Cheapest Car Insurance in Michigan

Here are the cheapest carriers in Michigan for the following user profile: a single, 30 year old male with a clean driving record who drives a 2012 Honda Accord and pays a $1,000 deductible for the state’s minimum liability insurance. We averaged rates for the twenty most populous cities in Michigan.

Companies Quotes
Liberty Mutual

Liberty Mutual

$171 /mo


$291 /mo
American Family

American Family

$1139 /mo

Best Car Insurance in Michigan

The Insurify Composite Score is calculated by analyzing multiple factors that indicate the quality, reliability, and health of an insurance company. Inputs to the score include financial strength ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings, Consumer Reports customer satisfaction surveys, mobile app reviews, and user-generated carrier reviews. The following are the top rated carriers that offer car insurance in Michigan. For the complete list, see Insurify's best car insurance companies.

Companies Insurify
Composite Score

American Family

$1139 /mo


$291 /mo

Liberty Mutual

$171 /mo

Car Insurance in Michigan

Auto insurance costs will vary between locations and insurance carriers. Insurify analyzed the latest data for the five most populous cities in Michigan to find you the cheapest quotes in each of these metropolitan areas.

Detroit, Michigan's most populous city, is also well known for being the heart of the American auto industry.

Michigan Driving Facts

Michigan has more complex insurance laws, centered around a no-fault car insurance policy mandate, that are designed to cover injuries and damages caused in an accident regardless of fault. Michigan car insurance companies also offer three types of collision car insurance: limited, standard, and broad form.

State Rankings

Using a proprietary dataset of over 1.5 million car insurance shopper applications, the data scientists at Insurify have run various studies on driver behavior across geographical locations, age ranges, motor vehicle registration, and other variables all related to auto insurance coverage.

We’ve been able to determine the speediest cities in the nation, the most popular cars among age groups, and the occupations with the worst drivers, among other insightful reports. We’ve also launched annual awards campaigns to congratulate the communities across the country who have excelled in environmentally friendly initiatives, educational attainment, and other areas.

Greenest Cities in Michigan

The EPA reports that the United States' transportation sector accounts for 27% of national greenhouse gas emissions. In a country of over 263 million registered vehicles, many communities are taking action to reduce their environmental impact and vehicular carbon footprint. This city has been named the "greenest" in the state by Insurify.

The most pressing environmental issue in the state is the presence of PFAS, a type of water-repellent chemical, in rivers and tributaries that span a five-county area. It has become a major health concern, and the EPA has comitted to investigating the contaminated drinking water. But a surge in environmental activism amidst the Flint water crisis has transformed the state's relationship to environmental justice. The state of Michigan offers many green driver incentives, including federal tax credits, electric vehicle charging incentives, and discounts through some car insurance carriers.

green city award


most patriotic
% of Hybrids/Electrics 1%

Most Patriotic City


Beginning in 2018, Insurify launched the Most Patriotic Cities Awards, which salute the community in each state with the highest percentage of individuals who currently serve in the military or identify as armed service veterans.

Muskegon won Insurify's Most Patriotic Cities Award for the state of Michigan. The city holds an annual Veterans Job Fair that attracts former service people from across the state.

Road Statistics

Insurify used a recent report from TripNet to rank twenty-five states by roads in poor condition, structurally deficient bridges, and fatality rate per 100 million vehicle miles traveled (VMT) on rural roads. Knowledge of infrastructure in Michigan is vital for all car insurance shoppers hitting the road in The Great Lakes State.

Road Rankings

17% Rural Roads in
Poor Condition

#12 Ranked

13% Structurally Deficient
Rural Bridges

#7 Ranked

1% Fatality Rate per 100M VMT
on Rural Roads

#28 Ranked