This content is powered by, a accredited indemnity producer ( NPN : 8781838 ) and a corporate affiliate of LLC services are alone available in states were it is licensed and insurance coverage through may not be available in all states. All policy products are governed by the terms in the applicable insurance policy, and all related decisions ( such as blessing for coverage, premiums, commissions and fees ) and policy obligations are the exclusive duty of the cover insurance company. The information on this site does not modify any policy policy terms in any room. is an mugwump, advertising-supported publisher and comparison service. We are compensated in exchange for placement of sponsor products and, services, or by you clicking on certain links posted on our web site. therefore, this recompense may impact how, where and in what order products appear within listing categories. other factors, such as our own proprietary web site rules and whether a product is offered in your area or at your self-selected credit score range can besides impact how and where products appear on this locate. While we strive to provide a wide image offers, Bankrate does not include data about every fiscal or credit product or military service. We ’ re guileless about how we are able to bring quality content, competitive rates, and useful tools to you by explaining how we make money. Bankrate follows a stern column policy, so you can trust that our message is dependable and accurate. Our award-winning editors and reporters create honest and accurate content to help you make the right fiscal decisions. The message created by our column staff is objective, factual, and not influenced by our advertisers.

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DUI laws in Michigan

Despite being a zero-tolerance state, Michigan has one of the highest DUI-related violations and crashes in the nation. The two categories of alcohol-related traffic violations in the state of matter are operating while under the influence ( OWI ) and operating while visibly afflicted ( OWVI ). The former is a more good conviction, normally resulting when a person drives after ingesting any illegal drugs or with a blood alcohol content of 0.08 percentage or higher.

There are unlike condemnable penalties for OWI violations in Michigan. For a first umbrage with no anterior DUI convictions in the last seven years, penalties can include imprison time of 93 days ( 180 days for lineage alcohol content higher than 0.17 percentage ), community service of up to 360 hours and fines between $ 100 and $ 500. The driver ’ s license may besides be suspended for 90 days. For repeated offenses, jail clock can be anywhere between one and five years, and up to $ 5,000 in fines. immobilization of the fomite is compulsory for perennial offenses, varying between six months and three years. Having a passenger under 16 in the fomite will call for extra penalties, normally an increase in imprison time and a few hundred dollars more in fines .

How a DUI affects your car insurance in Michigan

Being convicted of a DUI in Michigan has a long-run impact on your cable car indemnity policy. Since your driving history is one of the most important factors that is considered by insurers to set the agio, having a DUI on your record makes you a bad driver and results in higher than convention rates. cable car policy prices are all about risk – the greater the likelihood that you may cause an accident, the steeper your premiums will be. A hike in premiums after a DUI is normally inevitable. The home average rate for full coverage car indemnity is $ 1,674, and after a DUI conviction, this rate becomes $ 3,336. In comparison, Michigan ’ mho average car policy rate is $ 2,309, while the post-DUI price may be around $ 6,544. aside from the increased cost, some providers may besides refuse to renew your policy, and switching insurers could besides be difficult. To have your license reinstated, you will need your indemnity supplier to file an SR-22 for you with the DMV, which is a certificate of fiscal responsibility proving that you have the compulsory coverage. not all policy companies offer this avail, and you will need to turn to a different ship’s company to have your SR-22 phase filed if your current supplier is not desirable .

Finding car insurance after a DUI in Michigan

Getting low-cost coverage after a DUI or DWI in Michigan is indeed tough, but on the bright side, most major home insurers have options for bad drivers. Some of the policy companies that may offer competitive rates in Michigan after a DUI admit Progressive, USAA, State Farm, Auto-Owners and Travelers. Keep in judgment that Michigan is one of the most expensive states for cable car indemnity even for those with a immaculate drive record, and those with violations and accidents in their history typically pay several times more than the national average, although it is possible to save by practising safe driving habits and building a good phonograph record over time. Progressive offers some of the most low-cost rates for full coverage after a DUI in Michigan at around $ 2,067, while USAA follows closely at $ 2,126. The rates from State Farm are slightly higher at $ 2,481, while Auto-Owners and Travelers charge around $ 2,684 and $ 2,906 respectively after a DUI in Michigan. All of these insurers offer plenty of discounts that may help lower your premiums. Michigan is a zero-tolerance state and the DUI will remain on your record everlastingly, affecting indemnity coverage and premiums .

Car insurance company Average annual premium after a DUI
Progressive $2,067
USAA $2,126
State Farm $2,481
Auto-Owners $2,684
Travelers $2,906

Frequently asked questions

How does a DUI affect my criminal record in Michigan?

Since Michigan is a zero-tolerance state, a DUI conviction remains on your record for life. This can not entirely make it hard to get low-cost cable car policy but may besides prove to be a hindrance when renting apartments or applying for jobs in certain industries .

Do I need an SR-22 in Michigan?

If your license was revoked because of a DUI conviction, you need your indemnity company to file an SR-22 form for you to the DMV. This is a statement of fiscal province that will reinstate your license and allow you to drive again .

How do I lower insurance cost after a DUI?

By practising good drive habits and avail of discounts, it is potential to bring down your cost of car policy after a DUI in Michigan, although your driving history will still continue to be a factor .


Bankrate utilizes Quadrant Information Services to analyze 2021 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Quoted rates are based on a 40-year-old male and female driver with a clean drive record, good credit and the play along entire coverage limits :

  • $100,000 bodily injury liability per person
  • $300,000 bodily injury liability per accident
  • $50,000 property damage liability per accident
  • $100,000 uninsured motorist bodily injury per person
  • $300,000 uninsured motorist bodily injury per accident
  • $500 collision deductible
  • $500 comprehensive deductible

To determine minimum coverage limits, Bankrate used minimal coverages that meet each state of matter ’ sulfur requirements. Our base profile drivers own a 2019 Toyota Camry, change five days a workweek and drive 12,000 miles annually. These are sample rates and should merely be used for relative purposes. Incident: Rates were calculated by evaluating our foundation profile with the keep up incidents applied : clean commemorate ( basis ), at-fault accident, one rush ticket, single DUI conviction and lapse in coverage .

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