Cheapest Auto Insurance in Michigan (2024)

Auto-Owners has the cheapest car insurance in the Wolverine State, with monthly liability-only rates averaging $64.

17+ years in insurance and personal finance writing

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Angela is an insurance and personal finance expert who uses her experience to create content that helps readers understand important and complex topics.

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Licensed auto and home insurance agent

4+ years in content creation and marketing

As Insurify’s home and pet insurance editor, Danny also specializes in auto insurance. His goal is to help consumers navigate the complex world of insurance buying.

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Corporate communications director for Insurance Information Institute

20+ years in insurance and communications

As Director, Corporate Communications for Triple-I, Mark serves as the non-profit’s national spokesperson, sharing information and education on a wide array of insurance issues.

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7+ years experience in data analysis

Ph.D. in Computational Biology

Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.

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Updated June 17, 2024

Save up to $717 by comparing quotes from the top 100+ insurance companies

At Insurify, our goal is to help customers compare insurance products and find the best policy for them. We strive to provide open, honest, and unbiased information about the insurance products and services we review. Our hard-working team of data analysts, insurance experts, insurance agents, editors and writers, has put in thousands of hours of research to create the content found on our site.

We do receive compensation when a sale or referral occurs from many of the insurance providers and marketing partners on our site. That may impact which products we display and where they appear on our site. But it does not influence our meticulously researched editorial content, what we write about, or any reviews or recommendations we may make. We do not guarantee favorable reviews or any coverage at all in exchange for compensation.

Cheapest recent rates in Michigan

We just helped a driver in Hastings, Michigan cover their GMC Acadia with this quote from Safeco.

A Muskegon, Michigan driver just saved on coverage for their Honda Accord with this quote from USA Underwriters.

GEICO's average rate for Michigan drivers with good credit and a clean driving record.

We just helped a driver in Grand Rapids, Michigan cover their Ford Escape with this quote from Bristol West.

A Kalamazoo, Michigan driver just saved on coverage for their Ford Edge with this quote from Direct Auto.

State Farm's average rate for Michigan drivers with good credit and a clean driving record.

Auto-Owners's average rate for Michigan drivers with good credit and a clean driving record.

USAA's average rate for Michigan drivers with good credit and a clean driving record.

Chubb's average rate for Michigan drivers with good credit and a clean driving record.

*Quotes generated for Insurify users from Michigan within the last 10 days. Last updated on June 12, 2024

We just helped a driver in Fort Gratiot, Michigan cover their Chrysler Town & Country with this quote from Safeco.

Direct Auto helped a Ford Explorer driver in Charlotte, Michigan save on car insurance with this quote.

GEICO's average rate for Michigan drivers with good credit and a clean driving record.

We just helped a driver in Mason, Michigan cover their Ford Escape with this quote from Bristol West.

USA Underwriters helped a Toyota RAV4 driver in Ray, Michigan save on car insurance with this quote.

State Farm's average rate for Michigan drivers with good credit and a clean driving record.

Auto-Owners's average rate for Michigan drivers with good credit and a clean driving record.

Nationwide's average rate for Michigan drivers with good credit and a clean driving record.

Progressive's average rate for Michigan drivers with good credit and a clean driving record.

*Quotes generated for Insurify users from Michigan within the last 10 days. Last updated on June 12, 2024

Michigan is one of the most expensive states for car insurance, Insurify data shows. Full-coverage policies cost $335 per month, or $4,020 per year, on average, the ninth-highest rate in the nation.

High state coverage requirements, severe winter weather, and a relatively high percentage of uninsured drivers all contribute to the high costs of insurance in the Great Lakes State.[1]

Michigan drivers will need to compare quotes from multiple car insurance companies to find the best deal available to them. Maintaining a clean driving record can also help you find lower rates.

The average cost of full-coverage car insurance in Michigan is $335 per month, and liability-only coverage costs $180 per month.

Auto-Owners is the cheapest top insurer in Michigan, with rates as low as $64 per month.

Detroit has some of the most expensive car insurance rates in the country, at $372 per month, on average.

Find Car Insurance in Michigan

Compare rates from 100+ top insurers and save up to $717 annually

Cheapest car insurance companies in Michigan

Finding the best auto insurance company for you will take a little work. While Michigan drivers have plenty of options when choosing an insurance company, you’ll want to consider your needs, budget, and risks when finding the right fit for your family. The insurer with the lowest rates might not be the best fit.

