Cheap Michigan Car Insurance

Find affordable auto insurance that works for you in Michigan. Compare quotes from over 100 top companies.

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Here's what you need to know when driving in Michigan

Auto insurance is expensive in Michigan. The average car insurance rate in Michigan is $3,096 per year — twice as expensive as the national average, making it the most expensive state in America for car insurance.

Your car insurance costs are impacted by more than just the state in which you live. Car insurance premiums incorporate an array of considerations, including your driving record, credit history, gender, age, and marital status.

We reviewed average Michigan car insurance rates by each of the most common rating factors. See below how much car insurance costs in your state — or enter your ZIP code to compare quotes from top car insurance companies. 

Learn more about Michigan's July 2020 car insurance law modifications


Affordable insurance companies in Michigan

What's the cheapest car insurance in Michigan?
RankCompany NameAvg. Annual Premium
6Pioneer State Mutual$2,149
8State Farm$3,475

Want to see more rates? Enter your ZIP code below to compare quotes from dozens of top companies that provide coverage in Michigan.

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Cheap auto insurance for good drivers in Michigan

Drivers with great driving records typically enjoy cheaper car insurance rates than drivers with histories of speeding tickets, at-fault accidents, or DUI citations. Michigan drivers without a recent at-fault accident typically save 57% on their car insurance premiums — 7% more than the national average. In addition to earning a cheaper premium for driving incident-free, you may qualify for a safe-driving bonus through your car insurance company. The amount of these discounts may vary, but they typically run between 5 and 10%.


Rating Factor$ Savings% Savings
No Traffic Tickets$1,91961.98%
No Accidents$1,77257.24%
Good Credit$4,17594%


Cheap auto insurance for young drivers in Michigan

Young drivers — aged between 16 and 25 — pay very high car insurance rates, with those aged 16-19 paying the most expensive premiums of all. Because of the risk presented by inexperienced drivers, teen drivers pay more than three times the national average for car insurance. Michigan is an extraordinarily expensive state in which to insure a teen driver: the average teen will pay $8,820 per year in Michigan, compared to the annual national average of $5,023.


AgeAnnual Average Premium


Cheap auto insurance for bad drivers in Michigan

If you have a clean driving record in Michigan — no at-fault accidents, speeding tickets, DUIs, or other recent citations — you'll probably pay less for car insurance. Conversely, a bad driving record will cause your rates to skyrocket: car insurance premiums typically increase by 196% after a DUI, 57% after an at-fault accident, and 62% after a speeding ticket in Michigan.


Rating FactorAnnual Rate% Increase
At-Fault Accident$4,86857%
Speeding Violation$5,01562%

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Top rated car insurance companies in Michigan

Every auto insurer emphasizes its low costs. But as with any product or service, the cheapest car insurance is not always the best idea. Considering the stakes, it's worth doing your due diligence to retrieve an insurance policy that protects your car adequately after an accident. Work to find the best value, rather than settling for the most affordable car insurance in your state.

Use the table below to better understand the quality of service you'll receive. You'll see reviews for popular auto insurers' financial strength, claims satisfaction, and customer satisfaction including an internal satisfaction score from The Zebra's customers. 

Insurance Company

Claims Satisfaction

(J.D. Power)

Customer Satisfaction

(J.D. Power)

Financial Strength

(A.M. Best)

Customer Satisfaction

(The Zebra)

ChubbN/AN/ASuperior4.2 / 5
FarmersAverageBelow averageExcellent4.3 / 5
GEICOAverageAverageSuperior4.4 / 5
MetLifeExcellentBelow averageExcellentN/A
NationwideAbove averagePoorSuperior4.3 / 5
ProgressiveBelow averageBelow averageExcellent4.3 / 5
State FarmAbove averageAbove averageSuperior4.5 / 5
USAAExcellentExcellentSuperior4.6 / 5


Michigan auto insurance laws

In Michigan, the state minimum coverage requirements are as follows:


  • Bodily Injury $50,000 per person
  • Bodily Injury $100,000 per accident
  • Property Damage $10,000 per accident (in another state)

Personal Injury Protection:

As of July 2020, the state of Michigan has changed the required amounts of PIP coverage. The following options are now available: 

  • Unlimited
  • $500,000
  • $250,000
  • $50,000 (lowest option available for Medicaid recipients)
  • Opt-out (available only for those with qualifying health care plans)

Property Protection Insurance:

  • $1,000,000 per accident

Optional coverage in Michigan (varies by carrier):

  • Comprehensive
  • Collision
  • Limited Property Damage
  • Loan/Lease Payoff
  • Rental Car Reimbursement
  • Roadside Assistance
  • Uninsured/Underinsured Motorist Bodily Injury

For the legal minimum coverage level in Michigan, you could owe about $1,745 yearly. This expenditure is more costly than the nationwide average by 181%. If you opt for a higher level of car insurance coverage, you can select a policy with comprehensive and collision coverage, insuring against the costs of car-vs.-car collisions, theft, or weather conditions. Better insurance comes at a price: in Michigan, a comprehensive policy with a $1,000 deductible costs $2,832, 62% more than the minimum insurance coverage. For a comprehensive policy with a $500 deductible, expect to pay 77% more than for a basic policy.

