Updated: November 21, 2024
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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.
For affordable full coverage car insurance in Michigan after a DUI, Progressive is the cheapest option at $3,071 per year, followed by Nationwide at $3,285 per year.
In Michigan, the top two cheapest providers for minimum coverage car insurance after a DUI are Nationwide at $943 per year and USAA at $1,137 per year, though USAA is only available to those with a military background.
In Michigan, Auto-Owners Insurance is the top choice for individuals with a DUI seeking full coverage car insurance, offering a strong balance of affordability, customer satisfaction, and stability, despite not being the absolute cheapest option, with rates available upon inquiry.
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.
Ensure you are getting the best rate for your insurance. Compare quotes from the top insurance companies.
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.
In Michigan, the most affordable auto insurers for full coverage insurance after a DUI are:
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.
| 1 | USAA | $1,911 |
| 2 | Progressive | $3,071 |
| 3 | Nationwide | $3,285 |
| 4 | Esurance | $4,646 |
| 5 | MetLife | $4,647 |
In Michigan, the cheapest car insurers for minimum coverage car insurance for drivers with a DUI violation are:
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.
| Nationwide | $943 |
| USAA | $1,137 |
| Progressive | $2,197 |
| MetLife | $2,799 |
| Mercury | $3,210 |
| Auto-Owners Insurance Co | $3,332 |
| Esurance | $3,838 |
| GEICO | $8,851 |
| Hanover | $8,923 |
| State Farm | $9,104 |
| Farmers | $12,465 |
| Travelers | $13,889 |
| Allstate | $18,456 |
| AAA | $21,634 |
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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?
Different states have different lookback periods for DUI violations. A lookback period is the length of time that a DUI will remain on your driving record. Michigan has a lookback period of 7 years for the first and second offenses, but third and subsequent DUI convictions have a lifetime lookback period. States usually enact lookback periods to help identify repeat DUI offenders.
Full Coverage
$4,104
Full Coverage
$10,838This 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.
MoneyGeek's car insurance calculator will give you a customized estimate of your auto insurance cost. It's free to use, requires no personal information and we won't send you any spam.
Rates updated:
Nov 21, 2024
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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:
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.
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.
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.
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.
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.
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.
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.
Open container laws
Michigan's open container law forbids drivers and passengers from carrying any open alcohol containers.
Repeat offender laws
Repeat DUI offenders in Michigan risk incurring harsh penalties including mandatory ignition interlocks, registration denial and license plate confistication.
MoneyGeek answered some commonly asked questions to help you learn more about car insurance after a DUI in Michigan.
Your car insurance provider may continue to cover you if you get a DUI in Michigan, but they have the liberty to also deny you coverage. In cases where the insurer opts to continue coverage, you will incur higher premiums after a DUI violation.
Car insurance premiums in Michigan increase by up to 164% after a DUI. This means you will pay significantly higher premiums for car insurance with a DUI compared to a driver with no violations.
The cheapest car insurance company for full coverage car insurance after a DUI in Michigan is Progressive, while Nationwide is cheapest for a minimum coverage policy. Auto-Owners Insurance is the best company overall for car insurance after a DUI in Michigan.
In Michigan, a DUI will affect your car insurance premiums for up to 7 years since that is the lookback period that a DUI violation stays on your driving record in the state of Michigan.
Drivers with a DUI in Michigan can get car insurance by comparing quotes and coverages from different providers. To find the cheapest options, it is best to shop around since rates can be costly after a DUI.
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.
About Mark Fitzpatrick
Mark Fitzpatrick is a Licensed Property and Casualty Insurance Producer and MoneyGeek's Head of Insurance. He has analyzed the insurance market for over five years, conducting original research and creating personalized content for every kind of buyer. He has been quoted in several insurance-related publications, including CNBC, NBC News and Mashable.
Fitzpatrick earned a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his knowledge of economics and insurance to bring transparency around financial topics and help others feel confident in their money moves.
