Cheapest Auto Insurance in Michigan (2026)

Michigan is one of the most expensive states for car insurance, Insurify data shows. Full-coverage policies cost $211 per month, or $2,533 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]

You’ll need to compare quotes from multiple car insurance companies to find the best deal available. Maintaining a clean driving record can also help you find lower rates.

6 of the cheapest car insurance companies in Michigan

While you 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 research, consider the type of policy you want and whether you have unique circumstances (like a spotty driving record) that could affect your rates. Start your search with the insurers in the table below.

Compare quotesCompare	Compare quotesCompare	Compare quotesCompare	Compare quotesCompare	Compare quotesCompare	Compare quotesCompare
Average price Prices based on average across state-minimum and full coverage car insurance $93/mo*	Average price Prices based on average across state-minimum and full coverage car insurance $94/mo*	Average price Prices based on average across state-minimum and full coverage car insurance $121/mo*	Average price Prices based on average across state-minimum and full coverage car insurance $109/mo*	Average price Prices based on average across state-minimum and full coverage car insurance $209/mo*	Average price Prices based on average across state-minimum and full coverage car insurance $157/mo*
Overall rating 4.3 143 reviews	Overall rating 4.9 1,426 reviews	Overall rating 3.4 494 reviews	Overall rating 3.8 4,135 reviews	Overall rating 4.0 7,215 reviews	Overall rating 3.2 7,878 reviews
Value for money 3.5/5	Value for money 4.9/5	Value for money 2.8/5	Value for money 3.3/5	Value for money 3.8/5	Value for money 3.0/5
Customer service 3.5/5	Customer service 4.8/5	Customer service 2.4/5	Customer service 3.8/5	Customer service 4.0/5	Customer service 3.3/5
Claims handling 4.0/5	Claims handling 4.9/5	Claims handling 3.2/5	Claims handling 3.8/5	Claims handling 4.1/5	Claims handling 3.4/5
Special highlight AI-generated from 143 user reviews Cheap rates	Special highlight AI-generated from 1426 user reviews Members of the military community	Special highlight AI-generated from 494 user reviews Usage-based insurance	Special highlight AI-generated from 4135 user reviews Accident forgiveness	Special highlight AI-generated from 7215 user reviews Teen drivers	Special highlight AI-generated from 7878 user reviews Competitive rates

Data in this table has been sourced from Insurify’s users who have indicated they are insured with the listed providers

Insurance Company	IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.	Average Quote: Full Coverage	Average Quote: Liability Only
Auto-Owners	8.2	$115	$71
USAA	9.1	$116	$72
GEICO	9.2	$240	$178

Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

• How Insurify rates insurance companies

  Our editorial team spent more than 350 hours developing the Insurify Quality (IQ) Score and scoring insurance companies. The IQ Score objectively analyzes and calculates a score for insurers using more than 15 crucial criteria. The team weighted criteria by importance to the consumer — factors such as customer reviews and affordability influence the score more than availability and third-party ratings.

  We rate each company on a 1 to 10 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. Insurify updates ratings once a year or as more recent information becomes available.

  • Third-party financial ratings: Insurify uses data from AM Best, S&P, Moody’s, and more to compare insurance companies’ credit and ability to pay out future claims.
  • Customer satisfaction: To calculate this score, Insurify analyzed more than 55,000 customer reviews across 155 car insurance companies. We also consider third-party ratings from J.D. Power, the National Association of Insurance Commissioners, and Trustpilot.
  • Affordability: Our data scientists analyzed more than 90 million real-time auto insurance rates from our partners across the U.S., as well as available discounts, to calculate an affordability score.
  • Customer support and transparency: This measures coverage options, ease of claims filing, and the insurer's transparency surrounding discounts, coverages, and claims process.
  • Availability and reach: Insurify scores availability and reach by identifying the number of states in which insurers offer coverage and company size by market share.

