Senior Sergeant Steve Aitken, of Dunedin, said the 24-year-old male driver had just overtaken two vehicles in Musselburgh Rise, heading towards Andersons Bay Rd, when the car, which had three passengers, failed to take a bend at 8.45am.
It had been travelling at a "ridiculous speed", more than 100kmh, when it went through a crash barrier and launched through a fence.
It then smashed into a concrete garden shed, flipping over and landing 5m below the road in a backyard in Royal Cres, he said.
The car landed 2m from the girl's bedroom.
"It was an absolute miracle that no-one was killed," Snr Sgt Aitken said.
The driver had a breath-alcohol reading of 754mcg and would appear in the Dunedin District Court later this week charged with dangerous driving and driving with excess breath-alcohol.
"It was crazy to be driving at that speed, in that condition," Snr Sgt Aitken said.
Some of the occupants were helped out of the upside-down car by the fire service.
None was injured, Snr Sgt Aitken said.