120+ more*Quotes generated for Insurify users from Michigan within the last 10 days. Last updated on July 28, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users from Michigan within the last 10 days. Last updated on July 28, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
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Licensed property and casualty insurance agent
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Media relations director for Insurance Information Institute
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Impartial, independent expert
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7+ years experience in data analysis
Ph.D. in Computational Biology
Updated
Cheapest car insurance company in Michigan: USAA
Cheapest car insurance rate in Michigan: $69
Average monthly liability-only car insurance cost in MI: $129
Average monthly full-coverage car insurance cost in MI: $225
Drivers with clean records typically find the cheapest car insurance in Michigan with USAA, Auto-Owners, and Chubb.
Here, you can see the 10 cheapest insurers in the state for minimum and full coverage.
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Ph.D. in Computational Biology
Insurance Company | Average Monthly Quote: Liability Only | Average Monthly Quote: Full Coverage |
|---|---|---|
| Auto-Owners | $69 | $118 |
| USAA | $69 | $119 |
| Chubb | $75 | $129 |
| National General | $105 | $233 |
| Progressive | $111 | $171 |
| Safeco | $111 | $194 |
| Liberty Mutual | $127 | $232 |
| Bristol West | $136 | $270 |
| Direct Auto | $138 | $291 |
| State Farm | $142 | $244 |
| Travelers | $164 | $283 |
| GEICO | $168 | $249 |
Michigan drivers have several concerns to be aware of, from heavy congestion in Detroit to high car theft rates, hail, and heavy snowfall around the state. That makes having the right car insurance even more important.
Auto Owners, State Farm, Progressive, and USAA offer the best car insurance in Michigan. All score well in Insurify user reviews and Insurify Quality (IQ) Scores. The IQ Score combines customer satisfaction from J.D. Power, financial strength ratings from AM Best, and complaint data from the National Association of Insurance Commissioners (NAIC).
Ratings also include real reviews from Michigan drivers to give you a fuller view of each company’s performance.
| User Reviews | 4.3 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 8.2 /10 |
| 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. | $118/mo |
Auto-Owners's score | Industry average | |
|---|---|---|
| Coverage options | 4.0 | 3.2 |
| Customer service | 3.6 | 3.6 |
| Discounts | 3.6 | 2.9 |
| Policy transparency | 3.9 | 3.1 |
| Value | 3.5 | 2.9 |
Customers appreciate the friendly service and quick claims process but dislike the constant rate increases and perceived inflexibility in pricing.
Auto Owners offers cheap car insurance in Michigan, along with 14 types of add-ons to help you build the full-coverage policy you need. Some of the coverages are harder to find elsewhere, such as accident forgiveness and rental gap protection.
Some of the cheapest full-coverage rates in Michigan
Many coverage options and discounts available
Common loss deductible available if you bundle auto and home policies
Below-average J.D. Power customer satisfaction rating in the North Central region
Can’t get a quote online; must contact an agent
No usage-based program
| User Reviews | 4.1 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 9.3 /10 |
| 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. | $142/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. | $244/mo |
State Farm's score | Industry average | |
|---|---|---|
| Coverage options | 4.1 | 3.2 |
| Customer service | 4.3 | 3.6 |
| Discounts | 3.9 | 2.9 |
| Policy transparency | 3.9 | 3.1 |
| Value | 3.7 | 2.9 |
Customers appreciate the insurer’s excellent customer service and personal attention but dislike the high prices and frequent rate increases. They also express frustration with the claims process.
State Farm is a popular choice in Michigan for its strong performance with minimum-coverage policies and a dozen discounts to help lower costs. It also stands out for its local agent network, including agents in more than 280 Michigan cities.
Above-average J.D. Power customer satisfaction rating in the North Central region
Local agents throughout Michigan
Advertises 12 discounts to help lower premiums
Higher-than-average rates in Michigan
Fewer digital tools than newer competitors
Doesn’t offer accident forgiveness
| JD Power J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale. | 648 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 8.7 /10 |
| 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. | $111/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. | $171/mo |
Customers appreciate the insurer’s good customer service and initial affordability but dislike the consistent price increases and complex claims process.
