Cheapest Auto Insurance in Michigan (2023)

Michigan is the most expensive state for car insurance, Insurify data shows. Liability-only policies cost $191 per month, on average, and full-coverage policies cost $419.

High state coverage requirements, severe winter weather, and a relatively high percentage of uninsured drivers all contribute to the high costs of insurance in the Great Lakes State.^[1]

Michigan drivers will need to compare quotes from multiple car insurance companies to find the best deal available to them. Maintaining a clean driving record can also help you find lower rates.

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Cheapest car insurance companies in Michigan

Finding the best auto insurance company for you will take a little work. While Michigan drivers have plenty of options when choosing an insurance company, you’ll want to consider your needs, budget, and risks when finding the right fit for your family. The insurer with the lowest rates might not be the best fit.

As you’re researching, consider the type of policy you want and whether or not you have unique circumstances (like a spotty driving record) that could affect your rates.

Best insurer for drivers with a clean record: Auto-Owners

Best insurer for military members and their families: USAA

Best insurer for discounts: GEICO

How to get the cheapest car insurance in Michigan

Common factors that insurers consider when setting car insurance rates include a driver’s history, age, credit score, and where they live. The type of coverage you choose, like liability insurance or full coverage, will affect the cost of your policy, too. Here are a few tips for finding the cheapest car insurance in Michigan:

• Look for discounts. Check with auto insurance companies to see what discounts they offer. You may also find discounts through your work, local organizations (like the AARP), or safe driver programs.

• Compare rates from multiple insurance companies. To ensure you get the best rates, compare coverage options between at least three insurance companies. Compare the cost of coverage with the amount they offer and find one that best fits your needs.

• Opt for minimum coverage. If you own your vehicle and could afford to replace it or cover the cost of repairs in an accident, opting for liability-only coverage could save you a lot of money. You won’t have as much protection, but your premium will cost less since you’re taking on more risk.

• Bundle multiple policies. Many insurance companies offer several types of insurance products, including auto insurance, home insurance, and renters insurance. Ask your insurer if you can bundle your policies for a discounted rate. Bundled policies often offer the best deal for households with multiple insurance products.

Why are car insurance rates rising in Michigan?

Car insurance rates in Michigan rose a shocking 31% in the first six months of 2023, according to Insurify’s latest report. Michigan continues to be the most expensive state for car insurance in the country, with the average driver spending 4.4% of their household income on car insurance payments — the highest proportion in the country. 

The Michigan Catastrophic Claims Association (MCCA), which manages the state’s catastrophic claims fund, added a recoupment fee for policyholders on July 1, 2023. This move, along with industry-wide rate hikes, means Michigan drivers will face even higher car insurance premiums before the end of 2023. 

"The rising cost of auto parts, and damage from more frequent and severe storms, driven by climate change, are pushing car insurance rates higher across the country,” says Evelyn Pimplaskar, director of content at Insurify. "While rates rose 17% nationally so far in 2023, Michigan has more than outpaced that increase. Rates there soared 31%. And Michigan drivers could see even more increases before the end of the year. To get a good rate, they’ll need to do their research and shop around for a policy."

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

All Michigan drivers must have at least liability-only car insurance to legally operate a vehicle in the state. Liability insurance pays for personal injury protection and property damage expenses for other drivers involved in an accident with your vehicle, but it doesn’t offer personal injury or property damage protection for you or your vehicle.

If you’re looking for the cheapest car insurance, a liability-only policy will be less expensive than full coverage and could be a good option for your needs. If you’re worried about medical expenses, liability might not be the right choice for you.

The cheapest insurer for liability-only insurance in Michigan is Auto-Owners, with an average cost of $67 per month.

The below rates are estimated rates current as of: Tuesday, November 7 at 11:00 AM PST. 

Data reviewed by Konstantin Halachev

Konstantin HalachevVice President of Engineering

• 7+ years experience in data analysis

• Ph.D. in Computational Biology

Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.

Read Editorial Guidelines

View Full Bio

Insurance Company	Average Monthly Quote
Auto-Owners	67
USAA	68
Chubb	73
Safeco	90
GEICO	102
Progressive	130
Nationwide	136
State Farm	139
Travelers	161
Liberty Mutual	170
Bristol West	175
Midvale Home & Auto	251

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 Michigan: Auto-Owners

Drivers who want more protection should opt for full-coverage car insurance. A full-coverage policy offers the state-minimum requirements for liability and additional protection for your vehicle in an accident through collision and comprehensive coverage.

Full coverage is a good idea for drivers who can’t afford repairs or a replacement if their vehicle is damaged or totaled in an accident. If you lease or finance your vehicle, your leasing company or lender will require you to carry full-coverage car insurance. Full coverage will cost more, but it offers more financial protection. High-risk drivers may also consider a full-coverage policy for maximum security.

Auto-Owners offers the cheapest full-coverage car insurance in Michigan, with monthly rates averaging $106.

The below rates are estimated rates current as of: Tuesday, November 7 at 11:00 AM PST. 

Data reviewed by Konstantin Halachev

Konstantin HalachevVice President of Engineering

• 7+ years experience in data analysis

• Ph.D. in Computational Biology

Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.

Read Editorial Guidelines

View Full Bio

Insurance Company	Average Monthly Quote
Auto-Owners	106
USAA	107
Chubb	116
Safeco	154
GEICO	162
Progressive	183
Nationwide	216
State Farm	220
Travelers	255
Liberty Mutual	269
Bristol West	294
Midvale Home & Auto	407

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.

Car insurance requirements in Michigan

Michigan is a no-fault state, so insurance companies must pay out no matter who’s at fault in an accident. In addition, Michigan drivers must carry no-fault insurance. Michigan insurance companies utilize eligibility points to determine who qualifies for coverage with their company. These eligibility points aren’t the same as points the state uses on a driver’s record.^[2] 

Insurance companies can decline to offer coverage if you have six or more points. The most significant point offenders are driving more than 15 miles per hour over the speed limit and second offenses on any incident or accident where you’re at fault. Michigan drivers must also carry personal injury protection (PIP) and property protection insurance.

Though not required, the following coverages can be helpful to carry if you want more thorough protection than the state minimum:

• 

  Collision coverage

  Collision insurance covers the cost of damages to your vehicle if you collide with another car or an object like a tree, fence, or light pole.^[3]

  Collision also covers damages from rollover accidents or hitting a pothole.

• 

  Comprehensive coverage

  Comprehensive insurance provides coverage for damage to your vehicle from anything not related to a collision, such as fire, robbery, vandalism, theft, or weather.

• 

  Mini-tort coverage

  Limited property damage liability insurance provides extra protection if you’re found 50% more at fault for a car accident and the other driver’s insurance won’t cover damages.

• 

  Towing and rental car coverage

  You may opt to purchase towing and rental coverage to pay the cost of moving your vehicle and paying for a rental while your car is in the shop.

• 

  Uninsured/underinsured motorist coverage

  An uninsured/underinsured motorist policy offers additional protection against injuries or damages from a driver without insurance or a driver with a policy that won’t cover medical expenses or car repairs. In Michigan, this coverage is optional, not required.

Cheapest car insurance for drivers with an incident

It may be more difficult to secure cheap car insurance with incidents on your driving record. Insurance companies typically consider incidents like at-fault accidents, speeding tickets, DUIs, and other moving violations as risky behaviors.

Since insurance companies are required to pay for damages in Michigan, regardless of fault, any increased risky behavior could increase the cost of your policy. Michigan drivers could see the average cost of their policy increase significantly, depending on the type of incident.

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Cheapest car insurance for drivers with a speeding ticket: Auto-Owners

Speeding tickets may affect the cost of your insurance in Michigan. Michigan operates on a point system, with drivers accumulating points for certain traffic convictions. Speeding infractions typically result in two to four points, depending on how many miles over the posted limit you were driving when pulled over. Multiple speeding tickets can be a sign that you’re a risky driver, and the cost of your car insurance could increase.

Drivers with a speeding ticket in Michigan pay an average of $225 per month for liability-only insurance.

The below rates are estimated rates current as of: Tuesday, November 7 at 11:00 AM PST. 

Data reviewed by Konstantin Halachev

Konstantin HalachevVice President of Engineering

• 7+ years experience in data analysis

• Ph.D. in Computational Biology

Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.

Read Editorial Guidelines

View Full Bio

Insurance Company	Average Quote: Full Coverage	Average Quote: Liability Only
Auto-Owners	125	79
USAA	126	80
Chubb	137	86
Safeco	182	106
GEICO	191	120
Progressive	216	153
Nationwide	255	161
State Farm	260	164
Travelers	301	190
Liberty Mutual	318	201
Bristol West	347	207
Midvale Home & Auto	480	296

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

Drivers with at-fault accidents may accumulate points on their driving record and pay more for car insurance. Drivers with six or more violations or accumulating 12 points within two years must retake their driver’s test. But if you've had a clean driving record for three years or longer, buying accident forgiveness coverage can keep your rates stable in case you do cause an accident.

Michigan drivers with an at-fault accident on their record pay an average of $500 per month for a full-coverage policy.

The below rates are estimated rates current as of: Tuesday, November 7 at 11:00 AM PST. 

Data reviewed by Konstantin Halachev

Konstantin HalachevVice President of Engineering

• 7+ years experience in data analysis

• Ph.D. in Computational Biology

Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.

Read Editorial Guidelines

View Full Bio

Insurance Company	Average Quote: Full Coverage	Average Quote: Liability Only
Auto-Owners	126	80
USAA	128	81
Chubb	138	87
Safeco	184	107
GEICO	193	122
Progressive	218	155
Nationwide	258	162
State Farm	262	166
Travelers	304	192
Liberty Mutual	321	203
Bristol West	351	209
Midvale Home & Auto	485	299

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

Michigan law allows insurance companies to deny insurance coverage to drivers with a history of a DUI in the past three years. Since drivers with a DUI conviction are considered higher risk (and may even require an SR-22 certificate), drivers should expect to pay a higher premium.

If you’ve been convicted of a DUI in Michigan, you might pay a monthly average of $266 for liability-only insurance and $583 for full-coverage insurance.

Drivers with a DUI conviction may have fewer options, but some insurers still offer affordable quotes, as seen below.

The below rates are estimated rates current as of: Tuesday, November 7 at 11:00 AM PST. 

Data reviewed by Konstantin Halachev

Konstantin HalachevVice President of Engineering

• 7+ years experience in data analysis

• Ph.D. in Computational Biology

Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.

Read Editorial Guidelines

View Full Bio

Insurance Company	Average Quote: Full Coverage	Average Quote: Liability Only
Auto-Owners	148	93
USAA	149	95
Chubb	162	102
Safeco	214	125
GEICO	226	142
Progressive	255	181
Nationwide	301	189
State Farm	306	194
Travelers	355	224
Liberty Mutual	375	237
Bristol West	409	244
Midvale Home & Auto	567	350

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

Senior drivers can expect to pay a little more once they reach age 70. The increased rate offsets some of the higher risks senior drivers experience. Common causes of accidents in seniors include physical and mental decline or medication complications.^[4]

Senior drivers in Michigan pay an overall average of $264 per month for car insurance coverage.

You can find the cheapest car insurance companies for senior drivers in Michigan below.

The below rates are estimated rates current as of: Tuesday, November 7 at 11:00 AM PST. 

Data reviewed by Konstantin Halachev

Konstantin HalachevVice President of Engineering

• 7+ years experience in data analysis

• Ph.D. in Computational Biology

Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.

Read Editorial Guidelines

View Full Bio

Insurance Company	Average Quote: Full Coverage	Average Quote: Liability Only
Auto-Owners	86	54
USAA	87	55
Chubb	94	59
Safeco	125	73
GEICO	131	83
Progressive	148	105
Nationwide	175	110
State Farm	178	113
Travelers	206	130
Liberty Mutual	218	138
Bristol West	238	142
Midvale Home & Auto	330	203

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

Young drivers typically face higher insurance premiums than older drivers because insurance companies view them as more likely to file a claim. Drivers between the ages of 16 and 19 are more likely to be involved in a car accident than any other age group, according to the Centers for Disease Control and Prevention (CDC).^[5]

A liability-only policy averages $251 per month for teen drivers in Michigan.

Teen drivers can secure lower insurance costs in many different ways, such as staying on their parents’ policy, obtaining a safe-driving certification, and applying for a good student discount. Teens younger than 18 won't be able to buy their own policy without written consent from a parent or guardian.

