Trying to buy budget car insurance is not easy, and determining which company offers the most affordable auto insurance rates with multiple speeding tickets takes more quotes for comparison.
Every auto insurer has their own unique process to set policy rates, so we need to take a look at the auto insurance companies that tend to have lower prices in Michigan.
Cheapest Insurance Rates with License Points
|Rank||Company||Cost Per Year|
|7||Pioneer State Mutual||$1,488|
|18||Auto Club Group||$2,391|
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USAA has some of the most affordable car insurance rates in Detroit at around $987 per year. This is $1,406 less than the average premium paid by Michigan drivers of $2,393. GEICO, Safeco, MetLife, and Chubb would also be considered some of the lowest-priced Detroit, MI auto insurance companies.
In the above rates, if you currently have coverage with Chubb and switched to GEICO, you may see an annual premium reduction of upwards of $421. Insureds with MEEMIC could save as much as $443 a year, and Pioneer State Mutual insureds might see rate reductions of $495 a year.
These policy rates are averaged across all types of insureds and vehicles and are not factoring in a specific vehicle garaging location with multiple speeding tickets. So the company that fits your needs best may not even be in the top 30 companies shown above. That is why you need to get rate quotes from many companies using your own personal information and vehicle type.
After a few driving violations, one of the big factors that determine the amount you pay each year for auto insurance is where you normally keep your vehicle in Detroit. Cities with larger populations or higher claim trends are more likely to have higher rates, whereas areas with fewer weather claims and lower vehicle theft rates have the luxury of cheap car insurance rates.
The next table shows the most costly cities in Michigan with multiple speeding tickets to purchase auto insurance in. Detroit is ranked at #1 with the annual price of $4,960 on average, which is around $413 each month.
|11||St. Clair Shores||$2,792|
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Prices are estimated as zip code location can increase or decrease premium rates greatly.
The vehicle model you are insuring is one of the main factors that determines whether or not you can buy the cheapest insurance with multiple speeding tickets. Vehicles with higher performance characteristics, poor passenger safety features, or a history of substantial liability claims will cost quite a bit more to insure than safer, lower-performance models. The next list shows coverage premiums for a handful of the most economical vehicles to buy insurance for.
|Make, Model, and Trim Level||Estimated Cost for Full Coverage|
|Honda CR-V LX 4WD||$6,498|
|Hyundai Elantra SE Touring Station Wagon||$6,624|
|Ford Escape XLT 4WD||$6,647|
|Ford Edge Limited 2WD||$7,081|
|Volkswagen Jetta 2.0T Station Wagon||$7,160|
|Dodge Grand Caravan SE||$7,267|
|Chevrolet Malibu LT||$7,351|
|Jeep Wrangler Sahara 4WD 2-Dr||$7,472|
|Honda Odyssey EX W/Rear Entertainment||$7,556|
|Chevrolet Impala LS||$7,696|
|Chevrolet Silverado LT Crew Cab 4WD||$7,752|
|GMC Sierra SLE Crew Cab 2WD||$7,760|
|Ford Explorer Eddie Bauer 4WD||$7,855|
|Dodge Ram Quad Cab ST 4WD||$7,859|
|Toyota RAV4 Limited 2WD||$7,864|
|Ford Fusion S 4-Dr Sedan||$7,873|
|Ford F-150 SVT Raptor Super Cab 4WD||$8,027|
|Toyota Tacoma Double Cab TRD Sport Package 4WD||$8,033|
|Nissan Rogue SL AWD||$8,125|
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Table data represents single male driver age 40, two speeding tickets, no at-fault accidents, $1,000 deductibles, and Michigan minimum liability limits. Discounts applied include multi-policy, homeowner, multi-vehicle, and claim-free. Estimates do not factor in specific garaging location which can change rates significantly.
Based on these rates, we can presume that vehicles like the Honda CR-V, Hyundai Elantra, and Ford Escape are likely to be a few of the most affordable vehicles to insure after a few driving violations.