Progressive’s full-coverage rates are 23% cheaper than the Michigan average, and its minimum-coverage rates are 13% lower, helping drivers deal with some of the most expensive auto insurance in the U.S. The company says drivers who switch to Progressive save more than $900 on average per year, often by qualifying for discounts.
Low average rates in Michigan
Plenty of discounts
Potentially save $900 annually when switching to Progressive
Auto Owners, USAA, and Chubb offer cheaper rates in Michigan
Below-average J.D. Power customer satisfaction rating in the North Central region
Mixed customer reviews
| User Reviews | 4.9 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 9.1 /10 |
| 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. | $119/mo |
USAA's score | Industry average | |
|---|---|---|
| Coverage options | 4.9 | 3.2 |
| Customer service | 4.9 | 3.6 |
| Discounts | 4.9 | 2.9 |
| Policy transparency | 4.9 | 3.1 |
| Value | 4.9 | 2.9 |
Customers appreciate the insurer’s reliable customer service and claim handling but express concerns about high rates and frequent price increases. Some also find the insurer’s security protocols and communication methods frustrating.
Michigan has an active-duty military installation and is home to 460,500 veterans and various service members, according to state data. USAA is an affordable insurer focused on the military, and it consistently scores well above industry averages for overall customer satisfaction.
Cheap car insurance rates in Michigan
Strong customer service ratings
High ratings for claims handling
Available only to active-duty service members, veterans, and eligible family members
No 24/7 customer service line
Doesn’t offer traditional gap insurance
To help Michigan drivers find affordable coverage that works for them, we compiled thousands of insurance company reviews from verified customers. We’ve also spent hundreds of hours analyzing industry rating organizations like AM Best and J.D. Power to create our proprietary Insurify Quality Score.
On average, Michigan drivers pay $1,546 per year for liability-only policies and $2,702 annually for full coverage, Insurify data shows. That’s more than the national annual averages of $1,176 for minimum coverage and $2,237 for full coverage.
Michigan’s rates are elevated for several reasons, including:
High minimum coverage requirements: Michigan’s minimum car insurance requirements are higher than most states. Drivers must carry at least $50,000 per person and $100,000 per accident in bodily injury liability insurance, $10,000 in property damage insurance for out-of-state accidents, property protection insurance, and personal injury protection.[1]
High percentage of uninsured drivers: About 22% of Michigan drivers are uninsured — much more than the national average of 15%, according to the Insurance Information Institute. Because Michigan insurance companies are more likely to pay for accident-related costs, they make up for the risk by increasing rates for insured drivers.
Lawsuits are more common in Michigan: Michigan has a higher lawsuit rate for private passenger auto claims than other states, according to data from the Insurance Research Council.[2] With more lawsuits, insurance companies have to increase their rates to offset increased litigation costs.
High risk of theft: Vehicle thefts in Michigan increased 26% between 2020 and 2024, according to the Michigan State Police.[3] Insurance companies are more likely to pay for theft-related costs, and they pass on the expense by raising the price of comprehensive insurance.
Your individual factors also affect your car insurance premiums. Insurers consider your driving record, age, gender, and more when setting rates.
Liability rates average $129 per month
Many car insurance rating factors — traffic congestion, population density, and vehicle theft rates — hinge on location. Where you live in Michigan can affect how easily you can find cheap car insurance and whether you’ll end up paying higher rates than people in other parts of the state.
Here’s a look at average monthly car insurance costs for cities in Michigan.
