Car Insurance for High-Risk Drivers in Michigan (2025)

High-risk drivers in Michigan usually pay higher car insurance rates than people with a clean record. See which companies have the cheapest rates for different violations.

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Cheapest recent rates in Michigan for drivers with a traffic citation

Drivers using Insurify have found quotes as cheap as $68/mo for liability only and $122/mo for full coverage in Michigan.

*Quotes generated for Insurify users from Michigan within the last 10 days. Last updated on May 7, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.

Rates shown are real-time Insurify user quotes from 120+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from May 7, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.

*Quotes generated for Insurify users from Michigan within the last 10 days. Last updated on May 7, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.

Rates shown are real-time Insurify user quotes from 120+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from May 7, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.
Elizabeth Rivelli
Elizabeth Rivelli
  • 5+ years writing insurance and personal finance topics

  • Auto, home, health, and life insurance expertise

Elizabeth has extensive insurance industry experience, having written for Insureon, Rate Retriever, and Insurify. She’s also finance and insurance editor for Car and Driver.

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Sara Getman
Edited bySara Getman
Sara Getman
Sara GetmanAssociate Editor

Sara Getman is an Associate Editor at Insurify and has been with the company since 2022. Prior to joining Insurify, Sara completed her undergraduate degree in English Literature at Simmons University in Boston. At Simmons, she was the Editor-in-Chief for Sidelines Magazine (a literary and art publication), and wrote creative non-fiction.

Outside of work, Sara is an avid reader, and loves rock climbing, yoga, and crocheting.

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Car insurance is a legal requirement in Michigan, and it provides important financial protection for your liabilities and your vehicle. But if you’re a high-risk driver, you might have difficulty purchasing affordable coverage.

The average cost of car insurance for high-risk drivers in Michigan is $246 per month, and the average premium for a driver with a clean record is $217.

While it’s hard to determine the actual number of high-risk drivers in Michigan, the state saw a 15% increase in traffic fatalities between 2018 and 2022. Additionally, more than 40% of fatal crashes in 2023 involved alcohol or drugs.[1] [2]

Here’s what high-risk drivers in Michigan need to know about finding affordable car insurance.

Quick Facts
  • Michigan uses a points system to determine which drivers are the highest-risk.

  • Points stay on your record for two years unless you have repeat convictions.

  • Drivers with DUIs tend to pay the most for insurance, with an average premium of $296 per month.

Who is a high-risk driver in Michigan?

A high-risk driver in Michigan usually refers to someone who has serious violations on their record, such as a DUI or multiple at-fault accidents within a short period. People who lose their driving privileges for any reason may also be considered high-risk.

Michigan uses a points system to determine which drivers are high-risk. Each traffic violation conviction adds a certain number of points to your driving record and remains for two years from the time of conviction. Here are some examples of violations and their point values:

  • Driving 6 to 10 mph over the speed limit: 2 points

  • Disobeying a traffic signal: 3 points

  • Driving 16 mph or more over the speed limit: 4 points

  • Driving impaired: 4 points

  • Accident causing injury or death: 6 points

  • Reckless driving: 6 points

After receiving six or more one-point violations, or 12 or more points within two years, you must complete a driver assessment re-examination.[3]

Find Cheap Car Insurance in Michigan

Monthly rates start at $68 for drivers with an incident

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Best Michigan auto insurance companies for high-risk drivers

The cost of high-risk car insurance in Michigan can vary depending on the specific traffic violations on a person’s record. But when shopping for high-risk auto insurance, it’s important to consider factors besides the premium. These companies have some of the best car insurance for high-risk drivers in the Great Lakes State.

USAA: Best for military families

User Reviews
4.9
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
9.4 /10
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$59/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$107/mo
4.9
Best choiceBased on 2,029 verified guest reviews and ratings
How drivers feel about USAA

Customers appreciate the insurer’s reliable customer service and claim handling but express concerns about high rates and frequent price increases. Some also find the insurer’s security protocols and communication methods frustrating.

AI-generated from the text of verified reviews collected by Insurify
Best For
Members of the military community
Outstanding customer service
Competitive rates
How drivers feel about USAA

Customers appreciate the insurer’s reliable customer service and claim handling but express concerns about high rates and frequent price increases. Some also find the insurer’s security protocols and communication methods frustrating.

