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.
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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 $223 per month, and the average premium for a driver with a clean record is $178.
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 $287 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
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
Nationwide: Best for coverage options
GEICO: Best for discounts
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.
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.
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.
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.
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:
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 $74 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 $223 per month. To compare, the average insurance rate for a driver with a clean record is $178.
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