Cheapest car insurance for high-risk drivers in Michigan

Cheapest car insurance in Michigan for a bad driving record

Drivers with a poor record in Michigan will find the lowest rates from Progressive, Auto-Owners and GEICO. Among these, Progressive provides the lowest annual premiumThe payment required for an insurance policy to remain in force. Auto insurance premiums are quoted for either 6-month or annual policy periods. at $2,709 annually.

If you have accidents, DUIs or traffic tickets on your driving record, you'll likely pay higher insurance rates. Most traffic violations can impact your rates for three to five years, while a DUI can raise your rates for up to 10 years and may remain 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?

In Michigan, the average cost of high-risk car insurance is $4,639 per year. However, you may secure coverage from Progressive for as low as $2,709 annually. Even with a problematic driving record or poor credit score, affordable policies are available.

Several factors can classify you as a high-risk driver, but some raise your premiums more than others. For example, receiving multiple speeding tickets or getting one for speeding in a school zone will boost your rates more than a single basic speeding ticket.

Keep reading as we break down the factors that make you a high-risk driver and what you can expect to pay for car insurance.

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 high-risk for insurance 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.

Cheapest car insurance in Michigan with a DUI

Although many insurance companies provide coverage after a DUI, Progressive offers the most affordable rate at $2,412 a year.

Driving under the influence (DUI) is a serious traffic violation that damages your driving record. It can raise auto insurance premiums for nearly 10 years, on top of fines and other penalties. Multiple DUIs drive rates even higher, but consistent safe driving over time can gradually lead to lower premiums.

The table below compares average car insurance premiums in Michigan for drivers with a clean record versus those with a DUI.

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

Progressive is the cheapest car insurance company for drivers with multiple traffic tickets, with an average rate of $2,548 a year or $212 a month.

While one traffic ticket can affect car insurance rates, multiple tickets can significantly increase those rates. Failure to obey speed limits and traffic laws leads insurers to believe they will eventually have to pay claims due to risky driving.

This table shows Michigan drivers how much multiple tickets increase 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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Cheapest car insurance in Michigan with a reckless driving conviction

Progressive offers the cheapest rates for drivers with reckless driving convictions at $2,782 per year.

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.

You can be charged with reckless driving for many reasons, such as excessive speed, multiple accidents in a short time or street racing. Regardless of the cause, a reckless driving conviction raises car insurance rates.

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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Cheapest car insurance after an accident in Michigan

Auto-Owners offers the lowest rates after an accident, averaging $2,425 per year. Progressive is another budget-friendly option, with rates around $2,858 a year.

Drivers with accidents on their record usually pay higher insurance premiums than drivers with a clean record. A single accident can raise your rates, and multiple accidents can push them even higher.

This table shows car insurance rates for drivers with a clean record, a single 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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Cheapest car insurance in Michigan by city

Adrian has the cheapest car insurance rates in Michigan at $4,250 per year. But the most expensive city is Dearborn with rates of $6,665 per year.

Your location in Michigan also matters. For example, if you live in an area with heavy traffic or a high vehicle theft rate, rates will reflect the increased chance 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 to reduce car insurance rates in Michigan for a bad driving record

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

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.

Michigan car insurance laws for high-risk drivers

If you're considered a high-risk driver in Michigan, you may be required to file an SR-22. This form is filled out by your car insurance company, stating that you have at least the minimum required coverage. The court will let you know how long you must file an SR-22.

Although an SR-22 is typically called insurance, it is only the form. You don't need special insurance coverage, but rates are much higher for high-risk drivers and not all carriers insure such drivers.

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: