Will a DUI Impact My Insurance Rates in Michigan?

Auto insurance can be expensive, especially in Michigan where drivers pay some of the highest premiums in the United States. A variety of factors can impact insurance rates, most importantly the individual’s driving history including DUI and other traffic convictions. If you are facing drunk driving charges it is crucial that you understand how a conviction can affect your life and obtain skilled representation to fight your charges. Contact a Marquette DUI lawyer to set up a consultation today.

Will a DUI Impact My Insurance Rates in MI?

Yes, being convicted of a DUI will impact your insurance rates in Michigan, as it would in any state. When insurance companies calculate premiums for each driver, they consider a wide range of factors including their age, gender, where they live, the type of vehicle they drive, their annual mileage, credit score, and more. One of the most important factors, however, is the individual’s driving record.

Drivers who have a history of accidents or claims will likely be given a higher rate because they cost the insurance company more money. The higher the risk of insuring a driver, the higher their premiums will be. When you are convicted of a DUI, you are considered a high-risk driver. Statistically speaking, individuals convicted of one or more DUIs are more likely to be involved in future collisions than those who have never been involved in a drunk driving offense.

Michigan has one of the highest average insurance rates in the country, and those numbers only increase after a drunk driving conviction. The average full coverage auto insurance increase after a DUI in Michigan is 156 percent, higher than the national average by 61 percent. In general, DUI offenders in MI pay an average of $7,714 for full coverage and $2,374 for minimum coverage.

How Long Will My Insurance Rates Be Affected?

In Michigan, a DUI will remain on your record for life. In the past, there was no opportunity to have the offense expunged, although that law has been adjusted. It is possible to get your drunk driving charge expunged only if it is your first offense, you did not cause an injury or death, and it has been 5 years since your conviction.

Whether your offense remains on your record permanently or you are able to have it removed, your insurance rates will likely be affected for many years. In general, premiums will start to slowly come down around 3 to 5 years after your conviction and can take several years after that to return to normal. However, the actual amount of time it will take depends on your driving record and your insurance company’s policies.

If you are facing DUI charges in Michigan it is crucial that you protect your legal rights and explore all of your options. Work with a skilled attorney at Berger Law for experienced representation and legal advice.