As you’re researching, consider the type of policy you want and whether or not you have unique circumstances (like a spotty driving record) that could affect your rates.

Our editorial team spent more than 350 hours developing the Insurify Quality (IQ) Score and scoring insurance companies. The IQ Score objectively analyzes and calculates a score for insurers using more than 15 crucial criteria. The team weighted criteria by importance to the consumer — factors such as customer reviews and affordability influence the score more than availability and third-party ratings.

We rate each company on a 1-to-5 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. Insurify updates ratings once a year or as more recent information becomes available.

Best insurer for drivers with a clean record: Auto-Owners

Drivers with a Clean RecordAuto-Owners

Auto-Owners Insurance opened its doors in 1916 and now offers coverage to nearly 3 million people. Auto-Owners operates in 26 states and offers a range of products, including auto insurance, life insurance, and business insurance.

Some of the cheapest rates in Michigan

Variety of coverages and products 

Based in Michigan

High number of complaints from Michigan consumers in the National Association of Insurance Commissioners data base

Many complaints on Trustpilot

Quotes not available online

Interested in Changing

Excellent

Good Customer Service

Best insurer for military members and their families: USAA

Military Members and Their FamiliesUSAA

USAA is the top auto insurance choice for active-duty military members, veterans, and their families in Michigan. USAA consistently scores high on customer satisfaction studies from J.D. Power and has a strong Insurify Quality (IQ) Score.

Affordable rates

Exceptional customer service ranking by J.D. Power

Usage-based insurance available

Limited to active-duty military members, veterans, spouses, and children

Home/auto bundling discount lower than many competitors

Fewer coverage options

Excellent

Based on Very Little Direct Experience (No Claims)

High Prices

Best insurer for discounts: GEICO

DiscountsGEICO

GEICO offers a broad range of coverage options and discounts, including roadside assistance coverage starting at just $14 per year. You can also get rental reimbursement and mechanical breakdown coverage to help you get back on the road.

Competitive rates 

Variety of discounts

Mobile app has excellent customer ratings

Below-average J.D. Power customer satisfaction rating

Gap insurance not available

Not the cheapest insurer in Michigan

I Can't Afford Geico

Average

10

Read More: The 10 Best Car Insurance Companies

How to get the cheapest car insurance in Michigan

Common factors that insurers consider when setting car insurance rates include a driver’s history, age, credit score, and where they live. The type of coverage you choose, like liability insurance or full coverage, will affect the cost of your policy, too. Here are a few tips for finding the cheapest car insurance in Michigan:

Look for discounts. Check with auto insurance companies to see what discounts they offer. You may also find discounts through your work, local organizations (like the AARP), or safe driver programs.

Compare rates from multiple insurance companies. To ensure you get the best rates, compare coverage options between at least three insurance companies. Compare the cost of coverage with the amount they offer and find one that best fits your needs.

Opt for minimum coverage. If you own your vehicle and could afford to replace it or cover the cost of repairs in an accident, opting for liability-only coverage could save you a lot of money. You won’t have as much protection, but your premium will cost less since you’re taking on more risk.

Bundle multiple policies. Many insurance companies offer several types of insurance products, including auto insurance, home insurance, and renters insurance. Ask your insurer if you can bundle your policies for a discounted rate. Bundled policies often offer the best deal for households with multiple insurance products.

Why are car insurance rates rising in Michigan?

Car insurance rates in Michigan rose 5% over the course of 2023, according to Insurify’s latest report. Michigan continues to be one of the most expensive states for car insurance in the country, with the average driver spending 3.7% of their household income on car insurance payments compared to the national average of 2.6%. 

The Michigan Catastrophic Claims Association (MCCA), which manages the state’s catastrophic claims fund, added a recoupment fee for policyholders on July 1, 2023. This move, along with industry-wide rate hikes, means Michigan drivers will likely face even higher car insurance premiums by the end of 2024.

Nationally, Insurify projects prices to rise an additional 7% in 2024 - nearly twice the average yearly increase.

Cheapest liability-only car insurance in Michigan: Auto-Owners

All Michigan drivers must have at least liability-only car insurance to legally operate a vehicle in the state. Liability insurance pays for personal injury protection and property damage expenses for other drivers involved in an accident with your vehicle, but it doesn’t offer personal injury or property damage protection for you or your vehicle.

