Best Cheap Car Insurance Quotes in Michigan 2023
Best Cheap Car Insurance Quotes in Michigan 2023
Progressive has the cheapest car insurance in Michigan, at $91 per month for minimum coverage.
Best cheap car insurance in Michigan
To find the best cheap car insurance in MI, we compared quotes from top auto insurance companies in Michigan.
Quotes for minimum coverage meet the Michigan state minimum requirements. Full coverage quotes include higher liability limits than state minimums, along with collision and comprehensive coverage.
We found the best auto insurance companies in MI based on the cost for different drivers and customer service reviews.
Cheapest car insurance quotes in Michigan: Progressive
Progressive offers the cheapest minimum coverage auto insurance in Michigan. A policy from Progressive costs $91 per month, or $1,094 per year. That's 53% cheaper than the state average.
The average cost of car insurance in Michigan is $196 per month, or $2,348 per year, for minimum coverage.
Find Cheap Auto Insurance Quotes in Michigan
Members of the military, veterans and their families can get even cheaper auto insurance quotes from USAA. USAA's minimum coverage policy costs $40 per month, which is $51 less per month than Progressive's rate.
Cheapest Michigan car insurance companies
Company | Monthly rate | |
|---|---|---|
| Progressive | $91 |
| Auto-Owners | $94 |
| Frankenmuth | $107 |
| Farm Bureau | $137 |
| State Farm | $211 |
USAA is only available to current and former military members and their families.
Minimum coverage insurance is the most affordable insurance option in Michigan, and it costs $203 per month less than full coverage.
However, minimum car insurance coverage doesn't include comprehensive and collision. This means that it won't pay for damage you cause to your car.
If your car is worth more than $3,000, getting a full coverage policy is a better deal. For cheaper or older cars, it may be a better deal to get minimum coverage and pay for repairs yourself.
Cheapest full coverage car insurance in Michigan: Progressive
Progressive also has the cheapest full coverage auto insurance in Michigan. It costs $153 per month, which is 62% cheaper than the statewide average.
Michigan has the most expensive car insurance in the U.S. The average cost of full coverage auto insurance in Michigan is $399 per month.
Cheapest full coverage companies
Company | Monthly rate |
|---|---|
| Progressive | $153 |
| Auto-Owners | $230 |
| Frankenmuth | $280 |
| Farm Bureau | $334 |
| State Farm | $354 |
USAA is only available to current and former military members and their families.
Full coverage policies include liability insurance, along with collision and comprehensive coverage.
- Collision insurance pays to repair your car after an accident you cause.
- Comprehensive insurance pays to repair your car if it's damaged by weather, theft or vandalism.
Cheap car insurance quotes for Michigan drivers with prior incidents
Progressive is the cheapest car insurance company in Michigan for drivers with tickets or accidents on their record.
Drivers with military ties could find even cheaper quotes from USAA. However, it only sells insurance to military members, veterans and their families.
Michigan drivers who have had speeding tickets, accidents or DUIs pay more for car insurance than drivers with clean driving records. These types of driving issues often happen again, so insurance companies charge higher rates for risky behavior.
Cheapest car insurance after a speeding ticket: Progressive
Michigan drivers with a recent speeding ticket can get affordable insurance from Progressive. A full coverage policy from Progressive costs $188 per month. That's 63% cheaper than the state average of $510 per month.
Company | Monthly rate |
|---|---|
| Progressive | $188 |
| Auto-Owners | $274 |
| Frankenmuth | $311 |
| Farm Bureau | $334 |
| State Farm | $454 |
A single speeding ticket increases insurance quotes for Michigan drivers by 28%, on average.
However, some insurance companies raise prices more than others. Frankenmuth only raises rates by 11% after a ticket, while drivers with Farmers can expect quotes that are 41% higher.
Cheapest car insurance after an accident: Progressive
Progressive also has the cheapest quotes for Michigan drivers who have caused an accident. The cost of a full coverage policy from Progressive is $211 per month — less than half of the state average.
