Progressive offers Michigan drivers with a DUI the most affordable rates, at $83 for state minimum coverage and $145 for full coverage per month. Auto-Owners, Pioneer State Mutual and Travelers also present competitive rates for those in similar circumstances.
DUI Car Insurance in Michigan
Updated: December 29, 2025
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Key Takeaways
Our research reveals Progressive as Michigan's cheapest car insurance provider if you have a DUI, at just $83 per month.
For drivers with good credit, the average monthly cost is $264 for state minimum coverage and $507 for full coverage with a DUI.
After a DUI in Michigan, you must file an SR‑22 and carry liability coverage of at least $50,000/$100,000/$10,000, along with mandatory no‑fault personal injury protection (PIP) and property protection insurance (PPI) coverage under state law.
Cheapest DUI Car Insurance in Michigan
| Progressive | $83 | $145 |
| Auto-Owners Insurance Co | $158 | $318 |
| Travelers | $195 | $487 |
| Pioneer State Mutual Ins Co | $204 | $405 |
| GEICO | $341 | $597 |
*Rates are for a 40-year-old driver with good credit insuring a 2012 Toyota Camry.
Compare Cheap Car Insurance With a DUI in Michigan
We understand that your profile may not match the ones we used for the table above. So we’ve broken down the cheapest car insurance for a DUI, tailored to your coverage level, age group and credit score for an affordable plan that suits you.
Data filtered by:
30-59
Good
State Minimum Liability Only
| Progressive | $83 | $994 |
| Auto-Owners Insurance Co | $158 | $1,897 |
| Travelers | $195 | $2,344 |
| Pioneer State Mutual Ins Co | $204 | $2,444 |
| GEICO | $341 | $4,096 |
*A 100/300/100 liability-only coverage represents the minimum policy offered by most insurers that can satisfy Michigan law for most drivers.
How Much Does DUI Car Insurance Cost in Michigan?
In Michigan, DUI car insurance costs around $3,164 per year, depending on your driver profile. A DUI can hike your rates by 221% on average. We’ve broken down average costs by coverage level, credit score, and age group to help you navigate your options.
Data filtered by:
30-59
Good
State Minimum Liability Only
| $264 | $3,164 | $182 | $2,178 | 221% |
*A 100/300/100 with no comprehensive and collision coverage represents the minimum coverage policy offered by most insurers that can satisfy Michigan law for most drivers.
HOW LONG DOES A DUI AFFECT CAR INSURANCE IN MICHIGAN?
Michigan's DUI record retention lasts up to 10 years, with SR-22 filing requirements extending four years post-conviction. Insurers raise rates for violations dating back seven years, though premium impacts persist throughout the full decade. Insurance costs spike immediately and stay elevated for years.
Additional Costs to Consider When Having a DUI in Michigan
Higher car insurance rates grab attention after a DUI, but the offense triggers numerous overlooked expenses:
- Fines and court costs. First-offense Michigan DUI (officially "operating while intoxicated" or OWI) fines run $500 to $1,200. High BAC readings or repeat offenses push fines past $2,000, with felony-level cases reaching several thousand dollars. Administrative and victim-assistance fees add to the total.
- Probation and substance screening. First-time offenders complete six to 18 months of probation, while repeat or high-BAC cases extend 12 to 24 months. Monthly supervision runs $40 to $60, plus substance use assessments costing $125 to $150.
- Towing and impound charges. DUI arrests trigger towing fees of $100 to $300, plus storage fees hitting $45 daily. Unclaimed vehicles within the required timeframe become subject to forfeiture.
- Ignition interlock device (IID). Michigan mandates IID installation for certain drivers for at least one year post-conviction. Installation runs $100 to $200, with monthly rental and monitoring fees of $70 to $100. Low-income drivers may qualify for reduced rates.
- License reinstatement. Restoring driving privileges costs $125 to $150 paid to the Michigan Secretary of State, plus additional administrative fees.
- Attorney fees and accident-related costs. DUI attorney representation runs $2,000 to $7,000 depending on case complexity. Accidents add medical bills, property damage and other civil expenses to driver responsibility.
Michigan DUI Car Insurance Requirements
After a DUI in Michigan, you must file an SR‑22 and maintain at least $50,000 bodily injury per person, $100,000 per accident, and $10,000 property damage liability coverage. You are also required to carry no-fault PIP and PPI. The SR‑22 typically remains on your record for four years, and any lapse restarts the filing period.
Other Michigan DUI Laws To Know
Michigan requires SR-22 filings and minimum coverage auto insurance, with specific laws to follow.
