How to Find the Best Car Insurance
for High Risk Drivers in Michigan
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- Car Insurance in Michigan
- High-Risk Car Insurance in Michigan
What Makes a Driver High-Risk in Michigan?
Auto insurance in Michigan is often more expensive than in other parts of the nation, so it's in the best interest of residents to keep their costs low. High-risk driving behavior, like speeding or driving recklessly, may cause your premiums to soar, placing an even stronger emphasis on safety behind the wheel.
Should you find that you are now considered a high-risk motorist, it's advised that you shop around for car insurance. You will definitely still have options available when it comes time to enroll, although prices may be higher than you expected.
Insurify's comparison tool will help you make sure you're getting the best possible quote even after high risk driving violation. You can have peace of mind you're not paying any more than need to, and customers save $48 per month on average.
What’s in the Michigan High-Risk Car Insurance Guide?
- What Are the Best Car Insurance Companies for High-Risk Drivers in Michigan?
- How Much Does High-Risk Driving Affect Car Insurance Rates in Michigan?
- How Much Does a Speeding Ticket Impact Car Insurance Rates in Michigan?
- How Does an at-Fault Accident Impact Insurance Rates in Michigan?
- How Much Does Failure to Stop for a Red Light or Stop Sign Impact Car Insurance Rates in Michigan?
- Does Driving With a Suspended License Impact Car Insurance Rates in Michigan?
What Are the Best Car Insurance Companies for High-Risk Drivers in Michigan?
Living in Michigan is ideal for many people, and paying hundreds of dollars per month for car insurance is simply something that comes along with the territory. However, high-risk drivers may find that their rates become excessively high based on their record on the road. Some of the more popular carriers in Michigan tend to charge prices that look similar to these averages:
| Carrier | Avg. Monthly Cost |
|---|---|
| Arrowhead | $324 |
| Liberty Mutual | $336 |
| American Family Insurance | $535 |
| Midvale Home & Auto | $574 |
How Much Does High-Risk Driving Affect Car Insurance Rates in Michigan?
Depending on the circumstances surrounding your driving violation, you could find that your average insurance costs are more expensive than your car payment. Actions like driving with a suspended license, speeding, and causing an accident may easily boost your rates to near or over $400 per month.
When high-risk drivers are faced with paying such high rates, they are wise to make sure they're getting the best policy for their needs. Make sure to consider the type of coverage you have, and take the following average costs into consideration before you enroll:
| Driving History | Avg. Monthly Cost |
|---|---|
| No Violation | $382 |
| Speeding Ticket | $398 |
| At-Fault Accident | $389 |
| Reckless Driving | $497 |
| Failure to Stop for Red Light / Stop Sign | $458 |
How Much Does a Speeding Ticket Impact Car Insurance Rates in Michigan?
Do you have an extra $200 to waste each year? Most people in Michigan would probably say no, but that's what you might be facing should you get a speeding ticket. This expense is divided over a year's worth of insurance payments and could look like this:
How Does an at-Fault Accident Impact Insurance Rates in Michigan?
At-fault accidents can happen often in Michigan due to inclement weather, but drivers will find that their car insurance prices still go up after this type of violation. Those who cause an accident are considered to be a higher risk and may find their new rates are similar to these:
How Much Does Failure to Stop for a Red Light or Stop Sign Impact Car Insurance Rates in Michigan?
If you're trying to stick to a budget, it's smart to do everything you can to keep your car insurance rates low. Michigan drivers who fail to stop at a stop sign or a red light could find their annual car insurance premiums increase by over $900, depending on the circumstances of the violation:
Does Driving With a Suspended License Impact Car Insurance Rates in Michigan?
Auto insurance in Michigan is often more expensive than in other parts of the nation, so it's in the best interest of residents to keep their costs low. High-risk driving behavior, like speeding or driving recklessly, may cause your premiums to soar, placing an even stronger emphasis on safety behind the wheel.
Should you find that you are now considered a high-risk motorist, it's advised that you shop around for car insurance. You will definitely still have options available when it comes time to enroll, although prices may be higher than you expected.
Tips for Researching High-Risk Michigan Car Insurance Rates
Insurance prices and policies can vary significantly between companies, and a large and growing state like Michigan draws a wide variety of choices when factoring high-risk driving insurance rates.
Insurify''s rate comparison tool will help you make sure you''re getting the best possible quote based on your needs and location. You can have peace of mind you''re not paying any more than you need to, and customers save $585 per year on average.
