Best Cheap Car Insurance Companies for High-Risk Drivers in Michigan

The cost of car insurance can be significantly higher if you have a serious or multiple violations on your record since insurers will classify you as a high-risk driver. You can, however, save on the premium by comparing quotes from different providers to get the most affordable car insurance for high-risk drivers.

MoneyGeek found that, overall, Nationwide is the best high-risk auto insurance company for drivers in Michigan looking for a balance of quality service and affordability. Nationwide is also the cheapest at an average cost of $2,822 per year.

Driving violations like a DUI, at-fault accidents and reckless driving make you a high-risk driver, increasing the cost of car insurance since drivers with poor records are considered more likely to file claims. Inexperienced drivers, such as teen drivers, are also considered high-risk even and will typically pay higher rates for car insurance.

If you are shopping for car insurance with a bad driving record in Michigan, you can expect to pay around 42% more for car insurance compared to a driver with a clean record.

If you are looking for affordable high-risk car insurance in Michigan, Nationwide offers the cheapest rate at an average cost of $2,822 per year. You can learn more about Nationwide in our review and see why it is a good fit for high-risk drivers in Michigan.

Nationwide offers the best insurance for high-risk drivers in Michigan, with a MoneyGeek score of 93 out of 100. Nationwide rates highly for affordability and has above-average ratings for claims and customer satisfaction.

The second-best high-risk car insurance company in Michigan, scoring 91 out of 100, is Auto-Owners Insurance Co. You can read more about its coverages and discounts in our review.

Progressive offers the cheapest car insurance for drivers with a DUI in Michigan at an average cost of $2,590 per year. MoneyGeek reviewed Progressive auto insurance to help you learn more about the coverage options and discounts it offers.

For drivers with a military background, USAA could also be an affordable option for car insurance with a DUI in Michigan.

GEICO offers the most affordable car insurance for teen drivers in Michigan at an average cost of $13,020 per year. Rates for 16-year-olds are typically higher than average rates for 19-year-olds — only a few years of driving experience can reduce the policy premium by around 80%.

You can find out more about car insurance from GEICO in our review.

Car insurance for high-risk drivers in Michigan costs around 42% more than the average cost of car insurance for drivers with a clean record. A driver with a clean record pays an average of $3,564 per year, while a high-risk driver pays roughly $6,467 for the same policy. That’s a difference of roughly $2,903.

You can get a car insurance estimate based on your details using MoneyGeek’s Michigan car insurance calculator. Simply enter your age, vehicle type, driving violation, coverage requirements and other details into the calculator for a personalized estimate. That way, you can see which company may be the cheapest for you and what is affecting your rate the most.

Car insurance companies are not required by law to provide coverage to everyone. That means they can refuse to cover you if your profile is too risky or for other reasons. If you find yourself in such a situation, it is still possible to get car insurance with a residual market plan.

Residual market plans are offered by the Automobile Insurance Plan Service Office (AIPSO). AIPSO provides its services in the auto insurance residual market to help high-risk drivers get coverage.

The Michigan Automobile Insurance Placement Facility (MAIPF) was established to ensure that high-risk drivers who cannot get car insurance from the voluntary market get access to coverage. The plan was instituted under Chapter 33 of the Michigan Insurance Code. It is important to keep in mind that coverage from MAIPF can only be bought through insurance agents licensed in Michigan.

To help you learn more about high-risk auto insurance in Michigan, MoneyGeek answered commonly asked questions below.

MoneyGeek calculated average rates using full coverage car insurance policies with 100/300/100 liability insurance and comprehensive and collision coverage with a $1,000 deductible. Minimum coverage car insurance policy rates were calculated based on each state’s minimum car insurance requirement.

To calculate rates for high-risk drivers, MoneyGeek averaged the premiums insurance companies charge for three of the most common driving violations: speeding, at-fault accident and DUI.

To determine the best car insurance company for high-risk drivers, MoneyGeek scored companies based on affordability, customer satisfaction and complaints — obtained from J.D. Power surveys and NAIC complaint scores — and financial strength ratings as calculated by AM Best. Affordability received the greatest weighting in our calculations.