Car Insurance in Michigan
- Travelers offers the cheapest liability coverage at $29/mo
- Travelers offers the cheapest full coverage auto insurance at $110/mo
Enter your ZIP code to start your search for Michigan car insurance:
The Zebra works with 100+ insurance partners to connect you with the best coverage in Michigan at the right price.
About The Zebra's recommendations
Renata joined The Zebra in 2020 as a Customer Experience Agent. Since 2021, she has worked as a licensed insurance professional and content strategis…
Credentials
- Licensed Insurance Agent — Property and Casualty
- 5 years of experience in the insurance industry
Kristine joined The Zebra in 2019 as an in-house content researcher and writer, with a property and casualty insurance license. Before joining The Ze…
Credentials
- Licensed Insurance Agent — Property and Casualty
- 6+ years of Experience in the Insurance Industry
Car insurance quotes in Michigan
Michigan is one of the most unique states for car insurance — and one of the priciest. The average auto insurance premium in Michigan is $1,371 per six month policy; that's 18% more expensive than the U.S. average.[1]
While auto insurance rates comprise many factors, including a driver's age and driving history, Michigan's insurance laws contribute to sky-high premiums. 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.
Cheapest liability coverage in MI
- Travelers offers the cheapest liability coverage in Michigan at $29/mo.
Cheapest full coverage in MI
- Travelers offers the cheapest full coverage in Michigan at $110/mo.
Best customer service in MI
- Nationwide scored 674 in JD Power's latest study — the highest rated company available in Michigan.[3]
*Discrepancy Notice: The J.D. Power regional winner doesn't offer insurance coverage in this state. As a result, the next highest-scoring company within the region has been selected in its place.
Cheap liability insurance in Michigan
The cheapest 6-month premium for liability insurance in Michigan is $29 — 46% of Zebra customers opt for this level of protection[2]. Check out some average rates from top Michigan insurance companies below.
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| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Travelers | $171 | $29 |
| USAA | $243 | $40 |
| GEICO | $364 | $61 |
| Farm Bureau Ins of MI | $369 | $61 |
| Auto-Owners | $414 | $69 |
| Progressive | $587 | $98 |
| Auto Club Group | $768 | $128 |
| Bristol West | $840 | $140 |
| Encompass | $872 | $145 |
| State Farm | $885 | $147 |
Source: The Zebra
The Zebra’s auto insurance data methodology
The Zebra’s Dynamic Insurance Rating Tool for home and auto insurance rates utilizes the latest ZIP code-level rate filings from across the U.S., sourced from Quadrant Information Services and S&P Global. These filings, typically updated annually or biennially by insurers, are verified through Quadrant’s QA process and then integrated into The Zebra’s estimator.
The displayed rates are based on a dynamic home and auto profile designed to reflect the content of the page. This profile is tailored to match specific factors such as age, location, and coverage level, which are adjusted based on the page content to show how these variables can impact premiums.
For a comprehensive understanding, see our detailed methodology.
Unlike in many states, minimum coverage in the state of Michigan offers a reasonable amount of protection to you as a driver. Michigan minimum coverage laws are more robust than most states, and personal injury protection (PIP) is also required. Still, it covers far less than a full coverage policy would.
One of the biggest points of confusion for Michigan drivers is the paperwork. If you choose a capped PIP limit ($250k, $50k) or an opt-out, you must resubmit your proof of healthcare documentation every 6 months upon renewal.
If you forget to submit your paperwork, Michigan law requires insurers to automatically "default" you back to a higher level—usually Unlimited PIP—which can cause your premium to suddenly spike. Keep those Medicaid or Medicare forms handy!
Renata Balasco, Insurance writer with 5+ years experience
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| Company | Liability Coverage | Full Coverage |
|---|---|---|
| Westfield | $317 | $1,692 |
| USAA | $243 | $842 |
| Travelers | $171 | $660 |
| State Farm | $885 | $1,742 |
| Progressive | $587 | $1,060 |
| MetLife | $425 | $874 |
| Hanover | $1,445 | $2,534 |
| Grange | $933 | $1,556 |
| GEICO | $364 | $667 |
| Farm Bureau Ins of MI | $369 | $1,382 |
| Encompass | $872 | $2,079 |
| Chubb | $431 | $1,242 |
| Bristol West | $840 | $2,181 |
| Auto-Owners | $414 | $1,226 |
| Auto Club Group | $768 | $1,532 |
Source: The Zebra
Cheap full coverage insurance in Michigan
In 2026, the average cost of full coverage insurance in Michigan is $1,371 for a six-month policy. Full coverage is a popular choice here, with 54% of The Zebra’s Michigan customers opting for quotes that offer this more comprehensive protection.
It's no surprise that this is far more than what liability-only coverage costs (though Michigan's high limits make minimum coverage pricey, too). But, The Zebra recommends carrying comprehensive and collision coverage for most drivers. Full coverage insurance protects you against perils that minimum coverage will not — including most car accidents, thefts, vandalism, or weather incidents.
Updating data...
