What Insurance is Cheapest for Drivers with a Bad Driving Record in Detroit?

The words “bargain” and “insurance” probably shouldn’t be used in the same sentence, especially when searching for the cheapest coverage for drivers with a bad driving record. Because it’s so expensive, let’s take a look at some situations that have an effect on car insurance prices, and figure out some ways to reduce the cost of your next policy.

The car, truck, or SUV you are trying to insure is a large factor when trying to find affordable coverage for drivers with a bad driving record. Vehicles with lower acceleration and performance, modern passenger safety features, or low incidents of liability claims will cost substantially less to insure than high performance models.

The next list estimates auto insurance prices for a number of the cheaper automobiles to buy insurance for.

Cheapest Vehicles to Insure in Detroit, MI
Make and Model Estimated Cost for Full Coverage
Ford Escape XLT 2WD $16,179
Honda Accord LX-P 4-Dr Sedan $16,852
Honda CR-V EX-L 4WD $17,073
Toyota Prius $18,154
Dodge Grand Caravan CV $18,836
Ford F-150 XLT Regular Cab 2WD $18,855
Volkswagen Jetta 2.0T Station Wagon $19,019
Honda Odyssey EX W/Rear Entertainment $19,720
Chevrolet Impala LS $19,729
Ford Edge SE AWD $19,720
Chevrolet Equinox LS AWD $19,749
Toyota RAV4 2WD $19,754
Chevrolet Malibu Hybrid $19,749
Toyota Tacoma Double Cab 4WD $19,941
Ford Explorer Limited 4WD $20,157
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Data variables include single male driver age 50, two speeding tickets, two at-fault accidents, $1,000 deductibles, and Michigan minimum liability limits. Discounts applied include multi-policy, homeowner, and multi-vehicle. Price information does not factor in specific location information which can lower or raise prices considerably.

Looking at the numbers, we can tell that cars like the Ford Escape, Honda Accord, Honda CR-V, and Toyota Prius are going to be a few of the cheaper vehicles to insure for bad drivers. The cost of a car insurance policy will tend to be more expensive anyway just due to the fact that there is more liability exposure for drivers with a bad driving record, but overall those vehicles will have the cheapest car insurance rates that you are likely to find.

For bad drivers, one of the largest considerations that determine the amount you pay each year for auto insurance is where you live. Regions with larger populations or more claims tend to have higher rates, whereas areas with lower crime rates and fewer weather claims tend to receive cheaper rates.

The next table shows the priciest cities in Michigan for drivers with a bad driving record in which to buy car insurance. Detroit is ranked #1 with a yearly cost of $4,960 for the average insured, which is about $413 monthly.

How much is car insurance in Detroit?
Rank City Annual Premium
1 Detroit $4,960
2 Dearborn $4,082
3 Southfield $3,980
4 Pontiac $3,639
5 Flint $3,473
6 Dearborn Heights $3,337
7 Warren $3,322
8 Taylor $3,116
9 Sterling Heights $2,954
10 Westland $2,937
11 St. Clair Shores $2,792
12 Livonia $2,688
13 Farmington Hills $2,676
14 Rochester Hills $2,567
15 Saginaw $2,557
16 Novi $2,539
17 Troy $2,536
18 Royal Oak $2,487
19 Lansing $2,367
20 Battle Creek $2,354
21 Kalamazoo $2,282
22 Kentwood $2,273
23 Grand Rapids $2,185
24 Wyoming $2,151
25 Ann Arbor $2,065
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Prices are estimated as the specific area where the vehicle is garaged can impact coverage prices significantly.

Finding out which company offers the lowest-priced auto insurance rates for drivers with a bad driving record may require a little more effort in order to find a policy that fits your budget. Each company uses a slightly different approach to establish rates, so let’s take a look at the auto insurance companies with the most affordable rates in Michigan.

Best Car Insurance Prices for Imperfect Drivers

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Michigan car insurance ranked by cost per year
Rank Company Cost Per Year
1 USAA $949
2 GEICO $1,003
3 Safeco $1,047
4 MetLife $1,324
5 Chubb $1,386
6 Pioneer State Mutual $1,444
7 MEEMIC $1,450
8 Hastings Mutual $1,595
9 Auto-Owners $1,686
10 Frankenmuth $1,713
11 SECURA $1,832
12 Progressive $1,866
13 Wolverine Mutual $2,212
14 Hanover $2,305
15 Allied $2,309
16 Grange Mutual $2,345
17 Allmerica $2,362
18 Auto Club Group $2,391
19 Nationwide $2,618
20 Farm Bureau $2,651
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USAA offers some of the cheapest car insurance rates in Detroit at around $949 a year. This is $1,444 less than the average price paid by Michigan drivers of $2,393. GEICO, Safeco, MetLife, and Chubb also are some of the cheapest Detroit, MI car insurance companies.

