Cheapest Full-Coverage Car Insurance in Michigan (2026)

Full-coverage insurance typically includes collision and comprehensive coverage. Collision coverage can help pay to repair your vehicle if you have an accident, regardless of fault. Comprehensive insurance can help cover repairs when something other than a collision, like weather or vandalism, damages your vehicle.^[1]

Michigan state law doesn’t require full-coverage insurance, but your lender may require it if you finance or lease your vehicle. Even if you don’t have to purchase it, this insurance provides financial protection.

Here’s how you can find the cheapest full-coverage insurance in Michigan.

Cheapest full-coverage car insurance in Michigan

The average cost of full-coverage car insurance in Michigan is $226 per month. Prices can vary greatly from one driver to another, so the best way to find the cheapest full-coverage car insurance for your situation is to compare quotes from multiple insurers.

Start your search for cheap full-coverage car insurance with the insurers below.

The below rates in Michigan are estimated rates current as of: Monday, April 13 at 5:00 PM PDT. 

Insurance Company	Average Monthly Quote: Full Coverage
Auto-Owners	$117
USAA	$118
Chubb	$128
Safeco	$194
Liberty Mutual	$231
National General	$235
Nationwide	$238
State Farm	$243
GEICO	$249
Bristol West	$277
Travelers	$281
Direct Auto	$292

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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What is full-coverage car insurance?

Full-coverage insurance isn’t a specific insurance type. Instead, full coverage is a term that refers to a bundle of coverages. It includes optional policies and Michigan’s required bodily injury liability, property damage liability, personal injury protection, and property protection insurance coverage.

Learn more about the following two coverages, which full-coverage policies always include.

Collision coverage

Collision insurance will help you pay for repairs to your car following damage from a collision with an object or another vehicle, regardless of fault. In Michigan, you can purchase limited collision coverage, which will only pay if you aren’t substantially at fault. This is a much cheaper form of collision coverage, but it provides limited protection.^[2]



Comprehensive coverage

If something other than a collision damages your car — such as theft, a falling object, animals, fire, flood, or vandalism — comprehensive insurance can help you pay for repairs.

Car insurance requirements in Michigan

As a no-fault state, Michigan requires all drivers to carry insurance that pays for their own damages and medical bills in a motor vehicle accident, regardless of fault.

All Michigan residents must have the following minimum car insurance coverages to legally drive a vehicle:

Personal injury protection (PIP)

If you have an accident-related injury, PIP insurance can help cover your medical costs, no matter who caused the accident. The default PIP insurance amount in Michigan is unlimited coverage, but you can select a lower coverage level.^[3]



Property protection insurance (PPI)

Property protection insurance can cover up to $1 million in damages your car does to another person’s property in Michigan.



Bodily injury liability

If you injure or kill someone in an accident and their PIP doesn’t cover all their medical care, your bodily injury liability insurance can cover their expenses and your legal defense. Michigan has a default coverage amount of $250,000 for each person hurt or killed in an accident and $500,000 per accident, but the state only requires a minimum of $50,000 per person and $100,000 per accident.^[4]



Property damage liability

This liability coverage will pay for property damage you cause with your vehicle when you’re driving outside of Michigan. You must carry a minimum of $10,000 of this coverage.

Though the default coverage limits may seem high — especially compared to the minimum mandated coverage limits — it may make sense to purchase a policy with more than minimum coverage. Having higher coverage limits will give you more financial protection in the event of an accident.

Is full-coverage car insurance worth it in Michigan?

Depending on where you live and the type of vehicle you drive, it may make sense to purchase full-coverage insurance in Michigan. This coverage can help pay for damages in the event of weather risks, car accidents, and more.

For example, Eastern Michigan faces weather risks year-round, including ice storms, high winds, thunderstorms, and even tornadoes. If you only carry minimum coverage, you’ll have to pay out of pocket to repair damages if a storm causes a tree to fall on your car. But full-coverage car insurance can help cover the remaining costs after you’ve paid your deductible.

Paying for this extra protection can help prevent you from having to deal with a significant financial problem.

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Pros and cons of having full-coverage car insurance

How to find cheap full-coverage car insurance in Michigan

Here are some strategies you can use to lower the cost of your full-coverage car insurance in Michigan.

• Compare rates. The best way to lower your insurance costs is to compare quotes from several different insurers. Insurance companies use a variety of factors to determine rates, such as your driving record, ZIP code, marital status, claims history, and credit history.

• Increase your deductible. Raising your deductible will lower your rates. Just be sure you can afford the bigger out-of-pocket payment if you need to make a claim.

• Bundle your policies. Purchasing your auto insurance and home or renters insurance policy from the same insurer can save you money on both policies.

• Ask about discounts. Many insurers offer discounts for things like built-in safety features on your car, paying your bill all at once, being a member of an affinity group, or signing up for telematics insurance.

Full-coverage car insurance in Michigan FAQs