AI-generated from the text of verified reviews collected by Insurify
Best For
Members of the military community
Outstanding customer service
Competitive rates
Reviews (1,164)

William

May 7, 2025

Verified Review

High monthly rate for good driving records.

The monthly rate is way too high for someone with my very good driving record. Insurance rates should not be allowed to be based on credit ratings.

Lina

May 6, 2025

Verified Review

Good Old USAA

Great and cheaper than others!

Frank

May 6, 2025

Verified Review

USAA is a Great Insurer

USAA has always been a great insurer. Currently, I feel their cost is on the high side, so I thought I'd view the competition.
See all USAA reviews
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
880
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
1.35
A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++
Why we picked this company

USAA is a good option for high-risk drivers who are part of the military community. It earned the top rating for overall customer satisfaction in the North Central region in the J.D. Power 2024 U.S. Auto Insurance Study. Additionally, USAA offers a variety of discounts to drivers in Michigan and has two usage-based insurance (UBI) programs that can help you save on premiums and encourage safe driving.

Pros
  • Highest customer satisfaction score from J.D. Power

  • Big selection of discounts

  • Safe driver and UBI programs

Cons
  • Available only to eligible military personnel and family members

  • Fewer endorsements than some competitors

  • Requires more information to get a quote than other companies

Nationwide: Best for coverage options

User Reviews
4.4
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
8.7 /10
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$118/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$215/mo
4.4
Best choiceBased on 854 verified guest reviews and ratings
How drivers feel about Nationwide

Drivers appreciate the helpful and knowledgeable customer service but dislike the frequent and significant rate increases. Some also found the claims process to be slow and frustrating.

AI-generated from the text of verified reviews collected by Insurify
Best For
Usage-based savings
Accident forgiveness
Recreational vehicle coverage
How drivers feel about Nationwide

Drivers appreciate the helpful and knowledgeable customer service but dislike the frequent and significant rate increases. Some also found the claims process to be slow and frustrating.

AI-generated from the text of verified reviews collected by Insurify
Best For
Usage-based savings
Accident forgiveness
Recreational vehicle coverage
Reviews (480)

Xavier

May 4, 2025

Verified Review

Shopping Around

I have been with Nationwide for a very long time. I have had home and auto claims. They were fair. Their processes were efficient. I received my compensation without any issues. It's long overdue that I review my options.

Fred

May 3, 2025

Verified Review

Average

The experience with the car coverage was excellent. The house not so good.

Ruth

April 28, 2025

Verified Review

Overall experience has been great. Just looking for better pricing

Excellent
See all Nationwide reviews
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
815
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.64
A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A+
Why we picked this company

Nationwide can be an excellent auto insurance company for high-risk drivers who want to customize their car insurance. The company offers multiple endorsements, including gap insurance, accident forgiveness, vanishing deductible, and roadside assistance. 

Nationwide offers 11 car insurance discounts, including a generous insurance policy bundling discount, but high-risk drivers may not qualify for all of them. If you need coverage quickly, most drivers can purchase a policy and get proof of coverage the same day.

Pros
  • Excellent variety of endorsements

  • High J.D. Power customer satisfaction rating in the North Central region

  • Has online quotes

Cons
  • Several discounts available only to drivers with a clean record

  • More expensive average rates than some competitors

  • Fewer car insurance discounts than other companies

GEICO: Best for discounts

User Reviews
4.1
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
9 /10
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$148/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$178/mo
4.1
Best choiceBased on 11,760 verified guest reviews and ratings
How drivers feel about GEICO

Customers appreciate the reliability and customer service but find the rates to be high and increase frequently, even without claims or accidents. The app has improved, but some find the claims process lacking.

AI-generated from the text of verified reviews collected by Insurify
Best For
Teen drivers
Cheap rates
Accident forgiveness
How drivers feel about GEICO

Customers appreciate the reliability and customer service but find the rates to be high and increase frequently, even without claims or accidents. The app has improved, but some find the claims process lacking.

AI-generated from the text of verified reviews collected by Insurify
Best For
Teen drivers
Cheap rates
Accident forgiveness
Reviews (6,367)

Howard

May 7, 2025

Verified Review

Looking for better premiums

It seems expensive, especially when I bundle my motorcycle too.

Lisa

May 7, 2025

Verified Review

Look elsewhere

Expensive. My bill keeps going up.

