Cheapest Auto Insurance in Rochester, Michigan (2024)

Auto-Owners has the cheapest car insurance in Rochester, with an average liability rate of $64 per month.

Janet Berry-Johnson
Janet Berry-Johnson
  • 8+ years writing about insurance, taxes, and personal finance

  • Certified public accountant

Janet applies her experience in personal finance, taxes, and accounting to make complex financial topics accessible. Her byline has appeared on numerous web media.

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Danny Smith
Edited byDanny Smith
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Danny Smith
  • 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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Updated April 28, 2024

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Cheapest recent rates near Rochester, Michigan

Drivers using Insurify have found quotes as cheap as $49/mo for liability only and $90/mo for full coverage in Rochester and other Michigan cities.

*Quotes generated for Insurify users in and around Rochester, Michigan within the last 10 days. Last updated on April 25, 2024

Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from April 25, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

*Quotes generated for Insurify users in and around Rochester, Michigan within the last 10 days. Last updated on April 25, 2024

Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from April 25, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

Rochester drivers pay an average of $188 per month for liability insurance, which is similar to the Michigan state average rate of $184 and higher than the national average of $104. Though Rochester has lower liability rates than Detroit, the city may have higher averages than some other Michigan cities due to its proximity to Detroit, which has high crime rates and expensive car insurance.[1]

But you can still find affordable coverage in Rochester if you compare car insurance quotes online from multiple insurers before buying a policy. Here’s what you need to know to find cheap auto coverage in Rochester.

Quick Facts
  • Auto-Owners, USAA, and Chubb offer some of the cheapest liability insurance options in Rochester.

  • The average monthly cost of full-coverage insurance is $328 in Rochester, $345 in Michigan, and $213 in the U.S.

  • Michigan has a no-fault insurance system, which contributes to its higher-than-average car insurance rates.

3 of the cheapest car insurance companies in Rochester

The cheapest car insurance company won’t always be your best option. Auto insurance companies consider many factors when setting rates, such as your age, ZIP code, driving record, and vehicle type.

Your rate will differ from every other driver, so it’s important to compare quotes from multiple car insurance companies to find the best fit. The table below outlines the top companies’ pros and cons and average monthly rates.

Insurance CompanyIQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
Full CoverageLiability OnlyBest For
Chubb2.9$122$72Classic cars
Auto-Owners4.0$111$66Cheap rates
USAA4.5$112$67Military members
  • Our editorial team spent 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. Criteria are weighted 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. We update ratings once a year or as more recent information becomes available.

    • Third-party financial ratings: We use data from AM Best, S&P, Moody's, and more to compare insurance companies’ credit and ability to pay out future claims.
    • Customer satisfaction: To calculate this score, Insurify analyzed more than 20,000 customer reviews across 155 car insurance companies. We also considered third-party ratings from J.D. Power, the National Association of Insurance Commissioners, and Trustpilot.
    • Affordability: Our data scientists analyzed more than 90 million real-time auto insurance rates from our partners across the United States, as well as available discounts, to calculate an affordability score.
    • Customer support and transparency: This measures coverage options, ease of claims filing, and the insurer's transparency surrounding discounts, coverages, and claims process.
    • Availability and reach: Insurify identified the number of states in which insurers offer coverage and company size by market share to score availability and reach.

Best insurer for classic cars: Chubb

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
2.9
A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$69/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$116/mo

Based in New Jersey, Chubb’s personal insurance products include auto, classic car, aircraft, homeowners, renters, and condo insurance, as well as coverage for natural disasters, including earthquakes and floods. Auto insurance is only available in nine states. Chubb caters to high-net-worth drivers, people looking for high-limit coverage, and people looking for a range of insurance products.

Chubb has an A++ (Superior) rating from AM Best for financial stability and credit strength and no complaints on the National Association of Insurance Commissioners (NAIC) Consumer Complaint Index.

Pros
  • Outstanding reputation for customer service

  • Numerous types of insurance products available

Cons
  • Not available in every state

  • Tailored to serve luxury vehicles

Best insurer for cheap rates: Auto-Owners

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.0
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
837
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$64/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$107/mo

Headquartered in Lansing, Michigan, Auto-Owners is one of the nation’s largest insurers, serving nearly 3 million policyholders in 26 states. The company launched in 1916 and today sells car, home, life, and commercial insurance policies. AM Best gives Auto-Owners a financial strength and credit rating of A++ (Superior), and the company has significantly fewer customer complaints than the industry average, according to the NAIC.

