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Cheap DUI Car Insurance in Michigan (With Quotes)
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| Reviewed by licensed insurance agent, Amber Benka
Last Updated March 9, 2022
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Best DUI Insurance Companies in Michigan (2022)
For drivers with a DUI or DWI offense in Michigan, it’s important that you evaluate all of your potential insurance options to ensure you are finding the best rate. Comparing the right insurance companies after this incident will allow you to get the best possible insurance rate after a DUI.
To simplify comparing companies, Insurify has analyzed rates from top insurance providers in Michigan. The following are the best insurance rates from carriers that offer car insurance for drivers with a DUI in Michigan.
| Carrier | Avg. Monthly Cost |
|---|---|
| Arrowhead | $423 |
| Liberty Mutual | $536 |
| American Family Insurance | $809 |
DUI Car Insurance Costs in Michigan
In Michigan, a DUI or DWI offense will on average have drivers paying $1,200 per month and $14,400 per year for their car insurance rates.
Compared to drivers with a clean driving record, that is on average an 150% increase on car insurance rates for drivers with a DUI. So in order, to find an affordable monthly rate after a DUI, comparison tools like Insurify become essential to finding the best rate.
Avg. Monthly Cost - No Violation$480
Avg. Monthly Cost - After DUI$NaN
$720 ▴
150.00% ▴
Monthly Impact of DUI on Rates
Percent Bad DUI Impact Rates
Insurify's comparison tool will help you make sure you're getting the best possible quote even after a DUI. You can have peace of mind that you're reviewing all of your available insurance options and can confidently choose the one that is best for your situation.
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How Much Does a DUI Impact Car Insurance Rates in Michigan?
When you begin shopping for insurance policies in Michigan after a DUI, you'll find premiums to be incredibly high. Rates here increase by 150 percent after such high-risk behavior.
How much are post-DUI premiums exactly? Drivers should anticipate rates to go up by as much as $720 per month on average. This means a monthly bill of around $1,200. Though these are averages, being familiar with these figures should help you home in on a good deal when you see one.
| No Violation - Avg. Monthly Rate | After DUI - Avg. Monthly Rate | Average Percent Increase After DUI |
|---|---|---|
| $480 | $1,200 | 150.00% |
What Are the Average Car Insurance Prices After a DUI in Michigan?
After a DUI, drivers can expect to pay $1,200 per month in premiums. If that sounds high to you, that's because it is! Michigan is the most expensive state in the country for insurance after a DUI. Keep this in mind as you shop around.
One way to keep insurance rates low is to increase your deductible. Or you can opt to have only the state minimum coverage. Keeping a clean record for the next several years will enable insurance companies to recalculate your rates.
| Michigan After DUI Avg. Monthly Rate | Most Expensive State for DUI (1-50) |
|---|---|
| $1,200 | 1st |
How Long Is the Lookback Period for a DUI in Michigan?
When you are faced with a DUI conviction, courts look back over your record for a certain period to count DUI offenses as relevant to sentencing. Michigan has two lookback periods, depending on the offense.
The second time you get a DUI, the lookback period is seven years. If you have a first offense within that same seven years, the second DUI is treated with substantially harsher penalties. Michigan has a lifetime lookback period for third and subsequent offenses.
Michigan DUI Penalties
Michigan drivers face jail time, fines, and driver's license suspension after a DUI. Each time you get a DUI conviction, enhanced penalties apply.
First-time offenders face up to 93 days in jail and $1,500 in fees and fines. Penalties also include up to 360 hours of community service and six points added to their driving record. Some drivers may even have to install an ignition interlock device.
Compare Top Auto Insurance Companies
Use Insurify for all of your car insurance comparison needs! Compare and connect directly with the top insurance companies to find the best rates as well as the most personalized discounts and coverage options. Insurify’s network includes over 200 insurance companies throughout the U.S. who can work with you to get you the right auto insurance policy at the cheapest price. See All Auto Insurance Companies
FAQs - Michigan Car Insurance
There are many different factors that go into the how expensive your car insurance is. That said, some of the reasons why you could be paying so much for your insurance include: living in a state with high minimum insurance requirements, being a young or new driver, committing past traffic offenses like at-fault accidents or DUIs, and having a low credit score.
Auto insurance costs will vary between locations and insurance carriers, depending on the county Michigan. Insurify analyzed the latest data for the five most populous cities in Michigan to find you the cheapest quotes in each of these metropolitan areas.
The way to find the carrier with the best auto insurance ratings in Michigan and save on your insurance premiums is to compare quotes from all companies in your area. Use a car insurance quotes comparison site like Insurify to compare up to 10+ real quotes for your specific driver profile and unlock savings and discounts. Rates can fluctuate greatly based on whether you're a safe driver or a high risk one, but you should never overpay. Insurify provides the cheapest car insurance quotes and companies in your area in just a few seconds.
During the past three years in the United States, national premium costs have risen an average of 4.5 percent annually. In states where quotes have risen, this figure has been 7.8 percent; and in those where rates have fallen, prices have decreased by approximately 6.0 percent. Individual rates by state will of course vary depending on the driver’s history and a multitude of factors.
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Methodology
The car insurance quotes displayed are based on an analysis of Insurify’s database of over 40 million quotes from 500 ZIP codes nationwide. To obtain representative rates, Insurify’s data science team performs frequent comprehensive analyses of the factors car insurance providers weigh to calculate rates including driver demographics, driving record, credit score, desired coverage level, and more.
Insurify’s analysis also incorporates the Insurify Composite Score (ICS) assigned to each insurance provider. The ICS is a proprietary rating that weighs multiple factors reflecting the quality, reliability, and health of an insurance company. Ratings used to calculate the ICS include Financial Strength Ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings; Consumer Reports customer satisfaction surveys and customer complaints; mobile app reviews; and user-generated company reviews.
With the above insights and ranking methods, Insurify is able to offer car insurance shoppers insight into how various insurance providers compare to one another in terms of both cost and quality. Note, actual quotes will vary based on unique attributes including the policyholder’s driver history and their garaging address.
Content Writer at Insurify
Jeannette Wisniewski is a technology writer whose passion is encouraging people to engage with technology by making it more understandable and more interesting. Though she enjoys writing business copy for a wide range of subjects, she is most inspired by emerging tech and its applications. She is a graduate of San Jose State University, a Georgia Peach at heart, and happy to call Boise, ID home.
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