Browse. Compare. Discover. Let Insurify find the best car insurance deals for you in The Great Lakes State.
24,000
Followers
4.8 Rating
2,700 Reviews
12 Million
Quotes
Drivers in the great state of Michigan share a lot of lovable quirks: saying “ope” every time they run into someone, explaining where they live by pointing to their palms...and tearing their hair out over car insurance complications.
According to the Insurance Information Institute, Michigan residents come in fourth in the nation for paying the most expensive auto insurance premiums in 2016. Our own data ranks Michigan as the most expensive state in 2019 for auto insurance at an average of $225 per month. So how do residents of the Great Lake State save? There are still many options, and our favorite is comparison shopping.
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.
| Cheapest Companies | |
|---|---|
 Liberty Mutual | $171/mo |
 Allstate | $291/mo |
 American Family | $1,139/mo |
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.
| Best Companies | ||
|---|---|---|
American Family | $1,139/mo | |
Allstate | $291/mo | |
Liberty Mutual | $171/mo |
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.
| City | Cheapest Carrier | |
|---|---|---|
| Detroit |  Liberty Mutual | $520/mo |
| Grand Rapids | Liberty Mutual | $241/mo |
| Warren |  Allstate | $304/mo |
| Sterling Heights | Liberty Mutual | $399/mo |
| Ann Arbor | Liberty Mutual | $217/mo |
| Lansing | Liberty Mutual | $171/mo |
| Clinton |  American Family | $1,220/mo |
| Flint | American Family | $1,662/mo |
| Dearborn | Liberty Mutual | $317/mo |
| Livonia | Allstate | $291/mo |
| Troy | Liberty Mutual | $368/mo |
| Westland | Liberty Mutual | $322/mo |
| Kalamazoo | Liberty Mutual | $198/mo |
| Canton | Liberty Mutual | $254/mo |
| Waterford | Liberty Mutual | $302/mo |
| Southfield | Liberty Mutual | $310/mo |
| Shelby | American Family | $1,173/mo |
| Clinton Township | Liberty Mutual | $502/mo |
| East Lansing | Liberty Mutual | $203/mo |
| Farmington |  USA Underwriters | $314/mo |
| Holland | Liberty Mutual | $160/mo |
| Novi | Liberty Mutual | $362/mo |
| Port Huron | USA Underwriters | $213/mo |
| Rochester | Liberty Mutual | $308/mo |
| Roseville | USA Underwriters | $298/mo |
| Royal Oak | Liberty Mutual | $319/mo |
| Taylor | USA Underwriters | $289/mo |
| Ypsilanti | Liberty Mutual | $307/mo |
For drivers in Michigan, that are looking for the cheapest quote possible, you can consider a state minimum policy for liability insurance.
To simplify finding the cheapest minimum liability quote, Insurify has analyzed rates from top insurance providers in Michigan. The following are the cheapest insurance rates from carriers that offer minimum liability auto insurance in Michigan.
| Cheapest companies | |
|---|---|
 Safeco | $162/mo |
 State Auto | $162/mo |
Progressive | $174/mo |
USA Underwriters | $208/mo |
 Everest National | $253/mo |
For drivers in Michigan, that are looking for a full coverage policy that includes comprehensive and collision insurance it’s important that you evaluate all of your potential insurance options to ensure you are finding the best rate.
To simplify comparing companies, Insurify has analyzed rates from top insurance providers in Michigan. The following are the best insurance rates from carriers that offer full coverage auto insurance in Michigan.
| Cheapest companies | |
|---|---|
Safeco | $234/mo |
Progressive | $237/mo |
State Auto | $245/mo |
Liberty Mutual | $382/mo |
USA Underwriters | $509/mo |
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.
Here are the cheapest insurance companies in Michigan based on averaged sample rates for four driver profiles that included varied gender, age, driving history, credit, marital status, prior insurance, higher education, employment, and military service. Average rates may vary depending on the profile and background of the policyholder.
For Michigan drivers with a clean driving record free of any moving violations, auto insurance rates may be significantly lower. Liberty Mutual offers the best options for good drivers in Michigan, at $171 a month. With both cheaper premiums and additional safe driving discounts, it can really pay to have a record free of accidents or traffic tickets.
| Insurance Company | |
|---|---|
Liberty Mutual | $171/mo |
Allstate | $231/mo |
American Family | $1,139/mo |
Everybody makes mistakes and has to deal with the fallout. The fallout for a DUI is rough: court fines, reinstatement fees, SR-22 filing, and years of paying more for car insurance to name only a few. Finding affordable rates on car insurance with a DUI is no small feat. If you find yourself really struggling to get an affordable rate, consider only carrying liability coverage as a way to save.
| Insurance Company | |
|---|---|
Foremost Signature | $49/mo |
Secura | $60/mo |
Pioneer State Mutual | $90/mo |
The sinking feeling after realizing you’ve caused an accident is no exaggeration. Even a tiny fender bender can raise rates to levels that significantly alter your budget. If you’ve paid for accident forgiveness you may have caught a break. If not: discounts, discounts, discounts.
