Cheapest Auto Insurance in Grand Rapids, Michigan (2024)

Auto-Owners offers the cheapest car insurance in Grand Rapids, with minimum-coverage policies as low as $56 per month.

Erin Gobler
Written byErin Gobler
Erin Gobler
Erin Gobler
  • 5+ years of finance writing experience 

  • Certificate of financial planning from Boston University

Erin is a personal finance writer and journalist with work featured in major publications. Her writing explores investing, credit cards, mortgages, insurance, and more.

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Danny Smith
Edited byDanny Smith
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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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Updated May 23, 2024

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Cheapest recent rates near Grand Rapids, Michigan

Drivers using Insurify have found quotes as cheap as $47/mo for liability only and $102/mo for full coverage in Grand Rapids and other Michigan cities.

*Quotes generated for Insurify users in and around Grand Rapids, Michigan within the last 10 days. Last updated on May 23, 2024

Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from May 23, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

*Quotes generated for Insurify users in and around Grand Rapids, Michigan within the last 10 days. Last updated on May 23, 2024

Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from May 23, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

Grand Rapids drivers pay an average of $150 per month for liability insurance, compared to the state average of $182 and the national average of $104. Michigan generally has high insurance premiums compared to the rest of the country.

A comparatively lower number of accidents — 562 in 2022 — for the city’s population size of nearly 200,000 may contribute to Grand Rapids’ relatively lower car insurance costs.[1]

Even with Michigan’s high car insurance rates, Grand Rapids drivers have plenty of ways to save money on car insurance, including comparing car insurance quotes, maintaining a clean driving record, and taking advantage of discounts offered by insurance companies.

Quick Facts
  • Auto-Owners, USAA, and Chubb offer the cheapest liability insurance in Grand Rapids.

  • The average cost of full-coverage insurance in Grand Rapids is $299. This is less than the state average of $338 but more than the national average of $215 per month for full-coverage insurance.

  • Michigan is a no-fault insurance state, which means your insurer has to cover your own medical expenses and related losses after a car accident, regardless of fault. This increases average insurance costs.

3 of the cheapest car insurance companies in Grand Rapids

While Grand Rapids drivers have many car insurance companies to choose from, you should always consider your budget, driving record, and coverage needs when comparing insurance company options.

The companies below all provide highly-rated insurance coverage at some of the best prices in Grand Rapids. The quotes included below reflect statewide average costs in Michigan.

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
Chubb3.2$122$71Premium coverage
Auto-Owners4.3$112$65Affordable rates
USAA4.7$113$66Military families
  • Our editorial team spent 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. 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.

    We rate each company on a 1 to 5 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. We update ratings once a year or as more recent information becomes available.

    • Third-party financial ratings: We use 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 20,000 customer reviews across 155 car insurance companies. We also considered 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 United States, 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 identified the number of states in which insurers offer coverage and company size by market share to score availability and reach.

Best insurer for premium coverage: Chubb

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.
3.2
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++
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.
$61/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.
$106/mo

Chubb is a popular insurance company for luxury car drivers and people who want premium coverage. And while it’s often a more expensive insurer, it has some of the cheapest rates for Grand Rapids drivers.

Pros
  • Cheap monthly premiums

  • Few customer complaints

  • Premium coverage options

Cons
  • No online quotes

  • No discounts listed

  • Few local agents

Read our Chubb review
Troy - October 6, 2021
Verified

Good

They are great to deal with, just expensive.

James - June 3, 2019
Verified

Slow, non-responsive, and has pathetic support. There's an inability to pay all plans through one portal.

Slow, non-responsive, and has pathetic support. There's an inability to pay all plans through one portal.

Best insurer for affordable rates: 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.
4.3
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
837
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.
$56/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.
$97/mo

Auto-Owners ranks near the top of the list for overall customer satisfaction and has few customer complaints compared to competitors. That, combined with its low monthly premiums, makes it a great choice for Grand Rapids drivers.

Pros
  • Highly rated customer satisfaction

  • Few customer complaints

  • Lots of discounts

Cons
  • Below-average claims satisfaction

  • No online quotes

  • Not the best digital tools

Read our Auto-Owners review
James - May 14, 2024
Verified

Excellent

I'm quite satisfied, I'm just getting a quote from you.

Charles - May 14, 2024
Verified

Average

They're no different than any other company. They give a good price, then start raising your rates.

Duncan - May 11, 2024
Verified

Price Skyrocketed

They had very competitive pricing until 2024, but not after that.

Best insurer for military 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.
4.7
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
880
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.
$56/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.
$98/mo

If you or an immediate family member is a current or former military service member, you can get insurance through USAA. This company boasts low premiums and high customer satisfaction.

Pros
  • Highly rated customer satisfaction

  • Additional savings through SafePilot program

  • Offers many other financial services

Cons
  • Only available to current and former military members and their families

  • Must become a USAA member to get insurance

  • High number of customer complaints

Read our USAA review
Billy - May 22, 2024
Verified

USAA

The price became too expensive.

Stephanie - May 22, 2024
Verified

Customer Service Review

The customer service is always professional and helpful. I am thankful for the great people they employ.