Auto-Owners

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User Reviews	4.3 143 reviews
IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.	8.2 /10
Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.	$71/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.	$115/mo

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Driver Reviews

4.3

Best choiceBased on 290 verified guest reviews and ratings

How drivers feel about Auto-Owners

Customers appreciate the friendly service and quick claims process but dislike the constant rate increases and perceived inflexibility in pricing.

AI-generated from the text of verified reviews collected by Insurify

Best For

Cheap rates

Senior drivers

Ample discounts

How drivers feel about Auto-Owners

Customers appreciate the friendly service and quick claims process but dislike the constant rate increases and perceived inflexibility in pricing.

AI-generated from the text of verified reviews collected by Insurify

Best For

Cheap rates

Senior drivers

Ample discounts

Reviews (143)

Scott

Verified Review

Poor

Reviewed in Michigan on January 28, 2026

Prices are too high.

Gary

Verified Review

Tornado

Reviewed in Ohio on January 25, 2026

I asked for discounts, but they don't offer any due to tornado damage claims.

Larry

Verified Review

Good

Reviewed in Tennessee on January 22, 2026

Good coverage, just a little high.

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Our Advice

JD Power

J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.

646

NAIC Index

Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.

0.46

A.M. Best

A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).

A++

Why we picked this company

Headquartered in Lansing, Auto-Owners could be a good option for Michigan drivers who want to work with a local agent who knows the area. In addition to competitive rates, you can save with discounts, such as those for bundling policies, paying your premiums in full, and installing safety features in your vehicle.

Pros

• AM Best financial strength rating of A++ (Superior)

• Many available discounts and coverage options

Cons

• Available in only 26 U.S. states

• Below-average J.D. Power customer satisfaction rating in Michigan

USAA

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User Reviews	4.9 1,426 reviews
IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.	9.1 /10
Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.	$72/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.	$116/mo

Show Details

Driver Reviews

4.9

Best choiceBased on 2,814 verified guest reviews and ratings

How drivers feel about USAA

Customers appreciate the insurer’s reliable customer service and claim handling but express concerns about high rates and frequent price increases. Some also find the insurer’s security protocols and communication methods frustrating.

AI-generated from the text of verified reviews collected by Insurify

Best For

Members of the military community

Outstanding customer service

Competitive rates

How drivers feel about USAA

Customers appreciate the insurer’s reliable customer service and claim handling but express concerns about high rates and frequent price increases. Some also find the insurer’s security protocols and communication methods frustrating.

AI-generated from the text of verified reviews collected by Insurify

Best For

Members of the military community

Outstanding customer service

Competitive rates

Reviews (1,426)

Richard

Verified Review

No Problem

Reviewed in North Dakota on January 28, 2026

No problem. I pay the bill and have not had to use the insurance.

Dale

Verified Review

USAA Experience

Reviewed in Colorado on January 28, 2026

Transparent, very good service, good value.

John

Verified Review

Shop around and don't be fooled

Reviewed in Florida on January 28, 2026

When you try to cancel, you get hassled, and they only think of money and how much they can get from you. It's the second most expensive car insurance I've ever had.

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Our Advice

JD Power

J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.

726

NAIC Index

Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.

1.31

A.M. Best

A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).

A++

Why we picked this company

USAA exclusively works with active-duty military members, veterans, and their immediate family members, making it a good choice for the more than 5% of Michigan’s population who are veterans. In addition to multiple types of insurance, the company is a full-service financial institution that also has banking, retirement, and investing services.

Pros

• Savings of up to 30% with SafePilot program

• AM Best financial strength rating of A++ (Superior)

Cons

• No 24/7 live customer support

• Only active-duty military members, veterans, and their family members are eligible for coverage

GEICO

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User Reviews	4.0 7,215 reviews
IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.	9.2 /10
Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.	$178/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.	$240/mo

Show Details

Driver Reviews

4.0

Best choiceBased on 14,686 verified guest reviews and ratings

How drivers feel about GEICO

Customers appreciate the reliability and customer service but find the rates to be high and increase frequently, even without claims or accidents. The app has improved, but some find the claims process lacking.

