Michigan Auto Insurance After a DUI or Violation
Michigan requires 50/100/10 liability coverage and is a no-fault state.
Find Coverage for My SituationMichigan at a Glance
50/100/10
Minimum liability limits, in thousands of dollars (per person / per accident / property)
No-fault
Each driver's own policy pays their injuries first, whoever caused the crash
Required
PIP coverage must be on every policy
Yes
A defensive driving course can reduce points on your record
Source: state DMV, insurance department and statute records, verified July 2026
Minimum Coverage Requirements in Michigan
After a DUI conviction or license suspension in Michigan, most insurers will non-renew your policy at its expiration date rather than canceling it immediately—giving you until your renewal date to find replacement coverage. For most violations requiring proof of financial responsibility, Michigan requires SR-22 filing through a licensed carrier, typically for three years. You'll need to move to a non-standard auto insurer that specializes in high-risk drivers, as most standard carriers do not accept drivers with recent DUIs or suspensions on their record.
SR-22 Filing
Liability Coverage
Non-Standard Auto Insurance
High-Risk Auto Insurance
What Drivers Pay in Michigan
$305–$569/mo
Typical monthly rate in Michigan, drivers after a speeding ticket
Rate data: ValuePenguin and CarInsurance.com, 2026
What Affects Your Rate
- Violation type—OWI convictions typically result in higher increases than most other violations
- Time since violation—rates decline gradually starting at the three-year mark
- Prior driving record—a single DUI with an otherwise clean record receives better rates than multiple violations
- Vehicle value and coverage level—comprehensive and collision add significant cost for high-risk drivers
Get Back to a Fair Rate After a Violation
Find Coverage for My SituationCoverage Types
High-Risk Auto Insurance
Coverage for drivers with DUIs, suspensions, or serious violations on their record. Premiums are substantially higher than standard market rates but decline over time with clean driving.
Non-Standard Auto Insurance
Policies from carriers specializing in drivers that standard insurers decline. These carriers file SR-22 certificates and accept recent violations.
SR-22 Insurance
Not a separate policy—SR-22 is a certificate your carrier files with the state proving you maintain required coverage. The filing itself costs $25-$50 annually.
Liability Insurance
Covers damages you cause to others in an accident. Michigan's no-fault system still requires liability coverage for out-of-state accidents.