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Cheapest Car Insurance for Drivers Requiring a SR22 in Michigan

Enter your Michigan Auto Insurance zip code below to view companies that have cheap auto insurance rates.

Jeffrey Johnson graduated summa cum laude from the University of Baltimore School of Law and has worked in legal offices and nonprofits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman University and worked in film, education, and publishing. His professional writing has appeared on sites like The Manifest and Vice, and he is the author of a novel ...

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UPDATED: Nov 16, 2019

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The model of vehicle on the policy is one of the main factors when consumers are trying to find the most affordable insurance for drivers requiring a SR22. Vehicles with lower acceleration and performance, an excellent safety record, or low incidents of liability claims will cost substantially less to insure than fast, unsafe models. The lists below showcases auto insurance prices for a number of the most budget-friendly vehicles to buy coverage for.

Car Insurance Rates for Popular Cars in Michigan
Make, Model, and Trim Level Annual Cost Semi-Annual Cost Monthly Cost
Chevrolet Malibu LT $7,928 $3,964 $661
Ford Focus S 4-Dr Sedan $7,742 $3,871 $645
Ford Fusion SE 4-Dr Sedan $8,344 $4,172 $695
Honda Civic DX 4-Dr Sedan $7,742 $3,871 $645
Hyundai Sonata Limited 4-Dr Sedan $8,966 $4,483 $747
Kia Optima EX $8,966 $4,483 $747
Nissan Altima 3.5 SR 4-Dr Sedan $8,344 $4,172 $695
Toyota Corolla XRS $8,344 $4,172 $695
Volkswagen Jetta SEL 4-Dr Sedan $8,344 $4,172 $695
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Table data represents single female driver age 40, two speeding tickets, two at-fault accidents, $500 deductibles, and Michigan minimum liability limits. Discounts applied include multi-vehicle, homeowner, and multi-policy. Table data does not factor in specific location which can decrease or increase premiums greatly.

Auto Insurance Rates for Popular SUVs and Crossovers in Michigan
Make, Model, and Trim Level Annual Cost Semi-Annual Cost Monthly Cost
Acura MDX with Tech Package 4WD $8,436 $4,218 $703
Chevrolet Traverse LT AWD $7,212 $3,606 $601
Ford Escape Limited 2WD $6,702 $3,351 $559
Ford Expedition SSV 4WD $7,212 $3,606 $601
Ford Explorer Limited AWD $7,928 $3,964 $661
GMC Acadia SLE AWD $7,834 $3,917 $653
Honda CR-V EX-L 2WD $6,702 $3,351 $559
Honda Pilot EX 2WD $7,512 $3,756 $626
Jeep Grand Cherokee SRT-8 4WD $8,344 $4,172 $695
Jeep Patriot Limited 2WD $7,834 $3,917 $653
Toyota 4Runner Sport 4WD $7,212 $3,606 $601
Toyota Highlander SE 4WD $8,436 $4,218 $703
Toyota RAV4 Sport 2WD $7,834 $3,917 $653
Volvo XC90 3.2 AWD $8,852 $4,426 $738
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Cost estimates assume single female driver age 40, two speeding tickets, two at-fault accidents, $500 deductibles, and Michigan minimum liability limits. Discounts applied include multi-vehicle, homeowner, and multi-policy. Rate quotes do not factor in specific garaging location which can increase or decrease premiums greatly.

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Auto Insurance Rates for Popular Pickup Trucks in Michigan
Make, Model, and Trim Level Annual Cost Semi-Annual Cost Monthly Cost
Chevrolet Colorado LT Crew Cab 4WD $7,118 $3,559 $593
Chevrolet Silverado 3500HD LT Crew Cab 2WD $8,436 $4,218 $703
Chevrolet Silverado LTZ Extended Cab 4WD $8,344 $4,172 $695
Dodge Ram 2500 Crew Cab SLT 2WD $9,474 $4,737 $790
Dodge Ram Crew Cab Laramie 2WD $9,058 $4,529 $755
Ford F-150 FX2 2WD $7,928 $3,964 $661
GMC Canyon SLT Ext Cab 2WD $7,834 $3,917 $653
GMC Sierra SLE Crew Cab 2WD $8,344 $4,172 $695
Toyota Tacoma 2WD $7,742 $3,871 $645
Toyota Tundra SR/5 Double Cab 2WD $8,456 $4,228 $705
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Data variables include single female driver age 40, two speeding tickets, two at-fault accidents, $500 deductibles, and Michigan minimum liability limits. Discounts applied include homeowner, multi-vehicle, and multi-policy. Table data does not factor in vehicle garaging location which can modify coverage prices substantially.

