Cheapest Auto Insurance in Michigan (2024)

Auto-Owners has the cheapest car insurance in the Wolverine State, with monthly liability-only rates averaging $66.

Angela Brown
Written byAngela Brown
Angela Brown
Angela Brown
  • 17+ years in insurance and personal finance writing

  • In-depth knowledge of home and real estate topics

Angela is an insurance and personal finance expert who uses her experience to create content that helps readers understand important and complex topics.

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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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Mark Friedlander
Reviewed byMark Friedlander
Mark Friedlander
Mark FriedlanderDirector, Corporate Communications
  • Corporate communications director for Insurance Information Institute

  • 20+ years in insurance and communications

As Director, Corporate Communications for Triple-I, Mark serves as the non-profit’s national spokesperson, sharing information and education on a wide array of insurance issues.

Konstantin Halachev
Data reviewed byKonstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
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.

Updated March 1, 2024 at 11:00 AM PST

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Michigan is one of the most expensive states for car insurance, Insurify data shows. Full-coverage policies cost $220 per month, or $2,640 per year, on average, the ninth-highest rate in the nation.

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.

Quick Facts
  • The average cost of full-coverage car insurance in Michigan is $220 per month, and liability-only coverage costs $136 per month.

  • Auto-Owners is the cheapest top insurer in Michigan, with rates as low as $66 per month.

  • Detroit has some of the most expensive car insurance rates in the country, at $242 per month, on average.

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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.

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
Auto-Owners4.0$110$66Drivers with a clean record
USAA4.5$111$67Military members and their families
GEICO4.2$167$101Discounts
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.
  • Insurify uses an in-house, proprietary method to rate and review the best car insurance companies. The Insurify Quality (IQ) Score uses more than 15 crucial criteria, including average premiums, customer satisfaction, discounts, third-party ratings, and more, to calculate a final score for a company.

    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. With the IQ Score, Insurify is able to provide quantitative ratings for drivers to better compare car insurance companies and make informed decisions to meet their coverage needs.

Best insurer for drivers with a clean record: 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.
4.1
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
834
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.
$66/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.
$110/mo

Auto-Owners Insurance opened its doors in 1916 and now offers coverage to nearly 3 million people. Auto-Owners operates in 26 states and offers a range of products, including auto insurance, life insurance, and business insurance.

Pros
  • Some of the cheapest rates in Michigan

  • Variety of coverages and products 

  • Based in Michigan

Cons
  • High number of complaints from Michigan consumers in the National Association of Insurance Commissioners data base

  • Many complaints on Trustpilot

  • Quotes not available online

I was pleased with the agent and for years the price, but now they have gotten too expensive for a person on a fixed income.

Mary - August 13, 2023
Verified

I was dropped because of two minor at-fault accidents in two plus years.

Zachary - January 8, 2023
Verified

You can work directly with an agent.

Guy - May 17, 2022
Verified
Read our Auto-Owners review

Best insurer for military members and their families: 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.
4.3
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
891
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.
$67/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.
$111/mo

USAA is the top auto insurance choice for active-duty military members, veterans, and their families in Michigan. USAA consistently scores high on customer satisfaction studies from J.D. Power and has a strong Insurify Quality (IQ) Score.

Pros
  • Affordable rates

  • Exceptional customer service ranking by J.D. Power

  • Usage-based insurance available

Cons
  • Limited to active-duty military members, veterans, spouses, and children

  • Home/auto bundling discount lower than many competitors

  • Fewer coverage options

They have stopped thinking about how today's financial strain is impacting their customers.

Darcy - November 26, 2023
Verified

Not satisfied with price hike even after lowering coverage.

Linda - November 3, 2023
Verified

Wonderful service, pricing, and care.

Robert - October 24, 2023
Verified
Read our USAA review

Best insurer for discounts: GEICO

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.
4.3
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
847
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.
$101/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.
$167/mo

GEICO offers a broad range of coverage options and discounts, including roadside assistance coverage starting at just $14 per year. You can also get rental reimbursement and mechanical breakdown coverage to help you get back on the road.

