Who Has Cheap Car Insurance Quotes After a Speeding Ticket in Michigan?

Establishing which companies offer the lowest-priced car insurance rates after a speeding ticket involves more work than just getting one or two price quotes.

Each insurance company used slightly different criteria for filing rates in each state, so we’ll take a look at the car insurance companies with the overall best prices in Michigan. Keep in mind that Michigan car insurance rates are influenced by many factors that may substantially change the policy premium. Improving your credit rating, filing a claim, or getting a driving violation may prompt premium changes that may make certain companies cheaper in comparison to the competition.

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USAA generally has some of the lowest car insurance rates in Michigan at around $978 a year. GEICO, Safeco, MetLife, and Chubb are also some of the cheaper Michigan insurance companies.

In this example, if you are a customer of Safeco and switched to USAA, you might see a yearly price reduction of in the neighborhood of $59. Drivers with MetLife might save as much as $332 a year, and Chubb insureds might lower prices by $436 a year.

If you would like to find cheap auto insurance after a speeding ticket in Michigan, click here to start your custom quote or quote rates from the companies below.

Bear in mind that those policy rates are averages for all drivers and vehicles and do not factor in a price discount after a speeding ticket. So the car insurance company that can offer you the best price may not even be included in the above list. That point stresses why you need to get rate quotes using your own driver data and vehicle information.

The car, truck, or SUV requiring insurance is a large consideration in finding cheap auto insurance after a speeding ticket in Michigan. Vehicles with limited speed and performance, modern passenger safety features, or a low likelihood of liability claims will cost significantly less to insure than high performance models. The lists below shows auto insurance prices for a handful of the cheaper automobiles to insure in Michigan.

Prices based on married female driver age 40, two speeding tickets, no at-fault accidents, $500 deductibles, and Michigan minimum liability limits. Discounts applied include multi-policy, multi-vehicle, homeowner, and claim-free. Premium amounts do not factor in zip code location which can alter prices noticeably.

Table data represents married female driver age 40, two speeding tickets, no at-fault accidents, $500 deductibles, and Michigan minimum liability limits. Discounts applied include claim-free, multi-policy, multi-vehicle, and homeowner. Rates do not factor in specific location information which can alter coverage rates greatly.

Data assumes married female driver age 40, two speeding tickets, no at-fault accidents, $500 deductibles, and Michigan minimum liability limits. Discounts applied include homeowner, multi-vehicle, claim-free, and multi-policy. Rate information does not factor in vehicle location which can lower or raise coverage prices substantially.

One of the key criteria that determine the cost of insurance is where you normally keep your vehicle in Michigan. Cities with larger populations or higher claims like Detroit, Southfield, and Flint tend to pay more, whereas areas with less crime or weather claims have the benefit of cheaper auto insurance prices.

The illustration below lists the most expensive areas in Michigan after a speeding ticket to purchase auto insurance in.

Annual rates are estimated as the specific geographic location can lower or raise coverage prices substantially.

Types of discounts on Michigan auto insurance

<img class="shadow floatright" src="http://www.quoteclickinsure.com/blog/wp-content/uploads/cheap-car-insurance-after-speeding-ticket-mi.jpg" alt="Cheaper Michigan car insurance after a few driving violations”/>Insurance companies that provide cheap auto insurance after a speeding ticket in Michigan may also give you price discounts that could lower prices by 25% or more if you meet specific criteria. A list of car insurance companies and some of their more popular discounts include:

The information below compares insurance costs with and without discounts. The rate quotes are based on a female driver, three violations and no at-fault accidents, Michigan state minimum liability limits, comprehensive and collision coverage, and $500 deductibles. The first bar for each age group shows the average annual price with no discounts. The lower bar shows the rates with passive restraint, vehicle safety, paperless filing, homeowner, multiple vehicle, and anti-theft discounts applied. When drivers qualify for the discounts, the the amount saved on car insurance after a speeding ticket is % or $.

google.charts.setOnLoadCallback(drawDiscqcibChart);function drawDiscqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘Female Driver No Discounts’, ‘Female Driver with Discounts’],[‘Age 20’, 8425,6049],[‘Age 30’, 6445,4647],[‘Age 40’, 6155,4437],[‘Age 50’, 5657,4077],[‘Age 60’, 5545,3995],[‘Age 70’, 6127,4403]]);var options = {title: ‘Insurance Rate Comparison with Discounts After a Speeding Ticket’,titleTextStyle: {color: ‘#333’,fontSize: 17,bold: true},width: ‘100%’,height: 500,’chartArea’:{left:100,top:50,’width’: ‘100%’, ‘height’: ‘70%’},legend: {position: ‘bottom’},colors: [‘#c096ca’, ‘#e1b7ec’],hAxis: {title: ‘Annual Auto Insurance Cost for Average Vehicle’,minValue: 0,format: ‘$###,###’},vAxis: {title: ‘Age of Insured’}};var formatter = new google.visualization.NumberFormat({fractionDigits: 0,prefix: ‘$’});formatter.format(data,1);formatter.format(data,2);var chart = new google.visualization.BarChart(document.getElementById(‘qcibdisc’));chart.draw(data, options);}

Cautious drivers save money

The common sense way to obtain cheap auto insurance after a speeding ticket in Michigan is to drive attentively and have a clean driving record. The diagram below highlights how speeding tickets and at-fault fender-benders can raise insurance costs for different age groups. The costs are based on a single female driver, comp and collision included, $1,000 deductibles, and no additional discounts are factored in.

google.charts.setOnLoadCallback(drawVioqcibChart);function drawVioqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘No Violations or Accidents’, ‘One Speeding Ticket and No Accidents’, ‘One Speeding Ticket and One Accident’],[‘Age 20’, 5505,6003,7397],[‘Age 30’, 3671,4173,5563],[‘Age 40’, 3439,3939,5329],[‘Age 50’, 3003,3503,4893],[‘Age 60’, 2907,3411,4801],[‘Age 70’, 3457,3961,5351]]);var options = {title: ‘Effect of Citations and Accidents on Michigan Insurance Premiums’,titleTextStyle: {color: ‘#333’, fontSize: 17, bold: true},width: ‘100%’,height: 600,’chartArea’: {left:100,top:50,’width’: ‘100%’, ‘height’: ‘70%’},legend: {position: ‘bottom’,textStyle: {fontSize: 12}},colors:[‘#b2da64′,’#eed355′,’#e39e71’],hAxis: {title: ‘Annual Auto Insurance Cost for Average Vehicle in Michigan’,minValue: 0,format: ‘$###,###’},vAxis: {title: ‘Age of Insured’}};var formatter = new google.visualization.NumberFormat({fractionDigits: 0,prefix: ‘$’});formatter.format(data,1);formatter.format(data,2);formatter.format(data,3);var chart = new google.visualization.BarChart(document.getElementById(‘qcibvio’));chart.draw(data, options);}

The data charted above shows the average cost of car insurance per year with a clean driving record and no accidents is $3,664. Get one speeding ticket and the average cost swells to $4,165, an increase of $501 each year. Then add one accident along with the one speeding ticket and the yearly cost of car insurance after a speeding ticket increases to an average of $5,556. That’s an increase of $1,892, or $158 per month, just for not paying attention while driving!

Geico vs State Farm vs Allstate vs Progressive

If you are looking for the best auto insurance after a few driving violations in Michigan, the companies that insure more vehicles than anyone else are Geico, State Farm, Allstate, and Progressive. Between them, they insure almost half of the entire U.S. market share. The table below illustrates pricing and service ratings, as well as optional policy coverages you can expect with each one.