Ask an Agent
Have a question? We're here to help.
Ask an agent for free
Question

Will my insurance be affected by an MIP if it was dismissed?

I was given a citation (MIP charge) for underage drinking, but I wasn't driving. I got a lawyer to go to court to get it dismissed, took a drug education class, and paid for the expungement. It might take up to six months for it to be off my record, though. I don't have my license yet but want to get it soon. Will this MIP affect my insurance rate when I get my license, or affect the process of getting insurance?

Jul 28, 2019 Gastonia, NC

Answer
Author profile picture

Kristine Lee

Insurance Analyst

Kristine is a licensed insurance agent who joined The Zebra in 2019 as an in-house content researcher and writer. Before joining The Zebra, she was a…

Credentials
  • Licensed Insurance Agent — Property and Casualty
  • 6+ years of Experience in the Insurance Industry

Thanks for reaching out to The Zebra!

Fortunately, a MIP (Minor in Possession) is a non-moving violation, which does not impact your insurance rates. It shouldn't make things more difficult or come into play when you get your license and want to purchase car insurance. However, when it comes to the cost of auto insurance, age is an important rating factor. If you're around 18 to 20 years old you can expect your premium to be quite pricier than those paid by older folks. This is based on risk factors that all insurance companies analyze — typically, younger drivers just pay more than more experienced drivers because they pose a higher risk to insurance companies for filing a claim.

You might qualify for insurance discounts depending on your situation. For example, if you're going to school and keep your grades at a certain level, you might be able to get a good student discount. If you're living on your own and have renters or homeowners insurance you could qualify for a bundling discount.

If possible, I recommend getting insurance under your parents' policy, because it will likely be the best way for you to save money at this point. Many different factors go into calculating your rate, but The Zebra can do the shopping for you and get quotes from several companies at once. You can also give us a call at 888-807-3823. Good luck and if you have any questions, don't hesitate to ask.

Ask an Agent
Have a question? We're here to help.
Ask an agent for free

Insurance is complicated, but it doesn't have to be.

The Zebra searches all of the top insurance companies, in one place, so you can compare the cost and coverage you need to protect your car, home and other property.

Step 1: Tell us a little about yourself

Choose an insurance product and enter your zip code to get started.

Step 2: Sip your coffee while we find the best quotes

Enter the necessary information and then sit back while we find quotes from 100 top insurance carriers.

Icon Fill Form

Step 3: Compare your quotes

Compare quotes side-by-side to find the right match for you, whether it's home, auto, or more.

Icon Agent

Step 4: Let our agents do the hard work for you

Once you pick your policy, our agents are here to get you over the finish line. Then just relax and enjoy your savings.

Compare insurance rates today!

Location pin icon
No junk mail. No spam calls. Free quotes.

Related Questions

Other people are also asking...

Is there a temporary non-owners car insurance for foreign drivers?

As an international student, you do have some options. The Zebra can offer Non-Owner's policies for drivers with a foreign license. We can't quote that online because a car is required, but you can give us a call at 888-807-3823. We will quote you with several companies at once. To qualif…
May 13, 2019 Durham, NC

Who insures a teenage driver after a divorce?

Generally speaking, in a divorce the parent with primary custody should insure the child on their policy. The tricky part would be if your son will be driving your vehicle while at your home and then his father's vehicle when he stays with him. In that instance, it would be best for you and yo…
Mar 11, 2017 Manhattan, KS

Will a claim on a shared policy affect rates for my other policy?

Thank you for reaching out to The Zebra about this situation. Insurance can get quite confusing, especially with multiple cars and policies.Anytime you file a claim, it is reported between insurance companies. This report is called the Comprehensive Loss Underwriting Exchange report or CLUE for sho…
Feb 6, 2023 Bridgeport, CT

How can my current insurer offer me a lower quote online?

Thank you for reaching out to The Zebra! There are a number of reasons that a quote can be different with the same company. One reason is that one of the quotes could have had all the reports run, while another might not have. The "reports" I'm referring to are things we insurance fo…
Jun 1, 2023 Indianapolis, IN