Pros
  • Competitive rates 

  • Variety of discounts

  • Mobile app has excellent customer ratings

Cons
  • Below-average J.D. Power customer satisfaction rating

  • Gap insurance not available

  • Not the cheapest insurer in Michigan

Everything good except the price.

RAY - December 4, 2023
Verified

I have not had problems; prices just remain high with little to no customer service and little benefit from 26+ years of customer loyalty.

Elizabeth - December 3, 2023
Verified

I had been with them a few years until they started raising my rates every time I was up for renewal. I got a new quote from another company that was $50 less than GEICO for the same coverage. That's not how to show customer loyalty, and it's the reason GEICO lost me as a customer.

Denise - December 3, 2023
Verified
Read our GEICO review
Read More: The 10 Best Car Insurance Companies

Read More: The 10 Best Car Insurance Companies

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 5% over the course of 2023, according to Insurify’s latest report. Michigan continues to be one of the most expensive states for car insurance in the country, with the average driver spending 3.7% of their household income on car insurance payments compared to the national average of 2.6%. 

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 likely face even higher car insurance premiums by the end of 2024.

Nationally, Insurify projects prices to rise an additional 7% in 2024 - nearly twice the average yearly increase.

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 $66 per month.

The below rates are estimated rates current as of: Friday, March 1 at 11:00 AM PST
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
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.

Insurance CompanyAverage Monthly Quote
Auto-Owners66
USAA67
Chubb73
Safeco85
GEICO101
Progressive129
Nationwide135
State Farm138
Direct Auto149
Travelers159
Liberty Mutual169
Bristol West182
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 $110.

The below rates are estimated rates current as of: Friday, March 1 at 11:00 AM PST
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
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.

Insurance CompanyAverage Monthly Quote
Auto-Owners110
USAA111
Chubb120
Safeco150
GEICO167
Progressive186
Nationwide224
State Farm228
Travelers263
Liberty Mutual280
Direct Auto310
Bristol West311
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, 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.

CoverageMinimum Requirements
Bodily injury liability$20,000 per person and $40,000 per accident
Property damage liability$10,000

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

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

    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.

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

    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.

  • illustration card https://a.storyblok.com/f/162273/x/f2ca9fa443/protection-for-passengers.svg

    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.

  • illustration card https://a.storyblok.com/f/162273/100x100/24f1697280/car-key.svg

    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.

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

    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.

Shop for Car Insurance in Michigan

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Cheapest car insurance for drivers with a speeding ticket: USAA

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: Friday, March 1 at 11:00 AM PST
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
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.

Insurance CompanyAverage Quote: Full CoverageAverage Quote: Liability Only
USAA13079
Auto-Owners13380
Chubb14487
Safeco191108
GEICO196119
Progressive228158
State Farm264160
Nationwide266160
Travelers315190
Liberty Mutual356215
Bristol West372218
Direct Auto381183
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 $445 per month for a full-coverage policy.

The below rates are estimated rates current as of: Friday, March 1 at 11:00 AM PST
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
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.

Insurance CompanyAverage Quote: Full CoverageAverage Quote: Liability Only
USAA13682
Auto-Owners13782
Chubb14890
Safeco203115
GEICO205124
Progressive239166
State Farm276167
Nationwide278167
Travelers327198
Liberty Mutual372224
Bristol West381223
Direct Auto399192
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 $267 for liability-only insurance and $518 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: Friday, March 1 at 11:00 AM PST
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
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.

Insurance CompanyAverage Quote: Full CoverageAverage Quote: Liability Only
Auto-Owners16498
USAA165100
Chubb179109
Safeco223127
GEICO249150
Progressive277192
Nationwide333201
State Farm339205
Travelers391237
Liberty Mutual417252
Direct Auto461222
Bristol West463271
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 $243 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: Friday, March 1 at 11:00 AM PST
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
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.

Insurance CompanyAverage Quote: Full CoverageAverage Quote: Liability Only
Chubb7646
Auto-Owners7746
USAA8350
Progressive11177
GEICO12173
Safeco12873
Nationwide14688
State Farm15393
Travelers192116
Liberty Mutual211127
Direct Auto225108
Bristol West237139
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 $247 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: Friday, March 1 at 11:00 AM PST
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
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.

