Cheap Car Insurance Quotes in Michigan 2024
Cheap Car Insurance Quotes in Michigan 2024
Auto-Owners has the best cheap car insurance in Michigan, at $1,134 per year or $95 per month for minimum liability coverage.
Best cheap car insurance in Michigan
To find the best cheap car insurance in MI, ValuePenguin analysts compared quotes from top auto insurance companies.
Quotes for minimum coverage meet the Michigan state minimum requirements. Full coverage quotes include higher liability limits, along with collision and comprehensive coverage.
Our experts found the best auto insurance companies in Michigan, based on the costs for different drivers and customer service reviews.
Cheapest full coverage car insurance in Michigan: Progressive
Progressive has the cheapest full coverage auto insurance in Michigan. It costs $253 per month on average, which is 34% cheaper than the state overall.
Michigan has the most expensive car insurance in the U.S. The average cost of full coverage auto insurance in Michigan is $386 per month.
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 full coverage policy costs $156 per month, which is $97 less per month than Progressive's rate.
Cheapest full coverage companies
Company | Monthly rate | |
|---|---|---|
| Progressive | $253 |
| Auto-Owners | $266 |
| AAA | $371 |
| State Farm | $391 |
| Farmers | $882 |
*USAA is only available to current and former military members and their families.
Full coverage policies include liability insurance, which pays for damage you cause in a crash, 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.
Cheapest car insurance quotes in Michigan: Auto-Owners
Auto-Owners offers the cheapest minimum coverage auto insurance in Michigan. An Auto-Owners policy costs $95 per month on average. That's 39% cheaper than the state average.
The average cost of car insurance in Michigan is $154 per month, or $1,849 per year, for minimum coverage.
Cheapest Michigan car insurance companies
Company | Monthly rate |
|---|---|
| Auto-Owners | $95 |
| Progressive | $101 |
| AAA | $174 |
| State Farm | $185 |
| Farmers | $328 |
*USAA is only available to current and former military members and their families.
Minimum coverage insurance is the most affordable insurance option in Michigan, costing $232 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 $5,000 or is less than 8 years old, getting a full coverage policy is often a better deal. For cheaper or older cars, you might save more by getting minimum coverage and paying for repairs yourself.
Cheapest car insurance quotes for young drivers in Michigan: Auto-Owners
Teen drivers in Michigan can find the cheapest auto insurance quotes from Auto-Owners.
Auto-Owners insurance costs an average of $187 per month for a teen buying minimum coverage. The company's rates average $545 per month for full coverage.
Cheapest MI car insurance for teens
Company | Liability only | Full coverage |
|---|---|---|
| Auto-Owners | $187 | $545 |
| Progressive | $299 | $917 |
| AAA | $330 | $756 |
| State Farm | $402 | $799 |
| Farmers | $572 | $1,568 |
Young drivers who are eligible for USAA can get low rates that average $68 per month for minimum coverage. But policies are only available to military members, veterans and their immediate families.
In Michigan, 18-year-old drivers pay $156 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 car insurance discounts for taking driver safety classes or having good grades.
Find Cheap Auto Insurance Quotes in Michigan
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 $308 per month. That's 38% cheaper than the state average of $492 per month.
Company | Monthly rate |
|---|---|
| Progressive | $308 |
| Auto-Owners | $314 |
| State Farm | $442 |
| AAA | $448 |
| Farmers | $1,239 |
A single speeding ticket increases insurance quotes for Michigan drivers by 27%, on average.
However, some insurance companies raise prices more than others. State Farm only raises rates by 13% after a ticket, while drivers with Farmers can expect quotes that are 40% higher.
Cheapest car insurance after an accident: Auto-Owners
Auto-Owners has the cheapest quotes for Michigan drivers who have caused an accident. The cost of a full coverage policy from Auto-Owners is $314 per month, 40% less than the state average.
Company | Monthly rate |
|---|---|
| Auto-Owners | $314 |
| Progressive | $360 |
| State Farm | $458 |
| AAA | $552 |
| Farmers | $1,239 |
In Michigan, an at-fault accident on your record raises rates by an average of 36%, or $138 per month.
Cheapest car insurance for young drivers after a ticket or accident: Auto-Owners
Auto-Owners is the cheapest option for young drivers in Michigan who have a recent speeding ticket or accident.
The company's rates average $222 per month for minimum coverage after either an at-fault accident or a speeding ticket.
Company | Ticket | Accident |
|---|---|---|
| Auto-Owners | $222 | $222 |
| Progressive | $314 | $337 |
| AAA | $366 | $428 |
| State Farm | $494 | $483 |
| Farmers | $735 | $705 |
After a speeding ticket, young drivers in Michigan pay an average of $58 more per month for minimum coverage car insurance. An accident raises rates by an average of $66 per month.
Cheapest car insurance in MI after a DUI: Progressive
Progressive is the cheapest option for Michigan drivers who have a DUI (driving under the influence) conviction. Full coverage rates from Progressive average $299 per month, which is 59% cheaper than average.
Company | Monthly rate |
|---|---|
| Progressive | $299 |
| Auto-Owners | $627 |
| AAA | $963 |
| State Farm | $1,008 |
| Farmers | $1,180 |
In Michigan, having a DUI on your record can cause your car insurance rates to nearly double. To get the cheapest car insurance, choose a company with low rates and look for discounts for things like taking a defensive driving class.
Best car insurance companies in Michigan
USAA is the best-rated car insurance company in Michigan.
The company has good customer service reviews and the cheapest car insurance rates in Michigan, earning top marks from ValuePenguin editors. However, not everyone can buy car insurance from USAA. You must be a military member, veteran or family member to qualify.
State Farm and AAA are also highly rated options in Michigan and are available to everyone. Both have strong customer service reputations.
Michigan's best car insurance companies
Company |
Editor's rating
|
J.D. Power
|
AM Best
|
|---|---|---|---|
| USAA | 881 | A++ | |
| State Farm | 842 | A++ | |
| AAA | 827 | A | |
| Auto-Owners | 837 | A++ | |
| Farmers | 815 | 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 for customer service. High ratings for service 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 Grand Haven 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 $1,300 a month for a full coverage policy.
Drivers living in Hamtramck, a Detroit suburb, pay an average of $1,584 per month for full coverage insurance. People in Shoreham and Grand Haven, on Lake Michigan, can expect to pay $276 per month for the same coverage.
Average cost of full coverage insurance by city
City | Monthly rate | % from average |
|---|---|---|
| Acme | $312 | -19% |
| Addison | $327 | -15% |
| Adrian | $307 | -21% |
| Afton | $312 | -19% |
| Ahmeek | $316 | -18% |
Michigan car insurance requirements
In Michigan, you are required to have car insurance coverage limits of 50/100/10.
- $50,000 in bodily injury liability coverage per person
- $100,000 in bodily injury liability 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.
Frequently asked questions
Who has the cheapest car insurance in Michigan?
Auto-Owners has the cheapest car insurance quotes in Michigan, with an average rate of $95 per month for minimum coverage insurance. If you need full coverage, Progressive has the best rate, at $253 per month.
What is the average car insurance cost in Michigan?
The average cost of auto insurance in Michigan is $154 per month for a minimum coverage policy. For a full coverage policy, the average rate is $386 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 $1,537 per month. This is nearly four times 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, up to a year in jail 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 2016 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 and $100,000 per accident |
| Property damage liability | $25,000 per accident |
| Personal injury protection | $250,000 |
| Property protection insurance | $1 million per accident |
| Uninsured and underinsured motorist bodily injury | $50,000 per person and $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.