Company | Monthly rate |
|---|---|
| Progressive | $211 |
| Auto-Owners | $274 |
| Frankenmuth | $364 |
| Farm Bureau | $387 |
| State Farm | $421 |
Auto-Owners is another cheap option after a car accident, costing $274 per month, on average.
Cheapest car insurance in MI after a DUI: Progressive
Progressive is the cheapest option for Michigan drivers who have a DUI. Full coverage rates from Progressive average $173 per month, which is 80% cheaper than average.
Company | Monthly rate |
|---|---|
| Progressive | $173 |
| Auto-Owners | $564 |
| Farm Bureau | $853 |
| Farmers | $978 |
| State Farm | $1,096 |
In Michigan, having a DUI on your record can cause your car insurance rates to double. To get the cheapest car insurance, choose a company with low rates and look for discounts such as discounts for taking a defensive driving class.
Cheapest car insurance quotes for young drivers in Michigan: Auto-Owners
Teen drivers in Michigan can find the cheapest car insurance quotes from Auto-Owners.
Auto-Owners insurance costs an average of $189 per month for a teen buying minimum coverage. The company's rates average $478 per month for full coverage.
Cheapest MI car insurance for teens
Company | Liability only | Full coverage |
|---|---|---|
| Auto-Owners | $189 | $478 |
| Farm Bureau | $212 | $523 |
| Frankenmuth | $252 | $583 |
| Progressive | $299 | $617 |
| State Farm | $560 | $918 |
Young drivers who are eligible for USAA can get low rates that average $72 per month for minimum coverage. But policies are only available to military members, veterans and their families.
In Michigan, 18-year-old drivers pay $211 more per month for minimum coverage car insurance than 30-year-old drivers.
Insurance companies charge teens more for insurance because they have less driving experience and are more likely to get in an accident.
The best way for young drivers to pay less for car insurance is to join a family insurance plan. Also, many companies offer discounts for taking driver safety classes and having good grades.
Cheapest car insurance for young drivers after a ticket: Farm Bureau
Farm Bureau is the cheapest option for young drivers in Michigan who have a recent speeding ticket. The company's rates average $212 per month for minimum coverage. Plus, Farm Bureau doesn't charge you more after a single ticket, unlike many other insurance companies.
Company | Monthly rate |
|---|---|
| Farm Bureau | $212 |
| Auto-Owners | $231 |
| Frankenmuth | $274 |
| Progressive | $317 |
| State Farm | $744 |
After a speeding ticket, young drivers in Michigan pay an average of $117 more per month for minimum coverage car insurance.
Cheapest quotes for teen drivers after an accident: Auto-Owners
Auto-Owners has the cheapest insurance for young drivers who caused a car accident, at $231 per month for minimum coverage. That makes the cost of an Auto-Owners policy 59% cheaper than the state average.
Company | Monthly rate |
|---|---|
| Auto-Owners | $231 |
| Farm Bureau | $246 |
| Progressive | $333 |
| Frankenmuth | $352 |
| State Farm | $683 |
Insurance companies in Michigan raise rates for young drivers by 37% after an accident, on average.
Best car insurance companies in Michigan
Auto-Owners is the best car insurance company in Michigan.
The company has good customer service reviews and broad coverage options. Plus it's a good value, with some of the cheapest car insurance rates in Michigan.
Michigan drivers can also find excellent service from USAA. However, not everyone can buy car insurance from USAA. You must be a military member, veteran or family member to qualify.
Michigan's best car insurance companies
Company |
Editor's rating
|
J.D. Power
|
AM Best
|
|---|---|---|---|
| Auto-Owners | 837 | A++ | |
| Farm Bureau | NR | A | |
| USAA | 881 | A++ | |
| State Farm | 842 | A++ | |
| Frankenmuth | NR | A |
All Michigan drivers should compare quotes from multiple companies to find the lowest price. You should also choose an insurance company with a great reputation. These high ratings can mean that after an accident, the claims process is quick and easy.
How you balance costs and quality is up to you. Making an auto insurance claim is stressful, and it helps to have a company that is usually responsive and fair.
Average car insurance cost in Michigan by city
Drivers in Shoreham and St. Joseph have the cheapest car insurance quotes in Michigan. Hamtramck has the highest rates in the state.