Insurance CompanyAverage Quote: Full CoverageAverage Quote: Liability Only
USAA15895
Auto-Owners15995
Chubb194118
GEICO225136
Safeco234133
Progressive289201
Nationwide332200
State Farm338205
Liberty Mutual411248
Travelers414250
Bristol West445261
Direct Auto494237
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.
Learn More: The 10 Best and Worst Car Insurance Comparison Sites

Learn More: The 10 Best and Worst Car Insurance Comparison Sites

Find Cheap Car Insurance in Michigan

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

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Based on 3,806+ reviews
4.8/5
Shopper Approved
ProgressiveLiberty MutualTravelers

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.

Rates by Credit Tier

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.

Michigan car insurance FAQs

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

  • How much is car insurance in Michigan?

    Car insurance in Michigan costs $275 per month, on average. Drivers in the state pay $363 per month for full-coverage insurance and $187 per month for liability coverage. Your exact rate will depend on your insurer, driving record, age, credit history, vehicle type, chosen coverage level, and more.

  • Who has the cheapest car insurance in Michigan?

    Auto-Owners, USAA, and Chubb have the cheapest insurance in Michigan. Their liability-only rates average $66, $67, and $73 per month, respectively. But the cheapest insurer for you will depend on multiple factors, including your age, ZIP code, type of car you drive, and chosen coverage levels.

  • Why is car insurance so expensive in Michigan?

    Car insurance in Michigan is so expensive partly because it’s a no-fault state, meaning drivers must carry personal injury protection insurance to cover damages regardless of who caused a given accident. This extra coverage isn’t required in most states, so Michigan drivers have to bear the burden of higher insurance premiums.

  • What are the best car insurance companies in Michigan?

    With an Insurify Quality (IQ) Score of 4.0 out of 5 and an AM Best financial strength rating of A++ (Superior), Auto-Owners is the best car insurance company in Michigan. Of the insurers Insurify has rate data for, other top Michigan auto insurers include USAA and GEICO.

  • How much car insurance do you need in Michigan?

    Drivers in Michigan must carry $20,000 per person and $40,000 per accident in bodily injury liability insurance, as well as $10,000 in property damage liability coverage. Michigan drivers must also carry personal injury protection and property protection insurance.

  • Is Michigan a no-fault state?

    Yes. Michigan is a no-fault state. This means drivers responsible for an auto accident are responsible for covering the costs of resulting damage and injury for the other driver and their passengers.

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.

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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

  • 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%
  • 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 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%
  • 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%
  • 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%
  • 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.

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. Insurance Information Institute. "Facts + Statistics: Uninsured motorists." Accessed December 14, 2022
  2. Michigan Department of Insurance and Financial Services. "Your Guide to Automobile Insurance." Accessed July 31, 2023
  3. Michigan Department of Insurance and Financial Services. "What are some of the optional auto insurance coverages I can buy?." Accessed July 31, 2023
  4. Insurance Information Institute. "Senior driving safety and insurance tips." Accessed July 31, 2023
  5. Centers for Disease Control and Prevention. "Teen Drivers and Passengers: Get the Facts." Accessed July 31, 2023
Angela Brown
Angela Brown

Angela Brown is a freelance writer with 17 years of professional writing and editing experience.
She specializes in finance, real estate, and insurance content. Angela uses her experience to
create easy-to-understand content that helps consumers understand tough topics better. When
she’s not working, she enjoys spending time with her family and planning vacations.

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.

Featured in

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Mark Friedlander
Reviewed byMark FriedlanderDirector, Corporate Communications
Mark Friedlander
Mark FriedlanderDirector, Corporate Communications
  • Corporate communications director for Insurance Information Institute

  • 20+ years in insurance and communications

As Director, Corporate Communications for Triple-I, Mark serves as the non-profit’s national spokesperson, sharing information and education on a wide array of insurance issues.

Konstantin Halachev
Data reviewed byKonstantin HalachevVice President of Engineering
Headshot of Konstantin Halachev, VP of Engineering at Insurify
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.

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