Car Insurance in Michigan
- Compare the cheapest car insurance quotes in MI with The Zebra
- Coverage from Progressive, Allstate, Liberty Mutual and Nationwide (+ other top companies)
Here's what you need to know when driving in Michigan
The average car insurance rate in Michigan is $2,639 per year — 73% higher than the U.S. average. Car insurance rates are impacted by more than just your location. Auto insurance rates comprise many factors, including a driver's age and driving history. The Zebra's experts analyzed average Michigan car insurance rates for these rating factors in an effort to help you find an affordable policy.
Read on to learn how much auto insurance costs in Michigan based on these variables, or submit your ZIP code above to receive personalized quotes from top insurers.
The best car insurance companies in Michigan
State Farm came in third place in The Zebra Customers Satisfaction Survey and scored an 851 on J.D. Powers' 2021 auto study.
As a Michigan-based insurer, Auto-Owners Insurance received a score of 842 out of 1000 in the J.D. Power 2021 auto study.
The cheapest car insurance companies in Michigan
These companies offer the cheapest rates in the following scenarios.
The cheapest rates are from GEICO at $1,061 annually, or $88 per month.
If you have a DUI on your record, check out USAA (if you qualify) or Progressive for the cheapest average rates.
If you have a recent at-fault accident on your record, check out USAA (if you qualify) or Auto-Owners for the best rates.
Dynamic auto insurance data methodology
Methodology: The auto insurance rates displayed above and throughout this page are dynamic, meaning the data will refresh when the most recent information is made available. Rates are based on a sample driver profile — a 30-year-old single male driver with a Honda Accord and full coverage. This profile was adjusted based on common pricing factors used by major car insurance companies, like age, coverage level, driving record and others.
Michigan auto insurance laws
Car insurance is required in nearly all states, including Michigan. Limits for the legal minimum coverage level are higher than in most other states, leading to a yearly rate of about $1,190. Minimum coverage in Michigan is 121% more costly than the nationwide average.
State minimum coverage
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:
- $50,000 (lowest option available for Medicaid recipients)
- Opt-out (available only for those with qualifying health care plans)
Property Protection Insurance:
- $1 million per accident
Optional coverage in Michigan (varies by carrier):
- Limited Property Damage
- Loan/Lease Payoff
- Rental Car Reimbursement
- Roadside Assistance
- Uninsured/Underinsured Motorist Bodily Injury
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 incidents. Better insurance comes at a price: in Michigan, a comprehensive policy with a $1,000 deductible costs $2,385, 100% more than the minimum insurance coverage. For a comprehensive policy with a $500 deductible, expect to pay $2,750.
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.
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Michigan car insurance premiums by rating factor
Your rates are determined by a number of individual factors, including your coverage level, driving history, location, and more. Explore average premium costs by rating factor below to get a better sense of how much you should be paying for auto insurance in Michigan.
Cheap auto insurance in Michigan for minimum coverage only
Unlike in many states, minimum coverage in the state of Michigan offers a reasonable amount of protection to you as a driver. Still, going with minimum coverage only may still leave your vehicle at risk. If you would like to get an idea of average rates for Michigan minimum coverage, check out the table below.
Cheap auto insurance in Michigan with bad credit
Credit history is typically an important factor in determining your car insurance rates. However, insurers are no longer able to use credit scores as a rating factor.
Cheap auto insurance in Michigan with an at-fault accident
Your driving history can have a huge impact on your car insurance premiums. Insurance companies use your driving record to help inform your rates, meaning that any prior at-fault accidents could cause your car insurance rates to increase to as much as $3,881 per year.
Safe driver discounts
In addition to having cheaper rates, some insurers offer a safe driving discount. The amount may vary based on your company, but it usually ranges between 5 and 10%.
Cheap auto insurance for young drivers in Michigan
Young drivers — aged between 16 and 25 — pay much higher auto insurance rates than average, with those aged 16 to 19 paying the most expensive premiums of all. Inexperienced drivers are seen as being higher risk, meaning that teen drivers could pay more than three times the national average for car insurance. In Michigan, teen drivers pay especially high rates: $7,178 per year — over twice as much as a typical Michigan driver.
Michigan auto insurance rate by violation
In Michigan, a bad driving record will cause your rates to skyrocket. If you receive a ticket or citation, your auto insurance premiums will probably go. The amount of increase depends on the violation, your insurer's pricing standards, and differing local insurance regulations and risks. That's why tickets may have a different impact on insurance in your state compared to the national average.
See below average auto insurance rates in Michigan after a few common citations.