Chester

May 7, 2025

Verified Review

The best price in an overpriced industry

Best price I could find by hundreds, but not cheap.
See all GEICO reviews
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
835
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.74
A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++
Why we picked this company

High-risk drivers in Michigan often pay expensive car insurance rates, but GEICO offers many discounts to potentially reduce your premium. GEICO provides savings for cars with anti-lock brakes and daytime running lights, insuring a new vehicle, taking a defensive driving course, insuring multiple cars, owning a home, and many others. 

The company also has more affordable average premiums than some competitors, based on Insurify data. But J.D. Power rated GEICO below average in claims satisfaction and customer satisfaction.

Pros
  • Offers more than 20 car insurance discounts

  • More affordable average premiums

  • Highly rated mobile app

Cons
  • Below-average J.D. Power customer satisfaction rating in the North Central region

  • Low claims satisfaction rating from J.D. Power

  • Limited car insurance endorsements

  • When choosing the best car insurance companies for high-risk drivers, we compared factors like costs for drivers with an incident, available discounts, customer service options, customer satisfaction ratings, and overall financial stability. The companies we’ve listed above offer competitive rates, a range of discounts, accessible customer service teams, and high customer satisfaction and financial stability ratings.

Cheapest car insurance in Michigan with an at-fault accident

Michigan drivers with an at-fault accident on their record typically pay more for insurance than people with a clean record. Causing an accident makes you riskier to insure, so insurance companies charge you higher rates. Below, you can see which Michigan car insurance companies have the cheapest rates for drivers with an at-fault accident.

The below rates are estimated rates current as of: Thursday, May 1 at 12:00 PM PDT
Insurance Company
sort ascsort desc
Average Quote: Liability Only
sort ascsort desc
Average Quote: Full Coverage
sort ascsort desc
Auto-Owners$71$130
USAA$72$130
Chubb$78$141
State Farm$144$264
Nationwide$145$263
Progressive$148$217
Safeco$148$256
Travelers$170$311
Direct Auto$184$372
Bristol West$207$383
Liberty Mutual$256$358
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest car insurance in Michigan with a DUI

A DUI conviction is one of the most serious traffic violations you can receive in Michigan. Drivers with a DUI typically pay some of the highest car insurance rates. Additionally, you may need an SR-22, which some insurers don’t offer. The table below includes the cheapest car insurance companies in Michigan for drivers with a DUI conviction.

The below rates are estimated rates current as of: Thursday, May 1 at 12:00 PM PDT
Insurance Company
sort ascsort desc
Average Quote: Liability Only
sort ascsort desc
Average Quote: Full Coverage
sort ascsort desc
Auto-Owners$86$158
USAA$88$159
Chubb$95$173
Safeco$169$293
Progressive$176$257
Nationwide$176$320
State Farm$179$326
Travelers$207$378
Direct Auto$219$443
Bristol West$253$467
Liberty Mutual$296$414
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest auto insurance in Michigan with a speeding ticket

Getting pulled over for speeding in Michigan can lead to higher car insurance premiums. And depending on how fast you were driving over the legal speed limit, it can add between two and four points to your record. Below are the cheapest auto insurance companies for Michigan drivers with a speeding ticket.

The below rates are estimated rates current as of: Thursday, May 1 at 12:00 PM PDT
Insurance Company
sort ascsort desc
Average Quote: Liability Only
sort ascsort desc
Average Quote: Full Coverage
sort ascsort desc
Auto-Owners$70$127
USAA$70$126
Chubb$76$137
State Farm$140$255
Progressive$140$206
Nationwide$140$256
Safeco$141$244
Travelers$166$303
Direct Auto$175$354
Bristol West$203$376
Liberty Mutual$250$350
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

How to find cheaper car insurance for high-risk drivers in Michigan

If you’re a high-risk driver looking for cheaper car insurance in Michigan, here are some strategies that may reduce your premium:[4]

  • Look for discounts. Many car insurance companies in Michigan offer discounts that can help you get cheaper car insurance. For example, you can often save money for having a new vehicle, paying your annual premium in full, and enrolling in automatic payments.

  • Bundle your policies. To save money on car insurance, consider bundling multiple policies, like car insurance with home insurance or renters insurance. Many insurers offer savings for drivers who purchase two or more policies.

