Cheap Auto Insurance Quotes for Drivers with Accidents in Michigan

Finding decent, reasonably-priced insurance is not most people’s favorite thing to do, and finding out which companies quote the best insurance rates for drivers with accidents will involve even more rate comparisons. Insurance premiums will be slightly higher than the average rate in Michigan, with the extra cost attributed to the potential for more claims that comes with selling coverage for drivers with at-fault accidents, but competitively-priced insurance should be attainable if you look hard enough. Every car insurance company uses their own method to determine rates, so first we will examine the insurance companies with the overall best prices in Michigan.

Find the Cheapest Auto Insurance for Accident Prone Drivers

Click to Compare Rates Now

USAA offers some of the most affordable car insurance rates in Michigan at around $978 each year. GEICO, Safeco, MetLife, and Chubb also qualify as some of the most economical Michigan auto insurance companies.

In the above rates, if you have coverage with GEICO and switched to USAA, you might achieve an annual savings of roughly $25. Insureds with Safeco may save as much as $59 a year, and MetLife customers might lower prices by up to $332 a year.

Remember that these premiums are averages across all insureds and vehicles and do not factor in a price surcharge for drivers with accidents. So the insurer that has the cheapest rates for you may not even be featured in the above rate chart. That underscores the importance of why you need to get auto insurance quotes using your own personalized driver profile and vehicle information.

When buying auto insurance for drivers with at-fault accidents, one of the key factors that auto insurance companies use to determine the price of your policy is where you live in Michigan. Cities that have higher claim levels or more people like Detroit, Southfield, and Flint tend to have more expensive auto insurance rates, whereas areas that are not as densely populated benefit from having to pay less for coverage.

The information below lists the higher priced cities in Michigan for drivers with accidents in which to purchase auto insurance.

Table data uses estimated as the vehicle garaging location can impact rates significantly.

Discounts on cheap car insurance for drivers with accidents in Michigan

Auto insurance companies that offer cheap quotes for drivers with accidents could also offer rate discounts that can lower rates by 40% or more if you qualify for them. Large insurance companies and their possible discounts are outlined below.

The example below compares insurance rates with and without discounts applied to the premium. The premium estimates are based on a male driver, no traffic citations and one accident, Michigan state minimum liability limits, comprehensive and collision coverage, and $500 deductibles. The first bar for each age group shows the average rate with no discounts. The second bar shows the rates with paperless filing, multiple vehicle, homeowner, vehicle safety, paid-in-full, and multiple policy discounts applied. When taking advantage of discounts, the the average amount saved on insurance for drivers with accidents is 38% or $738.

google.charts.setOnLoadCallback(drawDiscqcibChart);function drawDiscqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘Male Driver No Discounts’, ‘Male Driver with Discounts’],[‘Age 20’, 8951,6411],[‘Age 30’, 5347,3847],[‘Age 40’, 5273,3789],[‘Age 50’, 4935,3545],[‘Age 60’, 4823,3461],[‘Age 70’, 5611,4019]]);var options = {title: ‘Comparison of Insurance Rates for Drivers with Accidents’,titleTextStyle: {color: ‘#333’,fontSize: 17,bold: true},width: ‘100%’,height: 500,’chartArea’:{left:100,top:50,’width’: ‘100%’, ‘height’: ‘70%’},legend: {position: ‘bottom’},colors: [‘#6791b9’, ‘#98bee2’],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);}

Irresponsible driving raises your rates

The ideal way to find the best insurance prices in Michigan for drivers with at-fault accidents is to be a careful driver and maintain a clean driving record. The chart below demonstrates how speeding tickets and accidents impact annual premium costs for each age group. The rate quotes are based on a single female driver, comp and collision included, $100 deductibles, and no 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 Two Accidents’],[‘Age 20’, 7405,8073,13751],[‘Age 30’, 5081,5751,11425],[‘Age 40’, 4713,5383,11057],[‘Age 50’, 4117,4787,10463],[‘Age 60’, 3983,4653,10327],[‘Age 70’, 4663,5335,11005]]);var options = {title: ‘Impact of Tickets and Accidents on Michigan Car Insurance Prices’,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);}

In the prior example, the average cost of auto insurance in Michigan per year with no accidents and a clean driving record is $4,994. Add in one speeding ticket and the average cost hikes up to $5,664, an increase of $670 each year. Then add in two accidents along with the one speeding ticket and the yearly cost of insurance for drivers with accidents increases to an average of $11,338. That’s an increase of $6,344, or $529 per month, just for being a less-than-perfect driver!

Best rates: State Farm, Geico, Allstate, or Progressive

If you want reliable car insurance for drivers with at-fault accidents, the four most popular companies are State Farm, Geico, Allstate, and Progressive. The following table ranks some of the different options that you can purchase from each one.

Who has the cheapest insurance quotes for drivers with at-fault accidents?

You have many ways to get affordable insurance quotes in Michigan, but the most frequently used ways are using an independent insurance agent, a captive (or exclusive) agent like Auto-Owners or State Farm, or buying direct from a company like Progressive or Geico.

They all follow the same basic process, but they differ in how they provide price quotes.

Independent agents work with multiple companies and can get rate quotes from each one. These types of agents are usually affiliated with several companies and can provide multiple price quotes, which can give you a better overall rate comparison. If your agent finds a cheaper company, the business is moved internally without having to get a different agent.

An exlusive, or captive, agency is only able to give prices for just one company, a couple examples are a State Farm or Liberty Mutual agent. These agents normally cannot compare other company’s rates, which does not give you the best rate comparison.

Consumers who buy insurance direct forego an independent or exclusive agent and instead shop direct either online or via phone. Buying direct may be good for people who have little risk and know how insurance works.

So what is the best way for finding cheap car insurance for drivers with accidents in Michigan? We’d like to say buying from a direct company results in the cheapest price since there is no middleman, but in reality, that is not the case. And we’d like to say an independent agency results in the cheapest rates since they have access to many companies, but that is not accurate either. In many circumstances, exclusive agencies have coverage prices that cannot be beaten by either independent or direct companies.

Due to that fact that insurance uses so many rating variables, the only true way to get rock-bottom rates is to do a thorough rate comparison. To cover all the bases, get rate quotes from all three to have the best rate selection. For a list of companies with cheap rates in Michigan, click here to view.