Impact of citations and accidents on insurance rates
One of the best ways to receive the most affordable auto insurance rates in Detroit after a few driving violations is to drive attentively and have a clean driving record. The chart below illustrates how traffic citations and at-fault collisions can increase insurance rates for each age group. The data is based on a single female driver, full physical damage coverage, $250 deductibles, and no discounts are factored in.
The data above shows the average cost of an auto insurance policy in Michigan per year with no accidents and a clean driving record is $4,654. Add in two speeding tickets and the average cost swells to $6,262, an increase of $1,608 each year. Now throw in one accident along with the two speeding tickets and the annual cost of auto insurance with multiple speeding tickets increases to an average of $7,882. That’s an increase of $3,228, or $269 per month, just for not driving responsibly!
Ending up with a high-quality auto insurance provider can be difficult considering how many companies sell insurance in Michigan. The ranking data listed below could help you choose which auto insurers to look at when shopping your coverage around.
The ratings below are for companies who write in the majority of U.S. states, so companies that focus mainly on Michigan business will not be included in this list. To check prices from many more Michigan auto insurance companies, simply click here.
Top 10 Major Car Insurance Companies Overall in Detroit
- The Hartford
- State Farm
- Farmers Insurance
- Safeco Insurance
- 21st Century
- Liberty Mutual
- AAA Insurance
Top 10 Major Car Insurance Companies in Detroit Ranked by A.M. Best Rating
- State Farm – A++
- USAA – A++
- GEICO – A++
- The Hartford – A+
- Allstate – A+
- Nationwide – A+
- Esurance – A+
- Progressive – A+
- Safeco Insurance – A
- Liberty Mutual – A
Get discounts on Detroit auto insurance rates
Insurance companies that offer cheap quotes with multiple speeding tickets may additionally offer premium discounts that could potentially reduce rates by as much as 25% or more if you are eligible to receive them. Companies and some of the premium reductions they offer are included below.
- GEICO has savings for federal employee, multi-policy, military active duty, emergency military deployment, anti-lock brakes, and good student.
- SAFECO offers discounts for drive less, accident prevention training, homeowner, bundle discounts, multi-car, and anti-theft.
- State Farm has discounts for driver’s education, Drive Safe & Save, student away at school, good student, and multiple policy.
- MetLife may have discounts that include good student, multi-policy, good driver, accident-free, defensive driver, claim-free
- 21st Century offers premium reductions for defensive driver, early bird, automatic seat belts, driver training, air bags, anti-lock brakes, and teen driver.
- Progressive includes discounts for continuous coverage, multi-policy, multi-vehicle, homeowner, online signing, online quote discount, and good student.
The illustration below visualizes the comparison of yearly insurance costs with and without discounts applied to the premium. The information is based on a male driver, no accidents and two traffic tickets, Michigan state minimum liability limits, full coverage, and $250 deductibles.
The first bar for each age group shows the average rate with no discounts. The lower bar shows the rates with vehicle safety, homeowner, paid-in-full, multiple policy, paperless filing, and anti-theft discounts applied. When taking advantage of discounts, theaverage yearly reduction on auto insurance with multiple speeding tickets is 28% or $1,470.
If you aren’t sure which coverage you need and prefer to get some guidance when trying to find the best insurance rates with multiple speeding tickets, the agents shown below can probably answer your questions and help you decide which coverage fits your budget. To locate a Detroit auto insurance agent close to you, click the button below the list.
- Tony Massey – State Farm Insurance Agent
15 E Kirby St #112 – Detroit, MI 48202 – (313) 873-3334
- Woodward Insurance
1529 Woodward Ave – Detroit, MI 48226 – (313) 962-6200
- L A Insurance
6248 Michigan Ave – Detroit, MI 48210 – (313) 896-1000
- Allstate Insurance: Shauna Johnson
18711 Grand River Ave – Detroit, MI 48223 – (313) 272-2020