Cheap Auto Insurance Quotes in Michigan (2021)

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As we work together to slow the spread of COVID-19, state insurance commissions and insurance providers are constantly changing regulations and practices surrounding monthly payments, claim payouts, and more. To stay up to date with the latest on auto insurance reimbursements in your area, be sure to check with your state’s insurance commission and your current auto insurance provider.

If your driving habits have changed due to COVID-19, find a new, cheaper, ready-to-buy auto insurance policy on Insurify by comparing dozens of quotes at once.

Michigan has some of the most complicated auto insurance laws in the nation. Can Michiganders still save?

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.

Cheapest Car Insurance in Michigan

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

Best Car Insurance in Michigan

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

Car Insurance in Michigan

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

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

CityCheapest CarrierQuote
Liberty MutualLiberty Mutual
$520/mo
Liberty MutualLiberty Mutual
$241/mo
AllstateAllstate
$304/mo
Liberty MutualLiberty Mutual
$399/mo
Liberty MutualLiberty Mutual
$217/mo
Liberty MutualLiberty Mutual
$171/mo
American FamilyAmerican Family
$1,220/mo
American FamilyAmerican Family
$1,662/mo
Liberty MutualLiberty Mutual
$317/mo
AllstateAllstate
$291/mo
Liberty MutualLiberty Mutual
$368/mo
Liberty MutualLiberty Mutual
$322/mo
Liberty MutualLiberty Mutual
$198/mo
Liberty MutualLiberty Mutual
$254/mo
Liberty MutualLiberty Mutual
$302/mo
Liberty MutualLiberty Mutual
$310/mo
American FamilyAmerican Family
$1,173/mo

Michigan Driving Facts

Minimum Car Insurance Requirements in MI

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.

michigan

Cheapest Car Insurance Quotes in Michigan by Profile

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.

Cheap Car Insurance for Good Drivers

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 CompanyQuote
Liberty Mutual
$171/mo
Allstate
$231/mo
American Family
$1,139/mo

Cheap Car Insurance for Drivers with DUI

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 CompanyQuote
MetLife
$49/mo
Secura
$60/mo
Pioneer State Mutual
$90/mo

Cheap Car Insurance for Drivers with an At-Fault Accident

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 CompanyQuote
Hastings Mutual
$35/mo
Secura
$38/mo
MetLife
$42/mo

Cheap Car Insurance for Speeding Drivers

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 CompanyQuote
Hastings Mutual
$32/mo
MetLife
$33/mo
Secura
$59/mo

Cheap Car Insurance for Young Drivers

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. MetLife 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 CompanyQuote
MetLife
$26/mo
Hastings Mutual
$31/mo
Secura
$34/mo
Travelers
$60/mo
Auto Owners
$76/mo

SR‌-22 Insurance in Michigan

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.

New Insurance Changes in Michigan

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:

  1. Unlimited PIP coverage
  2. $500,000 coverage limit
  3. $250,000 coverage limit
  4. $250,000 coverage limit with PIP medical exclusion(s). Applies to drivers who already have private health coverage that covers injuries related to an auto accident, or those whose spouse or household relatives have a qualifying health plan that covers injuries related to an auto accident.
  5. $50,000 coverage limit. Applies only to Medicaid recipients, or those whose spouse or household relatives have a qualifying health plan that covers injuries related to an auto accident.
  6. No PIP coverage. Applies only if drivers, their spouses, and all household relatives have Medicare or a qualified health insurance plan.

 

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.

  • Unlimited coverage would receive on average a 10% reduction
  • $500,000 in coverage would reduce on average by 20%
  • $250,000 in coverage would reduce on average by 35%
  • $50,000 in coverage would reduce on average by 45%
  • Individuals with Medicare or qualified health insurance could opt out and receive a 100% rate reduction on certain portions of PIP, depending on their individual circumstances. MCCA deficit fee would still apply (MCCA has announced the deficit fee is $0 for 2020).

