Michigan has the highest drunk driving rate in the US is one of As such, drivers convicted of DUI face serious consequences within the state. In addition to state penalties and fines, insurance rates typically increase significantly after a DUI. At the national level, full-coverage auto insurance increases an average of 63% after his DUI, but in Michigan the average increase is much higher at 166%.

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Michigan limits the factors that insurance companies use to determine the price of auto insurance, so when calculating the price, Records can be an even more important factor. Even one DUI offense on his part can cause the insurance company to put you in the high-risk driver category. Insurance companies typically charge higher premiums for high-risk drivers and may even deny coverage outright.

Michigan Drunk Driving Laws

In Michigan, it is a crime for anyone with a blood alcohol concentration (BAC) of 0.08 or higher to drive, except for drivers under the age of 21 who have a maximum blood alcohol concentration (BAC) of 0.02. If a driver's BAC is above his 0.17, the penalties are even more severe.

Michigan has a variety of criminal penalties for DUI convictions. For first-time offenders who have had no DUI convictions in the past seven years, penalties may include up to 180 days in prison, up to 360 hours of community service, and a fine of up to $700. Other penalties include a potential one-year license suspension and six points on her driving record.

If he is a driver with a BAC greater than 0.17, additional penalties may include a mandatory alcohol treatment program and the installation of an ignition interlock device. .

In serious cases, if a driver is convicted of an alcohol-related accident that results in the death of someone, the penalty is 15 years in prison, a fine of up to $10,000, and a mandatory vehicle. You may face fixation. < /p>

How DUI Impacts Michigan Auto Insurance

While a DUI conviction remains on your lifetime driving record in Michigan, insurers determine your premium. In some cases, we may only consider convictions within the last 5 to 10 years.

The average auto insurance rate in Michigan is already higher than the national average, even for drivers with good records. Adding a DUI conviction to the mix could increase the rate significantly. Insurers may also refuse to renew policies, and it may be difficult to purchase new policies after a DUI conviction.

Michigan law also requires you to have SR-22 insurance if your license is suspended or revoked following your DUI conviction. SR-22 indicates that you meet the state's minimum auto insurance requirements. Not all insurance companies offer SR-22. If not, you should switch to a company that offers this service.

Auto insurance coverage after drunk driving in Michigan How to Find

Finding the right car insurance within your budget after drinking and driving can be difficult, but there are insurance companies that can offer fairly affordable average rates for high-risk drivers. Note that Michigan is one of the states with the highest car insurance premiums, even for those with a clean driving record.

As you can see below, post-DUI premiums can vary greatly between insurers. choose. Additionally, fees may vary depending on other individual driving factors such as vehicle type. This is why most insurance professionals recommend comparing quotes from multiple companies to find the one that best suits your needs. If you are looking for the best car insurance in Michigan after DUI, consider getting a quote from the following companies.

Frequently Asked Questions

• • How much will it affect my insurance?

    DUI will remain permanently on the driving record of the Michigan DMV, Depending on the carrier, rates may not be affected for more than 5 or 10 years. Ultimately, maintaining a clean driving record after a DUI will likely pay you back.

  • Does Michigan require an SR-22?

    If your license is revoked in Michigan due to a DUI conviction, your insurer must file an SR-22 form with the DMV. This is a statement of financial liability indicating that you have at least the legal minimum required insurance in Michigan. If a license has been suspended, this, along with fees and other terms, may be required for reinstatement. It doesn't automatically give you permission to drive again.

  • How can I reduce my insurance premium after driving drunk?

    There may be ways to save on car insurance premiums in Michigan even after drunk driving. Comparing quotes from multiple companies with low average rates may be a good starting point. You can also see where you can save. If your insurance company offers a telematics program, this could be the quickest way you can start demonstrating safe driving habits and potentially save on your insurance premiums.

Methodology

Bankrate leverages Quadrant Information Services to provide 2022 data for all 50 states and all Washington, D.C. Analyzing prices. Fees are weighted based on the population density of each region. Estimated fares are based on 40 year old male and female drivers with clean driving records, good credit, and full coverage limits of:

• $100,000 per person injury. Liability
• $300,000 personal injury liability per accident
• $50,000 property damage liability per accident
• $100,000 per person uninsured Driver's Injury
• $300,000 Uninsured Driver's Injury per Accident
• $500 Collision Deductible
• $500 Combined Deductible

To determine the minimum compensation amount, Bankrate used the minimum compensation amount that meets each state's requirements. The base profile driver owns a 2020 Toyota Camry, commutes 5 days a week and drives 12,000 miles per year.

These are sample rates and should be used for comparison purposes only.

Incidents: Charges were calculated by applying the following incidents to evaluate a base profile: Clean Record (Base), Accidents Caused by Fault, 1 Time speeding ticket, one DUI conviction, and loss of compensation.