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Michigan Car Insurance for High Risk Drivers (With Quotes)
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| Reviewed by licensed insurance agent, Amber Benka
Last Updated March 9, 2022
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Cheapest Insurance Companies for High Risk Drivers in Michigan (2022)
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 | Avg. Monthly Cost |
|---|---|
| Arrowhead | $324 |
| Liberty Mutual | $336 |
| American Family Insurance | $535 |
| Midvale Home & Auto | $574 |
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.
Michigan Car Insurance Rates for High-Risk Drivers
No Violation$382
At-Fault Accident$389
Speeding Ticket$398
Failure to Stop$458
Reckless Driving$497
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.
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 | $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:
No Violation - Avg. Monthly Rate$382
Speeding ticket - Avg. Monthly Rate$398
$16 ▴
Avg. Monthly Rate Increase
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:
No Violation - Avg. Monthly Rate$382
Speeding ticket - Avg. Monthly Rate$389
$7 ▴
Avg. Monthly Rate Increase
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:
No Violation - Avg. Monthly Rate$382
Speeding ticket - Avg. Monthly Rate$458
$76 ▴
Avg. Monthly Rate Increase
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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.
Compare Top Auto Insurance Companies
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. See All Auto Insurance Companies
FAQs - Michigan Car Insurance
There are many different factors that go into the how expensive your car insurance is. That said, some of the reasons why you could be paying so much for your insurance include: living in a state with high minimum insurance requirements, being a young or new driver, committing past traffic offenses like at-fault accidents or DUIs, and having a low credit score.
Auto insurance costs will vary between locations and insurance carriers, depending on the county Michigan. Insurify analyzed the latest data for the five most populous cities in Michigan to find you the cheapest quotes in each of these metropolitan areas.
The way to find the carrier with the best auto insurance ratings in Michigan and save on your insurance premiums is to compare quotes from all companies in your area. Use a car insurance quotes comparison site like Insurify to compare up to 10+ real quotes for your specific driver profile and unlock savings and discounts. Rates can fluctuate greatly based on whether you're a safe driver or a high risk one, but you should never overpay. Insurify provides the cheapest car insurance quotes and companies in your area in just a few seconds.
During the past three years in the United States, national premium costs have risen an average of 4.5 percent annually. In states where quotes have risen, this figure has been 7.8 percent; and in those where rates have fallen, prices have decreased by approximately 6.0 percent. Individual rates by state will of course vary depending on the driver’s history and a multitude of factors.
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Methodology
The car insurance quotes displayed are based on an analysis of Insurify’s database of over 40 million quotes from 500 ZIP codes nationwide. To obtain representative rates, Insurify’s data science team performs frequent comprehensive analyses of the factors car insurance providers weigh to calculate rates including driver demographics, driving record, credit score, desired coverage level, and more.
Insurify’s analysis also incorporates the Insurify Composite Score (ICS) assigned to each insurance provider. The ICS is a proprietary rating that weighs multiple factors reflecting the quality, reliability, and health of an insurance company. Ratings used to calculate the ICS include Financial Strength Ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings; Consumer Reports customer satisfaction surveys and customer complaints; mobile app reviews; and user-generated company reviews.
With the above insights and ranking methods, Insurify is able to offer car insurance shoppers insight into how various insurance providers compare to one another in terms of both cost and quality. Note, actual quotes will vary based on unique attributes including the policyholder’s driver history and their garaging address.
Content Writer at Insurify
A former licensed insurance producer, Courtney Levin has been a freelance writer since 2016. She graduated from Sonoma State University with a degree in Communications and has been creating content for Insurify for nearly two years.
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