If you’re looking for the cheapest car insurance, a liability-only policy will be less expensive than full coverage and could be a good option for your needs. If you’re worried about medical expenses, liability might not be the right choice for you.

The cheapest insurer for liability-only insurance in Michigan is Auto-Owners, with an average cost of $64 per month.

7+ years experience in data analysis

Ph.D. in Computational Biology

Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.

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Cheapest full-coverage car insurance in Michigan: Auto-Owners

Drivers who want more protection should opt for full-coverage car insurance. A full-coverage policy offers the state-minimum requirements for liability and additional protection for your vehicle in an accident through collision and comprehensive coverage.

Full coverage is a good idea for drivers who can’t afford repairs or a replacement if their vehicle is damaged or totaled in an accident. If you lease or finance your vehicle, your leasing company or lender will require you to carry full-coverage car insurance. Full coverage will cost more, but it offers more financial protection. High-risk drivers may also consider a full-coverage policy for maximum security.

Auto-Owners offers the cheapest full-coverage car insurance in Michigan, with monthly rates averaging $112.

7+ years experience in data analysis

Ph.D. in Computational Biology

Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.

Read Editorial Guidelines

Cheapest recent rates in Michigan

A Hastings, Michigan driver just saved on coverage for their GMC Acadia with this quote from Safeco.

We just helped a driver in Holt, Michigan cover their Honda CR-V with this quote from Bristol West.

State Farm's average rate for Michigan drivers with good credit and a clean driving record.

A Kalamazoo, Michigan driver just saved on coverage for their Chevrolet Traverse with this quote from USA Underwriters.

We just helped a driver in Kalamazoo, Michigan cover their Ford Edge with this quote from Direct Auto.

GEICO's average rate for Michigan drivers with good credit and a clean driving record.

*Quotes generated for Insurify users within the last 10 days. Last updated on June 12, 2024

A Fort Gratiot, Michigan driver just saved on coverage for their Chrysler Town & Country with this quote from Safeco.

We just helped a driver in Charlotte, Michigan cover their Ford Explorer with this quote from Direct Auto.

State Farm's average rate for Michigan drivers with good credit and a clean driving record.

A West Branch, Michigan driver just saved on coverage for their Jeep Cherokee with this quote from Bristol West.

We just helped a driver in Ray, Michigan cover their Toyota RAV4 with this quote from USA Underwriters.

GEICO's average rate for Michigan drivers with good credit and a clean driving record.

*Quotes generated for Insurify users within the last 10 days. Last updated on June 12, 2024

Car insurance requirements in Michigan

Michigan is a no-fault state, so insurance companies must pay out no matter who’s at fault in an accident. In addition, Michigan drivers must carry no-fault insurance. Michigan insurance companies utilize eligibility points to determine who qualifies for coverage with their company. These eligibility points aren’t the same as points the state uses on a driver’s record.[2] 

Insurance companies can decline to offer coverage if you have six or more points. The most significant point offenders are driving more than 15 miles per hour over the speed limit and second offenses on any incident or accident where you’re at fault. Michigan drivers must also carry personal injury protection (PIP) and property protection insurance.

Though not required, the following coverages can be helpful to carry if you want more thorough protection than the state minimum:

Collision insurance covers the cost of damages to your vehicle if you collide with another car or an object like a tree, fence, or light pole.[3]

Collision also covers damages from rollover accidents or hitting a pothole.

Comprehensive insurance provides coverage for damage to your vehicle from anything not related to a collision, such as fire, robbery, vandalism, theft, or weather.

Limited property damage liability insurance provides extra protection if you’re found 50% more at fault for a car accident and the other driver’s insurance won’t cover damages.

You may opt to purchase towing and rental coverage to pay the cost of moving your vehicle and paying for a rental while your car is in the shop.

An uninsured/underinsured motorist policy offers additional protection against injuries or damages from a driver without insurance or a driver with a policy that won’t cover medical expenses or car repairs. In Michigan, this coverage is optional, not required.

Cheapest car insurance for drivers with an incident

It may be more difficult to secure cheap car insurance with incidents on your driving record. Insurance companies typically consider incidents like at-fault accidents, speeding tickets, DUIs, and other moving violations as risky behaviors.

Since insurance companies are required to pay for damages in Michigan, regardless of fault, any increased risky behavior could increase the cost of your policy. Michigan drivers could see the average cost of their policy increase significantly, depending on the type of incident.