J.D. Power gave the company high marks for claims satisfaction. Auto-Owners offers several discounts, including those for having multiple policies with the insurer and paying in full.

Pros
  • High customer satisfaction scores

  • Multiple discounts

Cons
  • Available in only 26 states

  • Can only get quotes through an agent

Read our Auto-Owners review
Jack - April 9, 2024
Verified

Poor Handling but Partial Payment Made

I had a major claim due to a fire, which was not my fault. They handled it poorly and the complex ended up tearing down my building. They did make a payment, but there was a $10,000 depreciation on my goods.

Erin - April 7, 2024
Verified

Unhappy with Renewal Costs

The premium is ridiculously expensive for the few miles I drive.

Brandy - April 6, 2024
Verified

Fair Prices from a Trustworthy Company

I've had zero issues!

Best insurer for military members: USAA

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.5
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
880
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$65/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$108/mo

In business for more than 100 years, USAA exclusively serves members of the military and their immediate families. The company offers multiple types of insurance products as well as banking, investing, and retirement services. Auto insurance customers have access to a number of discounts, including discounts for bundling, insuring multiple vehicles, living on a military base, and more.

AM Best gave USAA an A++ (Superior) rating for financial strength, and the company had the highest or second-highest rating of all insurers in every region in J.D. Power’s U.S. Customer Service Index. But customer reviews are mixed for service and claims processing.

Pros
  • High customer satisfaction scores

  • Savings of up to 30% possible via SafePilot

Cons
  • Only available to active-duty military veterans, military spouses, or children of service members or veterans

  • No 24/7 customer phone support

Read our USAA review
Bill - April 22, 2024
Verified

Reluctant Switcher

Excellent, very positive! I only switched to consolidate our farm property insurance together with auto policies.

Marvin - April 21, 2024
Verified

Excellent

So far, so good.

Robert - April 19, 2024
Verified

USAA is the finest. Period.

I've been a member for over 50 years, and have always been pleased with the service. It's a first-class organization.
Top 10 Cheapest Car Insurance Companies for April 2024

Top 10 Cheapest Car Insurance Companies for April 2024

How to get the cheapest car insurance in Rochester, MI

Insurance companies consider several factors when determining car insurance rates, including your age, driving history, vehicle type, and even the ZIP code where you park your car at night.

Here are a few things to help you find car insurance to fit your budget in Rochester:

  • Bundle your auto and home insurance policies. If you have multiple types of insurance, including home insurance, renters insurance, life insurance, business insurance, or multiple vehicles, you may qualify for discounts by bundling your policies or insuring multiple vehicles on one policy.

  • Maintain a clean driving record. Your driving history has a big effect on your insurance rates. Car owners with accidents or moving violations on their records typically pay higher rates than drivers with a clean record, so practicing safe driving habits can help you keep a clean record and qualify for more affordable rates.

  • Take advantage of usage-based insurance. Some car insurance companies now offer usage-based insurance, which determines your premiums based on how often you drive and your driving behaviors. You may have to install a telematics device on your car or install a smartphone app to track your mileage and driving activity. Ask your insurance agent or auto insurance company about available telematics device discounts.

  • Shop around. Different companies offer different rates — even for seemingly identical drivers and coverages. Comparing quotes from multiple insurance companies can help ensure you find the cheapest car insurance.

Find Cheap Car Insurance in Rochester, Michigan

Monthly rates start as low as $64 for liability coverage

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

Liability-only car insurance is a type of car insurance policy that covers the cost of damages to other vehicles, pedestrians, or property caused by the insured driver. But it doesn’t cover damage to your own vehicle. Liability-only car insurance is cheaper than full coverage, so you may be interested if you have an older model car that isn’t worth a lot. But if you financed the purchase of your car and are still making payments, your lender will require you to carry full coverage.

Rochester drivers pay an average monthly rate of $188 for liability-only car insurance. Here are some of the best rates for liability coverage in Rochester.