  • Choose higher deductibles. Higher deductibles for collision and comprehensive insurance policies can lower your car insurance premium. But make sure you can afford to pay a higher deductible out of pocket if you have to file a claim.

  • Compare multiple quotes. To find the cheapest auto insurance as a high-risk driver, shop around and compare quotes from a few insurance companies.

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How to improve your driving record in Michigan

High-risk drivers in Michigan can improve their driving record to lower the cost of their car insurance. Here are several tips to get started:

  • illustration card https://a.storyblok.com/f/162273/x/ba9869f2f9/defensive-driving.svg

    Take a defensive driving course

    If you complete a Basic Driver Improvement Course in Michigan, you could avoid having points reported to your insurance company. Not only can this improve your driving record, but you might also qualify for a car insurance discount.

  • illustration card https://a.storyblok.com/f/162273/150x150/49d45eba98/law-and-justice-96x96-orange_038-law.svg

    Seek legal help for traffic violations

    If you have serious violations on your record, consider speaking to a lawyer about ways to remove those infractions or lessen their effect on your driving record. For example, an attorney could help you petition to expunge a DUI before the conviction is automatically removed.

  • illustration card https://a.storyblok.com/f/162273/150x150/88cafa9580/law-and-justice-96x96-yellow_027-dossier.svg

    Dispute errors on your record

    It’s a good idea to review your driving record for accuracy and dispute any errors. If you find mistakes, contact the Michigan Secretary of State at 1 (888) SOS-MICH to get assistance.

Michigan high-risk drivers insurance FAQs

If you’re shopping for high-risk car insurance in Michigan, here’s some additional information that can help as you compare insurers and rates.

  • What makes you a high-risk driver in Michigan?

    A high-risk driver in Michigan is usually someone with multiple traffic violations, a serious violation like a DUI conviction, or a certain number of points on their record.

  • How do auto insurance companies calculate risk in Michigan?

    Michigan auto insurance companies consider a variety of factors when calculating risk and setting premiums. In addition to a person’s driving record, insurers also look at their age, vehicle type, claim history, mileage, and insurance history.

  • What is the cheapest insurance company for Michigan high-risk drivers?

    Auto-Owners offers the cheapest car insurance for high-risk drivers in Michigan, with average liability rates of $68 per month. 

    But car insurance premiums are different for each driver, so there isn’t a single company that’s the cheapest for every high-risk driver. To find the cheapest auto insurance for your situation, it’s important to compare rates from multiple companies.

  • How much does high-risk auto insurance cost in Michigan?

    The average cost of high-risk auto insurance in Michigan is $246 per month. To compare, the average insurance rate for a driver with a clean record is $217.

Methodology

Insurify data scientists analyzed more than 90 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 50+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.

Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).

Liability-only premium averages correspond to policies with the following coverage limits:

  • Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
  • Property damage limits between $10,000 and $50,000
  • No additional coverage
Full-coverage premium averages correspond to the same bodily injury and property damage limits in addition to:
  • Comprehensive coverage with a $1,000 deductible
  • Collision coverage with a $1,000 deductible

Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.

Sources

  1. Michigan.gov. "Michigan traffic fatalities remain alarmingly high."
  2. Michigan.gov. "Impaired Driving in Michigan."
  3. Michigan.gov. "Your Driving Record."
  4. III. "Nine ways to lower your auto insurance costs."
Elizabeth Rivelli
Elizabeth Rivelli

Elizabeth Rivelli is a freelance writer covering insurance and personal finance. She has extensive knowledge of various insurance lines, including property and casualty, health, and life insurance. Her byline has been featured in dozens of publications, including Investopedia, Forbes, Bankrate, NextAdvisor, and Insurance.com. 

Elizabeth has been a contributor at Insurify since October 2022.

Sara Getman
Edited bySara GetmanAssociate Editor
Sara Getman
Sara GetmanAssociate Editor

Sara Getman is an Associate Editor at Insurify and has been with the company since 2022. Prior to joining Insurify, Sara completed her undergraduate degree in English Literature at Simmons University in Boston. At Simmons, she was the Editor-in-Chief for Sidelines Magazine (a literary and art publication), and wrote creative non-fiction.

Outside of work, Sara is an avid reader, and loves rock climbing, yoga, and crocheting.

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