Cheapest car insurance for high-risk drivers in Michigan

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

Progressive offers the cheapest average car insurance rate for high-risk drivers in Michigan at $2,709 a year. Auto-Owners and GEICO also provide below-average rates for drivers with traffic violations, accidents or other risk factors.

Traffic infractions, accidents and DUIs wind up on your driving record, meaning you'll pay higher car insurance rates in addition to any fines assessed. While most violations only affect your insurance rates for a few years, a DUI may affect rates for a decade and never be removed from your record.

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?

Progressive has the cheapest average DUI insurance rates in Michigan at $2,412 per year. Drivers with a DUI often see some of the largest premiumThe payment required for an insurance policy to remain in force. Auto insurance premiums are quoted for either 6-month or annual policy periods. increases because insurers consider a bad driving record a major risk factor.

Although you may be labeled high-risk for many reasons, some factors raise rates more than others. For example, multiple speeding tickets may significantly raise car insurance rates, but so can a single ticket for excessive speed in a school zone.

Keep reading as we break down high-risk car insurance factors and rates.

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?

Drivers in Michigan are considered high-risk if they have a DUI, multiple speeding tickets, at-fault accidents, reckless driving convictions, insurance lapses, an SR-22 requirement or a poor driving history. Teen drivers and new drivers also often pay higher premiums. Insurance companies use different rating formulas, so classifications vary by insurer.

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

Progressive offers the cheapest average rates after a DUI in Michigan 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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What is the 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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Expert's Insight Two minor tickets can sometimes cost you more on your insurance than one major violation.

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

Progressive has the cheapest average reckless driving insurance rates in Michigan at $2,782 per year. Reckless driving convictions often result in substantial premium increases and fewer coverage options.

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

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Expert's 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 offers the cheapest average post-accident rates in Michigan at $2,425 annually. Progressive also provides relatively affordable rates at $2,858 per 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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Expert's Insight Accident forgiveness programs can prevent rate increases, but eligibility varies by insurer, and often only minor accidents qualify.

Which city is cheapest for high-risk car insurance in Michigan?

Adrian has the cheapest average high-risk insurance premiums in Michigan at $4,250 annually. Meanwhile, Dearborn has the highest average rates at $6,665 per year.

Where you live affects your insurance costs. Areas with more traffic, accidents or vehicle theft usually have higher insurance rates.

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?

High-risk drivers in Michigan can find lower rates by shopping around, avoiding further violations and taking a defensive driving course. 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 Michigandepends 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 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.

An SR-22 is not an insurance policy and doesn't require special 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:

Bodily injury liability of $100,000 per person and $300,000 per incident
Property damage liability of $100,000 per incident
Comprehensive and collision deductibles of $500
40-year-old driver
Honda Accord LX
Good credit
A clean driving record
12-mile commute, 10,000 annual mileage

Our data is then adjusted to reflect the rate increase from this base rate for the following infractions and issue:

DUI
Reckless driving
Multiple speeding tickets
Bad credit
One at-fault accident over $2,000

FAQ: High-risk car insurance in Michigan

Can high-risk drivers get full coverage car insurance in Michigan?

Yes, you can get full coverage insurance as a high-risk driver. However, you can expect it to cost a lot more than liability-only coverage.

Does an SR-22 automatically make your insurance more expensive in Michigan?

Although the SR-22 doesn't increase your rates, the reason for needing it does, since only drivers with major violations require an SR-22; rates will go up. An SR-22 is the form the insurance company has to file with the state, and by itself, it doesn't increase your rates.

Will my car insurance rates go down after three years in Michigan?

It's likely that your insurance will go down after three years, although, depending on the violation, you may still be paying higher rates than you were before it happened.