Cheap Full-Coverage Car Insurance in Michigan (2026)
Michigan drivers can find the cheapest full-coverage car insurance from Auto-Owners, with an average rate of $117 per month.
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Elizabeth RivelliFreelance Insurance Writer
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Katie PowersLicensed P&C Agent, Senior Insurance Editor
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Reviewed byMacKenzie Korris
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MacKenzie KorrisLicensed P&C Agent, Insurance Copy Editor
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10+ years editing experience
NPN: 21630969
Updated
Why you can trust Insurify: Comparing accurate insurance quotes should never put you at risk of spam. We earn an agent commission only if you buy a policy based on our quotes. Our editorial team follows a rigorous set of editorial standards and operates independently from our insurance partners. Learn more.
Quick Facts
The average full-coverage rate in Michigan is $227 per month.
Michigan drivers pay higher insurance rates than the national average.
Auto-Owners has the cheapest full-coverage car insurance in Michigan.
Cheapest full-coverage car insurance in Michigan
The average cost of car insurance in Michigan is $227 per month for full coverage. Auto-Owners has the cheapest average full-coverage rates in the state, at $117 per month.
In the table below, you can find the cheapest full-coverage car insurance quotes in Michigan.
The below rates in Michigan are estimated rates current as of: Monday, August 10 at 5:00 PM PDT.
Insurance Company | Average Monthly Quote: Full Coverage |
|---|---|
| Auto-Owners | $117 |
| USAA | $118 |
| Chubb | $128 |
| Progressive | $165 |
| Safeco | $194 |
| Liberty Mutual | $232 |
| National General | $233 |
| GEICO | $242 |
| State Farm | $242 |
| Bristol West | $271 |
| Allstate | $272 |
| Travelers | $280 |
| Direct Auto | $294 |
Disclaimer: Table data sourced from real-time Michigan car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Michigan may vary based on the policy buyer's unique driver profile.
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Full-coverage policies average $227/mo.
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How much is full-coverage insurance in Michigan?
Drivers in the Great Lakes State pay an average monthly rate of $227 for full-coverage car insurance. Full-coverage insurance premiums in Michigan are higher than the U.S. national average of $187 per month.
Full-coverage auto insurance rates in Michigan depend on a variety of factors, including:[1]
City and ZIP code
Age
Vehicle type
Annual mileage
Driving record
Coverage limits
Credit history
Deductibles
How to find cheap full-coverage car insurance in Michigan
Below are a few ways that drivers can get cheap car insurance in Michigan:
Increase your deductibles. Choosing higher deductibles for collision coverage and comprehensive coverage can reduce your monthly premium.
Compare quotes. Comparing car insurance quotes in Michigan makes it easy to see which insurer can offer you the lowest price for your driver profile and coverage needs.
Look for discounts. Many Michigan car insurance companies offer good student discounts, defensive driving course discounts, safe vehicle discounts, and other discounts that can help you save on full-coverage insurance.
Bundle your auto and home insurance. Some of the best car insurance companies in Michigan offer generous discounts for bundling your auto policy with home insurance or renters insurance.
What full-coverage car insurance covers
Full coverage isn’t a policy type. In Michigan, you’re required to have no-fault coverage plus optional protection for your vehicle. The mandatory no-fault policy won’t pay to repair your car in case of an accident, but it will pay when your car is properly parked, and someone hits it. The other driver’s no-fault coverage covers the damage.[2]
In addition to the legally required coverages, a full-coverage policy often includes the following:
Collision coverage
Collision insurance pays for repairs to your car after an accident. You can choose from limited, standard, or broad form collision insurance. Each differs in what it covers.
Comprehensive coverage
Comprehensive insurance covers your car if it’s stolen or damaged by animals colliding with it, or by non-collision events like theft, vandalism, hail, and flooding.
Optional coverages
Mini-tort coverage: If you’re 50% or more at fault in an accident that causes damage to another car (that’s not covered by insurance), you can get up to $3,000.
Uninsured motorist insurance: If a driver hits you and they don’t have car insurance, uninsured motorist coverage can cover your losses. This type of coverage is valuable because nearly 20% of Michigan drivers are uninsured, according to the Insurance Information Institute.
Michigan requires drivers to carry a minimum amount of auto insurance to register their vehicles and legally drive. The state minimum car insurance requirements in Michigan include:
Bodily injury liability coverage: Covers your financial responsibilities when you cause an accident that injures another person. The minimum limits in Michigan are $50,000 for one person’s injuries and $100,000 for all injuries in a crash. Michigan defaults to $250,000/$500,000 unless an insurer or agent provides a disclosure form explaining the options, including the lower limits.[3]
Property damage liability coverage: Pays to repair or replace another person’s property, like a vehicle, fence, or mailbox, if you cause a crash outside of Michigan. Drivers are required to have at least $10,000 in coverage per accident.
