- Cheapest car insurance for high-risk drivers in Michigan
- Average rates for high-risk drivers in Michigan by driving record
- Cheapest car insurance with a DUI
- Cheapest car insurance with multiple tickets
- Cheapest car insurance with a reckless driving conviction
- Cheapest car insurance with bad credit
- Methodology
Cheapest car insurance for high-risk drivers in Michigan
Rates will vary depending on what’s on your driving record, but on average the cheapest car insurance company for high-risk drivers in Michigan is Progressive, followed by Automobile Club of MI (AAA) and Auto-Owners.
| Company | Avg annual premium | Avg monthly premium |
|---|---|---|
| Progressive | $2,570 | $214 |
| Automobile Club of MI (AAA) | $3,733 | $311 |
| Auto-Owners | $5,001 | $417 |
| Geico | $5,148 | $429 |
| Travelers | $5,561 | $463 |
| Auto Club Enterprises (AAA) | $8,367 | $697 |
| State Farm | $9,213 | $768 |
| Allstate | $12,158 | $1,013 |
| Farmers | $17,481 | $1,457 |
| USAA | $2,690 | $224 |
Average rates for high-risk drivers in Michigan by driving record
Average cost of car insurance in Michigan for high-risk driver
Select your state and risk factor below to see the insurance company and its
average annual full coverage rates.
| Company name | Average annual premium |
|---|---|
| USAA | $2,402 |
| Progressive | $2,618 |
| Automobile Club of MI (AAA) | $2,640 |
| Auto-Owners | $3,214 |
| Geico | $4,991 |
| State Farm | $5,292 |
| Travelers | $5,522 |
| Auto Club Enterprises (AAA) | $5,890 |
| Allstate | $7,522 |
| Farmers | $15,116 |
Cheapest car insurance with a DUI
A DUI will put you into the high-risk category quickly, and you can expect a big jump in your rates. Shopping around can make a big difference, however. The cheapest car insurance company in Michigan for a driver with a DUI is Progressive with an average annual of $2,241 a year.
| Company | Avg annual premium | Avg monthly premium |
|---|---|---|
| Progressive | $2,241 | $187 |
| Automobile Club of MI (AAA) | $4,520 | $377 |
| Auto-Owners | $6,475 | $540 |
| Travelers | $9,089 | $757 |
| Auto Club Enterprises (AAA) | $10,072 | $839 |
| State Farm | $10,925 | $910 |
| Geico | $13,013 | $1,084 |
| Farmers | $14,381 | $1,198 |
| Allstate | $24,289 | $2,024 |
| USAA | $2,989 | $249 |
Cheapest car insurance with multiple tickets
While a single ticket doesn’t mean you’re high-risk, multiple tickets will worry insurance companies more, resulting in higher rates. In Michigan, the cheapest car insurance with multiple tickets is from Progressive. It offers full coverage insurance at $2,387 per year or $199 monthly.
| Company | Avg annual premium | Avg monthly premium |
|---|---|---|
| Progressive | $2,387 | $199 |
| Automobile Club of MI (AAA) | $3,463 | $289 |
| Geico | $3,520 | $293 |
| Auto-Owners | $3,910 | $326 |
| Travelers | $4,497 | $375 |
| Allstate | $5,925 | $494 |
| State Farm | $6,767 | $564 |
| Auto Club Enterprises (AAA) | $7,716 | $643 |
| Farmers | $14,124 | $1,177 |
| USAA | $2,250 | $188 |
Cheapest car insurance with a reckless driving conviction
Reckless driving is a serious violation and indicates you drive in a very risky manner, which means higher insurance rates. In Michigan, Progressive offers the cheapest full coverage car insurance for drivers with a reckless driving conviction at $2,539 a year.
| Company | Avg annual premium | Avg monthly premium |
|---|---|---|
| Progressive | $2,539 | $212 |
| Geico | $4,081 | $340 |
| Automobile Club of MI (AAA) | $4,520 | $377 |
| Travelers | $6,286 | $524 |
| Auto-Owners | $6,475 | $540 |
| Auto Club Enterprises (AAA) | $10,072 | $839 |
| State Farm | $10,925 | $910 |
| Farmers | $16,754 | $1,396 |
| Allstate | $24,289 | $2,024 |
| USAA | $2,745 | $229 |
Cheapest car insurance with bad credit
Although it's not directly related to driving skills, people with poor credit are statistically more likely to file a claim. As a result, bad credit can put you in the high-risk category, but you can save by shopping around. The cheapest car insurance for drivers with bad credit in Michigan is Automobile Club of MI (AAA) with an average annual cost of $2,969 or $247 per month.
| Company | Avg annual premium | Avg monthly premium |
|---|---|---|
| Automobile Club of MI (AAA) | $2,969 | $247 |
| Geico | $3,235 | $270 |
| Progressive | $3,479 | $290 |
| Travelers | $4,503 | $375 |
| Auto-Owners | $5,328 | $444 |
| Allstate | $6,593 | $549 |
| Auto Club Enterprises (AAA) | $6,912 | $576 |
| State Farm | $13,128 | $1,094 |
| Farmers | $31,377 | $2,615 |
| USAA | $3,653 | $304 |
Methodology
Data is sourced from the Auto Problems Report 2022 for all states including Washington D.C. The rates are based on the driving profile of a 40-year-old male driver who drives a Honda Accord LX and opts for a full-coverage policy with coverage limits of 100/300/100 and a $500 comprehensive and collision deductible across most ZIP codes with 50,00,736 records from 27 companies.
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