Best Cheap Car Insurance Quotes in Michigan 2023
Best Cheap Car Insurance Quotes in Michigan 2023
Progressive has the cheapest car insurance quotes in Michigan, at $91 per month for minimum liability coverage.
Best cheap car insurance in Michigan
To find the best cheap car insurance in MI, our editorial team gathered quotes from top auto insurance companies across every ZIP code in the state. Quotes for minimum coverage meet the Michigan state minimum requirements of $250,000 in personal injury protection (PIP) coverage, $1 million of property protection insurance, $50,000 in residual bodily injury liability coverage per person and $100,000 per accident, plus $10,000 in residual property damage liability. Full coverage quotes include higher liability limits than state minimums, along with collision and comprehensive coverage.
In addition, we rated the best auto insurance companies in MI based on the cost of insurance for different drivers, coverage availability, convenience 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 liability.
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.
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. It costs $203 less per month than a full coverage policy, on average.
However, unlike full-coverage, minimum liability doesn't include comprehensive and collision coverages, meaning it won't pay for damage to your own car. For that reason, we recommend full coverage car insurance for drivers with a car less than 10 years old, or worth more than $3,000.
Cheapest full coverage car insurance in Michigan: Progressive
Progressive also has the cheapest full-coverage auto insurance in Michigan. Progressive quotes are $153 per month, which is 62% cheaper than the statewide average.
Michigan has the most expensive car insurance in the US. 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 protects your own car in an accident, regardless of who’s at fault. Comprehensive insurance helps pay to repair damage to your car caused by weather, theft and vandalism.
Cheap car insurance quotes for Michigan drivers with prior incidents
Progressive has the cheapest car insurance for Michigan drivers with traffic violations on their record.
Drivers with military ties can find even cheaper quotes from USAA. However, it only sells insurance to military members, veterans and their families.
Michigan drivers with a history of speeding tickets, accidents and DUIs almost always pay more for car insurance than drivers with clean records. Typically, drivers who have committed a traffic violation or been in an accident are more likely to repeat those actions, making them riskier to insure.
Cheapest car insurance after a speeding ticket: Progressive
Michigan drivers with a recent speeding ticket can find 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 raised rates by 11% after a ticket, while drivers with Farmers can expect quotes 41% higher.
Cheapest car insurance after an accident: Progressive
Progressive also has the cheapest quotes for Michigan drivers who have an accident on their record. The cost of a full coverage policy from Progressive is $211 per month — $333 cheaper per month than the state average.
Company | Monthly rate |
|---|---|
| Progressive | $211 |
| Auto-Owners | $274 |
| Frankenmuth | $364 |
| Farm Bureau | $387 |
| State Farm | $421 |
Drivers can also find cheap coverage by comparing quotes from Auto-Owners after a crash. On average, insurance from Auto-Owners costs $274 per month. That's half the typical cost of car insurance in Michigan after an accident.
Cheapest car insurance in MI after a DUI: Progressive
Progressive is the cheapest option for Michigan drivers with a DUI or DWI on their driving record. 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 |
Car insurance companies tend to increase your rates significantly if you're cited for a DUI. On average, rates in Michigan increase by 115%.
Cheapest car insurance quotes for young drivers in Michigan: Auto-Owners
Teen drivers in Michigan can find the cheapest car insurance quotes for both minimum and full coverage from Auto-Owners.
Minimum coverage insurance from Auto-Owners costs $189 per month, which is 54% cheaper than the state average. A full coverage policy from Auto-Owners costs $478 per year.
Young drivers who are eligible for USAA can get even cheaper rates. Its minimum coverage policy costs $72 per month, which is $117 cheaper per month than Auto-Owners.
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 |
In Michigan, 18-year-old drivers pay $211 more per month for minimum coverage car insurance than 30-year-old drivers.
Insurance companies charge young drivers more for insurance because they have less experience behind the wheel and are more likely to cause an accident.
The best way for young drivers to get cheaper car insurance quotes is to share a policy with an older adult, like a parent or sibling. Many companies also offer discounts for taking additional driver training courses and maintaining a high GPA in high school or college.
