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?
Rank Company Name Avg. Annual Premium
1 Safeco $368
2 MetLife $1,337
3 USAA $1,477
4 Chubb $1,704
5 MEEMIC $2,004
6 Pioneer State Mutual $2,149
7 Progressive $2,281
8 State Farm $3,475
9 Farmers $4,111
10 Hanover $5,421

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

Compare Michigan car insurance quotes from top providers.

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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%.

 

MICHIGAN CAR INSURANCE AVERAGE SAVINGS FOR GOOD DRIVERS
Rating Factor $ Savings % Savings
No Traffic Tickets $1,919 61.98%
No Accidents $1,772 57.24%
Good Credit $4,175 94%

 

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.

 

MICHIGAN CAR INSURANCE RATES BY AGE GROUP
Age Annual Average Premium
16 $11,442
17 $9,226
18 $8,234
19 $6,379
20s $3,820

 

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.

 

MICHIGAN CAR INSURANCE RATES BY FACTOR
Rating Factor Annual Rate % Increase
At-Fault Accident $4,868 57%
DUI $9,158 196%
Speeding Violation $5,015 62%

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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)

Chubb N/A N/A Superior 4.2 / 5
Esurance N/A N/A Superior N/A
Farmers Excellent Below average Excellent 4.3 / 5
GEICO Average Average Superior 4.4 / 5
MetLife N/A Below average Excellent N/A
Nationwide Average Poor Superior 4.3 / 5
Progressive Below average Below average Excellent 4.3 / 5
Safeco Average Average Excellent N/A
State Farm Above average Above average Superior 4.5 / 5
USAA Excellent Excellent Superior 4.6 / 5

 

Michigan auto insurance laws

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

Liability:

  • 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.

Violation Avg. Annual Auto Insurance Rate % Insurance Rate Increase $ Insurance Rate Increase
Hit and Run $9,369 203% $6,273
Refused Breathalyzer/Chemical Test $9,158 196% $6,062
DUI $9,158 196% $6,062
Racing $9,172 196% $6,076
Reckless Driving $9,369 203% $6,273
Driving with a Suspended License $7,878 154% $4,782
At-Fault Accident $4,868 57% $1,772
Driving with an Open Container $5,070 64% $1,974
Operating a Vehicle Without Permission $4,049 31% $953
Passing a School Bus $4,599 49% $1,503
Improper Passing $4,391 42% $1,295
Following Too Closely $4,356 41% $1,260
Speeding $5,015 62% $1,919
Failure to Stop at a Red Light $4,071 31% $975
Illegal Turn $4,036 30% $940
Driving Wrong Way/Wrong Lane $4,036 30% $940
Failure to Yield $4,070 31% $974
Speeding in a School Zone $4,208 36% $1,112
Driving Too Slowly $4,142 34% $1,046
Distracted Driving $3,936 27% $840
Driving with Expired Registration $3,423 11% $327
Failure to Show Documents $3,423 11% $327
Not-at-Fault Accident $3,196 3% $100
Failure to Use Child Safety Restraint $3,198 3% $102
Failure to Wear a Seat Belt $3,198 3% $102
Driving Without Lights $3,127 1% $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.

Rank City Avg. Annual Premium
1 Detroit $6,280
2 Dearborn $5,147
3 Warren $4,425
4 Sterling Heights $4,109
5 Flint $3,901
6 Livonia $3,248
7 Lansing $2,901
8 Grand Rapids $2,686
9 Ann Arbor $2,634
10 Kalamazoo $2,546

 

Recent Questions:

What companies insure mobile homes with extra build-ons?

You should have no trouble getting mobile home insurance to cover your home including the add-ons, and there are several companies that will insure that type of home. You will need an HO-7 homeowners policy that specifically covers mobile homes.
Jul 4, 2019 Zeeland, MI

My insurer says I have past speeding tickets, but I've never had one. How do I address false and inaccurate citations on my record?

I think it's worth trying to resolve it because a better driving record can help your rate quite a bit. If multiple insurance companies are showing that you have these tickets, then I would call the state and see what they have on your license — this could simply be an error.
Sep 23, 2019 Garden City, MI

What address should I use for a new car insurance policy if I am about to move to a different state but don't know the address?

You should use the address where you are currently living, especially if you don't know the address of the place where you are moving. The problem is, you will likely have to start a new policy once you move to Wyoming since each state has different insurance requirements. This also means that you will have to cancel your previous insurance policy and hope for a refund.
Aug 16, 2017 White Cloud, MI

My "totaled" car was barely damaged. Is it still possible to get full coverage on it?

Hello, Car insurance companies typically total a car when it costs more to repair it than what the car is worth. Since it has already been totaled, it's highly unlikely that a car insurance company would be willing to give you full coverage (comprehensive and collision) for a rebuilt title vehicle.
Aug 18, 2019 Gladwin, MI

Kristine Lee
Kristine LeeManager, Content and Data

Kristine is a licensed insurance agent who joined The Zebra in 2019 as an in-house content researcher and writer.

She is an authority on all things insurance and covers the ins and outs of auto, home, life and renters insurance. Her specialty is in providing data-backed insights and information to help insurance shoppers make informed decisions.

Kristine's insurance expertise and research have been cited by publications such as CNBC, Car and Driver, Business Insider, Yahoo!, The Balance, Nationwide and Elephant.

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.