Cheap Car Insurance Quotes in Michigan 2026
Progressive has the cheapest full coverage auto insurance in Michigan, at $173 per month.
Find Cheap Car Insurance Quotes in Michigan
Best cheap auto insurance in MI
Progressive, Auto-Owners and AAA are the cheapest companies for most people in Michigan.
- Want full coverage? Progressive: $173/mo
- Only need minimum coverage? AAA: $70/mo
- Want the best service? Auto-Owners: $226/mo
- Have a speeding ticket? Progressive: $223/mo
- Caused an accident? Auto-Owners: $266/mo
- Need coverage for a teen? Auto-Owners: $107/mo
- Got a DUI? Progressive: $209/mo
Monthly rates are based on full coverage car insurance for a 30-year-old man. Some rates use different ages or coverage limits.
Cheapest full coverage car insurance in Michigan: Progressive
Progressive, Auto-Owners and USAA are the top choices for full coverage car insurance in Michigan.
- Progressive has the cheapest full coverage rates for most people, at $173 per month on average. That's a savings of around 34% compared to the state average. However, Progressive customers aren't always happy with their claims experience.
- Auto-Owners is also a solid choice in Michigan, at $226 per month. While it costs quite a bit more than Progressive, it typically has better customer service reviews. So it could be the best option if you are willing to pay more for a less stressful claims experience after a crash.
- USAA offers even cheaper auto insurance quotes, at $146 per month, which is $27 less per month than Progressive. But only military members, veterans and some of their family members can get USAA insurance.
Find Cheap Car Insurance Quotes in Michigan
Cheapest full coverage insurance in Michigan
Company | Monthly rate |
|---|---|
| Progressive | $173 |
| Auto-Owners | $226 |
| AAA | $239 |
| Farm Bureau | $283 |
| USAA* | $146 |
*USAA is only available to current and former military members and their families.
Data-powered research on Michigan car insurance
Senior Writer, Licensed Property and Casualty Insurance Agent
Michigan requires you to have personal injury protection (PIP), but you can choose the limit. Most people have to have at least $250,000, but you can get less if you meet certain requirements, such as being enrolled in Medicare.
The level of PIP coverage you pick has a direct impact on both your monthly rate and your financial protection after a serious accident.If you have good health insurance that covers injuries from a car accident, a lower PIP limit may help you save money. But if you want better protection or more peace of mind, choosing higher or unlimited PIP coverage could be a good option.
Cheapest minimum coverage car insurance quotes in Michigan: AAA
AAA, Auto-Owners and Progressive are the best options for minimum coverage auto insurance in Michigan. All three companies offer minimum coverage insurance for $72 per month or less, which is a savings of 20% compared to the state average. So it's best to compare quotes from all three companies.
Auto-Owners typically has better customer service than AAA or Progressive, so if all three companies offer you similar quotes, it's the best choice. But if you need coverage right away, Progressive is the best option, since you can quickly get a quote and buy a policy online.
Best cheap Michigan auto insurance
Company | Monthly rate |
|---|---|
| AAA | $70 |
| Auto-Owners | $71 |
| Progressive | $72 |
| Farm Bureau | $89 |
| USAA* | $45 |
*USAA is only available to current and former military members and their families.
Find Cheap Car Insurance Quotes in Michigan
Average car insurance quotes in Michigan by city
- Progressive is the cheapest company in 97% of Michigan cities, including Detroit. AAA and Auto-Owners each have the cheapest rates in a handful of towns, most of which are in rural Upper Peninsula areas.
- Shoreham, on Lake Michigan near St. Joseph, has the cheapest car insurance quotes in Michigan. Drivers living in Shoreham pay an average of $190 per month for full coverage.
- Hamtramck, a city in the Detroit metro, has the highest rates in the state, at $635 per month.
