Getting Car Insurance After a DUI in Michigan: Everything You Need to Know

If you get your driver’s license suspended or revoked for a DUI violation in Michigan, your car insurer may drop your policy. If the insurer renews your policy, expect your premiums to increase significantly. Car insurance for DUI offenders in Michigan costs an average of $10,838 per year for a full coverage policy. This is 164% more than the average annual cost for drivers without a DUI, which is $4,104.

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Last Updated: 11/3/2022

If you need affordable car insurance in Michigan after a DUI, Progressive is the cheapest widely available option for full coverage while Nationwide is the cheapest for minimum coverage. Auto-Owners Insurance is the best car insurance for someone with a DUI in Michigan for both full coverage and minimum coverage policies.

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Best Companies for DUI Insurance in 2022

In Michigan, your driver’s license may get suspended after a DUI conviction. You may also get dropped by your car insurance company since many auto insurers choose not to provide coverage for drivers with violations like DUIs. In case your insurance provider opts to renew your policy after a DUI, you will pay significantly higher rates. Drivers with a DUI in Michigan pay up to 164% more for car insurance compared to drivers without a DUI.

Car insurance after a DUI conviction in Michigan is much more expensive because drivers with DUIs are considered more likely to get into crashes. This means that the insurer has to increase rates because of the higher risk of claims involved.

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Cheapest Car Insurance Companies in Michigan After a DUI

Nationally, State Farm and Progressive offer the cheapest car insurance after a DUI, but the most affordable providers in your state may vary. If you have a DUI in Michigan, Progressive is the cheapest option for full coverage while Nationwide is the cheapest for minimum coverage. USAA can also be a cheap option for you if you have a military background.

Cheapest Companies for Full Coverage in Michigan After a DUI

In Michigan, the most affordable auto insurers for full coverage insurance after a DUI are:

  • Progressive: $3,071 per year
  • Nationwide: $3,285 per year

If you have a military background, you may qualify for a USAA full coverage policy, which is the cheapest option overall in Michigan at an average of $1,911 per year.

Cheapest Car Insurance for Full Coverage After a DUI

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  • Rank
    Company
    Annual Premium
  • 1
    USAA
    $1,911
  • 2
    Progressive
    $3,071
  • 3
    Nationwide
    $3,285
  • 4
    Esurance
    $4,646
  • 5
    MetLife
    $4,647

Cheapest Companies for Minimum Coverage in Michigan After a DUI

In Michigan, the cheapest car insurers for minimum coverage car insurance for drivers with a DUI violation are:

  • Nationwide: $943 per year
  • Progressive: $2,197 per year

USAA is the second cheapest choice for minimum coverage in Michigan at $1,137 per year on average, but you need to have a military background to qualify for this policy.

Cheapest Car Insurance for Minimum Coverage After a DUI

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If you have a DUI, the cheapest car insurance option is a minimum coverage policy. Minimum coverage policies meet all the requirements set by Michigan car insurance laws. However, the limits set by the state may not necessarily offer sufficient protection, so it is important to figure out how much car insurance coverage you need before choosing a minimum coverage policy.

Top Car Insurance Companies in Michigan After a DUI

MoneyGeek ranked the best car insurance companies for DUI in Michigan based on affordability, customer satisfaction and financial stability ratings. Our analysis found that Auto-Owners Insurance is the best company for both full coverage and minimum coverage policies for drivers with DUI violations in Michigan.

Best Companies for Full Coverage in Michigan After a DUI

The best car insurance providers offer a balance of affordability and quality service. MoneyGeek’s analysis found that Auto-Owners Insurance and Nationwide are the best companies for full coverage in Michigan after a DUI.


1
Auto-Owners Insurance CoBest full coverage after a DUI
Score:4.3

4.2/5

Affordability

5/5

Financial Stability

4/5

User Satisfaction

4.5/5

Claims

Geek Quick Take
Geek Quick Take

A full coverage policy from Auto-Owners costs an average of $2,299 in Michigan for a driver without a DUI. On the other hand, you will pay about $5,269 per year if you have a DUI, which is 129% more.

More About Auto-Owners Insurance Co

Auto-Owners has excellent complaints ratings and financial stability scores. It is also relatively affordable for drivers with violations. Auto-Owners has unique coverage options like diminished value coverage.

2
Nationwide
Score:4.3

4.7/5

Affordability

4.5/5

Financial Stability

4/5

User Satisfaction

4/5

Claims

Geek Quick Take
Geek Quick Take

Nationwide’s full coverage policy costs an average of $2,561 per year for a driver without a DUI. If you have a DUI violation, you will pay 28% more at $3,285 per year on average.

More About Nationwide

Nationwide ranks well for complaints and financial stability but it does not offer many unique discounts. This provider has unique coverage options including identity theft and total loss deductible waiver.

Best Companies for Minimum Coverage in Michigan After a DUI

In Michigan, Auto-Owners Insurance and Nationwide are the best companies for minimum coverage car insurance after a DUI. While minimum coverage policies may be the most affordable option, they may not necessarily offer sufficient coverage for most drivers.


1
Auto-Owners Insurance CoBest minimum coverage after a DUI
Score:4

5/5

Stability

4/5

Satisfaction

5/5

Claims

4/5

Affordability

Geek Quick Take
Geek Quick Take

A minimum coverage car insurance policy from Auto-Owners costs an average of $1,430 per year. If you have a DUI, you will pay 132% more at $3,332 per year on average.