Other changes that are set to take effect on July 2 include:

  • Some personal factors will no longer be used to set insurance rates for personal policies. These variables include your postal code, credit score, homeownership status, level of education, and occupation. 
  • The state will increase minimum liability coverage limits to $50,000 per person and $100,000 per accident. If you do not choose this new minimum liability coverage limit, your policy will default to $250,000 per person and $500,000 per accident. Policyholders will be sent a new selection form at each renewal to opt into lower coverage limits.
  • Policyholders will be able to select PIP coverage at each policy renewal.

Visit our page on Michigan’s new auto insurance law for more information and other policy changes that will take effect in July 2020.

State Rankings

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

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

Greenest Cities in Michigan

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

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

Greenes Cities

Farmington

Greenes Cities
% of Hybrids / Electrics
1%
Most Patriotic City

Most Patriotic City

Muskegon

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

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

Road Statistics

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

road with cars illustration

Road Rankings

17%Rural Roads in
Poor Condition

#12Ranked

13%Structurally Deficient
Rural Bridges

#7Ranked

1%Fatality Rate per 100M VMT
on Rural Roads

#28Ranked


FAQs - Michigan Car Insurance

What’s the cheapest auto insurance in Michigan?

What’s cheapest for one Michigan driver is not necessarily cheapest for another. Every driver has a different combination of needs—family size and type of vehicle can greatly affect what components make up a policy—as well as discount eligibility, driving history, and hazard exposure. Because of these and many other differences, costs vary greatly—even between neighbors with similar vehicles. The best thing to do is to use comparison shopping to see your range of prices and options. Only then can you be certain you’re getting the best deal on your auto insurance policy.

What’s the best auto insurance in Michigan?

Again, what’s best for one Michigan driver is not necessarily best for another. Because needs, priorities, and hazards, among other factors, can change in drastic variation from driver to driver, “best” is hard to name for a general population. For example, one driver may require an in-person agent while another needs an easy-to-use app. It’s likely that these drivers will choose different auto insurance companies. The best thing to do is to make a list of must-haves, nice-to-haves, and deal-breakers. With a prioritized list, comparison shopping is made a lot easier, especially when comparing two companies with similar pricing.

Why is Michigan auto insurance so expensive?

This is a complicated question to answer. One of the main reasons Michigan auto insurance costs so much is due to the state’s no-fault laws. Mandated unlimited medical coverage is part of every Personal Injury Protection plan, making it more likely for claimants to make claims. Basically, because there are almost no caps, no one shies away from using the claims system. On top of that, hospitals don’t give reduced rates for care to auto insurance companies. That might sound normal, but essentially all medical insurers make deals with hospitals to set rates for care. All of this creates an exaggerated risk for insurance companies compared to the rest of the nation. The result is a strange catch-22 situation. First, because the risks are so high for insurance companies, fewer companies are willing to offer coverage in Michigan. This keeps competition low, and that includes competition on pricing. And second, because the risks are high, the premiums are high, and people who can’t find an affordable premium forgo insurance altogether. This is why Michigan has one of the highest rates of uninsured drivers in the country, 20.3 percent according to the Insurance Information Institute. When people without insurance cause an accident, it makes things more expensive for everyone. Insurance companies are on the hook due to uninsured motorist protection, and drivers without uninsured motorist coverage are left with medical bills and property damage. As these statistics stack up, the calculated risk of a geographical area increases.

What is the Michigan auto insurance reform bill?

Beginning in July 2020, Michiganders ought to receive some auto insurance relief. The new bill signed in May 2019 will finally go into effect. What does the auto insurance reform bill do? The main idea is that it eliminates mandated unlimited medical coverage. Michigan drivers can still opt-in, and pay more in premiums, but they are not required to carry so much coverage. This will, theoretically, bring down and slow the rising cost of Personal Injury Protection, which had risen to 42% of premium costs in the last three decades. However, not all costs are likely to decrease. Liability coverage is actually likely to increase, as liability risks will also likely increase due to lowered no-fault limits.