Cheapest car insurance for high-risk drivers in Michigan

Cheapest car insurance in Michigan for a bad driving record

Progressive, Auto-Owners, Geico offers affordable car insurance for high-risk drivers with bad driving record in Michigan.

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

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. However, you can get rates as low as $2,709 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

Show Graph View

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

Average annual rate

PEOPLE ASK:

Who is considered high-risk for insurance in Michigan?

Each insurance company determines who they consider a high-risk driver, but a DUI, multiple tickets or accidents and other serious violations like reckless driving will generally land you in the high-risk category.

Cheapest car insurance in Michigan with a DUI

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

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

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 or $212.

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

Cheapest car insurance in Michigan with a reckless driving conviction

Drivers with reckless driving conviction can get the cheapest rates from Progressive at $2,782.

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.

The table below compares car insurance rates for drivers with a clean driving record and 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

Cheapest car insurance after an accident in Michigan

Auto-Owners and Progressive have the lowest car insurance rates after an accident at $2,425 and $2,858, respectively.

Drivers with accidents on their driving records see higher rates than drivers who avoid crashes. While car insurance increases after one accident, multiple accidents significantly increase rates.

This table compares rates for drivers with a clean driving 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

Cheapest car insurance in Michigan by city

Adrian has the cheapest car insurance rates in Michigan, averaging $4,250. However, the most expensive city is Dearborn, with average insurance rates of $6,665.

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.

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

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 Michigan 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 a high-risk driver in Michigan, you might need to file an SR-22. This is a form that your car insurance company sends in to show you have the required minimum insurance coverage. The court will let you know how long you need to keep the SR-22.

An SR-22 isn't a type of insurance; it's just a form. You don't need special coverage, but your rates might be higher because you're considered high-risk. Also, not all insurance companies offer coverage for high-risk drivers or handle SR-22 filings.