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Arizona vs Michigan
Bottom line
Arizona requires more property-damage coverage than Michigan ($15,000 vs $10,000). Both require an SR-22 filing for certain violations. Arizona generally has lower license-reinstatement costs.
✓ Official government sources
✓ Last verified June 2026
✓ 36 fields reviewed
✓ Source links on every value
Important differences between Arizona and Michigan
The differences drivers should know.
Bodily injury / person
Arizona$25,000
Michigan$50,000
→ Michigan requires higher bodily-injury coverage.
Bodily injury / accident
Arizona$50,000
Michigan$100,000
→ Michigan requires higher bodily-injury coverage.
Property damage
Arizona$15,000
Michigan$10,000
→ Arizona requires more property-damage coverage.
UM/UIM requirement
ArizonaOptional — not part of the required minimum. UM/UIM must be offered by the insurer and may be rejected…
Michiganoptional. Uninsured Motorist (UM) and Underinsured Motorist (UIM) bodily injury are both optional in…
Clock starts from
ArizonaFrom the effective date of the suspension (not the reinstatement date). Judgment-suspension cases vary…
MichiganFrom the date proof was required (MCL 257.528(1)(a)) — NOT the reinstatement date and NOT the…
Non-owner SR-22
ArizonaYes — a non-owner SR-22 policy is available for people who don't own a vehicle but must meet the…
MichiganYes
SR-22 filing fee
Arizona~$15-25 (charged by the insurer, not ADOT)
Michigan~$15-50 (charged by the insurer to add the certificate filing, not a SOS fee)
License reinstatement
ArizonaScenario-dependent. General suspension: $10. Revocation (DUI/major offense): $20 + an age-based…
Michigan$125 flat
→ Arizona costs less to reinstate.
Registration reinstatement
Arizona$25 registration/license-plate reinstatement on the FR (accident) path (§28-4144). For a no-insurance…
MichiganN/A
No-insurance, first offense
ArizonaMinimum civil penalty $500 (1st violation), plus a 3-month suspension/restriction of driving privileges…
MichiganMisdemeanor: $200-$500 fine, up to 1 year jail, or both
No-insurance, repeat offense
Arizona2nd within 36 months: minimum $750 + 6-month suspension of license, registration, and plates. 3rd+…
MichiganSame as first: misdemeanor $200-$500, up to 1 year, or both
DUI suspension
Arizona1st DUI: 90-day administrative (Admin Per Se / implied-consent) suspension; the criminal §28-1381…
Michigansuspension (1st offense, MCL 257.319(8)): OWI 0.08 (625(1)(a)/(b)) = 180-day suspension, no restricted…
DUI fine range
ArizonaStandard DUI §28-1381: 1st = ≥$250 fine + two mandatory $500 assessments (~$1,250+ before surcharges),…
MichiganMCL 257.625 (OWI). 1st (subsec 9): misdemeanor, fine $100-$500 (or $200-$700 if High-BAC), up to 93…
Driving while suspended
ArizonaDriving on a suspended, revoked, canceled, or refused license, or while disqualified, is a class 1…
MichiganMCL 257.904. 1st violation: misdemeanor, up to 93 days jail or up to $500, plus registration plates…
CDL consequence
ArizonaPer §28-3312, MVD disqualifies a CDL: 1 year for a first major offense — test refusal (§28-1321),…
MichiganMCL 257.319b. 60 days: 2 serious traffic violations in 36 months. 120 days: 3 in 36 months. 1 year…
Recent law changes
Changes verified from official state sources.
Arizona2020-07-01 — minimum liability limits raised from 15/30/10 to 25/50/15 (ARS §28-4009, enacted by HB 2534, 2019).
MichiganMinimum liability limits last changed effective July 1, 2020 (250/500 default + 50/100 floor replacing 20/40, per 2019 PA 21/22). Most recent section…
Full comparison
Every compared field, with the official source on each value.
Coverage
Bodily injury / person
Bodily injury / accident
Property damage
UM/UIM requirement
Arizona
Optional — not part of the required minimum. UM/UIM must be offered by the insurer and may be rejected in writing.
See Arizona sources ↗Michigan
optional. Uninsured Motorist (UM) and Underinsured Motorist (UIM) bodily injury are both optional in Michigan — the DIFS consumer guide lists them…
Official source ↗Full details
optional. Uninsured Motorist (UM) and Underinsured Motorist (UIM) bodily injury are both optional in Michigan — the DIFS consumer guide lists them under optional coverages and its glossary describes both as optional coverages available for purchase. Both are fully optional in Michigan.
SR-22 / FR-44
SR-22 required same
FR-44 required same
Filing duration same
Clock starts from
Arizona
From the effective date of the suspension (not the reinstatement date). Judgment-suspension cases vary and require contacting MVD.
Official source ↗Michigan
From the date proof was required (MCL 257.528(1)(a)) — NOT the reinstatement date and NOT the conviction date. nuance: if the person surrenders the…
Official source ↗Full details
From the date proof was required (MCL 257.528(1)(a)) — NOT the reinstatement date and NOT the conviction date. nuance: if the person surrenders the license/registration and reapplies within the 3-year window, they must reestablish proof for the remainder of the 3 years (257.528(3)) — Michigan tolls the clock rather than restarting it.