Cheapest full coverage auto insurance in MI by city
City | Avg. rate | Cheapest company | Cheapest rate |
|---|---|---|---|
| Detroit | $607 | Progressive | $304 |
| Grand Rapids | $244 | Progressive | $153 |
| Warren | $365 | Progressive | $205 |
| Sterling Heights | $327 | Progressive | $203 |
| Ann Arbor | $212 | Progressive | $137 |
| Lansing | $246 | Progressive | $151 |
| Dearborn | $443 | AAA | $218 |
| Livonia | $256 | Progressive | $154 |
| Troy | $276 | Progressive | $153 |
| Westland | $304 | Progressive | $199 |
| Farmington Hills | $296 | Progressive | $194 |
| Flint | $371 | Progressive | $174 |
| Wyoming | $235 | Progressive | $161 |
| Rochester Hills | $255 | Progressive | $150 |
| Southfield | $413 | Progressive | $227 |
| Kalamazoo | $231 | Progressive | $147 |
| Novi | $254 | Progressive | $155 |
| Pontiac | $362 | Progressive | $194 |
| Taylor | $325 | Progressive | $205 |
| Dearborn Heights | $355 | Progressive | $225 |
| St. Clair Shores | $279 | Progressive | $161 |
| Royal Oak | $271 | Progressive | $133 |
| Kentwood | $244 | Progressive | $167 |
| Battle Creek | $244 | Progressive | $158 |
| Portage | $204 | Progressive | $128 |
| East Lansing | $223 | Progressive | $144 |
| Roseville | $338 | Progressive | $185 |
| Saginaw | $274 | Progressive | $149 |
| Midland | $207 | Progressive | $134 |
| Lincoln Park | $329 | Progressive | $182 |
| Muskegon | $245 | Progressive | $150 |
| Holland | $213 | Progressive | $147 |
| Eastpointe | $388 | AAA | $227 |
| Jackson | $232 | Progressive | $144 |
| Burton | $284 | Progressive | $148 |
| Oak Park | $406 | Progressive | $212 |
| Southgate | $284 | Progressive | $166 |
| Port Huron | $228 | Progressive | $152 |
| Madison Heights | $299 | Progressive | $154 |
| Allen Park | $323 | Progressive | $154 |
| Hamtramck | $635 | Progressive | $309 |
| Auburn Hills | $264 | Progressive | $146 |
| Walker | $224 | Progressive | $145 |
| Inkster | $386 | Progressive | $205 |
| Norton Shores | $236 | Progressive | $125 |
| Romulus | $340 | Progressive | $202 |
| Wyandotte | $269 | Progressive | $154 |
| Birmingham | $258 | Progressive | $156 |
| Marquette | $209 | Progressive | $123 |
| Mount Pleasant | $232 | Progressive | $144 |
| Adrian | $221 | Progressive | $149 |
| Monroe | $239 | Progressive | $161 |
Find Cheap Car Insurance Quotes in Michigan
Best car insurance in Michigan: Auto-Owners
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Full coverage rate$226/moThis analysis used auto insurance quotes for a policy with collision and comprehensive coverage.
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Claims processGoodClaims rating is based on J.D. Power's claims satisfaction survey.
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AM Best ratingA+An A+ financial strength rating means that a company has a superior ability to pay customer claims, even in difficult financial situations. This is the second-highest rating available.
The author, Lindsay Bishop, chose the best car insurance companies in Michigan based on:
- J.D. Power's 2025 U.S. Auto Insurance Study
- J.D. Power's 2025 U.S. Auto Claims Satisfaction Study
- National Association of Insurance Commissioners complaint data
- Each company's average car insurance rates in Michigan
- Coverage availability and optional add-ons
- The author's 7+ years of insurance industry experience
ValuePenguin's reviews follow strict, independent editorial standards and are never influenced by commissions or partnerships.
Cheapest MI car insurance after a speeding ticket: Progressive
Progressive offers the cheapest rates for drivers with a recent speeding ticket in Michigan. A full coverage policy from Progressive costs $223 per month, which is $82 per month less than the state average.
Cheapest MI car insurance after a speeding ticket
Company | Monthly rate |
|---|---|
| Progressive | $223 |
| Auto-Owners | $266 |
| Farm Bureau | $283 |
| AAA | $283 |
| USAA* | $187 |
*USAA is only available to current and former military members and their families.
A single speeding ticket increases insurance quotes for Michigan drivers by $46 per month for full coverage insurance, on average.
Cheapest Michigan car insurance after an accident: Auto-Owners
Auto-Owners has the best rates for Michigan drivers with an accident on their record. Full coverage from Auto-Owners costs $266 per month, which is $67 per month less than the state average.
