Cheapest car insurance for high-risk drivers in Michigan

Which company has the cheapest car insurance in Michigan for a bad driving record?

Progressive, Auto-Owners, GEICO are the cheapest options. Progressive has the lowest annual rate at $2,709 per year.

Having accidents, DUIs or traffic tickets on your driving record, will make you pay more for insurance. Most tickets will affect your rates for three to five years. A DUI can affect your rates for up to 10 years and can stay on your record for life.

Company	Average annual premium for clean record	Annual premium for high-risk driver
Progressive	$2,069	$2,709
Auto-Owners	$2,085	$3,876
GEICO	$1,553	$4,241
Travelers	$1,817	$4,344
Auto Club Group - ACG (AAA)	$2,537	$5,238
State Farm	$3,698	$8,187
USAA	$1,514	$2,443

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How much is high-risk car insurance in Michigan?

A problematic driving record or poor credit score may mean higher insurance rates, but affordable options exist. In Michigan, high-risk car insurance costs $4,639 per year. However, you can get rates as low as $2,709 annually from Progressive.

Many things can make you a high-risk driver, but some affect your rates more than others. For example, having multiple speeding tickets or a ticket for speeding in a school zone will increase your rates more than a single basic speeding ticket.

Read on as we explain high-risk car insurance factors and rates below.

Average annual car insurance rate for At-fault bodily injury accident in Michigan, MI is $3,698

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Company	Annual premium for clean record	Annual premium after violation
USAA	$1,514	$2,206
Auto-Owners	$2,085	$2,425
Progressive	$2,069	$2,858
Auto Club Group - ACG (AAA)	$2,537	$3,709
GEICO	$1,553	$4,110
Travelers	$1,817	$4,328
State Farm	$3,698	$4,376

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Average annual rate

PEOPLE ASK:

Who is considered a high-risk driver in Michigan?

Each insurance company has its own rules for deciding who is a high-risk driver. But usually, things like a DUI, several tickets or accidents, or serious violations like reckless driving will put you in the high-risk category.

What company offers the cheapest car insurance in Michigan after a DUI?

While many insurers offer coverage after a DUI, Progressive has the lowest rate at $2,412 a year.

Driving under the influence (DUI) is a major traffic violation that will hurt your driving record. It can increase auto insurance rates for almost a decade in addition to fines and other penalties. Multiple DUIs will increase your premiums even more, but improving your driving habits can help you get better rates over time.

The table below shows the average car insurance rates for a clean record vs. a DUI in Michigan.

Company	Average annual premium for clean record	Annual premium for a DUI
Progressive	$2,069	$2,412
Auto-Owners	$2,085	$4,672
Auto Club Group - ACG (AAA)	$2,537	$6,476
Travelers	$1,817	$7,137
State Farm	$3,698	$9,123
GEICO	$1,553	$10,831
USAA	$1,514	$2,721

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Cheapest car insurance in Michigan with multiple tickets

For drivers with multiple tickets, Progressive offers the lowest premiums, averaging $2,548 per year or $212 per month.

A single ticket can raise your car insurance premiums, but multiple tickets will push them even higher. Repeatedly violating speed limits and other traffic laws signals risky behavior, increasing the likelihood that insurers will have to pay claims.

This table shows drivers in Michigan how much having multiple tickets can raise their insurance premiums.

Company	Average annual premium for clean record	Annual premium with a speeding ticket
Progressive	$2,069	$2,548
GEICO	$1,553	$2,884
Auto-Owners	$2,085	$2,904
Travelers	$1,817	$3,490
Auto Club Group - ACG (AAA)	$2,537	$4,918
State Farm	$3,698	$5,619
USAA	$1,514	$2,076

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Key insight

Two minor tickets can sometimes cost you more on insurance in the end than one major violation.

Which company offers the cheapest insurance for reckless driving in Michigan?

Progressive offers the most affordable rates for drivers with reckless driving convictions, averaging $2,782 per year.

Engaging in driving behaviors that put others at risk can lead to a reckless driving charge. A conviction for reckless driving results in higher car insurance rates.

The table below compares car insurance premiums for drivers with a clean record and those with a reckless driving conviction.