|Accident/Violation||Avg. Annual Premium||% Rate Increase||$ Rate Increase|
|One Med/PIP claim||$2,176||0%||$0|
|One comp claim||$2,329||7%||$153|
|Two Med/PIP claims||$2,335||7%||$160|
|Two comp claims||$2,433||12%||$257|
|Driving without lights||$2,544||17%||$369|
|Child safety restraint||$2,589||19%||$414|
|Failure to wear a seat belt||$2,597||19%||$421|
|Failure to show documents||$2,666||23%||$490|
|At-fault accident - less than $1000||$2,679||23%||$503|
|Driving with expired registration||$2,685||23%||$510|
|Texting while driving||$2,764||27%||$588|
|Cell phone violation||$2,764||27%||$588|
|Speeding 6 - 10 MPH over limit||$2,767||27%||$591|
|Wrong way/wrong lane||$2,785||28%||$609|
|Driving too slowly||$2,816||29%||$640|
|Failure to yield||$2,823||30%||$647|
|Speeding in school zone||$2,839||30%||$664|
|Failure to stop at a red light||$2,871||32%||$695|
|Speeding 11 - 15 MPH over limit||$2,876||32%||$700|
|Following too closely||$2,936||35%||$760|
|Operating a vehicle without permission||$3,044||40%||$868|
|Passing school bus||$3,091||42%||$915|
|At-fault accident - $1000-$2000||$3,110||43%||$934|
|Speeding 16 - 20 MPH over limit||$3,194||47%||$1,018|
|At-fault accident - greater than $2000||$3,200||47%||$1,024|
|Speeding 21 - 25 MPH over limit||$3,233||49%||$1,058|
|In 65 MPH zone||$3,270||50%||$1,094|
|Driving with a suspended license||$4,390||102%||$2,214|
|Leaving scene of an accident/hit and run||$6,144||182%||$3,968|
|Refusal to submit to a chemical test||$6,160||183%||$3,984|
Michigan DUI laws
In Michigan, an OWI (operating while intoxicated) offense can increase your annual car insurance premium to an average of $6,160. That’s 149% more than the national average rate hike after a DUI. Finding affordable auto insurance in the wake of a DUI violation isn’t simple. In fact, an OWI often brings about a bigger premium increase than any single road violation — more than an at-fault accident, racing, or reckless driving.
Low-cost car insurance after a DUI in Michigan
If you're convicted of a DUI or OWI violation in Michigan, it’s important to consider each of your insurance options carefully. Auto insurance rates following a DUI can vary substantially from one insurer to another. For example, the least expensive car insurance company with a DUI in Michigan, USAA is likely to have the most affordable rates, followed closely by Progress. The priciest insurer after a DUI in Michigan is State Farm, with prices 33% above the state average.
There is no car insurer in particular that offers cheap DUI car insurance. The recommended way to save in the wake of a DUI citation is to shop around.
Michigan SR-22 insurance
An SR-22 is a routine legal requirement triggered by a violation such as a DUI conviction, a ticket for driving without insurance, an at-fault collision, driving with a suspended license, or accumulating too many points on your license. It is not a type of insurance policy, but a form issued by your insurance company with the state of Michigan to ensure that you remain insured.
Finding cheap auto insurance with an SR-22 in Michigan might require some research, but it could pay off in the end.
How to obtain an SR-22 in Michigan
If you currently have auto insurance, getting an SR-22 is relatively easy. Phone your insurer ask them to file a SR-22 request on your behalf. If your current auto insurance company refuses to request an SR-22 certificate, you’ll need to shop for a new policy with a new insurance company.
When filing for car insurance, you might face an up-front fee for the prospective insurer to file an SR-22 request form and to cover your more risky driving profile. Needing an SR-22 could disqualify you from being insured by some carriers, while others would be happy to cover you.
For drivers who don’t own a vehicle
Needing an SR-22 might disqualify you from purchasing insurance from some companies, while others would be happy to sell you a policy.
For drivers without a vehicle
Not owning a vehicle makes it more difficult to obtain an SR-22, as you will need to furnish proof of insurance to receive the certificate. If you don't own a car, purchase a non-owners car insurance policy before asking for an SR-22. A non-owners policy is often less pricey than traditional coverage since it doesn't insure against physical damages to your car.
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Rates by city
Car insurance companies calculate your rate based on many factors, the location of the vehicle being an important one. The cheapest car insurance is found in St. Joseph, Michigan and the most expensive in Detroit, Michigan.
Have a look at the table below to see average car insurance costs in some of Michigan's biggest cities.
Car insurance price trends in Michigan
In Michigan, average annual auto insurance costs increased by $104 in the past year. A typical Michigan driver pays an average of $2,639 per year.
The recent pricing trend in Michigan leans toward less expensive car insurance costs. From 2017 to 2018, rates went up by over $1,000. At the same time, car insurance rates across the United States have jumped in the past few years, jumping from $1,437 in 2017 to $1,529 in 2021.
|Year||Avg. Annual Premium — Michigan||Yearly Change — Michigan||Avg. Annual Premium — US||Yearly Change — US|
If your rates are rising faster than the average in your state, compare quotes and find a better deal. The Zebra's car insurance comparison engine furnishes quotes based on your specific profile — enter your ZIP below to get started.
Michigan car insurance FAQs
Below you'll find answers to some of the most commonly asked questions regarding Michigan auto insurance.
Who has the cheapest car insurance in Michigan?
It is very difficult to find cheap insurance in Michigan. Our data shows GEICO with the cheapest rate at $1,061 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?
Major auto insurance reform legislation was implemented in 2019 to make rates more equitable for all Michigan drivers. This included significant changes to rating criteria. Auto insurers are now prohibited from using gender, marital status, home ownership, credit score, educational level, occupation and ZIP codes in setting rates.
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About The Zebra
The Zebra is not an insurance company. We publish data-backed, expert-reviewed resources to help consumers make more informed insurance decisions.
- The Zebra’s insurance content is written and reviewed for accuracy by licensed insurance agents.
- The Zebra’s insurance content is not subject to review or alteration by insurance companies or partners.
- The Zebra’s editorial team operates independently of the company’s partnerships and commercialization interests, publishing unbiased information for consumer benefit.
- The auto insurance rates published on The Zebra’s pages are based on a comprehensive analysis of car insurance pricing data, evaluating more than 83 million insurance rates from across the United States.