The below rates are estimated rates current as of: Wednesday, April 17 at 12:00 PM PDT
Insurance CompanyAverage Monthly Quote
Auto-Owners64
USAA65
Chubb69
Safeco80
GEICO97
Progressive122
Nationwide129
State Farm132
Direct Auto144
Travelers153
Liberty Mutual155
Bristol West177
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

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

Full-coverage auto insurance includes liability insurance along with comprehensive and collision coverage. Comprehensive coverage reimburses you for loss due to theft or damage caused by something other than a collision, such as a fire, falling object, or vandalism. Collision coverage pays for damage to your vehicle resulting from a collision with another vehicle or object.

You’ll benefit from full-coverage insurance if you can’t afford to repair or replace it without help from your insurance company. On average, full coverage costs Rochester drivers $328 per month. Below are some of the cheapest options for full-coverage auto insurance in Rochester.

The below rates are estimated rates current as of: Wednesday, April 17 at 12:00 PM PDT
Insurance CompanyAverage Monthly Quote
Auto-Owners107
USAA108
Chubb116
Safeco142
GEICO163
Progressive180
Nationwide217
State Farm220
Travelers256
Liberty Mutual274
Direct Auto296
Bristol West304
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

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Car insurance requirements in Michigan

Michigan is a no-fault state for car insurance. This means drivers receive compensation from their insurance company after an accident, regardless of who caused the accident.

All drivers must carry a minimum amount of bodily injury liability coverage. Most drivers must also purchase a minimum amount of personal injury protection (PIP) medical coverage, which pays for medical expenses, recovery, and rehabilitation after an auto accident. Only Medicaid recipients meeting specific criteria can opt out of PIP medical coverage.[2]

The table below shows the minimum-coverage liability insurance in Michigan:

CoverageMinimum Requirements
Bodily injury liability$250,000 per person and $500,000 per accident
Property damage liability$10,000 for damage in another state
Personal injury protection

One of the following:

  • Unlimited coverage
  • $500,000 per person per accident
  • $250,000 per person per accident
  • $250,000 per person per accident with exclusions (only available when drivers have qualified health coverage)
  • $50,000 per person per accident (only available when drivers are enrolled in Medicaid)
  • No coverage (only available to drivers enrolled in Medicare Parts A and B)
Property protection$1 million

To protect yourself more thoroughly, you should consider carrying more than the minimum-coverage limits. Some other coverage options to consider include:

  • illustration card https://a.storyblok.com/f/162273/x/665da91bf7/comprehensive-coverage.svg

    Comprehensive coverage

    Comprehensive insurance reimburses you for theft or damage to your car due to events other than a collision, such as vandalism, fire, and hail.

  • illustration card https://a.storyblok.com/f/162273/x/169fdfde11/liability-coverage.svg

    Collision coverage

    Collision insurance reimburses you for damage to your vehicle due to a collision with another vehicle or an object.

  • illustration card https://a.storyblok.com/f/162273/x/73ee7a876e/repair.svg

    Glass coverage

    This coverage pays to repair or replace your car windshield, windows, and sunroof with no deductible.

  • illustration card https://a.storyblok.com/f/162273/x/abffe6238f/financial-protection.svg

    Gap coverage

    Gap insurance pays the difference between the fair market value of your car and what you owe on your car loan if it’s totaled in an accident or stolen.

  • illustration card https://a.storyblok.com/f/162273/x/5285c4cd74/uninsured-or-underinsured-motorist-coverage.svg

    Uninsured/underinsured motorist coverage

    Uninsured/underinsured motorist coverage can help pay your costs if you’re in an accident with a driver who has no insurance or too little insurance.

Cheapest car insurance for drivers with an incident

Incidents can include speeding tickets, driving under the influence (DUI), at-fault accidents, and other moving violations. Having such incidents on your driving record can increase your car insurance rates compared to what drivers with a clean record pay. This is because insurance companies see you as a higher risk and charge higher premiums to offset that risk.

Find Car Insurance in Rochester, MI

Rates start at $76 per month for drivers with incidents on their records

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Cheapest car insurance for drivers with a speeding ticket: USAA

Having a speeding ticket on your record often means facing a rate increase when you renew your policy, although the extent of the increase depends on the severity of the incident and whether it was your first offense.

