How Much are Auto Insurance Quotes for Drivers with a DUI in Michigan?

You have most likely seen the captivating commercials from auto insurance companies like GEICO, Progressive, and Liberty Mutual that make promises of dirt cheap rates, so you just need to pick the one with the best commercial, right?

It’s just not that simple, as there are a whole bunch of unknown aspects like how old you are, whether you have good or poor credit, the number of miles you drive in a year, and if you have any tickets or accidents, that all impact the price you pay. We are going to cover the best ways to avoid overpriced car insurance and educate you enough to have a good beginning to your quest for cheaper car insurance in Michigan.

One of the more important factors that is used to help calculate insurance cost is where your home is located in Michigan. Cities with larger populations or higher claim trends like Detroit, Southfield, and Warren tend to pay slightly more, whereas areas with lower crime rates and fewer weather claims have the benefit of cheap insurance for drivers with a DUI in Michigan.

The table below sorts the priciest cities in Michigan for drivers with a DUI to buy auto insurance in.

Price information shown is comparative as the specific Michigan residence address can increase or decrease auto insurance rates greatly.

The make and model of vehicle you are seeking coverage for is a large factor when looking for cheap insurance for drivers with a DUI in Michigan. Vehicles with higher performance characteristics, poor safety features, or a track record of large liability claims will cost more to insure than more modest models.

The lists below features car insurance costs for a selection of the most cost-effective vehicles to insure.

Data assumes single male driver age 50, two speeding tickets, no at-fault accidents, $500 deductibles, and Michigan minimum liability limits. Discounts applied include homeowner, multi-vehicle, multi-policy, and claim-free. Estimates do not factor in vehicle garaging location which can decrease or increase prices considerably.

Data based on single male driver age 50, two speeding tickets, no at-fault accidents, $500 deductibles, and Michigan minimum liability limits. Discounts applied include multi-policy, multi-vehicle, claim-free, and homeowner. Estimates do not factor in specific garaging location which can revise price quotes significantly.

Data based on single male driver age 50, two speeding tickets, no at-fault accidents, $500 deductibles, and Michigan minimum liability limits. Discounts applied include homeowner, multi-policy, multi-vehicle, and claim-free. Prices do not factor in the specific area where the vehicle is garaged which can decrease or increase coverage rates significantly.

Cost comparison with and without full coverage

Finding cheap insurance for drivers with a DUI in Michigan is the goal of most drivers, and an effective way to find cheaper insurance is to buy liability only. The diagram below illustrates the difference between yearly insurance costs with full phyical damage coverage and with liability coverage only. The prices are based on no claims or driving citations, $100 deductibles, marital status is single, and no policy discounts are applied.

google.charts.setOnLoadCallback(drawFclqcibChart);function drawFclqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘Full Coverage with $100 Deductibles’, ‘Liability Only’],[‘Age 20’, 9145,2739],[‘Age 30’, 4637,1491],[‘Age 40’, 4629,1379],[‘Age 50’, 4207,1289],[‘Age 60’, 4069,1267],[‘Age 70’, 4965,1703]]);var options = {title: ‘Savings of Only Insuring for Liability’,titleTextStyle: {color: ‘#333’,fontSize: 17,bold: true},width: ‘100%’,height: 500,’chartArea’: {left:100,top:50,’width’: ‘100%’, ‘height’: ‘70%’},legend: {position: ‘bottom’},colors: [‘#6791b9′,’#98bee2’],hAxis: {title: ‘Annual Auto Insurance Cost for Average Vehicle in Michigan’,minValue: 0,format: ‘$###,###’},vAxis: {title: ‘Age of Insured’}};var formatter = new google.visualization.NumberFormat({fractionDigits: 0,prefix: ‘$’});formatter.format(data,1);formatter.format(data,2);var chart = new google.visualization.BarChart(document.getElementById(‘qcibfcl’));chart.draw(data, options);}

On average, physical damage coverage on your policy costs $5,275 per year more than just insuring for liability. That amount may make you wonder when is it a good idea to stop buying full coverage. There is no exact formula to stop buying physical damage coverage on your policy, but there is a general convention. If the annual cost of your full coverage insurance is more than 10% of the replacement cost of your vehicle minus the policy deductible, then it might be time to consider dropping full coverage.

Buying coverage from the top insurance company can be a challenge considering how many companies sell coverage in Michigan. The information below can help you pick which providers to look at purchasing a policy from. The rankings below are for large, nationwide insurance companies, so companies with more of a regional focus will not be included in these rankings.

Is the best company Progressive, Geico, Allstate, or State Farm?

If you want reliable auto insurance after getting a DUI, four good companies to start with are Progressive, Geico, Allstate, and State Farm. Each company has a distinct set of features and optional coverages that can influence your buying decision. The data below compares price and claims rank as well as some different options you can expect with each one.