And Auto-Owners has great customer service, so you'll have peace of mind knowing you'll be well taken care of if you're in another accident in the future.
Cheapest MI car insurance after an accident
Company | Monthly rate |
|---|---|
| Auto-Owners | $266 |
| Progressive | $271 |
| AAA | $338 |
| Farm Bureau | $346 |
| USAA* | $205 |
*USAA is only available to current and former military members and their families.
In Michigan, an at-fault accident raises rates by an average of 28%, or $73 per month for full coverage.
Don't rush to switch insurance companies right after an accident.
Your rates won't go up until your policy renews. You should get a letter or email beforehand with your new rates. That's a good time to start shopping around for quotes.
Cheapest auto insurance in MI for young drivers: Auto-Owners
Auto-Owners has the cheapest car insurance for most Michigan teens.
- Minimum coverage: Auto-Owners insurance costs an average of $107 per month for a teen buying minimum coverage. That's $93 per month cheaper than the state average.
- Full coverage: Auto-Owners also has the cheapest full coverage rates for teens, at $361 per month for an 18-year-old.
- Military ties: Young drivers can find even cheaper rates at USAA, where a minimum coverage policy costs just $78 per month. But USAA is only available to military members, veterans and their immediate families.
Best Michigan car insurance rates for teens
Company | Liability only | Full coverage |
|---|---|---|
| Auto-Owners | $107 | $361 |
| AAA | $137 | $492 |
| Farm Bureau | $145 | $462 |
| Pioneer State Mutual | $159 | $542 |
| USAA* | $78 | $295 |
*USAA is only available to current and former military members and their families.
In Michigan, 18-year-old drivers pay about twice as much for minimum coverage car insurance as older 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 their family's insurance plan. Also, many companies offer car insurance discounts for taking driver safety classes or having good grades.
Cheapest for young drivers after a ticket or accident: Auto-Owners
Auto-Owners has the most affordable car insurance for Michigan teens with a recent speeding ticket or accident. The company's rates average $133 per month for minimum coverage after either an at-fault accident or a speeding ticket.
Cheap minimum coverage insurance in Michigan for teens with a bad record
Company | Ticket | Accident |
|---|---|---|
| Auto-Owners | $133 | $133 |
| Farm Bureau | $145 | $178 |
| AAA | $151 | $172 |
| Pioneer State Mutual | $176 | $196 |
| USAA* | $115 | $136 |
*USAA is only available to current and former military members and their families.
After a speeding ticket, young drivers in Michigan pay an average of $38 more per month for minimum coverage car insurance. An accident raises rates by an average of $56 per month.
Cheapest MI auto insurance quotes after a DUI: Progressive
Progressive is the cheapest company for drivers with a DUI in Michigan. Full coverage rates from Progressive average $209 per month, which is 70% less than the Michigan average. It's also less than half as much as the second-cheapest option, Auto-Owners.
Progressive also makes it easy to get an SR-22 when you get a quote online, which is another reason it's a great choice after a DUI.
Inexpensive auto insurance in Michigan after a DUI
Company | Monthly rate |
|---|---|
| Progressive | $209 |
| Auto-Owners | $482 |
| AAA | $577 |
| Pioneer State Mutual | $589 |
| USAA* | $262 |
*USAA is only available to current and former military members and their families.
In Michigan, having a DUI on your record can cause your car insurance rates to more than 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.
Is your car insurance company raising rates in Michigan in 2026?
A handful of major insurance companies have raised rates in Michigan in 2026. But some companies have actually lowered their rates across the state.
- ↑ Biggest increase: American Family at +2.9%
- ↓ Biggest decrease: State Farm at -4.9%
Company | 2026 rate change | 5 year rate change |
|---|---|---|
| State Farm | ↓ 4.9% | ↑ 23.3% |
| Progressive | ↓ 2.8% | ↑ 42.8% |
| Auto-Owners | ↓ 0.9% | ↑ 27.6% |
| The Hanover | ↓ 0.9% | ↑ 16.9% |
| Allstate | ↓ 0.8% | ↑ 18.8% |
| Travelers | 0.0% | ↓ 0.7% |
| USAA | 0.0% | ↑ 28.9% |
| Geico | ↑ 0.1% | ↑ 7.3% |
| Farmers | ↑ 0.4% | ↑ 26.2% |
| AAA | ↑ 1.4% | ↑ 37.5% |
| Liberty Mutual | ↑ 2.4% | ↑ 61.8% |
| Farm Bureau | ↑ 2.6% | ↑ 31.3% |
| American Family | ↑ 2.9% | ↑ 42.9% |
A downward arrow (↓) indicates a rate decrease, while an upward arrow (↑) indicates a rate increase.
