DUI Car Insurance in Michigan (2026)

Driving under the influence (DUI) doesn’t just come with legal consequences. It can also send your insurance rates soaring. In Michigan, the most affordable liability-only car insurance for drivers with a DUI conviction starts at around $102 per month.

On average, Michigan drivers see their premiums increase by about 83% following a DUI, with annual costs rising from about $2,784 to $5,100. This increase is because insurance companies classify drivers with a DUI as high risk and more likely to have future claims.

Here’s what you need to know about finding car insurance with a DUI in Michigan.

Cheapest car insurance quotes after a DUI in Michigan

After getting a DUI in Michigan, finding affordable car insurance can be a challenge. But some insurance companies offer more competitive rates than others. The table below shows the cheapest car insurance companies in Michigan.

Keep in mind that your actual rates will vary based on your unique circumstances, so it’s a good idea to get quotes from multiple companies to find the best rate for your specific situation.

The below rates in Michigan are estimated rates current as of: Sunday, April 5 at 5:00 PM PDT. 

Insurance Company	Average Monthly Quote: Liability Only
Auto-Owners	$102
USAA	$102
Chubb	$111
National General	$165
Safeco	$179
Liberty Mutual	$194
Liberty Mutual	$194
Nationwide	$207
Bristol West	$211
State Farm	$211
Direct Auto	$214
Progressive	$224
Travelers	$244
Insurify Car	$248
GEICO	$250

Disclaimer: Table data sourced from real-time Michigan car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Michigan may vary based on the policy buyer's unique driver profile.

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How a DUI affects car insurance rates in Michigan

Your car insurance rates will likely increase quite a bit after a DUI conviction in Michigan. The table below shows the average liability rates for a Michigan driver with and without a DUI, giving you an idea of how your insurance costs may fluctuate.

How to get car insurance with a DUI in Michigan

Getting car insurance after a DUI might take a few extra steps, but it’s essential to get coverage. Follow these steps to buy car insurance with a DUI on your record:^[1]

1. Gather your information

Be ready with your driver’s license number, vehicle information, and the date of your DUI.



2. Compare quotes from multiple insurance companies

Rates can vary widely for drivers with a DUI, so get quotes from several companies. Focus on companies known for insuring high-risk or non-standard drivers.



3. Look for SR-22 filing support

Michigan, like many U.S. states, requires drivers to carry an SR-22 after a DUI. Make sure the insurance company you select will issue this form.



4. Choose a policy that meets state requirements

At a minimum, your policy must include personal injury protection (PIP), property protection insurance (PPI), and bodily injury and property damage (BI/PD) liability.



5. Make on-time payments

A lapse in coverage can make it even harder to find affordable car insurance and reset your SR-22 requirement. Set up automatic payments or reminders to maintain continuous coverage.

DUI laws in Michigan

In Michigan, a DUI conviction remains on your criminal record permanently.^[2] But under the state’s Clean Slate legislation, you may be eligible to have your first DUI offense erased from your record five years after sentencing, as long as you don’t have any other DUIs during that period.^[3]

Michigan also requires drivers to have an SR-22 for three years after a DUI. An SR-22 is a form your insurance company sends to the state verifying you have a policy with at least the state’s minimum-coverage limits.

Beyond higher insurance rates and the SR-22 requirement, you may have to deal with other penalties after a DUI. These penalties depend on whether you have a high BAC (blood alcohol concentration) and escalate with each subsequent offense:^[4]

First offense

• Fine of $500 to $700

• Up to 180 days in jail

• Up to 360 hours of community service

• License suspension for up to one year

• Six points on your driver’s license

• Potential for mandatory alcohol treatment program

• Potential requirement to have an ignition interlock device installed in your vehicle

Second offense (within seven years of first offense)

• Fine of $1,000 to $5,000

• Felony conviction

• Imprisonment of up to 10 years

• Potential requirement to forfeit the vehicle

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Minimum car insurance requirements in Michigan

Michigan is a no-fault car insurance state. This means each driver’s insurance company covers their own medical expenses, regardless of who was at fault in the accident, and you generally can’t sue the other driver unless your injuries are extremely severe.

Like other states, Michigan requires all drivers to carry a specific minimum amount of car insurance coverage to legally operate a motor vehicle. Those minimum-coverage limits are:

• Personal injury protection: Minimum of $250,000 per person per accident

• Property protection insurance: $1 million

• Residual liability insurance (default limits):

• Up to $250,000 per person killed in an accident

• Up to $500,000 per accident if several people are hurt or killed

• Up to $10,000 for property damage in another state

DUI car insurance in Michigan FAQs