Rochester drivers with a speeding ticket pay an average of $228 per month for liability-only coverage. Here are some of the cheapest car insurance companies for drivers with speeding tickets in the city.

The below rates are estimated rates current as of: Wednesday, April 17 at 12:00 PM PDT
Insurance CompanyClean Driving RecordWith Speeding Ticket
Auto-Owners6478
USAA6577
Chubb6983
Safeco80103
GEICO97114
Progressive122150
Nationwide129154
State Farm132153
Direct Auto144175
Travelers153184
Liberty Mutual155198
Bristol West177213
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

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

If you have an at-fault accident on your record, insurance companies tend to view you as a risky driver and will increase your rates to account for that extra risk. This can make finding affordable car insurance more challenging.

Rochester drivers with an at-fault accident on their record pay an average monthly premium of $235 for liability-only insurance. Below are some of the lowest monthly liability rates for drivers with an at-fault accident in the city.

The below rates are estimated rates current as of: Wednesday, April 17 at 12:00 PM PDT
Insurance CompanyClean Driving RecordWith Accident
Auto-Owners6481
USAA6581
Chubb6986
Safeco80109
GEICO97121
Progressive122158
Nationwide129162
State Farm132162
Direct Auto144185
Travelers153193
Liberty Mutual155208
Bristol West177220
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

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

Driving under the influence is a serious offense that involves operating a vehicle while impaired by drugs or alcohol. Finding cheap car insurance will be difficult if you’ve been convicted of a DUI, and your choices may be limited.

The average cost of liability car insurance for Rochester drivers with a past DUI is $273 per month. Here are some of the lowest liability car insurance rates for drivers with a DUI in the city.

The below rates are estimated rates current as of: Wednesday, April 17 at 12:00 PM PDT
Insurance CompanyClean Driving RecordWith DUI
Auto-Owners6496
USAA6598
Chubb69104
Safeco80120
GEICO97146
Progressive122183
Nationwide129194
State Farm132198
Direct Auto144216
Travelers153230
Liberty Mutual155233
Bristol West177266
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest car insurance for seniors: Auto-Owners

Experienced drivers tend to be safer behind the wheel. But drivers age 70 and older have higher rates of fatal crashes per mile driven than middle-aged drivers, according to the Insurance Institute for Highway Safety (IIHS).[3] As a result, insurance companies tend to decrease rates for drivers around age 35 but increase them again around age 70.

Senior drivers in Rochester pay $167 per month for liability insurance and $291 for full-coverage insurance. Below are the average monthly car insurance rates for seniors in the city.

The below rates are estimated rates current as of: Wednesday, April 17 at 12:00 PM PDT
Insurance CompanyLiability OnlyFull Coverage
Auto-Owners5388
Chubb5389
USAA5490
Safeco71125
GEICO80135
Progressive92136
Nationwide101171
State Farm106177
Direct Auto116239
Travelers126210
Liberty Mutual132234
Bristol West148254
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest car insurance for teens: Auto-Owners

Car insurance companies charge higher rates for teen drivers because they don’t have many years of experience behind the wheel and are prone to taking risks that more mature drivers might avoid.[4]

On average, teen drivers in Rochester pay $252 per month for liability-only coverage and $439 per month for full coverage.

The best way for teens and their families to keep rates affordable is to join their parents’ insurance policy. They should also take advantage of discounts most insurance companies offer, such as those for good students and completing an approved driver training course.

Below are the average insurance rates for teens in the city.

The below rates are estimated rates current as of: Wednesday, April 17 at 12:00 PM PDT
Insurance CompanyLiability OnlyFull Coverage
Auto-Owners93155
USAA93155
Chubb113189
Safeco126223
GEICO132222
Nationwide193325
Progressive193284
State Farm198329
Liberty Mutual228403
Direct Auto231476
Travelers243406
Bristol West256440
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

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Is car insurance more expensive in Rochester?

Yes. The cost of car insurance in Rochester, Michigan, is higher than the national average but comparable to the state average.

Average monthly premiums in Rochester are $328 for full coverage and $188 for liability-only coverage, according to Insurify data. Nationwide, the average monthly premiums are $213 for full coverage and $104 for liability-only coverage.

