Is it possible to find affordable car insurance with a less-than-perfect driving record?
If you’re a high-risk driver, you’ve probably encountered some trouble finding not only an auto insurance provider that’s willing to cover you but also one with affordable rates. Fortunately, the state of Michigan has a program that guarantees coverage, an option you can take advantage of as a last resort. We’ll review your car insurance options below as a high-risk driver in Michigan.
On average, high-risk drivers in Michigan pay annual insurance costs of $2,668, 39 percent more than the average across all drivers. However, some insurance companies are cheaper than others.
Check out Progressive for some of the lowest rates for high-risk drivers.
|Cost of car insurance by company||Low-risk drivers||High-risk drivers||Percentage increase|
You can be considered a high-risk driver due to a bad driving record or a lack of driving record if you’re a teen driver. Surprisingly, we saw the biggest rate hikes for teen drivers compared to drivers with speeding-ticket convictions, at-fault accidents or DUIs on their records. That’s likely because teens have very little driving experience and, thus, high crash rates. Whatever the reason you qualify as a high-risk driver, here are the insurance premiums you can expect.
|Cost of car insurance for drivers by offense||Low-risk driver before an offense||High-risk driver after an offense||Percentage increase|
|Speeding ticket conviction||$1,917||$2,423||26%|
If you’re the parent of a teen driver, you can save money with teen driver discounts.
If your insurance quest has been fruitless, you still have options.
Finding insurance as a high-risk driver means finding a high-risk auto insurance company. Technically, you cannot be ineligible to purchase car insurance in Michigan because the state offers the Michigan Automobile Insurance Placement Facility (MAIPF). They will match you with one of three carriers for personal auto insurance or one carrier for commercial auto insurance.
Given the relatively high cost of car insurance in Michigan for all drivers, not just high-risk ones, the MAIPF guarantees you can get covered outside of the free market but the rates will not be low.
You’ll purchase the insurance the same way as any other policy: through an agent licensed to sell insurance in Michigan.1 However, your personal auto insurance options will be limited to Auto Club, Auto-Owners or State Farm, or, for commercial insurance, Amerisure. Contact an agent using the information below.
|High-risk auto insurance provider||Personal or commercial auto policy||Email address||Phone number||Mailing address||Fax number|
|Auto Club Insurance Association||Personal||N/A||(313) 583-2368||JUA Processing
1 Auto Club Drive
Dearborn, MI 48126-2694
|Auto-Owners Insurance Company||Personal||Jua.email@example.com||(800) 346-0346||JUA Operations
6101 Anacapri Blvd.
PO Box 30660
Lansing, MI 48909-8160
|State Farm Mutual Auto Insurance Company||Personalfirstname.lastname@example.org||(855) 342-4066||State Farm Insurance
PO BOX 2159
Bloomington, IL 61702-9805
|Amerisure Mutual Insurance Company||Commercial||N/A||(800) 789-9594||Amerisure Mutual Insurance Company MC 270 26777 Halstead Rd Farmington Hills, MI 48331||N/A|
While getting truly cheap auto insurance in Michigan may be impossible for a high-risk driver, you can keep auto insurance rates as low as possible in a few ways:
Since Michigan doesn’t allow insurance companies to base rates on credit scores, improving your credit score would not have any effect on your premiums.
Car insurance companies won’t consider you to be a high-risk driver forever. If you’re a high-risk driver because you’re a teen, you’ll eventually age out of that bracket. If you’re a high-risk driver because of a driving offense, the points will only stay on your driving record for two years from the date of your traffic conviction. See the chart below to find out how many points you can get for various traffic violations. The more points on your record, the more you’ll pay for car insurance.
|Traffic violation||Number of points on driving record|
|Driving 6-10 mph over speed limit||2|
|Open alcohol container in vehicle||2|
|All other moving violations of traffic laws||2|
|Refusal of breath test by anyone under 21||2|
|Disobeying a traffic signal/stop sign||3|
|Driving 11-15 mph over speed limit||3|
|Failure to stop at railroad crossing||3|
|Failure to stop for a school bus||3|
|Disobeying a school crossing guard||3|
|Having any blood alcohol content if you are under age 21||4|
|Driving 16 mph or more over the speed limit||4|
|Failure to yield or show due caution for emergency vehicles||4|
|Manslaughter, negligent homicide or other felony involving use of a motor vehicle||6|
|Operating while intoxicated or with any presence of a Schedule 1 drug or cocaine||6|
|Failing to stop and give identification at the scene of a crash||6|
|Refusal to take a chemical alcohol test||6|
|Fleeing or eluding a police officer||6|
|Failure to yield causing death or injury of emergency responder, construction worker or person operating implements of animal husbandry||6|
|Moving violation that causes injury or death||6|
Schedule 1 drugs include marijuana. Driving while high on marijuana carries the same penalties as a DUI: up to 93 days in jail, a fine of up to $500, a license suspension and six points on your driving record.
To see a full list of Schedule 1 drugs, check out the Michigan Public Health Code, linked below.3
Even if you’re a low-risk driver, car insurance in Michigan is expensive, but significantly more so for those who are high risk. However, your rates should go down once the state removes all points from your driving record. In the meantime, drive safely, as more claims will raise your rates even without an official traffic violation.
Servicing Carriers. MAIPF. (2023).
Michigan’s New Auto Insurance Law Frequently Asked Questions. Michigan.gov. (2023).
PUBLIC HEALTH CODE (EXCERPT) Act 368 of 1978. Michigan Legislature. (2023).