What to do if your rates went up in Michigan
If your insurance company is raising rates in Michigan, there are a few things you can do to lower your insurance bill.
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Shop around for quotes from the cheapest companies in Michigan, including Progressive, Auto-Owners, AAA and Farm Bureau.
There's a difference of $180 per month between the most and least expensive companies for full coverage insurance in MI. That could add up to a savings of more than $2,000 per year.
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Look for a company that offers lots of discounts you qualify for. Most companies offer discounts for bundling your home insurance or insuring multiple vehicles, which can save you a lot of money.
But some companies also offer more uncommon discounts. For instance, Progressive offers a discount of around 10% when you buy your policy online. And you could save money with AAA if you already have a AAA membership for roadside assistance.
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Sign up for a safe driving program. Safe driving programs track your driving habits using a mobile app or device that you plug into your car. If you avoid risky driving habits, like speeding and late-night driving, you could earn a big discount.
But pay attention to your insurance company's rules. Some companies, such as Progressive, could raise your rates if they believe you're not a safe driver.
Michigan car insurance requirements
Michigan has the highest required car insurance limits in the country.
Michigan drivers must have a large amount of personal injury protection (PIP) along with the standard liability coverages that most states require.
In Michigan, you must have car insurance liability 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), unless you meet certain criteria to opt out
- $1 million per accident in property protection insurance
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 is a no-fault state. That means your insurance pays for your medical bills without considering who caused the car accident.
In Michigan, personal injury protection consists of four parts: medical costs, economic benefits, death benefits and property protection insurance.
Medical costs
The following are eligible for a PIP claim:
- Medical services and medication
- Surgical services and hospital expenses
- Rehab costs
- Diagnostic services
- Ambulatory services
Economic benefits
If you're disabled in a car accident, PIP will pay for your lost wages. PIP generally pays up to 85% of your lost income for up to three years, subject to state benefit limits that change each year.
You also receive up to $20 per day to pay for tasks you would normally handle but cannot for up to three years after the accident. For example, you can hire someone to do laundry, clean the house and shovel snow.
Death benefits
If a policyholder dies in a car accident, then PIP would pay for the funeral and burial expenses up to $5,000. The policyholder's dependents are also entitled to work-loss benefits with the same limits: 85% of the policyholder's normal wages, up to the state limit that year.
Property protection insurance (PPI)
Unlike any other state, drivers are also required to have property protection insurance in Michigan. PPI will reimburse others for damage your car causes to a building, fence, wall or stationary car. The mandatory limit is $1 million for the entire policy.
The Michigan auto insurance reforms allow drivers to choose from six PIP coverage limits, but some have stipulations:
- Unlimited coverage per person per accident: This is the same coverage that was required in Michigan before the reforms and is available to all drivers. With unlimited coverage, drivers and their passengers receive reimbursement for reasonable and necessary medical expenses related to the accident, with no time limit.
- Up to $500,000 in coverage per person per accident: This option is available to all drivers.
- Up to $250,000 in coverage per person per accident: This option is available to all drivers. There's an option to exclude some or all of the drivers on the policy who have health insurance that covers auto injuries, with a deductible lower than $6,000.
- Up to $50,000 in coverage per person per accident: This option is only available to drivers who are enrolled in Medicaid and meet additional eligibility requirements.
- Opt out of PIP coverage: This option is only available to drivers who have Medicare Parts A and B and meet additional eligibility requirements.
When determining which coverage is best for you, check to see if your health insurance plan covers auto accident injuries. If your medical expenses are primarily covered by your health insurance, you only need to use PIP for costs your health insurance policy doesn't cover. If that's the case, you may be able to choose a lower PIP limit.
