Cheap Michigan Car Insurance

Compare the best rates from 18 car insurance companies in Michigan.

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

Across the Great Lakes State, there are 255,924 miles of road just waiting to be driven. We’ll get you prepped, then you take the wheel.

Cheap Car Insurance

What's the cheapest car insurance in Michigan?
RankCompany NameAvg. Annual Premium
7Pioneer State Mutual$1,459
8Hastings Mutual$1,611
13Wolverine Mutual$2,169
15Grange Mutual$2,299
18Auto Club Group$2,440
20Farm Bureau$2,625
23State Farm$2,948
26Bristol West$3,497
27Liberty Mutual$3,509
29National General$4,509

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Cheap Insurance for Good Drivers in Michigan

Drivers with good driving records typically enjoy lower car insurance costs than drivers with histories of speeding tickets, at-fault accidents, or DUI citations. Michigan drivers without a recent at-fault accident typically save 32% on their car insurance premiums, which matches the US 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$1,57738.75%
No Accidents$1,20132.52%
Good Credit$3,80860.44%

Cheap 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 extraordinarly expensive state in which to insure a teen driver: the average teen will pay $8,398 per year in Michigan, compared to just $4,900 annually across the nation.

AgeAnnual Rate with ParentsAnnual Rate Alone

Cheap Car Insurance for Bad Drivers in Michigan

If you have no at-fault accidents, speeding tickets, or DUIs, you can save money on car insurance. As insurance companies use your driving record as a way to predict the level of risk you present, keeping your driving record clean will lead to lower premiums. It's especially important to avoid at-fault accidents, speeding tickets and DUI citations in Michigan, one of the states in which insurance companies penalize bad driving most severely. In fact, a single speeding ticket could raise your car insurance rates by 38% in Michigan — and a DUI could raise your premiums by a whopping 64%.

Rating FactorAnnual Rate% Increase
At-Fault Accident$3,69332.52%
Speeding Violation$4,06938.75%
Bad Credit$6,30060.44%

What are the Best 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 the 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.

Compare top auto insurers' financial strength and claims satisfaction ratings to better understand the level of service they'll provide. Claims satisfaction — assigned by J.D. Power — is ranked on a scale of 2 to 5, with 5 being "among the best" and 2 being "the rest." Financial strength — calculated by A.M. Best and ranging from "Superior" to "Poor" — measures an insurance company's financial strength and ability to satisfy its policy and contractual obligations.

Insurance CompanyClaims Satisfaction (J.D. Power)Financial Strength (A.M. Best)
AllmericaNot RatedExcellent
Auto Club Group2Excellent
ChubbNot RatedSuperior
EsuranceNot RatedSuperior
Hastings MutualNot RatedExcellent
State Farm3Superior


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What is the Best Car Insurance Coverage in Michigan?

The minimum allowed insurance in Michigan is $20,000 Bodily Injury per person, $40,000 Bodily Injury per accident, and $10,000 Property Damage per accident.

For the legal minimum coverage level in Michigan, you could owe a mean of $1,619 yearly. This expenditure is more costly than the nationwide average by 146%. 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 $2,434, 50% more than basic insurance coverage. For a comprehensive policy with a $500 deductible, expect to pay 61% more than for a basic policy.

Examine average expenditures for basic, better, and best policy levels in the table below.

LocationLiability-OnlyComprehensive — $1,000 DeductibleComprehensive — $500 Deductible
National Average$657.66$1,241.26$1,397.94

Car Insurance Laws

State minimum insurance requirements in Michigan

In Michigan, the state minimum coverage requirements are as follows:
  • Bodily Injury $20,000 per person
  • Bodily Injury $40,000 per accident
  • Property Damage $10,000 per accident
Personal Injury Protection
  • No Limit
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

With Michigan being a “no-fault” state, the liability coverage required on your policy mainly serves to provide coverage if you are involved in an accident out of state when you are considered to be “at-fault”, and inside the state line in extreme cases like causing death or permanent disability or disfigurement. It is important to note that property damage liability does not cover damage caused within the state of Michigan. The coverage limits are determined by each individual state and normally split into three categories. In Michigan, the minimum is listed as 20/40/10 and explained below:

  • $20,000 bodily injury coverage per person. This is the maximum dollar amount that pays for a single person that you injure in an auto accident.
  • $40,000 bodily injury coverage per accident. This is the maximum dollar amount that pays for all injuries that you cause in an accident if more than one person is hurt.
  • $10,000 property damage coverage for accidents caused outside of Michigan. This is the maximum dollar amount that pays for damage that you cause in an accident that occurs outside of the state of Michigan.

Personal Injury Protection (PIP) coverage can be coordinated with your health insurance to decrease the cost of your auto insurance premium or can provide primary medical coverage for injuries resulting from an auto accident if you happen to not have health insurance. The PIP selection will depend on the details of your health coverage so read the fine print on your medical policy carefully to determine the proper selection on your auto policy. Because Michigan is a “no-fault” state and PIP coverage does not have a dollar-specific cap, a driver’s right to sue is restricted to extreme situations involving death or permanent disfigurement or disability resulting from an auto accident.

Property Protection Insurance provides coverage up to $1,000,000 for damage that you may cause to fixed objects during an accident, such as:

  • Buildings
  • Road Signs
  • Road Construction Equipment
  • Fences and Barriers
  • Parked Vehicles

This does not provide coverage for damage to other vehicles unless they are parked.


Michigan is a no-fault state!

What does this mean for you?