And comparison shopping at least every time your policy is up for renewal: insurance companies look at different time windows for driving history. For example, one company might look at the last five years while the other looks at the last three. Here are the best rates we could find for drivers with one at-fault accident.
| Insurance Company | |
|---|---|
Hastings Mutual | $35/mo |
Secura | $38/mo |
Foremost Signature | $42/mo |
The need for speed can soon turn into the need for a new budget. Speeding tickets can affect people differently. But essentially, the more often you speed—and the higher your mph—the more points you’ll receive on your driver’s license. Higher points mean higher prices in the car insurance game. The best way to lower costs? Slow down and find a discount program, like a defensive driving course reduction.
| Insurance Company | |
|---|---|
Hastings Mutual | $32/mo |
Foremost Signature | $33/mo |
Secura | $59/mo |
If you’re under 40 years old in the state of Michigan, you will likely pay more for auto insurance coverage than the average driver. Since inexperienced drivers pose a higher risk for insurance providers, their rates are often significantly higher. Foremost Signature offers the cheapest car insurance rates for young drivers, averaging $26 a month. New drivers must abide by special driving restrictions, including curfews, electronic device limitations, and passenger age restrictions. Be sure to familiarize yourself with these rules before hitting the road.
Insurance policies for 21-year-olds generally run higher than the national average by a significant margin. Even though they’re no longer considered teen-drivers, 21-year-olds are still regarded as high-risk to insurers. Unlike most states, Michigan 21-year-olds benefit from the state’s ban on using gender, education level, and credit score as factors when calculating premiums. This will generally help young Michiganians lower their monthly payments. To find the cheapest car insurance for 21-year-olds, use a car insurance quotes comparison site like Insurify.
| Insurance Company | |
|---|---|
Foremost Signature | $26/mo |
Hastings Mutual | $31/mo |
Secura | $34/mo |
Travelers | $60/mo |
Auto Owners | $76/mo |
If your license has been suspended or revoked, these car insurance companies will file an SR-22 with the state of Michigan on your behalf.
Beginning July 2, 2020, Michigan drivers will have options when it comes to coverage levels for minimum liability insurance requirements. To lower auto insurance costs for Michigan drivers, Governor Gretchen Whitmer passed auto insurance reform legislation strengthening consumer protections for MI drivers. This improved no-fault system will allow drivers to choose their coverage levels, in turn, cutting costs. Starting this summer, drivers will have a choice in the level of medical coverage attached to their auto insurance policy.
Starting July 2, drivers will be able to choose from the following Personal Injury Protection (PIP) coverage options:
Michigan drivers will also be happy to know that starting July 2, the state will mandate insurance companies to reduce PIP premium rates for at least eight years.
The lower coverage you receive, the higher the average price reduction.
Other changes that are set to take effect on July 2 include:
Visit our page on Michigan’s new auto insurance law for more information and other policy changes that will take effect in July 2020.
Drawing from their database of over 4 million car insurance shopper applications, the data scientists at Insurify have published various reports on driver behavior and car ownership — including how Michigan drivers measure up to their fellow motorists across the United States in the rankings above.
From driver performance across different geographical locations and demographics to patterns in motor vehicle ownership and auto insurance coverage, Insurify Insights publishes data-driven articles, trend analyses, and national and local rankings each week on all factors related to cars and those who drive them.
While car accidents are a sadly unavoidable feature of time spent on the road, rates of accidents do vary from city to city and from state to state. Among all fifty states, Michigan drivers rank 51 in the number of car accidents per driver.
Exceeding the speed limit can endanger others and leave a permanent stain on your driving record. Michigan drivers rank 46 in the number of speeding infractions per driver across all fifty states.
While driving while intoxicated is never acceptable, it’s a more common offense than many assume. Michigan drivers rank 40 in the number of DUI’s per driver across all fifty states.
Some car models are just more popular than others and trends can vary from place to place. The most popular vehicle in Michigan is the Ford F-Series Pickup.
The Insurify team classifies rude drivers as those who commit the following driving offenses: failure to yield or failure to stop, improper backing, passing where prohibited, tailgating, street racing, or hit-and-runs. Among all fifty states, Michigan drivers rank 21 in rude driving infractions.
Having a squeaky-clean driving record is an accomplishment to be proud of. Some states have safer drivers than others; Michigan drivers rank 1 in clean driving records across all fifty states.
Street racing might seem like something straight out of a Fast and Furious movie, but it’s a real issue that threatens public safety. Among all fifty states, Michigan drivers rank 39 in street racing violations per driver.
Failing to yield the right of way isn’t just frustrating for other drivers; it’s dangerous, too. Michigan drivers rank 19 in failure to yield violations per driver across all fifty states.
Reckless driving refers to a specific traffic violation: when drivers willfully act dangerously in spite of the risks they’re imposing on both themselves and others. Among all fifty states, Michigan drivers rank 47 in the number of reckless driving offenses per driver.
As auto manufacturers increasingly turn towards producing greener car models, more and more motorists are embracing hybrids and EV’s. Michigan drivers rank 29 in hybrid and electric vehicle ownership across all fifty states.
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.
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.
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.
The car insurance quotes, statistics, and data visualizations on this page are derived from Insurify’s proprietary database of over 4 million car insurance applications from ZIP codes across the United States. Insurify’s data science team performs a comprehensive analysis of the various factors car insurance providers take into account while setting rates to provide readers insight into how car insurance quotes are priced.