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Travelers | $660 | $110 |
| GEICO | $667 | $111 |
| USAA | $842 | $140 |
| Progressive | $1,060 | $177 |
| Farm Bureau Ins of MI | $1,382 | $230 |
| Auto Club Group | $1,532 | $255 |
| State Farm | $1,742 | $290 |
| Encompass | $2,079 | $347 |
| Bristol West | $2,181 | $363 |
Source: The Zebra
What are the best car insurance companies in Michigan?
We recognized Nationwide as the top car insurance provider in Michigan, basing our decision on consumer feedback, third-party evaluations (J.D. Power, Trustpilot, and AM Best), and specifics like discount offerings and coverage options.
Add insurance companies to the tool below to see how each stacks up against our pick.
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Local insights
Drivers near you in Michigan weigh in
"My insurance for my house and full coverage on one car is $113 a month combined through State Farm. I’m just super lucky somehow."
-Reddit user on r/Michigan
"We have 2 adults, in our 30s, with a 45k car and a 20k car, $225/mo State Farm with Drive Safe and Save. $1k deductible."
-Reddit user on r/Michigan
Compare car insurance rates from the best companies in Michigan.
Car insurance in popular Michigan cities
Michigan is home to many bustling cities, each with unique car insurance needs. Detroit in particular stands out with its rich automotive history and high vehicle ownership. More congested cities tend to see above average insurance rates.
Have a look at the table below to see average car insurance costs in some of Michigan's biggest cities.
Source: The Zebra
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Source: The Zebra
Licensed. Knowledgeable. Helpful.
Our team of in-house agents can help you find the best policy at the right price.
Blake joined The Zebra in 2021 after a 5-year career at GEICO, where he started as a producer selling auto, property, cycle, RV, and boat policies be…
Credentials
- Licensed Insurance Agent - Property and Casualty
- 7+ years insurance experience
Amber Vigil has three years of experience in the insurance industry and joined The Zebra in 2024. As manager, she leads a group of sales agents, ensu…
Credentials
- Licensed Insurance Agent — Property and Casualty
Alejandro joined The Zebra in 2019 with over a decade of insurance experience. He began his career as a bilingual sales agent at Progressive Insuranc…
Credentials
- Licensed Insurance Agent — Property and Casualty
Michigan auto insurance quotes after an accident or ticket
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 hike dramatically.
Source: The Zebra
Source: The Zebra
The Zebra's guide to Michigan car insurance laws for high-risk drivers
Violations like reckless driving or a DUI will require you to make changes to your insurance policy.
Learn more about car insurance requirements in the state of Michigan with our helpful guide and see our brief explanations of how DUIs and SR22s affect your insurance below.
Michigan DUI laws
In Michigan, an OWI (operating while intoxicated) offense can increase your annual car insurance premium significantly. 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. Take a look at the table below to compare average premiums from leading insurers in Michigan.
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| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| USAA | $1,304 | $217 |
| Progressive | $1,328 | $221 |
| Auto-Owners | $2,294 | $382 |
| Bristol West | $2,354 | $392 |
| Travelers | $2,882 | $480 |
| Farm Bureau Ins of MI | $2,931 | $488 |
| GEICO | $4,150 | $692 |
| State Farm | $4,472 | $745 |
| Auto Club Group | $6,253 | $1,042 |
| Encompass | $9,419 | $1,570 |
Source: The Zebra
There is no particular car insurer 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
Currently insured?
If you currently have auto insurance, getting an SR-22 is relatively easy. Phone your insurer and 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.
Uninsured drivers
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.
Find an affordable policy in Michigan in minutes!
How have car insurance costs in Michigan changed?
In recent years, auto insurance rates in Michigan experienced significant fluctuations due to state regulations, risk factors, and economic conditions. Between 2015 and 2018, rates steadily climbed because of Michigan's unique no-fault insurance system, which required unlimited personal injury protection (PIP) coverage, leading to higher claims costs.[4] This trend continued into 2020, making Michigan one of the most expensive states for auto insurance, thanks to high rates of uninsured drivers and PIP system fraud.
| Year | Avg. Annual Premium — Michigan |
|---|---|
| 2026 | $2,741 |
| 2025 | $2,644 |
| 2024 | $2,312 |
| 2023 | $2,827 |
| 2022 | $2,176 |
| 2021 | $2,639 |
| 2020 | $2,535 |
| 2019 | $3,106 |
| 2018 | $2,884 |
| 2017 | $1,796 |
| 2016 | $1,562 |
| 2015 | $1,885 |
In 2020, reforms were introduced to help cut costs by letting drivers choose their level of PIP coverage. This slowed the rate of increase a bit, and some people saw lower premiums. However, issues like fraud and high medical costs kept premiums high. By 2024, Michigan's auto insurance rates were still among the highest in the country, but the rate of increase had slowed down compared to previous years.
Save money on your next car insurance policy!
Michigan car insurance FAQs
Below you'll find answers to some of the most commonly asked questions regarding Michigan auto insurance.
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Data Methodology. The Zebra’s Dynamic Insurance Rating Tool
-
Anonymized User Surveys. The Zebra
-
2025 U.S. Auto Insurance Study. J.D. Power
-
Choosing PIP Medical Coverage. Michigan.gov
RECENT QUESTIONS ABOUT CAR INSURANCE IN MI
Does State Farm require you have a police report to file a claim?
In Michigan is there a grace period to get insurance on a vehicle when you buy it?
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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 editorial 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.