AI-generated from the text of verified reviews collected by Insurify

Best For

Teen drivers

Cheap rates

Accident forgiveness

How drivers feel about GEICO

Customers appreciate the reliability and customer service but find the rates to be high and increase frequently, even without claims or accidents. The app has improved, but some find the claims process lacking.

AI-generated from the text of verified reviews collected by Insurify

Best For

Teen drivers

Cheap rates

Accident forgiveness

Reviews (7,215)

Donna

Verified Review

Good find.

Reviewed in California on January 28, 2026

They have been great. The best price I could find, since my first insurance went up to over $100.00. So I looked around until I found GEICO.

Ernesto

Verified Review

Less Expensive

Reviewed in Connecticut on January 28, 2026

Cheaper than what you offer.

Gerard

Verified Review

I just started with Geico about six months ago, no issues and better than some other insurance

Reviewed in New York on January 27, 2026

Geico is cheaper than some car insurance.

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Our Advice

JD Power

J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.

641

NAIC Index

Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.

0.59

A.M. Best

A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).

A++

Why we picked this company

GEICO is one of the largest insurance companies in the U.S. by market share and offers competitive rates in Michigan. You can save on your premiums even more by taking advantage of the company’s many discounts, including those for customer loyalty, driver affiliations, and safe driving.

Pros

• Many available discounts

• AM Best financial strength rating of A++ (Superior)

Cons

• Not the cheapest rates in Michigan

• Below-average J.D. Power customer satisfaction rating in Michigan

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 history, 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.

Low-cost car insurance in Michigan

Michigan drivers typically see some of the highest car insurance rates across the country. While the state doesn’t have a program to help low-income drivers find more affordable car insurance, if you’re looking for cheaper car insurance, you should consider comparing quotes among three to five insurers every six months to make sure you’re always getting the best deal.

Find Cheap Car Insurance in Michigan

Liability rates start as low as $71 per month

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4.7 out of 5 based on 11,378 reviews

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Why are car insurance rates rising in Michigan?

Car insurance rates in Michigan are projected to rise by 8% by the end of 2024, according to Insurify’s latest report. Full-coverage car insurance premiums in the state increased by 4% between June 2023 and June 2024, compared to a 28% increase nationwide.

Michigan continues to be one of the most expensive states for car insurance in the country. The average driver spends 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 quotes 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.

Liability-only insurance in Michigan costs $135 per month, on average.

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 table below shows the cheapest liability-only insurance companies in Michigan.

The below rates are estimated rates current as of: Wednesday, January 28 at 11:00 AM PST. 

Data reviewed by Konstantin Halachev

Konstantin HalachevVP of Engineering & Data Science

• 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

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Insurance Company	Average Monthly Quote
Auto-Owners	$71
USAA	$72
Chubb	$78
National General	$109
Safeco	$110
Progressive	$121
Bristol West	$134
Direct Auto	$141
Nationwide	$145
State Farm	$148
Liberty Mutual	$152
Travelers	$171
GEICO	$178

Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ 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 quotes 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.

Michigan drivers pay an average of $211 per month for full-coverage policies.

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.

The below rates are estimated rates current as of: Wednesday, January 28 at 11:00 AM PST. 

Data reviewed by Konstantin Halachev

Konstantin HalachevVP of Engineering & Data Science

• 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	$115
USAA	$116
Chubb	$126
Progressive	$192
Safeco	$193
National General	$230
Liberty Mutual	$231
Nationwide	$235
State Farm	$239
GEICO	$240
Direct Auto	$262
Bristol West	$270
Travelers	$277

Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ 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.

Coverage	Minimum 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:

• 

  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. 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 companies in MI 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

Find liability coverage as low as $71/month

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4.7 out of 5 based on 11,378 reviews

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Cheapest car insurance quotes 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 $153 per month for liability-only insurance.

The below rates are estimated rates current as of: Wednesday, January 28 at 11:00 AM PST. 