As depicted above, if you are a customer of MetLife and switched to USAA, you might achieve an annual savings of about $375. Customers with Chubb may save as much as $437 a year, and Pioneer State Mutual insureds might reduce prices by as much as $495 a year.

Be aware that those premiums are averages across all drivers and vehicles and do not factor in a specific vehicle garaging location for drivers with a bad driving record. So the car insurance company that fits your age and vehicle best may not even be in the top 30 companies in the list above. That is why you need to compare as many prices as possible using your own driver and vehicle profiles.

The chart below demonstrates how choosing different deductibles can change premium costs when getting quotes for cheap insurance for drivers with a bad driving record. The data is based on a single female driver, full coverage, and no additional discounts are factored in.

The data above shows that a 50-year-old driver could lower their policy premium by $548 a year by switching the physical damage coverage from a $100 deductible to a $500 deductible, or save $828 by using a $1,000 deductible. Even younger drivers, such as the Age 20 example, could shave as much as $1,388 every year by using a higher deductible. When insureds make the decision to increase the deductibles on their policy, it will be necessary to have enough funds in savings to cover the extra out-of-pocket expense, which is the one inconvenience of using high deductibles.

Discounts on Detroit auto insurance

Save on auto insurance for bad drivers in DetroitAuto insurance companies that offer quotes for drivers with a bad driving record may also give you discounts that could potentially reduce rates by as much as 35% or more if you meet specific criteria. A few popular companies and some of the premium reductions they offer are:

The example below illustrates the difference between car insurance costs with and without discounts being applied to the rates. The rate quotes are based on a female driver, one citation and one at-fault accident, Michigan state minimum liability limits, full physical damage coverage, and $100 deductibles.

The first bar for each age group shows insurance cost with no discounts. The second shows the rates with paperless filing, paid-in-full, anti-theft, homeowner, marriage, and continuous coverage discounts applied. With discounts applied, the average amount saved each year on auto insurance for drivers with a bad driving record is 28% or $1,577.

Picking a good quality insurance provider is difficult considering how many choices drivers have in Detroit. The ranking data below could help you decide which insurers to look at shopping prices with.

These ratings are only comprised of the largest companies in the United States, so smaller regional companies will not be included in the list. To compare rates from the insurers below and more, click here.

Top Auto Insurance Companies for Drivers with a Bad Driving Record in Michigan
Company Value Customer Service Claims Customer Satisfaction A.M Best Rating Overall Score
The Hartford 88 96 91 93% A+ 92.6
Progressive 84 94 99 90% A+ 92.4
State Farm 84 93 95 87% A++ 91
Farmers Insurance 87 92 90 85% A 90.6
Safeco Insurance 85 91 87 86% A 88.4
USAA 71 93 98 87% A++ 88
GEICO 73 93 95 85% A++ 87.1
21st Century 85 85 91 89% A 86.9
Liberty Mutual 72 91 97 83% A 86.4
AAA Insurance 85 85 88 86% A 85.8
Nationwide 71 90 93 83% A+ 84.9
Allstate 69 92 92 83% A+ 84.4
American Family 77 96 80 85% A 83.8
Esurance 70 80 89 77% A+ 79.2
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Data Source: Insure.com Best Car Insurance Companies

The agencies below are a good start to help you decide which car insurance policy is best, since some people prefer to have some advice when shopping for the best coverage for drivers with a bad driving record. It’s not always simple to find the best policy yourself, so a licensed agent can give satisfaction knowing your policy gives you adequate protection in case of an accident or claim.

To find an agent by location nearest to you, click the button at the bottom.

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How to find cheaper insurance for drivers with a bad driving record

Below you’ll find some of the recommended thrifty solutions that can help drivers buy cheap auto insurance.

The last tip is extremely vital, as was emphasized in the article above. Auto insurance prices can change in a short period of time, so drivers shouldn’t be reluctant to switch companies if a lower price can be found.

Brand loyalty is not necessarily bad, but is isn’t recommended if that loyalty results in overpaying a small fortune. Take a few minutes and compare prices and find cheaper car insurance for drivers with a bad driving record in Detroit.