More About Auto-Owners Insurance Co

Auto-Owners Insurance ranks highly for complaints response, affordability and financial stability. This provider offers unique discounts such as early signing discounts for new policyholders. You can also get unique optional coverages like diminished value coverage.

2
Nationwide
Score:4

5/5

Stability

4/5

Satisfaction

4/5

Claims

5/5

Affordability

Geek Quick Take
Geek Quick Take

Michigan drivers with a DUI pay an average of $943 per year for minimum coverage with Nationwide. This is 21% more than the rate for drivers without a DUI, which is an average of $774 per year.

More About Nationwide

Nationwide has a good complaints and financial stability record. While it ranks moderately on affordability, it offers various discounts like bundling and defensive driving, which can make your policy cheaper. Nationwide also offers optional coverages like mechanical breakdown assistance.

How Much Does Car Insurance Cost in Michigan After a DUI?

In Michigan, the cost of car insurance with a DUI is $10,838 per year on average, 164% higher than the cost of car insurance without a DUI at an average of $4,104 per year. Drivers with DUIs are placed under a high-risk category so insurers charge more for car insurance since they are more likely to get into accidents.

You can see how rates of full coverage car insurance vary before and after a DUI in Michigan below.

How long does a DUI affect the cost of your car insurance?

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Average Cost

Full Coverage

$4,104
insurance2
Average Cost with DUI

Full Coverage

$10,838
Full coverage policy premiums after a DUI cost:$6,734 more

This is 164% more expensive.

In Michigan, the cost of your car insurance can increase by up to 164% following a DUI violation since you will be considered a high-risk driver. You can use MoneyGeek’s car insurance calculator to get a personalized car insurance estimate based on your profile.

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Drivers in Michigan with a DUI on record incur more costs than just high car insurance premiums. If you have a DUI, some of the other financial implications of a DUI conviction include:

  • Fines, court and attorney fees: DUI convictions usually require payment of a fine. You will also incur court fees and attorney fees if you hire a lawyer to help you with the legal process.
  • Towing and impound fees: After a DUI arrest, your car will be towed and impounded, so you will need to pay the associated charges.
  • Drug education and treatment: You may be required to attend an alcohol or drug education program for a certain length of time following a DUI.
  • DMV reinstatement fee: If your driver’s license is suspended after your driving conviction, you will need to pay a DMV reinstatement fee to get it reinstated.

Getting Car Insurance in Michigan After a DUI

Your car insurance provider may choose to drop you after a DUI conviction in Michigan. This is because insurance companies are private businesses, so by law, they cannot be required to cover high-risk drivers. Lookback periods may also make it difficult to get car insurance with a DUI since the violation stays on your record for seven years or more.

It is still possible to get car insurance after a DUI in Michigan, although you may have to pay higher rates. You can compare quotes from different providers to find the cheapest options for your profile. You can look up the best car insurance for high-risk drivers to find the cheapest and best options available for drivers with violations such as DUIs.

If you have a DUI violation in Michigan, the state requires you to file SR-22 insurance as proof that you have a policy that meets the state’s minimum car insurance requirements. SR-22 insurance in Michigan is similar to traditional car insurance. However, you will pay higher rates for car insurance if you need to file an SR-22 since insurance providers will consider you a high-risk driver.

Michigan DUI Laws

A DUI is a serious offense that can carry multiple legal repercussions, in addition to you incurring higher car insurance costs. In Michigan, you risk incurring fines, having your license suspended and, in some cases, jail time. MoneyGeek broke down Michigan DUI laws to help you understand the legal repercussions of a DUI.

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    Driving with a BAC at or above 0.08% is considered a DUI in Michigan

    In Michigan it's an offense to drive with a Blood Alcohol Concentration (BAC) above 0.08%. You may still get arrested even if your BAC is below 0.08% if the authorities determine that you are unable to drive properly.

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    Driving with a BAC of 0.17% will result in increased penalties

    Offenders with a BAC equal or greater than 0.17% are required to install an ignition interlock device on their vehicle. They may also face imprisonment of up to 180 days and a fine ranging from $200 to $700.

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    30 to 180 days administrative license suspension on first offense

    For your first DUI offense in Michigan, your driving license may be suspended for a period ranging from 30 to 180 days.

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    Limited driving privileges after 45 days

    After 45 days of suspension, you can get limited driving privileges that limit you to driving for specified periods.

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    Ignition interlocks are mandatory for repeat offenders and BAC levels higher than 0.17

    In Michigan, ignition locks are mandatory for BAC levels higher than 0.17 and for repeat DUI convictions.

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    Open container laws

    Michigan's open container law forbids drivers and passengers from carrying any open alcohol containers.

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    Repeat offender laws

    Repeat DUI offenders in Michigan risk incurring harsh penalties including mandatory ignition interlocks, registration denial and license plate confistication.

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Frequently Asked Questions

MoneyGeek answered some commonly asked questions to help you learn more about car insurance after a DUI in Michigan.

Methodology

To determine the top companies for individuals with DUIs in Michigan, MoneyGeek analyzed each company’s financial stability, customer satisfaction, claims and affordability based on data and information obtained from state insurance departments and Quadrant Information Services. The rates above are based on a 40-year-old male with and without a DUI driving a 2010 Toyota Camry LE with 12K annual mileage.

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