One of the key criteria that is looked at to help calculate the annual cost of car insurance is where you choose to live. Areas with more people like Detroit, Southfield, and Warren tend to pay more, whereas areas with lower crime rates and fewer weather claims receive better rates.

The table below rates the priciest cities in Michigan for drivers requiring a SR22 in which to buy car insurance.

Michigan cities ranked by car insurance cost
Rank City Annual Rate
1 Detroit $4,960
2 Dearborn $3,961
3 Southfield $3,902
4 Pontiac $3,675
5 Warren $3,423
6 Flint $3,371
7 Dearborn Heights $3,239
8 Taylor $3,084
9 Sterling Heights $2,954
10 Westland $2,908
11 St. Clair Shores $2,819
12 Farmington Hills $2,704
13 Livonia $2,608
14 Troy $2,536
15 Rochester Hills $2,492
16 Saginaw $2,481
17 Novi $2,464
18 Royal Oak $2,462
19 Lansing $2,439
20 Battle Creek $2,378
21 Kalamazoo $2,282
22 Kentwood $2,250
23 Grand Rapids $2,208
24 Wyoming $2,130
25 Ann Arbor $2,065
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Information shown are estimated as the garaging address in Michigan can modify coverage rates significantly.

Finding good, cost effective car insurance is challenging, and determining which companies have the cheapest auto insurance rates for drivers requiring a SR22 requires even more perseverance. Policy prices should be quite a bit more than the state average, with the increase attributed to the potential for higher claims associated with selling insurance for high risk drivers, but economical coverage should be available if you compare enough companies.

Every insurance provider has a proprietary formula for determining prices, so let’s take a look at the most competitive auto insurance companies in Michigan. It’s important to understand that Michigan auto insurance rates are influenced by many factors that will increase or decrease the price you pay for coverage. Things like getting older, filing a claim, or getting caught speeding may cause policy rate changes resulting in some rates now being higher-priced than before.

Enter your zip code below to view companies that have cheap auto insurance rates.

USAA quotes some of the cheapest car insurance rates in Michigan at around $978 annually. GEICO, Safeco, MetLife, and Chubb also rank well as some of the lowest-priced Michigan auto insurance companies.

In the above example, if you currently have coverage with MetLife and switched to USAA, you might see annual savings of in the vicinity of $332. Insureds with Chubb might save as much as $394 a year, and MEEMIC policyholders might realize rate reductions of up to $416 a year.

To get a quick, customized rate comparison, click here to start your free quote or click through to the companies below.

Enter your zip code below to view companies that have cheap auto insurance rates.

Bear in mind that those policy prices are averages across all types of drivers and the different vehicles they drive and and are not figured with a rate increase for drivers requiring a SR22. So the insurer that can offer you the best rate may not even be in the company chart above. That helps illustrate why you need to quote rates from many companies using your own driver data and vehicle information.

Selecting a highly-rated car insurance company is hard considering how many different insurance companies sell coverage in Michigan. The ranking information displayed below could help you decide which insurers to look at when trying to find cheaper insurance for drivers requiring a SR22. These rankings only include insurance companies that insure vehicles in the majority of U.S. states, so companies with more of a regional focus are not factored into the list.

Top 10 Large Auto Insurance Providers Overall in Michigan

  1. The Hartford
  2. Progressive
  3. State Farm
  4. Farmers Insurance
  5. Safeco Insurance
  6. USAA
  7. GEICO
  8. 21st Century
  9. Liberty Mutual
  10. AAA Insurance

Top 10 Large Auto Insurance Providers in Michigan Ranked by Customer Service

  1. The Hartford
  2. American Family
  3. Progressive
  4. GEICO
  5. USAA
  6. State Farm
  7. Farmers Insurance
  8. Allstate
  9. Safeco Insurance
  10. Liberty Mutual

Full coverage versus liability only rates

Finding the cheapest car insurance for drivers requiring a SR22 in Michigan is important to most vehicle owners, and one good way to pay less for insurance is to buy liability only. The diagram below illustrates the comparison of auto insurance rates with and without physical damage coverage, medical payments, and uninsured/under-insured motorist coverage. The rates are based on no claims or violations, $500 deductibles, marital status is single, and no additional discounts are factored in.

