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.

Secure. Free. Easy-to-use.
Excellent
State farm LogoProgressive LogoAllstate LogoLiberty Mutual LogoFarmers LogoThe General Logo120+ more

Cheapest recent rates in Michigan for drivers with a traffic citation

Drivers using Insurify have found quotes as cheap as $69/mo for liability only and $111/mo for full coverage in Michigan.

*Quotes generated for Insurify users from Michigan within the last 10 days. Last updated on July 1, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.

Rates shown are real-time Insurify user quotes from 500+ 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 July 1, 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 July 1, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.

Rates shown are real-time Insurify user quotes from 500+ 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 July 1, 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.

Featured in

media logomedia logomedia logo
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.

Updated

Why you can trust Insurify: Comparing accurate insurance quotes should never put you at risk of spam. We earn an agent commission only if you buy a policy based on our quotes. Our editorial team follows a rigorous set of editorial standards and operates independently from our insurance partners. Learn more.
Advertiser Disclosure

At Insurify, our goal is to help customers compare insurance products and find the best policy for them. We strive to provide open, honest, and unbiased information about the insurance products and services we review. Our hard-working team of data analysts, insurance experts, insurance agents, editors and writers, has put in thousands of hours of research to create the content found on our site.

We do receive compensation when a sale or referral occurs from many of the insurance providers and marketing partners on our site. That may impact which products we display and where they appear on our site. But it does not influence our meticulously researched editorial content, what we write about, or any reviews or recommendations we may make. We do not guarantee favorable reviews or any coverage at all in exchange for compensation.

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 $256 per month, and the average premium for a driver with a clean record is $205.

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 $330 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 $69 for drivers with an incident

Secure. Free. Easy-to-use.
Based on 3,806+ reviews
4.8/5
Shopper Approved
ProgressiveLiberty MutualAllstate

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.
9.1 /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.
$58/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.
$105/mo
4.9
Best choiceBased on 2,100 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 (1,192)

John

June 17, 2025

Verified Review

USAA Critique

High exposure in the South and East leads to higher premiums. They do have a SafePilot program, which I use. They also have a cashback program, which I use.

Marlon

June 15, 2025

Verified Review

Don't let them hook you

Don't renew with USAA the first year. Go to another company for the first 6 months after your USAA policy expires. Then, when that one expires, check back with USAA for the following 6-month period. USAA will give a better rate when you come back than they would have if you had stayed with them all along.

Timothy

June 10, 2025

Verified Review

The Old Bait and Switch

There's no flexibility, and if you miss your first payment by a day, they will cancel your policy. Then, they make you get a new quote and double the price for half the coverage. It's unbelievable that they treat veterans and their families like that.
See all USAA reviews
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
739
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
1.31
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
4.3
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.
$117/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.
$212/mo
4.3
Best choiceBased on 866 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 (485)

David

June 26, 2025

Verified Review

Switching to Progressive

Don't get Roadside Assistance. We were stuck 800 miles from home with a flat tire and were told they could not find anyone to assist us. Thank God there was a Les Schwab Tire Center in town.

Bettye

June 10, 2025

Verified Review

BG's Lament

They will not give you a bundle price, and are higher than other companies. You wonder if you are being given all the reductions allowed for a good driving record, living in Florida.

Nicholas

May 14, 2025

Verified Review

Poor

Nationwide is very overpriced for what they offer.
See all Nationwide reviews
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
641
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.7
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
4.0
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.
9.2 /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.
$184/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.
$236/mo
4.0
Best choiceBased on 11,987 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 (6,431)

Deejane

June 30, 2025

Verified Review

Geico Forever

All good for over 50 years.

Joshua

June 30, 2025

Verified Review

GEICO has the best rates

Thank you for your service.

Amanda

June 28, 2025

Verified Review

GEICO

GEICO has the best rate for the coverage I need. Their customer service can be hit or miss, but for the most part, it has been good.
See all GEICO reviews
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
637
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.59
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: Monday, June 16 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$77$140
USAA$78$142
Chubb$85$153
State Farm$159$289
Nationwide$159$288
Progressive$164$315
Safeco$167$288
Travelers$187$339
Direct Auto$206$407
National General$212$362
Bristol West$226$413
GEICO$263$337
Liberty Mutual$269$362
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ 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: Monday, June 16 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$88$160
USAA$89$162
Chubb$97$176
Nationwide$180$327
State Farm$183$333
Progressive$183$351
Safeco$189$324
Travelers$213$385
Direct Auto$230$453
National General$245$417
Bristol West$257$470
GEICO$296$380
Liberty Mutual$302$407
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ 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: Monday, June 16 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$67$122
USAA$67$122
Chubb$73$133
State Farm$136$248
Nationwide$137$248
Progressive$138$265
Safeco$141$243
Travelers$162$293
Direct Auto$174$343
National General$184$314
Bristol West$196$359
GEICO$203$260
Liberty Mutual$234$315
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ 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.

Compare Michigan Car Insurance Quotes

Score the best car insurance rates for your record

Secure. Free. Easy-to-use.
Based on 3,806+ reviews
4.8/5
Shopper Approved
ProgressiveLiberty MutualAllstate

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 $69 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 $256 per month. To compare, the average insurance rate for a driver with a clean record is $205.

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 500+ 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.

Compare Car Insurance Quotes Instantly

Secure. Free. Easy-to-use.
Based on 3,806+ reviews
4.8/5
Shopper Approved
ProgressiveLiberty MutualAllstate