Shop for Car Insurance in Michigan

Find liability coverage as low as $64/month

Cheapest car insurance for drivers with a speeding ticket: Auto-Owners

Speeding tickets may affect the cost of your insurance in Michigan. Michigan operates on a point system, with drivers accumulating points for certain traffic convictions. Speeding infractions typically result in two to four points, depending on how many miles over the posted limit you were driving when pulled over. Multiple speeding tickets can be a sign that you’re a risky driver, and the cost of your car insurance could increase.

Drivers with a speeding ticket in Michigan pay an average of $218 per month for liability-only insurance.

7+ years experience in data analysis

Ph.D. in Computational Biology

Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.

Read Editorial Guidelines

Cheapest car insurance for drivers with an at-fault accident: Auto-Owners

Drivers with at-fault accidents may accumulate points on their driving record and pay more for car insurance. Drivers with six or more violations or accumulating 12 points within two years must retake their driver’s test. But if you've had a clean driving record for three years or longer, buying accident forgiveness coverage can keep your rates stable in case you do cause an accident.

Michigan drivers with an at-fault accident on their record pay an average of $425 per month for a full-coverage policy.

7+ years experience in data analysis

Ph.D. in Computational Biology

Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.

Read Editorial Guidelines

Cheapest car insurance for drivers with a DUI: Auto-Owners

Michigan law allows insurance companies to deny insurance coverage to drivers with a history of a DUI in the past three years. Since drivers with a DUI conviction are considered higher risk (and may even require an SR-22 certificate), drivers should expect to pay a higher premium.

If you’ve been convicted of a DUI in Michigan, you might pay a monthly average of $264 for liability-only insurance and $492 for full-coverage insurance.

Drivers with a DUI conviction may have fewer options, but some insurers still offer affordable quotes, as seen below.

7+ years experience in data analysis

Ph.D. in Computational Biology

Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.

Read Editorial Guidelines

Cheapest car insurance for seniors: Auto-Owners

Senior drivers can expect to pay a little more once they reach age 70. The increased rate offsets some of the higher risks senior drivers experience. Common causes of accidents in seniors include physical and mental decline or medication complications.[4]

Senior drivers in Michigan pay an overall average of $229 per month for car insurance coverage.

You can find the cheapest car insurance companies for senior drivers in Michigan below.

7+ years experience in data analysis

Ph.D. in Computational Biology

Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.

Read Editorial Guidelines

Cheapest car insurance for teens: USAA

Young drivers typically face higher insurance premiums than older drivers because insurance companies view them as more likely to file a claim. Drivers between the ages of 16 and 19 are more likely to be involved in a car accident than any other age group, according to the Centers for Disease Control and Prevention (CDC).[5]

A liability-only policy averages $242 per month for teen drivers in Michigan.

Teen drivers can secure lower insurance costs in many different ways, such as staying on their parents’ policy, obtaining a safe-driving certification, and applying for a good student discount. Teens younger than 18 won't be able to buy their own policy without written consent from a parent or guardian.

7+ years experience in data analysis

Ph.D. in Computational Biology

Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.

Read Editorial Guidelines

Learn More: The 10 Best and Worst Car Insurance Comparison Sites

Find Cheap Car Insurance in Michigan

Compare rates from 100+ top insurers and save up to $717 annually

Michigan car insurance quotes by credit tier

Michigan prohibits car insurance companies from using credit history when determining premiums. It also bans the use of gender, marital status, home ownership, education, occupation, and ZIP codes in rating decisions.

The table below shows what the average driver in Michigan may expect to pay based on their credit score.

Michigan car insurance FAQs

Finding the right car insurance can be challenging. Below, you’ll find answers to some commonly asked questions about how to find the best car insurance in Michigan.

How much is car insurance in Michigan?

Car insurance in Michigan costs $258 per month, on average. Drivers in the state pay $335 per month for full-coverage insurance and $180 per month for liability coverage. Your exact rate will depend on your insurer, driving record, age, credit history, vehicle type, chosen coverage level, and more.

Who has the cheapest car insurance in Michigan?

Auto-Owners, USAA, and Chubb have the cheapest insurance in Michigan. Their liability-only rates average $64, $65, and $70 per month, respectively. But the cheapest insurer for you will depend on multiple factors, including your age, ZIP code, type of car you drive, and chosen coverage levels.

