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: July 13, 2025
Advertising & Editorial Disclosure
Key Takeaways
Our research reveals Progressive as Michigan's cheapest DUI car insurance provider 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:Results filtered by:
Select
Age Range:30-59
Select
Credit Score:Good
Select
Coverage Level: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:Results filtered by:
Select
Age Range:30-59
Select
Credit Score:Good
Select
Coverage Level: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?
After a DUI in Michigan, you must maintain an SR-22 for four years, and your conviction remains on your record for up to 10 years. Most insurers apply rate hikes based on violations within the past seven years, although a DUI can influence pricing for the full decade. Expect your premiums to climb sharply, with elevated rates lasting up to seven years after the offense.
Additional Costs to Consider When Having a DUI in Michigan
It's well-known that a DUI can lead to higher car insurance rates, but the additional costs associated with this driving violation are often overlooked. Below, we've broken down a complete list of considerations:
- Fines and court costs. For a first offense, Michigan DUI (technically operating while intoxicated or “OWI”) fines generally fall between $500 and $1,200, with enhanced penalties for high BAC or repeat offenses rising to $2,000 or more. Felony-level OWIs can result in several thousand dollars in fines. Courts also apply administrative and victim-assistance fees that raise the total cost.
- Probation and substance screening. Most first-time offenders serve probation for 6 to 18 months, while high-BAC or repeat offenders may face 12 to 24 months. Monthly probation supervision typically costs $40 to $60, plus a substance use assessment fee of around $125 to $150.
- Towing and impound charges. Vehicles towed after a DUI arrest usually incur $100 to $300 in towing fees and up to $45 per day in storage. The car may be forfeited if it isn’t claimed within a specific timeframe.
- Ignition interlock device (IID). Michigan requires IIDs for at least one year after certain DUI convictions. Installation fees typically range from $100 to $200, with monthly rental and monitoring costs between $70 and $100. Low-income individuals may qualify for reduced rates.
- License reinstatement. To regain your driving privileges, you’ll pay a reinstatement fee of approximately $125 to $150 to the Michigan Secretary of State and possibly additional administrative costs.
- Attorney fees and accident-related costs. Hiring a DUI attorney can cost anywhere from $2,000 to over $7,000, depending on the case's complexity. If the DUI involved an accident, you’ll also be responsible for medical bills, property damage, and civil liability.
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
Looking for affordable DUI car insurance in Michigan? Below, we've highlighted key tips to secure a good deal.
- 1
Understand your needs
Following a DUI in Michigan, your coverage requirements increase, but that doesn’t mean you should skip optional protections. Evaluate your income, driving habits, and location to decide if extra coverage fits your situation. We also provide an auto insurance coverage needs calculator to help you begin.
- 2
Research costs and discounts
Start by checking the average car insurance rates in Michigan for drivers with a DUI. While insurers don’t offer DUI-specific discounts, you may still qualify for savings by requesting quotes online or signing up early. Michigan also offers state-approved driver improvement courses, which can sometimes help reduce premiums or points on your record.
- 3
Compare multiple providers
Comparing rates across several companies using identical coverage levels helps you identify the best-value policy for your situation. Shopping around is key to securing an affordable rate after a DUI.
- 4
Use state high-risk car insurance programs if denied
If standard insurers reject your application, Michigan participates in the Michigan Automobile Insurance Placement Facility (MAIPF). This program helps high-risk drivers, including those with DUIs, find coverage when they can’t get it elsewhere.
- 5
Make lifestyle or vehicle changes
Raising your credit score can lead to lower premiums, even with a DUI on record. In Michigan, the rate difference between good and poor credit can be significant. You can also cut costs by switching to a cheaper car to insure or focusing on ways to increase your credit score.
- 6
Consider non-traditional coverage types
If you drive fewer than 7,000 miles annually, a pay-per-mile insurance plan could save you money. Usage-based discounts, which track your driving habits via an app or device, may offer up to 40% in savings for safe drivers.
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. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like 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!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.
sources
- MAIPF. "Michigan Automobile Insurance Placement Facility (MAIPF)." Accessed June 26, 2025.