Non-owner SR-22
Arizona
Yes — a non-owner SR-22 policy is available for people who don't own a vehicle but must meet the requirement after a serious traffic offense.
Official source ↗Costs
SR-22 filing fee
Michigan
~$15-50 (charged by the insurer to add the certificate filing, not a SOS fee)
See Michigan sources ↗License reinstatement
Arizona
Scenario-dependent. General suspension: $10. Revocation (DUI/major offense): $20 + an age-based application fee ($10 age 50+, $15 ages 45-49, $20…
Official source ↗Full details
Scenario-dependent. General suspension: $10. Revocation (DUI/major offense): $20 + an age-based application fee ($10 age 50+, $15 ages 45-49, $20 ages 40-44, $25 age 39 and under or any age with a Travel ID) + SR-22 + (for alcohol/drug cases) interlock and substance-abuse evaluation. Admin Per Se suspension: additional $50. Financial-responsibility (accident) suspension: $10 driver license + $25 registration/plate (§28-4144(C)(2)(b)).
Registration reinstatement
Arizona
$25 registration/license-plate reinstatement on the FR (accident) path (§28-4144). For a no-insurance registration suspension, the consumer path is a…
Official source ↗Full details
$25 registration/license-plate reinstatement on the FR (accident) path (§28-4144). For a no-insurance registration suspension, the consumer path is a $50 fee plus current proof of insurance where prior-coverage proof can't be produced.
Penalties
No-insurance, first offense
Arizona
Minimum civil penalty $500 (1st violation), plus a 3-month suspension/restriction of driving privileges (§28-4135(E)(1)).
Official source ↗No-insurance, repeat offense
Arizona
2nd within 36 months: minimum $750 + 6-month suspension of license, registration, and plates. 3rd+ within 36 months: minimum $1,000 + 1-year…
Official source ↗Full details
2nd within 36 months: minimum $750 + 6-month suspension of license, registration, and plates. 3rd+ within 36 months: minimum $1,000 + 1-year suspension of license, registration, and plates, with SR-22 required on reinstatement (§28-4135(E)(2)-(3)).
DUI suspension
Arizona
1st DUI: 90-day administrative (Admin Per Se / implied-consent) suspension; the criminal §28-1381 conviction itself does not revoke on a 1st. 2nd…
Official source ↗Full details
1st DUI: 90-day administrative (Admin Per Se / implied-consent) suspension; the criminal §28-1381 conviction itself does not revoke on a 1st. 2nd within 84 months (§28-1381 or §28-1382): driving privilege revoked at least 1 year; special ignition-interlock restricted license possible after 45 days. Aggravated DUI (§28-1383, felony): revocation with no new license issued for at least 1 year (per §28-1385 period for the child-passenger variant). All convictions carry mandatory ignition interlock (§28-3319).
Michigan
suspension (1st offense, MCL 257.319(8)): OWI 0.08 (625(1)(a)/(b)) = 180-day suspension, no restricted license during the first 30 days; High-BAC…
Official source ↗Full details
suspension (1st offense, MCL 257.319(8)): OWI 0.08 (625(1)(a)/(b)) = 180-day suspension, no restricted license during the first 30 days; High-BAC 0.17 (625(1)(c)) = 1-year suspension, no restricted during the first 45 days, then restricted with ignition interlock (BAIID); OWVI (625(3)) = 90 days (180 if drug-related), restricted throughout; under-21 zero tolerance (625(6)) = 30 days (90 with a prior). A restricted license under 319(8) may NOT authorize CMV operation (319(15)). revocation (repeat/serious, MCL 257.303): 2 OWI within 7 years, or 3 within 10 years, or a single OWI causing serious injury/death -> revocation; minimum 1 year, or 5 years if a second revocation within 7 years (303(4)); indefinite, no automatic reinstatement. Restoration requires a DAAD hearing rebutting the habitual-offender presumption by clear and convincing evidence.
DUI fine range
Arizona
Standard DUI §28-1381: 1st = ≥$250 fine + two mandatory $500 assessments (~$1,250+ before surcharges), min 10 days jail (suspendable to 1 with…
Official source ↗Full details
Standard DUI §28-1381: 1st = ≥$250 fine + two mandatory $500 assessments (~$1,250+ before surcharges), min 10 days jail (suspendable to 1 with treatment); 2nd = ≥$500 + two $1,250 assessments, min 90 days jail. Extreme §28-1382: BAC 0.15-0.20 = ≥$250 + $250 abatement + two $1,000 assessments, min 30 days jail; super-extreme BAC ≥0.20 = ≥$500, min 45 days jail. Aggravated §28-1383 (felony): ≥$750 + $250 abatement + two $1,500 assessments, mandatory prison (4 or 8 months by priors).