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. At $212 per month, the cost of minimum coverage car insurance with Farm Bureau doesn't go up 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 |
On average, minimum coverage car insurance is $117 more expensive per month for young drivers after a speeding violation. That's 29% more than drivers with a clean record pay for the same protection.
Cheapest car insurance for teen drivers after an accident: Auto-Owners
The cheapest insurance for young drivers with an at-fault accident is Auto-Owners. The company doesn't raise rates for young drivers after an accident — its rate remains 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 our pick for best car insurance company in Michigan.
The company earned a high score from our editors based on customer service reviews, coverage availability and the overall value it provides policyholders. It also offers 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 their family member to qualify.
Michigan's best car insurance companies
Company |
Editor's rating
|
J.D. Power
|
AM Best
|
|---|---|---|---|
| Farm Bureau | NR | A | |
| USAA | 881 | A++ | |
| State Farm | 842 | A++ | |
| Auto-Owners | 837 | A++ | |
| Frankenmuth | NR | A |
We recommend all Michigan drivers compare auto insurance quotes to find the lowest price. However, you should also choose an insurance company with a great reputation because it can help make the claims process easy and quick after an accident.
How you balance savings and quality of service is up to you, but you'll likely make an auto insurance claim in a time of stress and need. It helps to know you'll be working with a company with a track record of being responsive and fair.
Average car insurance cost in Michigan by city
Drivers in Shoreham and Saint 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 just as much as how you drive. In Michigan, rates fluctuate significantly from city to city. The difference between the most and least expensive locations is more than $1,400 a year for a full coverage policy.
Drivers living in Hamtramck, a Detroit suburb, pay an average of $1,647 per month for full coverage insurance. People in Shoreham and St. Joseph, resort towns on Lake Michigan, can expect to pay $270 per month for the same coverage.
City | Average monthly cost | Percent from average |
|---|---|---|
| Acme | $350 | -12% |
| Addison | $367 | -8% |
| Adrian | $338 | -15% |
| Afton | $352 | -12% |
| Ahmeek | $325 | -19% |
Michigan car insurance requirements
Michigan is a no-fault state. It 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 bodily injury and property damage 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, regardless of who is at fault.
Coverage | Limit |
|---|---|
| Personal injury protection (PIP) | $250,000 or opt-out |
| Property protection insurance | $1 million per accident |
| Residual bodily injury liability | $50,000 per person/$100,000 per accident |
| Residual property damage liability | $10,000 per accident |
Michigan passed an auto insurance reform, which took effect on July 1, 2020, with the intent of lowering costs for drivers statewide. The new Michigan auto insurance laws lowered the minimum requirement for PIP insurance, while increasing residual bodily injury and property damage liability limits.
Frequently asked questions
Who has the cheapest car insurance in Michigan?
Progressive has the cheapest car insurance quotes in Michigan, at $91 per month for minimum coverage insurance. Drivers who need full coverage can also find the best rates from Progressive, where a policy costs $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 quotes are expensive in Michigan because the minimum car insurance limits required by the state are high. Even after recent reforms removed the statewide requirement for unlimited personal injury protection (PIP), the average cost of full coverage insurance in Michigan is $201 more per month than the second-most-expensive state, Louisiana.
How much does car insurance cost in Detroit?
The average cost of a full coverage policy in Detroit is $1,452 per month. The largest city in the state, Detroit has the third-highest auto insurance quotes in Michigan — 264% above the state average.
What is the penalty for driving without insurance in Michigan?
Driving without insurance in Michigan is a misdemeanor. If you don't have an insurance policy, you could face a $500 fine, as well as a 30-day license suspension with a $125 reinstatement fee.
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, $1 million of property protection insurance per accident, $50,000 of residual bodily injury liability coverage per person and $100,000 per accident, and $10,000 of residual property damage liability per accident.
Is Michigan still a no-fault state?
Yes, Michigan is a no-fault state. It means your own insurance will help pay for your injuries and lost income after an accident, regardless of who caused the accident.
Methodology
We collected thousands of rates from ZIP codes across Michigan for the largest insurers in the state. The sample driver is 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 with the following limits:
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.