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For drivers that are high-risk in Michigan, it's important that you evaluate all of your potential insurance options to ensure you are finding the best rate. Comparing the right insurance companies after this incident will allow you to get the best possible insurance rate for drivers that are high-risk.
To simplify comparing companies, Insurify has analyzed rates from top insurance providers in Michigan. The following are the best insurance rates from carriers that offer car insurance for high-risk drivers in Michigan.
| Carrier | |
|---|---|
 Arrowhead | $324/mo |
 Liberty Mutual | $336/mo |
 American Family Insurance | $535/mo |
 Midvale Home & Auto | $574/mo |
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.
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 | |
|---|---|
| No Violation | $382 |
| Speeding Ticket | $398 |
| At-Fault Accident | $389 |
| Reckless Driving | $497 |
| Failure to Stop | $458 |
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:
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:
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:
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.
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.
Use Insurify for all of your car insurance comparison needs! Compare and connect directly with the top insurance companies to find the best rates as well as the most personalized discounts and coverage options.
Insurify’s network includes over 200 insurance companies throughout the U.S. who can work with you to get you the right auto insurance policy at the cheapest price.
The car insurance quotes, statistics, and data visualizations on this page are derived from Insurify’s proprietary database of over 4 million car insurance applications from ZIP codes across the United States. Insurify’s data science team performs a comprehensive analysis of the various factors car insurance providers take into account while setting rates to provide readers insight into how car insurance quotes are priced.