One of the reasons for this discrepancy has historically been Michigan’s unique form of no-fault insurance. Until July 1, 2020, insurance companies in the state had to offer unlimited PIP coverage, meaning there was no cap on potential medical damages if one of their customers had an accident.[5] In 2020, a tiered system replaced the old system, allowing Michigan drivers to purchase lower PIP limits. The legislation also requires insurance companies to reduce statewide average premiums for eight years.

Despite this positive change, rates in Rochester will likely remain higher than in some areas, partially due to Michigan’s harsh winters. Inclement weather increases the likelihood of accidents, which increases insurance claims. For example, snow and ice can make the road slippery in Rochester and nearby Rochester Hills, leading to an increased frequency of accidents. Harsh storms can lead to damage from falling tree branches, leading to more severe losses.

More cities in Michigan 

The cost of car insurance in Rochester is higher than in many other Michigan cities, partially because of its proximity to Detroit, which has high crime and vehicle theft rates.[1] The table below shows how rates in other Michigan cities compare to Rochester’s average monthly rates if you’re considering a move to save money.

CityLiability OnlyFull Coverage
Ann Arbor$150$282
Flint$218$402
Dearborn$275$464
Detroit$339$416
Grand Rapids$151$297
Kalamazoo$171$342
Lansing$148$279
Warren$227$408
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

Rochester car insurance FAQs

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

  • How much is car insurance in Rochester, Michigan?

    Drivers in Rochester pay an average of $328 per month for full-coverage car insurance and $188 per month for liability coverage. Your exact rate will depend on your insurer, age, driving record, credit history, vehicle type, coverage level, and more.

  • What company has the cheapest car insurance rates in Rochester?

    Drivers looking for the lowest insurance rates should consider Auto-Owners. The insurer offers liability coverage for as low as $64 per month. USAA and Chubb are also affordable options for Rochester drivers, with respective liability-only rates of $65 and $69 per month.

  • What are the best car insurance companies in Rochester?

    Auto-Owners is one of the best car insurance company in Rochester, with an Insurify Quality (IQ) Score of 4.0 out of 5 and an AM Best financial strength rating of A++ (Superior). The average cost of car insurance from Auto-Owners in Michigan is $66 per month for liability coverage and $111 for full-coverage insurance. Of the insurers Insurify has rate data for, other top Rochester choices include Chubb and USAA.

  • How much is car insurance per month in Michigan?

    Car insurance in Michigan costs $184 per month for liability coverage and $345 for full-coverage insurance.

  • Why are Michigan car insurance rates so high?

    Michigan car insurance rates are so high primarily because it’s a no-fault state, meaning drivers must carry personal injury protection coverage, which pays for each driver’s damages regardless of fault. Insurers charge more in premiums to make up for this extra coverage. Most states don’t require this coverage, so Michigan drivers bear an extra burden.

  • Can Michigan insurers consider your credit history when determining premiums?

    No. Unlike many states, Michigan prohibits insurance companies from considering your credit history when determining premiums.

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:

  • Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
  • Property damage limits between $10,000 and $50,000
  • No additional coverage
Full-coverage premium averages correspond to the same bodily injury and property damage limits in addition to:
  • Comprehensive coverage with a $1,000 deductible
  • Collision coverage with a $1,000 deductible

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

Sources

  1. City-Data.com. "Crime in Detroit, Michigan (MI)."
  2. Michigan's New Auto Insurance Law. "Law Changes."
  3. Insurance Institute for Highway Safety. "Older Drivers."
  4. Insurance Information Institute. "Auto insurance for teen drivers."
  5. Poverty Solutions - University of Michigan. "Auto Insurance and Economic Mobility in Michigan."
Janet Berry-Johnson
Janet Berry-Johnson

Janet Berry-Johnson, CPA is a freelance writer with a background in accounting and income tax planning and preparation. She's passionate about making complicated financial topics accessible to readers. She lives in Omaha, Nebraska with her husband and son and their rescue dog, Dexter. Visit her website at www.jberryjohnson.com.

Danny Smith
Edited byDanny Smith
Photo of an Insurify author
Danny Smith
  • 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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