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: November 7, 2025
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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:
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?
In Michigan, a DUI stays on your record for up to 10 years and you’re required to carry an SR-22 for four years. Most insurers increase rates for violations within the past seven years, but a DUI can still impact your premiums for the entire decade. Expect your insurance costs to rise and remain high for many years after the offense.
Additional Costs to Consider When Having a DUI in Michigan
It’s no secret that a DUI leads to higher car insurance rates, but many drivers overlook the other expenses that come with this offense. Here’s a breakdown of the common costs:
- Fines and court costs. For a first offense, Michigan DUI (officially called operating while intoxicated or “OWI”) fines range from $500 to $1,200. High BAC or repeat offenses raise fines to $2,000 or more, while felony-level cases reach several thousand dollars. Courts also include administrative and victim-assistance fees, adding to the total cost.
- Probation and substance screening. First-time offenders serve probation for six to 18 months, while repeat or high-BAC cases last 12 to 24 months. Supervision costs about $40 to $60 per month and a substance use assessment adds another $125 to $150.
- Towing and impound charges. After a DUI arrest, towing fees range from $100 to $300, with storage fees of up to $45 per day. Vehicles not claimed within the required timeframe are subject to forfeiture.
- Ignition interlock device (IID). Michigan requires certain drivers to use an IID for at least one year after conviction. Installation costs $100 to $200 and monthly rental and monitoring fees range from $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, along with any additional administrative fees.
- Attorney fees and accident-related costs. Hiring a DUI attorney costs between $2,000 and $7,000, depending on the complexity of the case. If an accident occurred, drivers are responsible for medical bills, property damage and other civil expenses.
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.
- 1Know Your Coverage Needs
After a DUI in Michigan, your coverage requirements increase, but it’s still worth adding optional protections. Review your income, driving habits, and location to decide what coverage fits best. Use our auto insurance coverage calculator to help you get started.
- 2Review Costs and Discounts
Check average car insurance rates in Michigan for drivers with a DUI. While there are no DUI-specific discounts, savings are still possible by getting quotes online or signing up early. Michigan also offers state-approved driver improvement courses that help lower premiums or remove points from your record.
- 3Compare Different Providers
Request quotes from several companies using the same coverage levels to identify the best deal. Comparing rates remains the most effective way to secure affordable insurance after a DUI.
- 4Look Into Michigan’s High-Risk Insurance Program
If standard insurers deny your application, the Michigan Automobile Insurance Placement Facility (MAIPF) provides coverage for high-risk drivers, including those with a DUI. This program helps keep you insured when other options aren’t available.
- 5Adjust Your Lifestyle or Vehicle Choice
A higher credit score often results in lower premiums, even with a DUI on record. In Michigan, the rate gap between good and poor credit is wide. Choosing a less expensive car to insure or continuing to build your credit also helps reduce costs.
- 6Explore Alternative Coverage Options
Drivers who travel fewer than 7,000 miles a year save more with pay-per-mile plans. Usage-based insurance, which tracks driving through an app or device, rewards safe drivers with discounts of up to 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. 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!
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.