7+ years experience in data analysis
Ph.D. in Computational Biology
City | Average Monthly Quote: Liability Only | Average Monthly Quote: Full Coverage |
|---|---|---|
| Grand Rapids | $104 | $204 |
| Ann Arbor | $110 | $205 |
| Lansing | $110 | $204 |
| Kalamazoo | $114 | $215 |
| Battle Creek | $115 | $201 |
| Rochester | $137 | $218 |
| Flint | $139 | $244 |
| Westland | $162 | $257 |
| Clinton Township | $165 | $286 |
| Warren | $175 | $302 |
| Southfield | $181 | $319 |
| Dearborn | $264 | $403 |
| Detroit | $265 | $418 |
Check out the chart below to see how car insurance costs compare in Michigan’s five most expensive cities.
7+ years experience in data analysis
Ph.D. in Computational Biology
City | Average Monthly Quote: Liability Only | Average Monthly Quote: Full Coverage |
|---|---|---|
| Rochester | $137 | $218 |
| Flint | $139 | $244 |
| Warren | $175 | $302 |
| Dearborn | $264 | $403 |
| Detroit | $265 | $418 |
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Licensed property and casualty insurance agent
14+ years insurance experience
Britney has 14+ years of experience in auto and home insurance. She’s committed to making sure customers feel informed and supported through every step of the insurance-buying process.
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10+ years of insurance experience
Mallory has 10+ years of experience in property and casualty insurance. She serves as the director of sales and client services at Insurify, where customer service is central to her leadership style.
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13+ years of insurance experience
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Although Michigan law prohibits insurers from using ZIP codes as a rating factor, car insurance companies may still consider where you live by grouping drivers into larger geographic territories.[4] Each insurer establishes its own territorial boundaries, subject to approval by the Michigan Department of Insurance and Financial Services.
Insurers consider many other factors too. Your age, driving record, vehicle, coverage choices, and other personal details all influence your premium. Since every insurer weighs these factors differently, comparing quotes is one of the best ways to find affordable coverage.
Here’s how to shop for Michigan car insurance:
Figure out the coverage you need. In Michigan, 24.1% of drivers finance their cars, according to Insurify data. If you lease or finance your car, your lender will typically require full coverage, including liability, collision, and comprehensive insurance. You’ll also need to choose your coverage limits and deductible.
Have your driver information ready. Most insurers will ask for the driver’s license number, date of birth, and driving history of everyone you plan to include on the policy.
Gather your vehicle information. Providing your vehicle identification number (VIN) helps insurers generate the most accurate quote and ensures eligible safety features are factored into your rate.
Compare quotes from multiple insurers. An online comparison platform lets you compare personalized quotes from multiple companies in minutes, making it easier to find the right coverage at a competitive price.
Wait to cancel your old policy. Don’t end your current policy until your new one is active. Even a short lapse in coverage can increase your premiums and make it more difficult to find affordable insurance in the future.
Michigan operates under a no-fault insurance system that requires all drivers to carry specific coverage types. The state’s minimum requirements include personal injury protection (PIP), property protection insurance (PPI), and residual bodily injury liability and property damage liability coverage.
For PIP coverage, the state separates medical expenses from other costs, such as wage loss and funeral and burial expenses. The default medical PIP coverage is unlimited, but you can choose a lower amount or even opt out entirely based on your health coverage.
That said, coverage for other PIP expenses isn’t adjustable.
PPI covers damage to fixed property like buildings and fences within Michigan, while property damage liability protects you in accidents outside the state. Michigan also requires minimum property damage liability coverage for damage you cause in other states.
The table below shows Michigan’s coverage requirements.[5]
Coverage Type | Minimum Coverage Limit |
|---|---|
| Medical personal injury protection | $50,000 (can opt out with proper coverage) |
| Other personal injury protection | Wage loss and household help for up to three years after an accident |
| Property protection insurance (in Michigan) | $1 million |
| Bodily injury liability | $50,000 per person / $100,000 per accident |
| Property damage liability (in other states) | $10,000 |
Agent Tip: Is liability-only insurance enough coverage for drivers in Michigan?
“Michigan is a no-fault state, meaning your own insurance pays for your medical expenses after an accident, regardless of who caused it. You can choose your coverage level, but make sure you understand what’s included so you don’t end up underinsured.”
