How bad does a DUI mess up car insurance in Michigan?

The “five to seven years” estimate shouldn’t be treated as a fixed Michigan rule. One additional detail to check when comparing quotes: ask whether the price assumes an SR-22 filing or another required proof of financial responsibility. That requirement can affect eligibility and cost separately from the DUI surcharge.

Have each insurer quote the same coverage limits and state exactly how long it plans to rate the conviction. Otherwise, a lower number may reflect different coverage or a missing filing requirement rather than a genuinely better rate.

Dropping collision or comprehensive is a bigger trade: if the car is damaged in a way those coverages would have paid for, or stolen, you could be responsible for the repair or replacement cost yourself.