Compare the best rates from 19 car insurance companies 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.
|7||Pioneer State Mutual||$1,459|
|18||Auto Club Group||$2,440|
Drivers with good driving records typically enjoy lower car insurance costs than drivers with histories of speeding tickets, at-fault accidents, or DUI citations. Michigan drivers without a recent at-fault accident typically save 32% on their car insurance premiums, which matches the US average. In addition to earning a cheaper premium for driving incident-free, you may qualify for a safe-driving bonus through your car insurance company. The amount of these discounts may vary, but they typically run between 5 and 10%.
|Rating Factor||$ Savings||% Savings|
|No Traffic Tickets||$1,577||38.75%|
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.
|Age||Annual Rate with Parents||Annual Rate Alone|
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 Factor||Annual Rate||% Increase|
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:
Road Construction Equipment
Fences and Barriers
This does not provide coverage for damage to other vehicles unless they are parked.
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. And bonus? It guarantees every driver immediate medical treatment in the event of an accident.
If you happen to find yourself pulled over by a police officer in Michigan you won't have to rifle through your glovebox wondering if you remembered to replace that expired insurance card last month. Instead, you can provide proof of coverage with your smartphone.
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 Ann Arbor, Michigan, and the most expensive in Detroit, Michigan.
|Rank||City||Avg. Annual Premium|
|11||St. Clair Shores||$2,764|
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Driving with a blood alcohol content higher than the number above will put you at risk of being arrested for driving under the influence. If arrested you’ll face harsh consequences and may face varying degrees of jail time, fines, driver’s license suspensions, and reinstatement requirements.If convicted of a DUI, you can expect the financial obligations to extend beyond the DUI ticket to court costs, attorney fees, higher insurance rates, and potentially the installation of a Ignition Interlock Device to serve as a breathalyzer test each time you start your vehicle.
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, Michigan 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.
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.