Company	Average annual premium for clean record	Annual premium for reckless driving
Progressive	$2,069	$2,782
GEICO	$1,553	$3,357
Auto-Owners	$2,085	$4,672
Travelers	$1,817	$4,929
Auto Club Group - ACG (AAA)	$2,537	$6,476
State Farm	$3,698	$9,123
USAA	$1,514	$2,514

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Key insight

A reckless driving conviction can limit your car insurance options and significantly raise rates, so shopping around is critical.

What company has the cheapest car insurance in Michigan after an accident?

Auto-Owners has the lowest rates after an accident at $2,425 a year. Progressive also has affordable rates at $2,858 a year.

Drivers with accidents on their record typically pay higher insurance rates than those with a clean record. While car insurance rates may increase after one accident, multiple accidents can increase rates even more.

This table shows rates for drivers with a clean record, one at-fault accident and multiple accidents.

Company	Average annual premium for clean record	Annual premium for one at-fault accident	Annual premium for multiple accident
Auto-Owners	$2,085	$2,425	$5,247
Progressive	$2,069	$2,858	$3,773
Auto Club Group - ACG (AAA)	$2,537	$3,709	$17,301
GEICO	$1,553	$4,110	$6,035
Travelers	$1,817	$4,328	$5,732
State Farm	$3,698	$4,376	$5,393
USAA	$1,514	$2,206	$3,531

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Key insight

Accident forgiveness programs can prevent rate increases, but eligibility varies by insurer, and often only minor accidents qualify.

Which city has the cheapest car insurance for high-risk drivers in Michigan?

In Michigan, the lowest car insurance rates are found in Adrian, averaging $4,250 annually. On the other hand, Dearborn has the highest rates at $6,665 a year.

Where you live in Michigan matters, too. If you're in an area with heavy traffic or a high rate of vehicle theft, your premiums will rise to reflect the increased likelihood of claims.

City	Average annual premium for clean record	Annual premium for high-risk driver
Adrian	$2,115	$4,250
Mason	$2,149	$4,305
Ann Arbor	$2,119	$4,381
Michigan Center	$2,256	$4,535
Grand Rapids	$2,248	$4,631
Novi	$2,467	$5,114
Burton	$2,589	$5,327
Gibraltar	$2,708	$5,661
Huntington Woods	$2,890	$5,999
Detroit	$3,280	$6,406
Dearborn	$3,305	$6,665

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How can high-risk drivers lower their car insurance rates in Michigan?

Finding affordable car insurance in Michigan is possible, even with a bad driving record. Ways to lower car insurance rates include:

Where you live in Michigan also affects car insurance rates. For example, if you live in a high-traffic or high-theft area, rates will increase because your vehicle is more likely to be damaged or stolen.

Carefully consider filing claims. Paying for minor damage out of pocket may be cheaper than filing an insurance claim and increasing rates for years.
Avoid costly infractions. Drive carefully to avoid adding traffic infractions to your record. Tickets only affect insurance rates for a few years, which will decrease if more tickets aren't added.
Improve your credit score. Raising your credit score lowers car insurance rates. Make on-time payments and consider credit usage to improve your rating.
Take a defensive driving course. Many insurance companies offer a discount for doing so, and some states remove driver's license points for successfully completing the class.
Shop around for coverage. Every car insurance company weighs factors differently and offers different rates. Compare quotes to find the cheapest rates.

PEOPLE ASK:

How long are you considered a high-risk driver in Michigan?

Three years is common, but how long you are considered a high-risk driver in California depends on the insurance company's guidelines. The state determines how long a violation stays on your record, but the insurance company determines how long you're charged for that violation.

What are Michigan's insurance requirements for high-risk drivers?

If you're a high-risk driver in Michigan, you may need to file an SR-22. Your insurer submits this form to confirm you carry the state's minimum required coverage. The court will specify how long you must maintain the SR-22.

An SR-22 is not a type of insurance; it's simply a form. You don't need special coverage, but your premiums may be higher since you're classified as high risk. Additionally, not all insurance companies offer policies for high risk drivers or handle SR-22 filings.

Methodology

170+

insurance companies analyzed

34,000+

ZIP codes examined

$53M

insurance quotes analyzed

National and state average rates are based on three coverage levels: state minimum, 50/100/50 liability-only, and full coverage with 100/300/100 liability and $500 deductibles.

All base rate averages are based on our full coverage data set. This data set is based on: