Car Insurance for Good Drivers in Michigan

The Zebra
July 15, 2019

Car insurance for good drivers in Michigan

Some of the factors contributing to car insurance rates are out of your hands, including your age, location, and gender. But there are a few factors you can control if you're looking for more affordable rates.

If you want to minimize your insurance expenditure, consider keeping your driving record squeaky clean, your credit score high, and your monthly driving mileage on the low end. Auto insurance companies provide premium price cuts to drivers who pose the least risk, so exhibiting low-risk driving and lifestyle behaviors can lead to a price cut.

Looking for car insurance as a low-risk driver in Michigan? Get started by checking out some sample rates below!

Auto insurance rates for drivers with no citations in Michigan

One of the easiest ways to pay less for car insurance is to maintain a good driving record. Insurers see good drivers as less risky customers and in turn, charge them lower premiums. If you remain on the right side of the law, you could enjoy lower auto insurance rates.

If you're citation-free, start your insurance comparison journey with SECURA Insurance, with an average annual rate of $1,071. That comes out to $206less than the average car insurance rate for drivers without citations in Michigan.

CHEAP AUTO INSURANCE COMPANIES FOR DRIVERS WITHOUT VIOLATIONS IN MICHIGAN
Insurance CompanyAvg. Annual Auto Insurance Rate
SECURA Insurance$1,071
GEICO$1,144
Chubb$1,563
USAA$1,648
Auto-Owners Insurance Co$1,665
MEEMIC Insurance Company$1,713
Farm Bureau Ins of MI$1,732
Metropolitan$1,809

Car insurance rates for drivers with above-average credit in Michigan

Car insurance companies reward drivers who have above-average credit. Insurance companies see drivers with good, very good, or excellent credit scores as financially responsible and more likely to file claims or miss payments.

If you have a "good" credit score (670-739), your top option for car insurance in Michigan could be SECURA Insurance, offering an average annual rate of $1,071. If your credit score is even better (in the "excellent" range), SECURA Insurance could be the best option. SECURA Insurance's prices for drivers with "excellent" credit average are $1,229 per year less than the typical car insurance premium for drivers with excellent credit in Michigan.

Find below a breakdown of auto insurance rates in Michigan for drivers with good, very good, and excellent credit scores.

AFFORDABLE CAR INSURANCE COMPANIES FOR DRIVERS WITH GOOD CREDIT IN MICHIGAN
Insurance CompanyAvg. Annual Auto Insurance Rate
SECURA Insurance$1,071
GEICO$1,144
Chubb$1,563
USAA$1,648
Auto-Owners Insurance Co$1,665
MEEMIC Insurance Company$1,713
Farm Bureau Ins of MI$1,732
Metropolitan$1,809

AFFORDABLE CAR INSURANCE COMPANIES FOR DRIVERS WITH VERY GOOD CREDIT IN MICHIGAN
Insurance CompanyAvg. Annual Auto Insurance Rate
SECURA Insurance$1,010
GEICO$1,103
Chubb$1,428
USAA$1,515
Auto-Owners Insurance Co$1,542
Farm Bureau Ins of MI$1,587
MEEMIC Insurance Company$1,625
Metropolitan$1,716

AFFORDABLE CAR INSURANCE COMPANIES FOR DRIVERS WITH EXCELLENT CREDIT IN MICHIGAN
Insurance CompanyAvg. Annual Auto Insurance Rate
SECURA Insurance$950
GEICO$1,010
Chubb$1,169
Auto-Owners Insurance Co$1,345
USAA$1,393
Farm Bureau Ins of MI$1,518
MEEMIC Insurance Company$1,533
Metropolitan$1,549

Compare rates from top companies!

Location pin icon
Your information is secure.

Car insurance for low-mileage drivers in Michigan

The less you drive, the less likely you are to be involved in a collision or file a claim. That’s the logic auto insurance companies rely on when assigning lower rates to drivers who use their cars infrequently. If you don't exceed the threshold of 7,500 miles per year, you could save some money on car insurance. Exactly how much you'll save by driving fewer miles comes down to your insurance company's pricing practices.

If you're a Michigan resident who doesn't rack up major mileage, consider SECURA Insurance, which offers average annual savings of $222 for low-mileage clients.

AFFORDABLE CAR INSURANCE COMPANIES FOR LOW-MILEAGE DRIVERS (<7,500 MILES/YEAR) IN MICHIGAN
Insurance CompanyAvg. Annual Auto Insurance Rate
SECURA Insurance$1,055
GEICO$1,070
USAA$1,487
Chubb$1,563
MEEMIC Insurance Company$1,635
Auto-Owners Insurance Co$1,665
Farm Bureau Ins of MI$1,732
Metropolitan$1,809

Start your search today — compare rates now!

Location pin icon
Your information is secure.

Insurance rates for good drivers in Michigan — by city

Auto insurance rates don't depend only on the state in which a driver resides — their city matters, too. Car insurance companies rate policies by the driver’s home ZIP code, adjusting premiums for the risk presented by specific locations.

Find below a summary of car insurance rates for drivers with positive rating factors in the biggest cities in every state.

CityAvg. Rate — No IncidentsAvg. Rate — Good CreditAvg. Rate — Very Good CreditAvg. Rate — Excellent CreditAvg. Rate — Low Mileage
Grand Rapids$2,398$2,398$2,132$1,871$2,269
Lansing$2,591$2,591$2,293$2,002$2,427
Sterling Heights$3,479$3,479$3,055$2,645$3,236
Warren$3,658$3,658$3,216$2,788$3,426
Detroit$5,631$5,631$4,928$4,231$5,173

Find an affordable policy today!

Location pin icon
Your information is secure.