Put simply, a no-fault insurance laws system requires that drivers carry their own protection. When an accident happens, no matter who is at fault, your own insurance foots the bill. Each driver takes care of his or herself, and theoretically, the chances of someone suing or raising a hissy fit over culpability are lessened. Bonus: it guarantees every driver immediate medical treatment in the event of an accident.

Car Insurance FAQs

Why is car insurance so expensive in Michigan?

Car insurance is costly in Michigan for a few reasons:

  1. The state requires very high insurance limits. This includes unlimited and lifetime PIP coverage.
  2. The way benefits are set creates a system that is easily corrupted by fraudulent claims and extraneous litigation.
  3. Because car insurance is so expensive, drivers tend to drop coverage and drive uninsured.
  4. Every driver is required to pay the Michigan Catastrophic Claims Association (MCCA) fee to fund medical treatment for victims of car crashes in the state. This fee can be as much as $170 per car, per year. These fees help fund medical services such as attendant care, which may be required as a result of an injury.

Learn more about the reasons for the exorbitant cost of car insurance in Michigan.

Do you need to have car insurance in Michigan?

Yes — car insurance is required in Michigan.

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
4Dearborn Heights$4,435
7Sterling Heights$4,109
10St. Clair Shores$3,707
13Farmington Hills$3,363
14Royal Oak$3,273
20Battle Creek$2,711
21Grand Rapids$2,686
23Ann Arbor$2,634

Recent Michigan Car Insurance Questions and Answers

Are excluded drivers covered if they're not at fault for the accident?

If the excluded driver was driving but another party hits them, the at-fault party is still responsible for paying for the damages. Had the accident been caused by an excluded driver, the insurance company is under no obligation to honor that claim.

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.

Should both my girlfriend and I be on the car title?

I would only put the title in one name — whoever will own and register the vehicle. Putting two people on the title may only complicate things unnecessarily and make it harder to sell.

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.

Driving Laws

Michigan Texting and Driving Laws

  • Ban on all cell phones for school bus drivers
  • Ban on all cell phones for Level 1 or 2 License
  • Ban on text messaging for all drivers

Michigan DUI Laws

First-time OWI offenses in Michigan result in:

  • Up to 93 days in jail $100 to $500 in fines $1,000
  • Driver Responsibility Fee
  • License suspension for 30 days
  • Possible requirement to perform 360 hours of community service
  • Possible vehicle immobilization
  • Possible requirement to install and use an ignition interlock device
  • Six points added to driving record

How Do Tickets Impact Car 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$7,610183%$4,917
Refused Breathalyzer/Chemical Test$7,450177%$4,757
Reckless Driving$7,610183%$4,917
Driving with a Suspended License$3,65736%$964
At-Fault Accident$3,91345%$1,220
Driving with an Open Container$4,84880%$2,155
Operating a Vehicle Without Permission$3,59433%$901
Passing a School Bus$3,64035%$947
Improper Passing$3,57633%$884
Following Too Closely$3,54632%$853
Failure to Stop at a Red Light$3,57633%$884
Illegal Turn$3,54632%$853
Driving Wrong Way/Wrong Lane$3,54632%$853
Failure to Yield$3,57633%$883
Speeding in a School Zone$3,53331%$841
Driving Too Slowly$3,51330%$820
Distracted Driving$3,45528%$762
Driving with Expired Registration$3,03013%$337
Failure to Show Documents$3,03013%$337
Not-at-Fault Accident$2,6930%$0
Failure to Use Child Safety Restraint$2,7352%$42
Failure to Wear a Seat Belt$2,7352%$42
Driving Without Lights$2,7442%$51

Michigan Tour Guide Scholarship

At The Zebra, we know better than most just what a pain buying car insurance can be. We also know that students suffer from higher-than-average policy rates. Talk about a double-whammy. That’s why, this year, we’ve decided to continue The Zebra’s annual scholarship with the goal of helping to alleviate the financial pressures of college-bound students in the Michigan area, while also getting an insider view of the Great Lakes State.


So, students, we want to see your favorite road trip destination(s) in your state— from your unique perspective. If it makes sense to hit the open road and be our virtual tour guide, that's great! But there are no limits to what we're looking for: a narrated animation, a slideshow of memorabilia, an illustrated map of the best roadside attractions on the way. This is a chance for you to showcase any place you love in as an original way as possible.

How do I choose a location?

The length of the road trip to your feature destination is inconsequential. So if you have an awesome spot in mind that's just two miles from home, we want to see it.


Applicants must be currently enrolled at or planning to attend a four-year university, graduate program, community college, or trade school located in the continental United States. Upon notification, winner(s) must supply a current proof of enrollment or letter of acceptance.

How to Apply
1. Create a video

Your original video should not exceed 2 minutes

2. Post online

The video must be hosted on YouTube or Vimeo

3. Submit by email

Email your submission to

4. Please include...

your name, address, and phone number when you submit


Selected winner(s) will be awarded a check for $1,000


Applications must be received by 11:59 p.m. CST on December 31st, 2020


Winner(s) will be selected and notified by email by January 31st, 2021

Judges: The Zebra

The winner will be selected based on creativity in the content and presentation

*Upon notification, winner(s) must also supply a current proof of enrollment at a four-year university, graduate program, community college, or trade school located in the continental United States.

Fine Print

By participating, entrants represent that the video submitted is their sole and original work and does not infringe the intellectual property rights of any other party. In other words, no copyrighted music or images may be used.

Employees of The Zebra and their immediate family members are not eligible to participate in the contest.

Written credits for any technical or talent positions (e.g., editor, director, actors) should be included with your submission, along with any sources used to create the video.