Car insurance rates in Michigan are traditionally calculated based on a driver’s age, auto make and model, driving history and other personal information. However, for high-risk drivers in Michigan, car insurance rates may be higher due to their increased risk to an insurance company.
High-risk drivers include those who have two or more traffic violations, at-fault accidents, DUIs, poor credit scores or no prior car insurance coverage.
We have created this guide to make your search for car insurance for high-risk drivers hassle-free. It provides details on how auto insurance rates change based on infractions like speeding tickets, at-fault accidents and DUI. It also reveals the cheapest car insurance companies for high-risk drivers based on driving profile in Michigan.
- High-risk drivers have minor violations like speeding tickets or major violations like DUI convictions or lapses in insurance coverage.
- Drivers in Michigan pay 38% more for auto insurance for a ticket for driving 1-10 mph over the speed limit than without a violation.
- If you are convicted of DUI or DWI in Michigan, you can expect your car insurance rates to increase 162% more for auto insurance.
- An at-fault accident increases car insurance rates by 56% in Michigan, based on a data analysis by CarInsurance.com.
Who is a high-risk driver in Michigan?
Drivers of all age groups, those with or without experience, can be categorized as high-risk drivers by car insurance companies in Michigan if they have minor violations like speeding tickets or major violations like DUI conviction or a lapse in insurance coverage.
Car insurance rates for high-risk drivers by driving profile in Michigan
The experts at CarInsurance.com have analyzed the rates for high-risk drivers based on driving profile for drivers with – speeding tickets, DUI offenses and at-fault accidents.
Here’s how each of the violations affect car insurance rates in Michigan.
Speeding tickets
In Michigan, car insurance rates increase based on the speeding limits you violate. For example, a driver who drives 1-10 MPH over the speed limit will pay 38% more for auto insurance than before having a speeding ticket.
Michigan drivers with speeding ticket violations for driving 11-29 mph over the limit pay 48% higher rates than drivers without speeding tickets. Whereas Michigan drivers with speed violations of more than 30 mph will pay 56% higher rates than drivers without speeding tickets.
Find out how much car insurance rates increase after a speeding ticket violation in Michigan.
| Violation | Rates before speeding ticket | Rates after speeding ticket | $ difference | % increase |
|---|---|---|---|---|
| Speeding ticket 1-10 MPH over limit | $2,352 | $3,248 | $896 | 38% |
| Speeding ticket 11-29 MPH over limit | $2,352 | $3,477 | $1,125 | 48% |
| Speeding 30+ over limit | $2,352 | $3,679 | $1,327 | 56% |
Learn more: How much your insurance goes up after a speeding ticket
Cheapest car insurance companies in Michigan for drivers with speeding tickets
In Michigan, Progressive offers the cheapest car insurance for drivers with a speeding ticket at $2,548 annually. The car insurance rates offered by Progressive increase by $479 after the speeding ticket violation.
| Company | Rates before speeding ticket | Rates after speeding ticket | $ difference | % difference |
|---|---|---|---|---|
| Progressive | $2,069 | $2,548 | $479 | 23% |
| GEICO | $1,553 | $2,884 | $1,331 | 86% |
| Auto-Owners | $2,085 | $2,904 | $820 | 39% |
| Travelers | $1,817 | $3,490 | $1,673 | 92% |
| Auto Club Group – ACG (AAA) | $2,537 | $4,918 | $2,381 | 94% |
| State Farm | $3,698 | $5,619 | $1,921 | 52% |
| USAA* | $1,514 | $2,077 | $562 | 37% |
DUI offense
If you are convicted of driving under the influence (DUI) or DWI (driving while intoxicated) or OUI (operating under the influence) in Michigan, you can expect your car insurance rates to increase by 162% on an average, according to 2023 CarInsurance.com data.
| Violation | Rates without a DUI | Rates after a DUI | $ difference | % difference |
|---|---|---|---|---|
| DUI/DWI first offense | $2,352 | $6,163 | $3,811 | 162% |
| DUI/DWI second offense | $2,352 | $11,289 | $8,937 | 380% |
Here’s how much your insurance goes up after a DUI
Cheapest car insurance companies in Michigan for drivers with a DUI
Progressive offers the cheapest car insurance rates for drivers with a DUI at $2,412 per year, in Michigan. The rate increases by $3,811 after getting a DUI offense on your driving history.
The second cheapest car insurance for high-risk drivers with DUI is offered by Auto-Owners at $4,672 a year.
