Will a MIP Violation Affect Car Insurance Rates?

Do auto insurance companies take into account offenses like Minor in Possession when setting rates?
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Ava Lynch

Insurance Analyst

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Ava joined The Zebra as a writer and licensed insurance agent in 2016. She now works as a senior insurance contributor, providing insights and data a…

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Renata Balasco

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Renata joined The Zebra in 2020 as a Customer Experience Agent. Since 2021, she has worked as licensed insurance professional and content strategist.…

Car insurance after a MIP

A MIP — or Minor in Possession — occurs when an individual under the age of 21 is found in possession of alcohol. Although this infraction is taken seriously and charged as a misdemeanor in most states, a MIP usually does not affect car insurance premiums. Because a Minor in Possession violation is not specifically related to driving, auto insurance companies don't consider it a black mark on one's driving record. However, a MIP can come with complicated consequences, including driver's license suspension or a ticket that labels a driver high-risk and could affect insurance rates. Let’s explore the best steps to take to ensure your car insurance after a MIP stays affordable.

When can a MIP affect car insurance premiums?

A MIP usually doesn’t affect car insurance costs, because it is not considered a driving offense. However, it's important to be aware of the indirect consequences of a MIP. Chief among these concerns is the suspended driver's license that can come as a result of a Minor in Possession.

Your license can be suspended after a MIP if you fail to appear in court or neglect mandated community service or fines. A suspended driver's license will have major implications on your insurance premiums. To avoid any rate changes, ensure you complete any court-ordered requirements as promptly as possible.


Underage drinking and car insurance rates

Drinking and driving laws — and the corresponding consequences — are more harsh when the driver ticketed is younger than 21. While penalties may vary by state, it is usually illegal for a minor to drive with any detectable amount of alcohol in his or her system.

If a young driver is caught with a BAC level exceeding 0.00, they’ll be ticketed for a DUI or DWI. For a teenager, a violation of this severity can double car insurance premiums.

On average in 2017, a DUI/DWI raised car insurance rates by 77%. The financial impact of the violation can linger for three to five years in most states, while in California, a DUI/DWI will increase your car insurance rate for 10 years. Below are estimated car insurance rates after a DUI charge.

Violation + Year Average Annual Premium
None $1,427
First Year with DUI $2,520
Second Year with DUI $3,278
Third Year with DUI $4,371
10th Year with DUI $12,020

Additional resources

Car insurance rates shouldn’t change after a MIP unless requirements specifically related to the charge are neglected and your license is suspended. If you responsibly complete your obligations in the wake of a MIP, your car insurance costs might not go up! Remember, when your rates do go up, it's a good idea to compare car insurance quotes to ensure you are getting the best deal.

Weigh your options and get the best value from your next insurance policy.

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About The Zebra

The Zebra is not an insurance company. We publish data-backed, expert-reviewed resources to help consumers make more informed insurance decisions.

  • The Zebra’s insurance content is written and reviewed for accuracy by licensed insurance agents.
  • The Zebra’s insurance editorial content is not subject to review or alteration by insurance companies or partners.
  • The Zebra’s editorial team operates independently of the company’s partnerships and commercialization interests, publishing unbiased information for consumer benefit.
  • The auto insurance rates published on The Zebra’s pages are based on a comprehensive analysis of car insurance pricing data, evaluating more than 83 million insurance rates from across the United States.