Car Insurance After a DUI in Michigan: Cheapest Companies & Rates (2026)
A DUI in Michigan increases car insurance rates by an average of 92%, raising a typical full coverage policy from $2,928/year to $5,622/year. That's an increase of $2,694/year ($225/month). Rates typically return to normal after 3-7 years.
DUI Rate Impact in Michigan
Before DUI
$244/mo
$2,928/year full coverage
After DUI (+92%)
$469/mo
$5,622/year full coverage
Cheapest Companies After DUI in Michigan
| Company | Monthly | Annual | Best For |
|---|---|---|---|
| CheapestUSAA | $347/mo | $4,160/yr | Military families |
| Erie Insurance | $370/mo | $4,441/yr | Rate lock guarantee |
| GEICO | $384/mo | $4,610/yr | Clean driving record |
| Progressive | $412/mo | $4,947/yr | Telematics savings |
| State Farm | $426/mo | $5,116/yr | Good students |
| Travelers | $445/mo | $5,341/yr | Multiple discounts |
| Nationwide | $487/mo | $5,847/yr | Bundling home + auto |
| Farmers | $506/mo | $6,072/yr | Signal telematics |
| Allstate | $525/mo | $6,297/yr | Accident forgiveness |
| Liberty Mutual | $553/mo | $6,634/yr | New car replacement |
Rates based on a 30-year-old driver with one DUI conviction, Michigan, full coverage. Updated March 2026.
These are estimates based on state averages. Your exact rate depends on your specific profile.
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DUI Legal Consequences in Michigan
- License suspension for 90 days to 1 year (first offense)
- Fines ranging from $500 to $5,000+
- Mandatory alcohol education or treatment program
- Possible ignition interlock device requirement
- SR-22 insurance filing required for 3 years
- Potential jail time (varies by BAC level and prior offenses)
SR-22 Insurance in Michigan
An SR-22 is a certificate of financial responsibility that your insurer files with the state. It's not a type of insurance — it's proof that you carry at least the state minimum coverage.
- Filing fee: $15-50 (one-time)
- Duration: 3 years in Michigan
- Lapsing your SR-22 triggers immediate license suspension
- Not all insurers offer SR-22 — Progressive, GEICO, and State Farm do
When Do Rates Return to Normal?
| Years After DUI | Estimated Monthly Rate | vs. Clean Record |
|---|---|---|
| Year 0 | $468/mo | +92% |
| Year 1 | $446/mo | +83% |
| Year 2 | $412/mo | +69% |
| Year 3 | $356/mo | +46% |
| Year 5 | $289/mo | +18% |
| Year 7 | $244/mo | Normal |