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.

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.

Minimum Coverage
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
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
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.

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

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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
Aerial view of a winding road through vibrant autumn forest with golden and orange fall foliage

Dearborn

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

Clinton Township

suburban
Autumn residential street with fallen leaves on wet pavement, suburban houses and bare trees under overcast sky

Livonia

suburban
Quiet suburban street lined with autumn trees showing fall colors under blue sky

Troy

suburban
Suburban residential street at dusk with trees, parked cars, houses, and yellow traffic sign

Westland

suburban
Cars parked along both sides of a tree-lined residential street during golden hour lighting

Flint

urban

Sources

  • Michigan Secretary of State — Driver License Reinstatement Requirements
  • Michigan Compiled Laws Section 257.904 — Failure to Appear Provisions
  • Michigan Department of Insurance and Financial Services — No-Fault Auto Insurance Guide
  • National Association of Insurance Commissioners — Auto Insurance Database Report

Frequently Asked Questions

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