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Michigan car insurance

Michigan Teen Auto Insurance

Like many other states, Michigan has adopted a Graduated Driver Licensing (GDL) system. This is intended to reduce the number of accidents caused inexperienced teenage drivers. The system is designed to gradually introduce inexperienced drivers to more and more driving privileges as they gain behind-the-wheel experience culminating in an official Michigan driver license.

Michigan Graduated Driver License Requirements
The GDL is intended for aspiring drivers 14 years and 18 months old. The Michigan GDL system consists of two segments and three licensing levels.

Segment 1 requirements:

  • Teen must be 14 years, 8 months
  • Permission from parent or legal guardian
  • 24 hours of driver education classroom instruction
  • 6 hours behind-the-wheel instruction
  • 4 hours observing as passenger-in-training

Level 1 License requirements:
  • Completion of Segment 1
  • Social Security card or proof of US citizenship
  • Proof of ID and Michigan residency
  • Vision test
  • Signature of parent or legal guardian
  • Must be held for 6 months before applying for Level 2 License

Segment 2 requirements:
  • 30 hours supervised driving, including 2 hours nighttime driving
  • 6 hours driver education classroom instruction

Level 2 License requirements:
  • Must complete Segment 1 and Level 1 licensing
  • 50 hours behind-the-wheel training
  • Must be 16 years old
  • Must meet physical and medical standard requirements
  • Pass vision test

Level 3 License requirements:
  • Must be 17 years old
  • Clean driving record
  • Must have Level 2 License for at least 6 months

The Level 3 License will be mailed automatically and has no state restrictions though parents may continue to enforce their own restrictions.

Michigan Teen Driver Restrictions
  • Level 1 License holder may only drive with a licensed parent or legal guardian, 21 years or older, who must sit in the front passenger seat at all times.
  • Teen may have a designated licensed adult with permission of parent or guardian.
  • Level 2 License holders may not drive between 12 am and 5 am with designated licensed adult.
  • Level 3 License holders are under probation for 3 years after the issuance of their license

Violation of Level 3 probation could result in license restriction and/or suspension. Any violations during the last 10 months of probation will result in another 10 months of probation until 10 consecutive violation-free months are reached.