Property protection insurance (PPI): If you damage another person’s property with your vehicle in Michigan, PPI covers your financial responsibilities. A minimum coverage policy provides up to $1 million in PPI.
Personal injury protection (PIP): If you get injured in an accident, regardless of fault, PIP insurance covers your medical bills, lost wages, and replacement services up to three years after the date of the accident. Most drivers can choose from six PIP limits ranging from $250,000 to unlimited coverage. You can also opt out of PIP, but the insured must have coverage under Medicare Parts A and B, and their spouse or relatives living with them must have qualified health coverage.
Insurance professionals typically recommend purchasing higher coverage limits than what’s legally required. If you cause an accident in Michigan, a minimum-coverage policy may not cover your liabilities in full, which could leave you exposed to lawsuits.
Minimum vs. full-coverage car insurance in Michigan
Minimum-coverage insurance is required in Michigan, but many drivers can benefit from a full-coverage policy. Because full-coverage auto insurance provides more financial protection, it usually has a higher premium.
Full coverage can be a good idea if you own a new car or can’t afford to pay for repairs out of pocket. If you lease or finance your car, most lenders require full coverage. But if your car is older and has depreciated, or if you can’t afford the higher premium, full coverage may not be necessary.
Below is a side-by-side comparison of minimum versus full-coverage insurance.
Factor | Liability Only | Full Coverage |
|---|---|---|
| Average cost in Michigan | $129 | $227 |
| Covers damage to your own car | No | Yes |
| Covers damage to other car | Yes | Yes |
| Covers theft | No | Yes |
| Required for a lease/loan | No, full coverage is required | Yes |
Disclaimer: Table data is based on real-time Michigan quotes from Insurify’s network of 500+ insurance partners. Actual rates may vary depending on the policyholder’s individual profile and coverage needs.
Is full-coverage car insurance worth it in Michigan?
Even though Michigan is a no-fault state, full-coverage insurance is worth the investment for many drivers. If you have liability-only insurance, you won’t have any protection for your vehicle if it gets damaged in an accident or stolen.
For example, say you’re driving on Interstate 94 through Ann Arbor early in the morning, and you hit a deer. The front end of your car is badly damaged, and your insurer determines that it’s totaled. In this case, the comprehensive portion of a full-coverage policy would provide a payout to buy a new car. Without full coverage, you’d have to pay for a new car out of pocket.
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Pros and cons of full-coverage car insurance in Michigan
Like all types of insurance, full-coverage car insurance has pros and cons. Consider the following before you purchase full coverage in Michigan:
Pros
Pays for repairs to your own car after an at-fault accident
Comprehensive coverage protects against theft, fire, flooding, and animal collisions
Can cover your losses if an uninsured or underinsured driver hits you
Cons
Higher premium than minimum coverage
Typically requires a deductible
Might not be worth the higher rate if you have an older vehicle
Full-coverage car insurance in Michigan FAQs
If you’re shopping for the best car insurance in Michigan for full coverage, the additional information below can be helpful as you compare policies.
How much does full-coverage car insurance cost in Michigan?
The average car insurance cost in Michigan is $227 per month for full coverage, or $2,719 per year. But rates depend on factors like your ZIP code, vehicle type, driving history, and insurance company.
What company has the cheapest full-coverage insurance in Michigan?
Auto-Owners has the cheapest full-coverage car insurance in Michigan, with an average rate of $117 per month, which is well below the statewide average.
How can you find affordable full-coverage car insurance in Michigan?
To get affordable full-coverage insurance in Michigan, you can look for discounts, increase your deductibles, bundle your auto insurance with home or renters insurance, and compare rate quotes from several insurers.
What is the cheapest auto insurance for teens and young drivers in Michigan?
USAA is the cheapest car insurance company in Michigan for teens, based on Insurify quote data. USAA’s average monthly full-coverage rate for teens is $204.
Sources
- Michigan Department of Insurance and Financial Services. "Michigan’s Auto Insurance Law Has Changed."
- Michigan Department of Insurance and Financial Services. "Brief Explanation of Michigan No-Fault Insurance."
- Michigan.gov. "Choosing Bodily Injury Coverage."
Methodology
Insurify data scientists analyzed more than 250 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 500+ 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
- 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.
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Elizabeth RivelliFreelance Insurance Writer
5+ years writing insurance and personal finance topics
Auto, home, health, and life insurance expertise
Featured in
Katie PowersLicensed P&C Agent, Senior Insurance Editor
Licensed auto and home insurance agent
4+ years experience in insurance and personal finance editing
NPN: 20564519
Featured in
MacKenzie KorrisLicensed P&C Agent, Insurance Copy Editor
Licensed property and casualty insurance agent
10+ years editing experience
NPN: 21630969