-22 may be required after FTA clearance.

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Non-Standard Auto · SR-22 · Senior · Teen Drivers

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Updated May 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.

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20/40 minimum
Bodily Injury Liability
Pays injury claims when you cause an accident. Michigan's 20/40 minimum covers $20,000 per injured person, $40,000 per accident total. One hospitalization exceeds the per-person limit — many Michigan drivers carry 100/300 to cover multi-vehicle crashes on I-94 or M-14 winter pileups.
$10,000 minimum
Property Damage Liability
Covers damage you cause to other vehicles and property. Michigan's $10,000 minimum is the lowest in the region. A collision with a newer SUV or pickup exceeds this limit — upgrading to $25,000 or $50,000 prevents out-of-pocket exposure after at-fault accidents.
Varies by election
Personal Injury Protection (PIP)
Michigan's no-fault PIP covers your medical bills, lost wages, and replacement services after any crash regardless of fault. Since 2019, Michigan allows PIP opt-down to $50,000 if you have qualifying health insurance, or unlimited coverage if you prefer legacy protection. Most post-FTA reinstatements require proof of PIP election before the Secretary of State restores your license.
Not required
Uninsured Motorist Coverage
Covers your injuries when hit by a driver with no insurance or insufficient limits. Michigan does not mandate UM coverage, but 13% of Michigan drivers are uninsured — higher in Detroit metro. If you reject UM in writing, you have no claim against an uninsured driver beyond your own PIP.
State minimums + filing
SR-22 Certificate (if required)
SR-22 is proof-of-insurance filing required after certain violations. If your missed-court citation was for driving uninsured or causing an accident without insurance, the district court or Secretary of State may require SR-22 once the FTA is cleared. SR-22 filing adds $25–$50/year to your premium and must remain active for the period ordered by the court or Secretary of State.
State-Mandated Minimum Coverage · Michigan

Michigan Minimum Coverage

CoverageMinimum
Bodily Injury (per person)$50,000
Bodily Injury (per accident)$100,000
Property Damage$10,000

License Reinstatement Fee$125

Meeting the state minimum keeps you legal. See whether it's enough — get your Michigan quote.

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How Much Does Car Insurance Cost in Michigan?

Post-FTA reinstatement rates in Michigan depend on the underlying citation that triggered your missed court date. Uninsured-driving citations elevate you into high-risk pricing; speeding or equipment violations typically don't. Michigan's no-fault PIP structure makes rates higher statewide than neighboring states — average liability-only policies run $90–$115/mo, full coverage $160–$210/mo.

What Affects Your Rate

  • Underlying citation type — uninsured-driving FTA increases rates 40–60% over speeding-ticket FTA in Michigan
  • ZIP code — Detroit 48209 averages $185/mo for standard coverage, Grand Rapids 49504 averages $125/mo
  • PIP election — unlimited PIP adds $80–$120/mo compared to $50,000 opt-down with health insurance coordination
  • SR-22 requirement — if mandated after FTA clearance, adds $25–$50/year filing fee plus 15–25% rate increase at most carriers
  • Time since FTA clearance — rates improve 6–12 months after court hold is released and reinstatement is complete
Minimum Coverage
$90–$115/mo
State-required 20/40/10 liability and minimum PIP election. Suitable if you drive an older vehicle with no loan and accepted responsibility for the underlying citation without downstream SR-22.
Standard Coverage
$110–$145/mo
50/100/25 liability, $100,000 PIP, uninsured motorist protection. Recommended if the underlying citation was moving-violation related and you drive I-96, US-23, or Metro Detroit highways regularly.
Full Coverage
$160–$210/mo
100/300/50 liability, $250,000 PIP, comprehensive and collision with $500 deductible. Necessary if you finance a vehicle or if the FTA citation was uninsured-driving related and SR-22 is required after court clearance.

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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.

Find Your City in Michigan

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Detroit

urban
Urban river view with modern skyscrapers and office buildings along the waterfront under blue sky

Grand Rapids

urban
Warren, Michigan cityscape and street view

Warren

suburban
Sterling Heights, Michigan cityscape and street view

Sterling Heights

suburban
Ann Arbor, Michigan cityscape and street view

Ann Arbor

suburban
Lansing, Michigan cityscape and street view

Lansing

urban
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Dearborn

suburban
Peaceful autumn forest path with golden yellow trees and fallen leaves covering the ground

Clinton Township

suburban
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Livonia

suburban
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Troy

suburban
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Westland

suburban
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Flint

urban

Frequently Asked Questions

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