Cheapest car insurance for drivers with an incident
It may be more difficult to secure cheap car insurance with incidents on your driving record. Insurance companies typically consider incidents like at-fault accidents, speeding tickets, DUIs, and other moving violations as risky behaviors.
Since insurance companies are required to pay for damages in Michigan, regardless of fault, any increased risky behavior could increase the cost of your policy. Michigan drivers could see the average cost of their policy increase significantly, depending on the type of incident.
Cheapest car insurance for drivers with a speeding ticket: Auto-Owners
Speeding tickets may affect the cost of your insurance in Michigan. Michigan operates on a point system, with drivers accumulating points for certain traffic convictions. Speeding infractions typically result in two to four points, depending on how many miles over the posted limit you were driving when pulled over. Multiple speeding tickets can be a sign that you’re a risky driver, and the cost of your car insurance could increase.
Drivers with a speeding ticket in Michigan pay an average of $212 per month for liability-only insurance.
The below rates are estimated rates current as of: Monday, July 1 at 12:00 PM PDT.
Insurance Company | Average Quote: Full Coverage | Average Quote: Liability Only |
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Auto-Owners | $134 | $75 |
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USAA | $134 | $76 |
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Chubb | $149 | $83 |
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Safeco | $201 | $128 |
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GEICO | $203 | $115 |
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Progressive | $213 | $144 |
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Nationwide | $273 | $155 |
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State Farm | $273 | $154 |
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Travelers | $322 | $182 |
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Direct Auto | $360 | $176 |
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Bristol West | $389 | $216 |
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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 for drivers with an at-fault accident: Auto-Owners
Drivers with at-fault accidents may accumulate points on their driving record and pay more for car insurance. Drivers with six or more violations or accumulating 12 points within two years must retake their driver’s test. But if you've had a clean driving record for three years or longer, buying accident forgiveness coverage can keep your rates stable in case you do cause an accident.
Michigan drivers with an at-fault accident on their record pay an average of $421 per month for a full-coverage policy.
The below rates are estimated rates current as of: Monday, July 1 at 12:00 PM PDT.
Insurance Company | Average Quote: Full Coverage | Average Quote: Liability Only |
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Auto-Owners | $141 | $80 |
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USAA | $143 | $81 |
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Chubb | $157 | $88 |
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Safeco | $205 | $130 |
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GEICO | $217 | $123 |
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Progressive | $230 | $156 |
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Nationwide | $291 | $165 |
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State Farm | $292 | $165 |
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Travelers | $343 | $194 |
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Direct Auto | $391 | $192 |
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Bristol West | $411 | $229 |
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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 for drivers with a DUI: Auto-Owners
Michigan law allows insurance companies to deny insurance coverage to drivers with a history of a DUI in the past three years. Since drivers with a DUI conviction are considered higher risk (and may even require an SR-22 certificate), drivers should expect to pay a higher premium.
If you’ve been convicted of a DUI in Michigan, you might pay a monthly average of $261 for liability-only insurance and $487 for full-coverage insurance.
Drivers with a DUI conviction may have fewer options, but some insurers still offer affordable quotes, as seen below.
The below rates are estimated rates current as of: Monday, July 1 at 12:00 PM PDT.
Insurance Company | Average Quote: Full Coverage | Average Quote: Liability Only |
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Auto-Owners | $178 | $100 |
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USAA | $179 | $101 |
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Chubb | $195 | $109 |
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Safeco | $265 | $168 |
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GEICO | $271 | $154 |
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Progressive | $284 | $192 |
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Nationwide | $361 | $204 |
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State Farm | $368 | $208 |
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Travelers | $426 | $241 |
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Direct Auto | $479 | $235 |
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Bristol West | $521 | $290 |
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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.