Cheap DUI Car Insurance in Michigan:
Costs and Quotes (2021)

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Best DUI Insurance Companies in Michigan (2021)

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.

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 ViolationAvg. Monthly Cost - After DUI
$720 ▴Monthly Impact of DUI on Rates
150.00% ▴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.

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.

Average Percent Increase After DUI

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.

Most Expensive State for DUI (1-50)

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.

Top Auto Insurance Companies

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.

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FAQs - Michigan Car Insurance

Why is car insurance so expensive in Michigan?

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.

Do car insurance rates vary by county in Michigan?

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.

Which providers have the best auto insurance ratings in Michigan?

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.

How much do annual auto insurance rates increase in Michigan?

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.

Insurify Rate Comparison Methodology

The car insurance quotes, statistics, and data visualizations on this page are derived from Insurify’s proprietary database of over 4 million car insurance applications from ZIP codes across the United States. Insurify’s data science team performs a comprehensive analysis of the various factors car insurance providers take into account while setting rates to provide readers insight into how car insurance quotes are priced.