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 convictions. It also reveals the cheapest car insurance companies for high-risk drivers based on driving profiles in Michigan. 

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 convictions or lapses 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 32% 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 38% higher rates than drivers without speeding tickets. Whereas Michigan drivers with speed violations of more than 30 mph will pay 47% higher rates than drivers without speeding tickets.

Find out how much car insurance rates increase after a speeding ticket violation in Michigan.

Violation Rates after speeding ticket Rates before speeding ticket $ Difference % Increase
Speeding ticket 1-10 MPH over limit $5,284 $4,013 $1,270 32%
Speeding ticket 11-29 MPH over limit $5,555 $4,013 $1,542 38%
Speeding 30+ over limit $5,904 $4,013 $1,890 47%

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 speeding tickets at $2,387 annually. The car insurance rates offered by Progressive increase by $430 after a speeding ticket violation.

Company Rates before speeding ticket Rates after speeding ticket $ Difference % Difference
Allstate $4,739 $5,999 $1,261 27%
Auto Club Entreprises $4,106 $6,538 $2,433 59%
Auto-Owners $2,825 $3,736 $911 32%
Automobile Club of MI $1,843 $2,934 $1,091 59%
Farmers $10,710 $14,124 $3,414 32%
Geico $1,939 $3,520 $1,581 82%
Progressive $1,957 $2,387 $430 22%
State Farm $4,487 $6,499 $2,012 45%
Travelers $4,195 $4,494 $299 7%
USAA $1,625 $2,214 $588 36%

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 156% on an average, according to 2023 CarInsurance.com data.

Violation Rates after a DUI Rates without a DUI $ Difference % Diffrence
DUI/DWI first offense $10,260 $4,013 $6,247 156%
DUI/DWI second offense $18,186 $4,013 $14,172 353%

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 $2,241 per year, in Michigan. The rate increases by $283 after getting a DUI offense on your driving history.

The second cheapest car insurance for high-risk drivers with DUI is offered by Automobile Club of MI at $4,520 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
Allstate $4,739 $24,289 $43,136
Auto Club Entreprises $4,106 $10,072 $19,812
Auto-Owners $2,825 $6,475 $14,303
Automobile Club of MI $1,843 $4,520 $8,894
Farmers $10,710 $14,381 $20,176
Geico $1,939 $13,013 $21,582
Progressive $1,957 $2,241 $2,802
State Farm $4,487 $10,925 $24,201
Travelers $4,195 $9,089 $16,475
USAA $1,625 $2,989 $3,413

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 44%.

However, there are states where car insurance companies provide coverage to the policyholder regardless 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, Progressive is your best bet. It offers insurance at $2,618 per year.

Company Rates before an at-fault accident Rates after an at-fault accident
Allstate $4,739 $7,522
Auto Club Entreprises $4,106 $5,890
Auto-Owners $2,825 $3,214
Automobile Club of MI $1,843 $2,640
Farmers $10,710 $15,116
Geico $1,939 $4,991
Progressive $1,957 $2,618
State Farm $4,487 $5,292
Travelers $4,195 $5,522
USAA $1,625 $2,402

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 Rates after a reckless driving Rates before a reckless driving $ Difference % Increase
Reckless driving $9,226 $4,013 $5,212 130%

Cheapest car insurance companies in Michigan for reckless driving violation

Company Rates before a reckless driving violation Rates after a reckless driving violation
Allstate $4,739 $24,289
Auto Club Entreprises $4,106 $10,072
Auto-Owners $2,825 $6,475
Automobile Club of MI $1,843 $4,520
Farmers $10,710 $16,754
Geico $1,939 $4,081
Progressive $1,957 $2,539
State Farm $4,487 $10,925
Travelers $4,195 $6,286
USAA $1,625 $2,745

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.

Average cost of car insurance in Michigan for high-risk driver

Select your state and risk factor below to see the insurance company and its
average annual full coverage rates.

Average Annual Car Insurance Rate for At-fault bodily injury accident in Michigan, MI is $5,767
Show Graph View
Company Name Insurance Rates
USAA $2,402
Progressive $2,618
Automobile Club-of-MI $2,640
Auto-Owners $3,214
Geico $4,991
State Farm $5,292
Travelers $5,522
Auto Club Entreprises $5,890
Allstate $7,522
Farmers $15,116

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.

Resources & Methodology

Sources

Findlaw. “Reckless driving laws by state.” Accessed January 2023.

Methodology

Data is sourced from the Auto Problems Report 2022. Rates are based on the driving profile of a 40-year-old male driver who drives a Honda Accord LX and opts for a full-coverage policy with coverage limits of 100/300/100 and a $500 comprehensive and collision deductible across around 1500 ZIP codes with 50,00,736 records from 27 companies.
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.

author image
Contributing Writer

Prachi is an insurance writer with a master’s degree in business administration. Through her writing, she hopes to help readers make smart and informed decisions about their finances. She loves to travel and write poetry.