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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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 could affect your insurance rate. Let’s explore the best steps to take to ensure your car insurance after a MIP stays affordable.


Does a MIP affect insurance rates?
  1. When can a MIP affect your car insurance premium?
  2. Underage drinking and car insurance
  3. Additional resources



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 + YearAverage 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.

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Ava Lynch
Ava LynchSenior Analyst

Ava worked in the insurance industry as an agent for four-plus years. Currently providing insights and analysis as one of The Zebra’s property and casualty insurance experts, Ava has been featured in publications such as U.S. News & World Report, GasBuddy and Yahoo! Finance.

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.

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