A DUI/DWI conviction, driver’s license suspension or revocation, or related accident or traffic violation may significantly increase a driver’s insurance rate (by an average of 80%)—and two or more DUI/DWI convictions may make it difficult for a driver to acquire the insurance necessary to operate a vehicle.
In Michigan, a DUI/DWI (Driving Under the Influence/Driving While Intoxicated) conviction can have a substantial impact on a driver's car insurance rates. Michigan law considers DUI/DWI as serious offenses, and as a result, insurance companies may increase premiums significantly, sometimes by an average of 80% or more, due to the higher risk associated with insuring a driver with such a conviction on their record. Additionally, if a driver accumulates two or more DUI/DWI convictions, it may become even more challenging to find an insurance provider willing to offer coverage, as the driver is deemed high-risk. This difficulty in obtaining insurance is due to the increased liability that insurance companies would assume by insuring such drivers. Furthermore, Michigan operates under a no-fault insurance system, which requires all drivers to carry certain types of coverage, and a DUI/DWI conviction could lead to a suspension or revocation of the driver's license, complicating the ability to fulfill this legal requirement.