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Comparing quotes from multiple insurers is the best way to ensure you find the cheapest quotes available to you. But you can also take steps to improve your chances of qualifying for lower rates, including:
Revisit your PIP coverage. Michigan lets drivers choose from multiple personal injury protection (PIP) coverage levels. If you have qualifying health insurance, selecting a lower PIP option could reduce your premium. Just be sure you understand what you’re giving up before making a change.
Practice safe driving habits. Car insurance companies in Michigan can’t use credit history as part of their decision-making process, and they can’t use ZIP code to price policies.[6] But your driving record and claims history still play an important role in determining your premium. Avoiding tickets and at-fault crashes can help you qualify for lower rates over time.
Choose a safe vehicle. The Chevrolet Equinox and Ford Escape are the two most popular vehicles in Michigan, according to Insurify data. They’re good choices for lower car insurance rates due to their safety ratings and relatively low repair costs. Before buying a vehicle, be sure to consider how much it’ll cost to insure.
Take advantage of available discounts. Ask your insurer about discounts for bundling your auto and home or renters insurance, having vehicle safety features, being a good student, or belonging to a qualifying association. Taking these steps can help reduce your premium.
See quotes from top insurers in minutes
If you’re looking for more specific information about car insurance in Michigan, check out our extensive library of information. We cover everything from how to find cheap insurance after an at-fault accident to what coverage will pay for vehicle vandalism.
Temporary Car Insurance in Michigan: What Your Short-Term Options Really Are
What to Know About Personal Injury Protection Coverage in Michigan
The cost of car insurance in Michigan is much higher than the national average, with full-coverage premiums averaging $3,073 per year in 2025, according to an Insurify report. Rates across the U.S. surged from 2022 to 2024, partly due to riskier driving behavior after the COVID-19 pandemic. But they dropped by around 6% nationally in 2025.
Looking ahead, Insurify projects a slight 0.2% price increase in Michigan by the end of 2026, bringing the projected state average to $3,079 per year.
If you’re shopping for Michigan car insurance, check out these answers to frequently asked questions below.
In Michigan, USAA has the cheapest liability insurance, Insurify data shows, with monthly premiums averaging $69.
It depends on where you live. At $177 per month, Michigan car insurance rates tend to be higher than the national average. Full coverage averages $225 per month, and a liability-only policy averages $129 per month.
In Michigan, the lowest level of car insurance coverage is $50,000 per person and $100,000 per accident for bodily injury coverage, $10,000 for property damage in another state, and $1 million for property protection (PPI). Personal injury protection (PIP) defaults to unlimited coverage, although cheaper insurance options are available based on your health coverage.
Michigan auto insurance is expensive due to the state’s high rate of uninsured drivers and its no-fault insurance system, which means your insurance pays for your medical expenses regardless of fault.
No. While insurers can consider your credit when deciding which payment options to offer, they can’t use your credit history to deny you coverage.
Insurify data scientists analyzed more than 250 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 500+ 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:
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
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Co-authored the book “Future Millionaires’ Guidebook”
13 years writing personal finance content
Featured in
Licensed property and casualty insurance agent
10+ years editing experience
NPN: 21630969
Media relations director for Insurance Information Institute
20+ years in insurance and communications
Impartial, independent expert
7+ years experience in data analysis
Ph.D. in Computational Biology
At Insurify, our goal is to help customers compare insurance products and find the best policy for them. We strive to provide open, honest, and unbiased information about the insurance products and services we review. Our hard-working team of data analysts, insurance experts, insurance agents, editors and writers, has put in thousands of hours of research to create the content found on our site.
We do receive compensation when a sale or referral occurs from many of the insurance providers and marketing partners on our site. That may impact which products we display and where they appear on our site. But it does not influence our meticulously researched editorial content, what we write about, or any reviews or recommendations we may make. We do not guarantee favorable reviews or any coverage at all in exchange for compensation.