Driving without insurance in Michigan is a misdemeanor, and it can come with major consequences. If convicted, you may have to pay a fine up to $500, face up to one year in jail and surrender your driver's license for 30 days or until you have coverage (whichever is later). You'll also have to pay a service fee of at least $125 to have your license reinstated.
If your license is suspended, you may need to have your insurer submit an SR-22 form to the Secretary of State, proving you have the required minimum insurance coverage.
If you have insurance but can’t provide proof during a traffic stop, you can submit proof to the court before your court date. You won't receive a fine or points on your license, but you may have to pay a $25 service fee.
What's the best car insurance coverage for Michigan drivers?
Full coverage car insurance is the best choice for most Michigan drivers.
Full coverage includes 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 events like weather, theft or vandalism.
If you have a loan or lease on your car, your lender typically requires you to have comprehensive and collision coverage. It's also a good idea if your car is worth more than $5,000 or is less than 8 years old.
Minimum coverage insurance is the most affordable insurance option in Michigan. It costs $170 per month less than full coverage.
However, minimum car insurance coverage doesn't include comprehensive and collision. This means it won't pay for damage you cause to your own car.
For cheaper or older cars, you might save more by getting minimum coverage and paying for repairs yourself.
Common insurance questions in Michigan
What happens if an uninsured driver hits you in Michigan?
If an uninsured driver hits you in Michigan, your insurance company will help cover your medical bills. Under Michigan's
Why is car insurance so expensive in Michigan?
Car insurance in Michigan is expensive because the state requires high coverage limits. Recent laws lowered the minimum requirement for personal injury protection (PIP). However, Michigan is still the most expensive state for minimum coverage car insurance. Its rates are nearly double the national average.
If I slide on ice and crash, how does insurance work in Michigan?
Michigan’s no-fault system means your insurance will pay for your injuries, regardless of who or what caused an accident. Damage to your car is typically covered by collision insurance, even if ice caused the crash. Not all policies come with collision coverage, but it's typically required if you have a car loan or lease.
Methodology
ValuePenguin collected thousands of rates from ZIP codes across Michigan for the largest insurance companies in the state. Quotes are for a 30-year-old man driving a 2018 Honda Civic EX with a good credit score.
Quotes are for a full coverage policy with the following coverage limits:
- Bodily injury liability: $50,000 per person and $100,000 per accident
- Property damage liability: $50,000 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.
To calculate rate changes by company, ValuePenguin used publicly available rate filing data from the Michigan Department of Insurance and Financial Services. Rate filing data was sourced using RateWatch from S&P Global, which uses information from the National Association of Insurance Commissioners (NAIC).
The table includes rate filings submitted by major insurance companies and their subsidiaries with effective dates between 2022 and 2026. Because insurance companies often break customers into different rating groups, a filing may apply only to certain drivers, vehicles, coverage levels, regions or policy types. Not every increase or decrease applies to every policyholder insured by that company in the state.
Data limitations
Insurance companies may submit multiple filings throughout the year. Some filings may be revised, withdrawn or superseded after publication.
Rate filing information was current as of July 28, 2026.
About the Author
Senior Writer
Lindsay Bishop is a Senior Writer at ValuePenguin, where she educates readers about home, auto, renters, flood and motorcycle insurance.
Lindsay began her career in the insurance and financial industry in 2010. She was a licensed auto, home, life and health insurance agent and held Series 6 and 63 financial licenses.
After a hiatus from the financial sector, Lindsay returned to the industry as a content writer for ValuePenguin in 2021. She enjoys having the opportunity to help readers make smart decisions about their insurance so they can be prepared for anything life throws their way.
When Lindsay isn't writing about insurance, you can find her spending time with family, enjoying the outdoors on Sunday long runs or riding her Peloton.
How insurance helped Lindsay
As a homeowner for 15 years located in South Carolina, Lindsay has plenty of experience navigating the coastal insurance market and managing the claims process. That includes successfully negotiating a full roof replacement claim.
Expertise
- Home insurance
- Car insurance
- Flood insurance
- Renters insurance
- Motorcycle insurance
Referenced by
- CNBC
- Yahoo Finance
- Miami Herald
Education
- BS/BA Economics, University of Nevada Las Vegas
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.