Note: As of July 1, 2021, Michigan's new no-fault reform law stipulates that insurance companies are no longer obligated to pay for more than 56 hours per week of family-provided in-home care. In addition, rehabilitation providers will only be reimbursed at 55% of what they were in 2019 for any services outside of medicare.

Learn more about Michigan's auto insurance laws

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How tickets change insurance rates in Michigan

When you receive a ticket your car insurance costs will probably go up. How much your rates rise depends on the type of violation, your car insurance company's pricing standards, and differences in local insurance risks and regulations. That's why tickets may have a different impact on insurance in your state compared to the national average.

Below is a look at typical auto insurance rates in Michigan after a few common citations.

ViolationAvg. Annual Auto Insurance Rate% Insurance Rate Increase$ Insurance Rate Increase
Hit and Run$9,369203%$6,273
Refused Breathalyzer/Chemical Test$9,158196%$6,062
Reckless Driving$9,369203%$6,273
Driving with a Suspended License$7,878154%$4,782
At-Fault Accident$4,86857%$1,772
Driving with an Open Container$5,07064%$1,974
Operating a Vehicle Without Permission$4,04931%$953
Passing a School Bus$4,59949%$1,503
Improper Passing$4,39142%$1,295
Following Too Closely$4,35641%$1,260
Failure to Stop at a Red Light$4,07131%$975
Illegal Turn$4,03630%$940
Driving Wrong Way/Wrong Lane$4,03630%$940
Failure to Yield$4,07031%$974
Speeding in a School Zone$4,20836%$1,112
Driving Too Slowly$4,14234%$1,046
Distracted Driving$3,93627%$840
Driving with Expired Registration$3,42311%$327
Failure to Show Documents$3,42311%$327
Not-at-Fault Accident$3,1963%$100
Failure to Use Child Safety Restraint$3,1983%$102
Failure to Wear a Seat Belt$3,1983%$102
Driving Without Lights$3,1271%$31


Michigan car insurance FAQs

Who has the cheapest car insurance in Michigan?

It is very difficult to find cheap insurance in Michigan. Our data shows Safeco with the cheapest rate at $368 per year. Your best bet for finding insurance in Michigan is using our comparison tool to see local and national companies to compare rates.

Why is Michigan car insurance so expensive?

The main reasons Michigan drivers pay so much for auto insurance are the high number of uninsured drivers, insurance fraud claims and the unlimited amount of PIP coverage required for bare minimum coverage.

Is Michigan car insurance going down?

Restructuring insurance laws has been a big legislation pain point for Michigan's government. At this time, there has been no changes to the state's insurance requirements or costs.

How much does car insurance cost in Michigan cities?

Car insurance companies calculate your rate based on many factors, location of the vehicle being an important one. The cheapest car insurance is found in Kalamazoo, Michigan, and the most expensive in Detroit, Michigan.

RankCityAvg. Annual Premium
4Sterling Heights$4,109
8Grand Rapids$2,686
9Ann Arbor$2,634


Recent Questions:

Am I covered for an accident if my policy had lapsed while without an Uber passenger?

Unfortunately, if there was no coverage in place, no company will honor the claim. Uber coverage is in place while the app is active, though this only covers liability.
Jul 3, 2020 Lincoln Park, MI

Should I pay out of pocket for damage I caused?

I would not file a claim. Even if you have a $500 deductible, which is common, you would receive a $66 payout.
May 6, 2018 Mount Pleasant, MI

Can I buy weekly auto insurance in Michigan?

Short term insurance is available in Michigan but you would have to contact a local agent in your area for assistance. LA insurance is the most common issuer of weekly policies in Michigan.
Sep 2, 2017 Grandville, MI

What should I do if I cancelled my insurance policy but the company drafted money out of my account afterward?

While I can't say with a certainty, it sounds like you were set up for EFT (auto-draft) payments with Allstate so you didn't have to worry about calling in or mailing a payment. Unfortunately with EFT options, it may not be possible to stop a scheduled payment draft depending on when the payment is set to be withdrawn.
Mar 15, 2017 Detroit, MI

Kristine Lee
Kristine Lee LinkedIn

Kristine is a licensed insurance agent and one of The Zebra’s in-house content strategists. With a background in copywriting, she covers the ins and outs of the home and car insurance industries. She has contributed to numerous publications focused on the nuances of insurance, including Automoblog,, and