Fines
First-time DUI offenders with a BAC under 0.17 face up to $500 in fines, while high-BAC (≥ 0.17) or repeat offenders can be fined up to $700 or more, plus a $1,000 annual driver responsibility fee for two consecutive years, totaling $2,000.
Imprisonment and release
A first-time OWI can result in up to 93 days in jail or 360 hours of community service. Severe or repeat offenses may lead to 180 days behind bars and extended probation ranging from six to 24 months. Probation may include conditions like monitored sobriety or weekly reporting.
Impounding of vehicles
Michigan law allows authorities to impound your vehicle following a DUI arrest. Towing typically runs $100 to $300, with daily storage fees reaching $45 per day. In some cases, the state may permanently seize your vehicle.
Suspension periods
First-time offenders face a hard suspension of 45 days, followed by a restricted (interlock) license for a year. Refusing a breath test can trigger up to one year of suspension, with no restricted license eligibility for 90 days.
DUI Education Requirements
Anyone convicted must attend a certified treatment or education program; first offenders with high BAC may also be ordered into long-term alcohol treatment. These programs are mandatory before license reinstatement.
Ignition interlock device (IID)
For BAC ≥ 0.17 or refusal, you're required to install an IID after a 45-day suspension, and may drive only with the device for at least one year. Installation costs $100 to $200 with monthly monitoring fees of $70 to $100; rates are capped at around $60/month for low-income drivers.
How to Get the Best Cheap Michigan Car Insurance With a DUI
Affordable DUI car insurance in Michigan requires strategic shopping. These tips help secure better rates:
- 1Know Your Coverage Needs
Michigan DUI convictions increase mandatory coverage requirements and make optional protections more valuable. Income, driving patterns and location determine appropriate coverage levels. The auto insurance coverage calculator provides personalized recommendations.
- 2Review Costs and Discounts
Average Michigan car insurance rates for DUI drivers establish baseline expectations. DUI-specific discounts don't exist, but online quotes and early enrollment create savings opportunities. State-approved driver improvement courses reduce premiums and remove points from driving records.
- 3Compare Different Providers
Quote requests from multiple companies using identical coverage levels reveal the best available rates. Rate comparison delivers the most reliable path to affordable post-DUI insurance.
- 4Look Into Michigan’s High-Risk Insurance Program
Standard insurer denials trigger MAIPF eligibility. The Michigan Automobile Insurance Placement Facility accepts high-risk drivers with DUI convictions. The program maintains insurance coverage when standard markets close.
- 5Adjust Your Lifestyle or Vehicle Choice
Credit score improvements reduce premiums despite DUI convictions. Michigan's rate gap between good and poor credit creates significant savings opportunities. Vehicle selection and credit building cut insurance costs substantially.
- 6Explore Alternative Coverage Options
Annual mileage under 7,000 qualifies drivers for pay-per-mile plans with substantial savings. Usage-based insurance tracks driving behavior through apps or devices, rewarding safe habits with discounts reaching 40%.
Cheap DUI Insurance in Michigan: Bottom Line
For Michigan drivers with a DUI, Progressive, Auto-Owners and Travelers are the most affordable car insurance providers. While these are the top picks from our research, we advise you to personally compare rates, assess coverage needs, and research costs to ensure you secure the best deal.
DUI Insurance in Michigan: FAQ
Find expert answers to common questions about DUI insurance in Michigan below.
Who has the cheapest car insurance for Michigan drivers with a DUI?
The cheapest car insurance for Michigan drivers with a DUI is Progressive for both full coverage and state minimum coverage.
How much does a DUI increase rates in Michigan?
A DUI in Michigan can increase your rates by 221% for state minimum coverage and 206% for full coverage.
How much does DUI car insurance in Michigan Cost?
In Michigan, minimum coverage average rates for DUI car insurance is $264 monthly, while full coverage costs is around $507 per month.
How We Chose the Cheapest Car Insurance for Michigan's DUI Drivers
To determine the top companies for drivers with DUIs in Michigan, MoneyGeek analyzed each company's financial stability, customer satisfaction, claims and affordability based on data from state insurance departments and Quadrant Information Services.
The rates above reflect a 40-year-old male with and without a DUI driving a 2012 Toyota Camry LE with 12,000 annual miles. We modified this base profile to create the other profiles presented.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. He has analyzed the insurance market for over five years, conducting original research for insurance shoppers. His insights have been featured in CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
He writes about economics and insurance, breaking down complex topics so people know what they're buying.
sources
- MAIPF. "Michigan Automobile Insurance Placement Facility (MAIPF)." Accessed June 26, 2025.