Data reviewed by Konstantin Halachev

Konstantin HalachevVP of Engineering & Data Science

• 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	Avg. Quote With Clean Driving Record	Avg. Quote With Speeding Ticket
Auto-Owners	$71	$88
USAA	$72	$89
Chubb	$78	$94
National General	$109	$129
Safeco	$110	$138
Progressive	$121	$137
Bristol West	$134	$160
Direct Auto	$141	$168
Nationwide	$145	$179
State Farm	$148	$179
Liberty Mutual	$152	$184
Travelers	$171	$211
GEICO	$178	$222

Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ 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 quotes 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 $302 per month for a full-coverage policy.

The below rates are estimated rates current as of: Wednesday, January 28 at 11:00 AM PST. 

Data reviewed by Konstantin Halachev

Konstantin HalachevVP of Engineering & Data Science

• 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	Avg. Quote With Clean Driving Record	Avg. Quote With Accident
Auto-Owners	$71	$97
USAA	$72	$100
Chubb	$78	$107
National General	$109	$150
Safeco	$110	$160
Progressive	$121	$173
Bristol West	$134	$183
Direct Auto	$141	$200
Nationwide	$145	$202
State Farm	$148	$203
Liberty Mutual	$152	$210
Travelers	$171	$238
GEICO	$178	$240

Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ 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 quotes 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 insurers consider drivers with a DUI conviction to be higher risk (and they may even require an SR-22 certificate), drivers should expect to pay a higher premium.

Drivers with a DUI in Michigan pay a monthly average of $163 for liability-only insurance and $255 for full-coverage insurance.

You may have fewer coverage options with a DUI on your record, but some insurers still offer affordable quotes, as you can see below.

The below rates are estimated rates current as of: Wednesday, January 28 at 11:00 AM PST. 

Data reviewed by Konstantin Halachev

Konstantin HalachevVP of Engineering & Data Science

• 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	Avg. Quote With Clean Driving Record	Avg. Quote With DUI
Auto-Owners	$71	$95
USAA	$72	$96
Chubb	$78	$105
National General	$109	$146
Safeco	$110	$159
Progressive	$121	$146
Bristol West	$134	$180
Direct Auto	$141	$189
Nationwide	$145	$194
State Farm	$148	$198
Liberty Mutual	$152	$204
Travelers	$171	$229
GEICO	$178	$236

Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ 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 quotes for seniors: Auto-Owners

Senior drivers pay a little more for car insurance 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.^[3]

Senior drivers in Michigan pay an overall average of $152 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: Wednesday, January 28 at 11:00 AM PST. 

Data reviewed by Konstantin Halachev

Konstantin HalachevVP of Engineering & Data Science

• 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: Liability Only	Average Quote: Full Coverage
Auto-Owners	$43	$69
Chubb	$43	$69
USAA	$47	$76
National General	$67	$142
Nationwide	$82	$133
Safeco	$83	$145
State Farm	$86	$139
Progressive	$87	$138
Direct Auto	$91	$169
Bristol West	$92	$185
Liberty Mutual	$102	$156
GEICO	$109	$147
Travelers	$109	$176

Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ 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 quotes for teens: USAA

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).^[4]

A liability-only policy averages $212 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: Wednesday, January 28 at 11:00 AM PST. 

Data reviewed by Konstantin Halachev

Konstantin HalachevVP of Engineering & Data Science

• 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

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Insurance Company	Average Quote: Liability Only	Average Quote: Full Coverage
USAA	$124	$200
Auto-Owners	$134	$216
Chubb	$152	$246
Progressive	$190	$301
National General	$207	$437
Safeco	$208	$366
Bristol West	$223	$449
Liberty Mutual	$249	$379
Direct Auto	$256	$476
Nationwide	$266	$431
State Farm	$269	$434
GEICO	$298	$402
Travelers	$333	$540

Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ 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 rates across Michigan cities

While Michigan has some of the highest car insurance rates in the country, some Michigan cities may see cheaper car insurance rates than others. This is because insurance companies take your specific location into account while setting rates. Some areas may experience higher rates of theft or may have higher rates of claims, which can drive up rates in that area.

The table below shows the average cost of car insurance across several cities in Michigan.

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