Michigan
MCL 257.625 (OWI). 1st (subsec 9): misdemeanor, fine $100-$500 (or $200-$700 if High-BAC), up to 93 days jail (180 if High-BAC 0.17), up to 360 hrs…
Official source ↗Full details
MCL 257.625 (OWI). 1st (subsec 9): misdemeanor, fine $100-$500 (or $200-$700 if High-BAC), up to 93 days jail (180 if High-BAC 0.17), up to 360 hrs community service. 2nd within 7 years: $200-$1,000 + 5 days-1 yr jail or 30-90 days CS (non-suspendable). 3rd (2+ priors, lifetime lookback - 'Heidi's Law'): felony, $500-$5,000 + 1-5 yrs prison. OWVI (subsec 11): 1st up to $300 / up to 93 days, escalating. Under-21 zero tolerance (subsec 12): 1st up to $250 / 360 hrs CS. OWI causing death (subsec 4): felony up to 15 yrs (up to 20 if High-BAC+prior or emergency-responder death), $2,500-$10,000. Serious impairment (subsec 5): felony up to 5 yrs (up to 10 enhanced), $1,000-$5,000. Child under 16 aboard (subsec 7): enhanced - 1st misdemeanor $200-$1,000; 2nd+ felony. Thresholds: 0.08 standard, 0.17 High-BAC, 0.02 under-21. IID available (625k/625l); vehicle immobilization (904d)/forfeiture (625n) on repeats.
Driving while suspended
Arizona
Driving on a suspended, revoked, canceled, or refused license, or while disqualified, is a class 1 misdemeanor (§28-3473). Arizona's general class 1…
Official source ↗Full details
Driving on a suspended, revoked, canceled, or refused license, or while disqualified, is a class 1 misdemeanor (§28-3473). Arizona's general class 1 misdemeanor ceilings are up to 6 months jail and up to a $2,500 fine plus surcharges (ARS §13-707 / §13-802).
Michigan
MCL 257.904. 1st violation: misdemeanor, up to 93 days jail or up to $500, plus registration plates canceled (unless the vehicle was stolen or used…
Official source ↗Full details
MCL 257.904. 1st violation: misdemeanor, up to 93 days jail or up to $500, plus registration plates canceled (unless the vehicle was stolen or used without the owner's knowing permission). 2nd+ (after a prior): up to 1 year or up to $1,000; plates canceled. DWS causing death: felony up to 15 yrs, $2,500-$10,000; causing serious impairment: felony up to 5 yrs, $1,000-$5,000. The SOS imposes an additional like period of suspension on conviction (or 30 days if the suspension was indefinite; 904(10)/(11)); a 2nd+ DWS within 7 years triggers vehicle immobilization (904(17) -> 904d). Emergency life/property exception (904(15)).
CDL
CDL consequence
Arizona
Per §28-3312, MVD disqualifies a CDL: 1 year for a first major offense — test refusal (§28-1321), driving a CMV under the influence or with BAC…
Official source ↗Full details
Per §28-3312, MVD disqualifies a CDL: 1 year for a first major offense — test refusal (§28-1321), driving a CMV under the influence or with BAC ≥0.04, leaving the scene, using a vehicle in a felony, causing a fatality by negligent operation, driving a CMV while already disqualified, OR a regular DUI committed in a personal (non-commercial) vehicle (chapter 4, article 3 violation). 3 years if the offense occurred while hauling placarded hazmat. Lifetime for two or more such offenses (reducible to 10 years by rule). Permanent for a controlled-substance trafficking felony or a human-trafficking offense committed with a CMV. Out-of-service-order violations: 180 days / 2 years / 3 years. Railroad-crossing violations: 60 / 120 days / 1 year. Two serious traffic violations in 3 years = 60-day disqualification; three or more = 120 days. CDL alcohol threshold is 0.04. Disqualification begins 10 days after MVD logs the conviction.
Michigan
MCL 257.319b. 60 days: 2 serious traffic violations in 36 months. 120 days: 3 in 36 months. 1 year (first major offense): OWI (625), refusal of…
Official source ↗Full details
MCL 257.319b. 60 days: 2 serious traffic violations in 36 months. 120 days: 3 in 36 months. 1 year (first major offense): OWI (625), refusal of chemical test, leaving the scene, a felony in which a vehicle was used, operating a CMV while disqualified, or a fatality by negligent operation. 3 years: a major offense while the CMV carried placarded hazmat. lifetime (reissue eligible after not less than 10 years + SOS approval): a second major offense from separate incidents. lifetime, no reduction: a CMV used in a controlled-substance manufacture/distribution felony; a major offense after a 10-year reissue; or a terrorism-chapter conviction (MCL 750.543a-z). HazMat endorsement denied/revoked on a federal security-risk notice (USA PATRIOT Act). Out-of-service (319d(4)/319f): 180 days / 2 yrs / 3 yrs ladders. Important for CDL holders (319b(7)): a DUI / refusal / leaving-the-scene / vehicle-felony committed in a NON-commercial vehicle counts against the CDL identically. CDL alcohol threshold is 0.04 (set in 625m). Only post-Jan 1, 1990 violations count.