See below for the auto insurance premiums offered by companies in Michigan for drivers with a DUI.
| Company | Rates before DUI offense | Rates after 1st DUI offense | Rates after 2nd DUI offense | % change after 1st DUI | % change after 2nd DUI |
|---|---|---|---|---|---|
| Progressive | $2,069 | $2,412 | $3,118 | 17% | 51% |
| Auto-Owners | $2,085 | $4,672 | $10,064 | 124% | 383% |
| Auto Club Group – ACG (AAA) | $2,537 | $6,475 | $12,912 | 155% | 409% |
| Travelers | $1,817 | $7,138 | $12,956 | 293% | 613% |
| State Farm | $3,698 | $9,123 | $20,311 | 147% | 449% |
| Geico | $1,553 | $10,831 | $18,540 | 597% | 1094% |
| USAA* | $1,514 | $2,722 | $3,091 | 80% | 104% |
At-fault accident
After an at-fault collision, your car insurance premiums could spike in Michigan – unless you’ve added endorsements like accident forgiveness to your coverage.
According to a 2023 rate analysis by CarInsurance.com, on average, after an at-fault accident, car insurance rates increase by 56%.
However, there are states where car insurance companies provide coverage to the policyholder irrespective of who was responsible for the collision or cover the medical expenses of the other driver. They are referred to as no-fault states and tort states.
Learn more: How much does car insurance go up after an accident?
Cheapest car insurance companies in Michigan for drivers with at-fault accidents
If you are looking for the cheapest car insurance for drivers with an at-fault accident, Auto-Owners is your best bet. It offers insurance at $2,425 per year.
| Company | Rates before an at-fault accident | Rates after an at-fault accident |
|---|---|---|
| Auto-Owners | $2,085 | $2,425 |
| Progressive | $2,069 | $2,859 |
| Auto Club Group – ACG (AAA) | $2,537 | $3,708 |
| Geico | $1,553 | $4,110 |
| Travelers | $1,817 | $4,328 |
| State Farm | $3,698 | $4,376 |
| USAA* | $1,514 | $2,207 |
Reckless driving
Reckless driving is a grave offense with serious consequences. Unlike other traffic violations, it is usually classified as a misdemeanor. It carries severe penalties such as hefty fines or even imprisonment, depending on the state laws, according to Findlaw, an online legal information resource.
Compare the car insurance rates for drivers with and without a reckless driving violation in Michigan.
| Violation | Reckless driving |
| Rates before a reckless driving violation | $2,352 |
| Rates after a reckless driving violation | $5,600 |
| $ difference | $3,249 |
| % increase | 138% |
Cheapest car insurance companies in Michigan for reckless driving violation
| Company | Rates before a reckless driving violation | Rates after a reckless driving violation |
|---|---|---|
| Auto Club Group – ACG (AAA) | $2,537 | $6,475 |
| Auto-Owners | $2,085 | $4,672 |
| Geico | $1,553 | $3,357 |
| Progressive | $2,069 | $2,782 |
| State Farm | $3,698 | $9,123 |
| Travelers | $1,817 | $4,930 |
| USAA* | $1,514 | $2,515 |
Cheapest car insurance options for high-risk drivers in Michigan
Use the calculator below to see the cheapest companies for high-risk drivers in Michigan by violation.
Select your state and risk factor below to see the insurance company and its average annual full coverage rates.
How to lower your car insurance rate if you are a high-risk driver
There are ways to lower car insurance rates even if you are a high-risk driver
- Shopping around: Comparing the quotes from multiple carriers to find the cheapest car insurance company for high-risk drivers.
- Increase your deductible: You can lower your car insurance premiums even if you are a high-risk driver if you increase your deductible
- Make use of all the available discounts: Ensure you ask about available discounts you may qualify for in Michigan.
Compare car insurance rates for high risk drivers in nearby states
Resources & Methodology
Sources
Findlaw “Reckless driving laws by state.” July 2025
Methodology
CarInsurance.com editors collected rates from Quadrant Information Services for a 40-year-old male and female driver carrying a full coverage insurance policy with limits 100/300/100 and $500 comprehensive and collision deductibles, with the following incidents applied:
- 1 At-fault property damage accident over $2K
- 1 At-fault property damage accident under $2K
- At-fault bodily injury accident
- Reckless driving
- DUI/DWI first offense
- Speeding 30+ over limit
- Speeding ticket 1-10 MPH over limit
- Speeding ticket 11-29 MPH over limit
Read the detailed methodology for more information.
Note: In most states, USAA is the cheapest company for drivers with traffic violations, but it is only available to military members, veterans, and their immediate families.
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