Car Insurance After a DUI in Michigan
How a DUI affects car insurance in Michigan: rate increases, SR-22 requirements, how long it lasts, and finding coverage.
- Cited from NAIC & the Michigan DOI
- Free — no obligation
- Licensed partners
Updated August 2026
A DUI/DWI is one of the costliest events for a car-insurance rate. In Michigan it typically triggers a sharp premium increase, often an SR-22 filing, and in some cases non-renewal by your current insurer.
The surcharge usually lasts several years and then fades if you stay clean; a DUI commonly affects rates for about three to five years depending on the carrier and state. The average Michigan driver pays about $1,443/yr (NAIC, 2023) for a typical driver — a post-DUI profile pays well above that. The Michigan state minimum is 50/100/10 ($50k bodily injury per person, $100k per accident, $10k property damage).
Because carriers price DUIs very differently, some specialize in high-risk drivers, comparing is the most effective way to limit the damage. Maintaining continuous coverage and completing any required program also helps rates recover faster.
Compare Michigan high-risk quotes below, and verify any SR-22/FR-44 requirement with the state. Michigan Dept. of Insurance →
Michigan car insurance after a DUI FAQ
How much does a DUI raise car insurance in Michigan?
It typically pushes your premium well above the Michigan average of about $1,443/yr (NAIC, 2023) and may require an SR-22. Compare high-risk carriers to limit the increase.
How long does a DUI affect insurance in Michigan?
Commonly three to five years, depending on the carrier and offense, after which the surcharge usually fades if you stay violation-free.
Can I still get car insurance after a DUI in Michigan?
Yes. Some insurers specialize in high-risk drivers and SR-22 filings. Coverage is available; comparing carriers is the key to a workable price.