Where you live can impact your auto insurance rates. In Michigan, rates vary widely from city to city. The difference between the most and least expensive locations is more than $1,400 a month for a full coverage policy.
Drivers living in Hamtramck, a Detroit suburb, pay an average of $1,674 per month for full coverage insurance. People in Shoreham and St. Joseph, on Lake Michigan, can expect to pay $270 per month for the same coverage.
Average cost of full coverage insurance by city
City | Monthly cost | % from average |
|---|---|---|
| Acme | $350 | -12% |
| Addison | $367 | -8% |
| Adrian | $338 | -15% |
| Afton | $352 | -12% |
| Ahmeek | $325 | -19% |
Michigan car insurance requirements
In Michigan, you are required to have car insurance coverage limits of 50/100/10:
- $50,000 in bodily injury coverage per person
- $100,000 in bodily injury coverage per accident
- $10,000 in property damage liability
You also need:
- $250,000 in personal injury protection (PIP), or you can opt out
- $1 million per accident in property protection insurance
Michigan is a no-fault state. That means your insurance will cover your medical bills without considering who caused the car accident.
Michigan also has the highest required car insurance limits in the country. Michigan drivers are required to have personal injury protection (PIP) along with the standard liability coverages that most states require.
Personal injury protection (PIP) pays for injuries to you or your passengers in an accident. It also helps replace lost income while you recover, no matter who is at fault.
Michigan's auto insurance reform to lower insurance rates took effect on July 1, 2020. The new Michigan auto insurance laws lowered the PIP coverage requirements and increased liability limits for bodily injury and property damage. This saved drivers about $1,000 per year.
Frequently asked questions
Who has the cheapest car insurance in Michigan?
Progressive has the cheapest car insurance quotes in Michigan, with an average rate of $91 per month for minimum coverage insurance. If you need full coverage, Progressive also has the best rates, averaging $153 per month.
What is the average car insurance cost in Michigan?
The average cost of auto insurance in Michigan is $196 per month for a minimum coverage policy. For a full coverage policy, the average rate is $399 per month.
Why is car insurance so expensive in Michigan?
Car insurance in Michigan is expensive because the state requires high coverage limits. Recent reforms removed the requirement for unlimited personal injury protection (PIP). However, Michigan is still the most expensive state for car insurance, with rates that are about three times higher than average.
How much does car insurance cost in Detroit?
The average cost of a full coverage policy in Detroit is $1,452 per month. This is 264% higher than the state average.
What is the penalty for driving without insurance in Michigan?
Driving without insurance in Michigan is a misdemeanor. You could face a $500 fine and a 30-day license suspension. Plus there's a $125 fee to reinstate your license.
What is required for car insurance in Michigan?
Michigan auto insurance law requires drivers to carry a minimum of $250,000 of personal injury protection coverage. Drivers also need $1 million of property protection insurance per accident and liability coverage of 50/100/10.
Is Michigan still a no-fault state?
Yes, Michigan is a no-fault state. That means that no matter who causes an accident, your insurance will help pay for your injuries and lost income.
Methodology
ValuePenguin collected thousands of rates from ZIP codes across Michigan for the largest insurers in the state. Quotes are for a 30-year-old man driving a 2015 Honda Civic EX with a good credit score.
Unless otherwise noted, quotes are based on a full coverage policy.
Coverage | Limit |
|---|---|
| Bodily injury liability | $50,000 per person/$100,000 per accident |
| Property damage liability | $25,000 per accident |
| Personal injury protection | $250,000 |
| Property protection insurance | $1 million per accident |
| Uninsured/underinsured motorist bodily injury | $50,000 per person/$100,000 per accident |
| Comprehensive and collision | $500 deductible |
ValuePenguin's analysis used insurance rate data from Quadrant Information Services. These quotes were publicly sourced from insurer filings and should be used for comparative purposes only. Your own quotes may be different.
Editorial Note: The content of this article is based on the author’s opinions and recommendations alone. It has not been previewed, commissioned or otherwise endorsed by any of our network partners.