Why is car insurance so expensive in Michigan?

Car insurance in Michigan is so expensive partly because it’s a no-fault state, meaning drivers must carry personal injury protection insurance to cover damages regardless of who caused a given accident. This extra coverage isn’t required in most states, so Michigan drivers have to bear the burden of higher insurance premiums.

What are the best car insurance companies in Michigan?

With an Insurify Quality (IQ) Score of 4.0 out of 5 and an AM Best financial strength rating of A++ (Superior), Auto-Owners is the best car insurance company in Michigan. Of the insurers Insurify has rate data for, other top Michigan auto insurers include USAA and GEICO.

How much car insurance do you need in Michigan?

Drivers in Michigan must carry $20,000 per person and $40,000 per accident in bodily injury liability insurance, as well as $10,000 in property damage liability coverage. Michigan drivers must also carry personal injury protection and property protection insurance.

Is Michigan a no-fault state?

Yes. Michigan is a no-fault state. This means drivers responsible for an auto accident are responsible for covering the costs of resulting damage and injury for the other driver and their passengers.

How Michigan Drivers Measure Up

While most drivers know that car insurance quotes are determined in part by your personal driving history, many may be unaware that rates are also impacted by the average risk of the drivers around you as well. Check out Insurify's latest analysis of driving records in Michigan below:

Drawing from an internal database of over 4 million car insurance applications, the research team at Insurify analyzes patterns in car ownership and driver behavior - including how Michigan drivers measure up to their fellow motorists across the United States in areas including speeding, DUIs, and more. Insurify Insights publishes data-driven articles, trend analyses, and national rankings each week on all factors related to cars and those who drive them.

Most Popular Car in Michigan

State with the Most Speeding Tickets Rank

State with the Moving Violations Rank

State with the Most DUIs Rank

State with the most Suspended Licenses

While car accidents are a sadly unavoidable feature of time spent on the road, rates of accidents do vary from city to city and from state to state. Michigan is the #50 state in the country for drivers with an at-fault accident on their driving record.

While driving while intoxicated is never acceptable, it’s a more common offense than many assume. Michigan is the #36 state in the country for drivers with a prior drunk driving conviction.

Reckless driving refers to a specific traffic violation: when drivers willfully act dangerously in spite of the risks they’re imposing on both themselves and others. Michigan is the #17 state in the country for drivers with a reckless driving offense on record.

The Insurify team classifies rude drivers as those who commit one or more of the following driving offenses: failure to yield or failure to stop, improper backing, passing where prohibited, tailgating, street racing, or hit-and-run. Michigan is the #20 state in the country for drivers with a rude driving violation on record.

Exceeding the speed limit can endanger others and have a serious impact on your insurance costs. Michigan is the #40 state in the country for drivers with a speeding ticket on record.

Failing to yield the right of way isn’t just frustrating for other drivers; it’s dangerous, too. Michigan is the #47 state in the country for drivers with a failure to yield violation on record.

Insurify's team of data scientists and content specialists presents Insurify Insights, a series of automotive, home, and health studies focusing on the topics that impact us all. through expert analysis of over 4 million car insurance applications and an array of top data sources, the Insurify Insights team produces new data-driven articles, trend analyses, regional superlatives, and national rankings every week. See Insurify Insights as featured in Forbes, Fox News, USA Today, NPR, and more.

Methodology

Insurify data scientists analyzed more than 90 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 50+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.

Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).

Liability-only premium averages correspond to policies with the following coverage limits:

Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.

Sources

Angela Brown is a freelance writer with 17 years of professional writing and editing experience. She specializes in finance, real estate, and insurance content. Angela uses her experience to create easy-to-understand content that helps consumers understand tough topics better. When she’s not working, she enjoys spending time with her family and planning vacations.

Licensed auto and home insurance agent

4+ years in content creation and marketing

As Insurify’s home and pet insurance editor, Danny also specializes in auto insurance. His goal is to help consumers navigate the complex world of insurance buying.

Read Editorial Guidelines

Featured in

Corporate communications director for Insurance Information Institute

20+ years in insurance and communications

As Director, Corporate Communications for Triple-I, Mark serves as the non-profit’s national spokesperson, sharing information and education on a wide array of insurance issues.

Read Editorial Guidelines

7+ years experience in data analysis

Ph.D. in Computational Biology

Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.

Read Editorial Guidelines

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