The below rates are estimated rates current as of: Tuesday, November 7 at 11:00 AM PST. 

Data reviewed by Konstantin Halachev

Konstantin HalachevVice President of Engineering

• 7+ years experience in data analysis

• Ph.D. in Computational Biology

Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.

Read Editorial Guidelines

View Full Bio

Insurance Company	Average Quote: Full Coverage	Average Quote: Liability Only
Auto-Owners	139	88
USAA	141	89
Chubb	153	96
Safeco	202	118
GEICO	213	134
Progressive	241	171
Nationwide	284	179
State Farm	289	183
Travelers	335	212
Liberty Mutual	354	224
Bristol West	387	230
Midvale Home & Auto	535	330

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.

Find Cheap Car Insurance in Michigan

Compare rates from 70+ top insurers and save up to $717 annually

Enter your ZIP codeView My Quotes

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Based on 3,806+ reviews

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Michigan car insurance quotes by credit tier

Michigan prohibits car insurance companies from using credit history when determining premiums. It also bans the use of gender, marital status, home ownership, education, occupation, and ZIP codes in rating decisions.

The table below shows what the average driver in Michigan may expect to pay based on their credit score.

Michigan car insurance FAQs

Insurify Insights

How Michigan Drivers Measure Up

While most drivers know that car insurance quotes are determined in part by your personal driving history, many may be unaware that rates are also impacted by the average risk of the drivers around you as well. Check out Insurify's latest analysis of driving records in Michigan below:

Methodology

Drawing from an internal database of over 4 million car insurance applications, the research team at Insurify analyzes patterns in car ownership and driver behavior - including how Michigan drivers measure up to their fellow motorists across the United States in areas including speeding, DUIs, and more.
Insurify Insights publishes data-driven articles, trend analyses, and national rankings each week on all factors related to cars and those who drive them.

Chevrolet Malibu

Most Popular Car in Michigan

#40

State with the Most Speeding Tickets Rank

#50

State with the Moving Violations Rank

#36

State with the Most DUIs Rank

#36

State with the most Suspended Licenses

• Accidents in Michigan

  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. Michigan is the #50 state in the country for drivers with an at-fault accident on their driving record.

  • Rank among states: #50
  • Percent of drivers in Michigan with an accident: 4.1%
• DUIs in Michigan

  While driving while intoxicated is never acceptable, it’s a more common offense than many assume. Michigan is the #36 state in the country for drivers with a prior drunk driving conviction.

  • Rank among states: #36
  • Percent of drivers in Michigan with a DUI: 1%
• Reckless Driving in Michigan

  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. Michigan is the #17 state in the country for drivers with a reckless driving offense on record.

  • Rank among states: #17
  • Percent of drivers in Michigan with a reckless driving offense: 1.5%
• Rude Driving in Michigan

  The Insurify team classifies rude drivers as those who commit one or more of the following driving offenses: failure to yield or failure to stop, improper backing, passing where prohibited, tailgating, street racing, or hit-and-run. Michigan is the #20 state in the country for drivers with a rude driving violation on record.

  • Rank among states: #20
  • Percent of drivers in Michigan with a rude driving violation: 1.7%
• Speeding in Michigan

  Exceeding the speed limit can endanger others and have a serious impact on your insurance costs. Michigan is the #40 state in the country for drivers with a speeding ticket on record.

  • Rank among states: #40
  • Percent of drivers in Michigan with a speeding ticket: 6.8%
• Failure to Yield Rates in Michigan

  Failing to yield the right of way isn’t just frustrating for other drivers; it’s dangerous, too. Michigan is the #47 state in the country for drivers with a failure to yield violation on record.

  • Rank among states: #47
  • Percent of drivers in Michigan with a failure to yield violation: 0%

Insurify Insights

Insurify's team of data scientists and content specialists presents Insurify Insights, a series of automotive, home, and health studies focusing on the topics that impact us all. through expert analysis of over 4 million car insurance applications and an array of top data sources, the Insurify Insights team produces new data-driven articles, trend analyses, regional superlatives, and national rankings every week. See Insurify Insights as featured in Forbes, Fox News, USA Today, NPR, and more.