If we average the cost for ages 20 through 70, comprehensive and collision coverage on your policy costs $4,318 per year over having just liability coverage. Lot’s of drivers question if paying for full coverage is a waste of money. There is no written rule to exclude comp and collision coverage, but there is a guideline you can consider. If the yearly cost for physical damage coverage is more than 10% of the replacement cost of your vehicle minus the policy deductible, then it’s probably a good time to buy liability coverage only.

Michigan car insurance rates

Michigan auto insurance rates are impacted by many things that may substantially change the price of coverage. Simply turning a year older, becoming a homeowner, or having an at-fault accident may prompt premium changes that may make certain companies much cheaper than others.

Not only that, but companies amend premium rates multiple times each year in order to offset underwriting gains or losses. Larger than normal claims may cause more expensive premiums, while a lower level of claims can produce lower-cost Michigan car insurance rates.

For example, the bar chart below shows the cheapest car insurance in Michigan for a 45-year-old male driver with a good driving record, no prior claims, and a decent credit rating. If we compare prices based on his personal risk profile, USAA has the most affordable car insurance rates in Michigan at $978 each year. This is $1,415 less than the average policy premium paid by Michigan drivers of $2,393. GEICO, Safeco, MetLife, and MEEMIC are also on the list of the best Michigan auto insurance companies.

Let’s now give the driver in the first chart a claim, a lower credit rating, and a couple of points charged on his driving record. Since every insurance provider has a different formula for determining rates, getting updated rate quotes most likely will result in a different list of the cheapest car insurance companies in Michigan as shown below.

GEICO now has the best price on car insurance in Michigan with Pioneer State Mutual, Safeco, Hastings Mutual, and Frankenmuth now being in the top five. This shows why drivers need to take the time to shop around to find cheap car insurance quotes for drivers requiring a SR22.

Auto insurance prices are made up of many things and change substantially, so the most affordable company when you last compared rates may now be costing you a lot of money.

Ideas to find more affordable auto insurance for drivers requiring a SR22

Here are some of the better money-saving solutions that can help you locate cheaper coverage.

  • Do not get traffic violations
  • At-fault accidents will increase rates
  • Higher deductibles mean lower rates
  • Do not file small claims
  • Drop full coverage on older vehicles
  • Compare rates regularly to ensure the best deal

The last idea is extraordinarily crucial, as we noted in this piece. Prices in Michigan can change considerably in a year, so don’t be tentative to buy from a new company if a lower price can be found. Brand loyalty is not necessarily bad, but it’s not a great idea if that dedication is costing big bucks every year. If you have a few minutes, now is a great time to shop around and find cheaper car insurance for drivers requiring a SR22.

Who has the cheapest insurance quotes for high risk drivers?

Thanks to technology, drivers have a lot of ways to buy auto insurance in Michigan, but the most preferred are through an independent insurance agent, an exclusive agency such as State Farm or Allstate, or direct online or over the phone from a company like Geico or Progressive.

Each way has the same basic steps, but it’s important to understand the differences in how they provide price quotes.

Independent insurance agents can place your business with multiple companies and can get policy pricing from all of them. These agents can sell policies from many different companies and can get prices from more than one company, which can help you get better odds of saving money. If a cheaper rate is found, it’s simple to move the policy which prevents you from having to switch agents.

An exclusive agent is able to place business with a single insurance company, a couple examples are State Farm and Auto-Owners agents. Exclusive agents are unable to compare rates from other companies, so drivers will want to get other quotes as well.

When you buy auto insurance direct, you skip an independent or exclusive agent and instead buy direct from companies such as Geico or Esurance. Buying auto insurance direct is good for consumers who have limited assets and understand what coverages, limits, and deductibles they need.

Which way works best for finding the cheapest car insurance for drivers requiring a SR22 in Michigan? It would be easy to say buying from a direct company yields the cheapest rates since that prevents the need to pay agent commissions, but unfortunately, that is not the case. We could also assume that using an independent agent results in the best rates due to having more companies to select from, but that is not necessarily true either. For some people, exclusive agents may have very competitive prices that are the cheapest.

Due to the large number of rating factors, the guaranteed way to buy the cheapest policy is to get quotes and compare the rates. Take some time and get price quotes all three ways in order to find the best price. We compiled a list of companies with some of the cheapest online rates that you can click here to view.

Free Auto Insurance Comparison

Enter your zip code below to view companies that have cheap auto insurance rates.

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