Richard - May 21, 2024
Verified

No

Good company.
Top 10 Cheapest Car Insurance Companies for May 2024

Top 10 Cheapest Car Insurance Companies for May 2024

How to get the cheapest car insurance in Grand Rapids

If you’re looking to save money on your car insurance premiums in Grand Rapids, you have plenty of options. Here are a few ways to reduce your insurance premiums:

  • Compare quotes. Get quotes from multiple companies to see which offers the lowest premium for the coverage and customer service you need.

  • Bundle home and auto policies. Many insurance companies offer a discount when you bundle your auto insurance with a home or renters insurance policy.

  • Take advantage of discounts. Common insurance discounts include those for clean driving records, having certain vehicle safety features, setting up automatic payments, and more.

  • Increase your credit score. The better your credit score, the cheaper your insurance premiums will be.

  • Raise your deductible. Generally speaking, the higher your deductible, the lower your premiums will be, and vice versa.

Find Cheap Car Insurance in Grand Rapids

Liability rates start as low as $56 per month

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Cheapest liability-only car insurance in Grand Rapids: Auto-Owners

Liability-only car insurance is generally the cheapest type of auto policy you can buy. Liability coverage pays for damages that result from an accident where you’re at fault, covering injuries to others and damage to other people’s property.

It’s important to note that, unlike most states, Michigan doesn’t allow drivers to carry just liability coverage since the state’s minimum coverage is higher than most. In Grand Rapids, the average cost of liability coverage is $150 per month.

The below rates are estimated rates current as of: Thursday, May 23 at 12:00 PM PDT
Insurance CompanyAverage Monthly Quote
Auto-Owners56
USAA56
Chubb61
Safeco84
GEICO86
Progressive106
Nationwide114
State Farm116
Direct Auto129
Travelers135
Bristol West160
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 Grand Rapids: Auto-Owners

While liability coverage pays for damage to other people and their property, full-coverage car insurance also pays for damage to your own vehicle, regardless of who was at fault. Michigan doesn’t require full coverage, but it’s a good idea for most drivers.

You should carry full coverage if you have a valuable vehicle, still have a loan or lease on your car, or wouldn’t be able to replace it out of pocket if it were totaled. The monthly average cost of full coverage in Grand Rapids is $299.

The below rates are estimated rates current as of: Thursday, May 23 at 12:00 PM PDT
Insurance CompanyAverage Monthly Quote
Auto-Owners97
USAA98
Chubb106
Safeco137
GEICO148
Progressive158
Nationwide198
State Farm202
Travelers234
Direct Auto263
Bristol West283
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’s minimum insurance requirements are higher than in many other states. While most states only require liability insurance, Michigan requires liability insurance, personal injury protection, and property protection insurance.

Here’s what those three coverages do:

  • Personal injury protection (PIP) pays for the policyholder’s medical bills and related expenses, including lost wages. Each policyholder’s PIP pays for their own expenses after a car accident, regardless of who was at fault.

  • Property protection insurance (PPI) pays for damages a policyholder’s vehicle does to other people’s property. It doesn’t pay for damage to other vehicles except for properly parked vehicles.

  • Residual liability insurance (BI/PD) pays for damages to other people and their property when a policyholder is at fault for an accident. The required bodily injury insurance pays for injuries to others, while the property damage liability insurance pays for damage to other property in another state.[2]

CoverageMinimum Requirements
Personal injury protection

One of the following:

  • Unlimited coverage
  • $500,000 per person per accident
  • $250,000 per person per accident
  • $250,000 per person per accident with exclusions (only available when drivers have qualified health coverage)
  • $50,000 per person per accident (only available when drivers are enrolled in Medicaid)
  • No coverage (only available to drivers enrolled in Medicare Parts A and B)
Property protection insurance$1 million
Bodily injury liability$250,000 per person / $500,000 per accident
Property damage liability$10,000 for damage in another state

The coverages listed above are the only ones required in Michigan. But other optional coverages can protect you from financial losses. Here are a few you may want to consider:

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

    Collision coverage

    Collision coverage pays for damage to your vehicle after an accident, regardless of who’s at fault. It could be an accident with another vehicle or an object like a tree or a telephone pole.

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

    Comprehensive coverage

    Comprehensive coverage pays for damage to your vehicle caused by something other than an accident, including theft, vandalism, inclement weather, and more.

  • illustration card https://a.storyblok.com/f/162273/x/db598219e3/damage-from-aircraft.svg

    Property damage liability coverage

    Known as “mini-tort” insurance, this provides additional liability insurance.

  • illustration card https://a.storyblok.com/f/162273/100x100/9997698e9e/emergency-roadside-service.svg

    Towing and rental car coverage

    This pays for roadside assistance or a rental car if your car breaks down or you experience a covered event.

Michigan no-fault insurance

illustration card https://a.storyblok.com/f/162273/150x150/fce1d8372a/states_michigan.svg

No-fault insurance

Michigan is one of a handful of states with no-fault insurance, meaning that each driver carries insurance to pay for their own injuries after an accident. Most other states require the at-fault driver’s insurance coverage to pay for all damages.

One of the characteristics of Michigan’s no-fault law is that insured drivers can’t be sued after an accident, except in certain extreme situations. In those situations where a driver can be sued, their residual liability insurance would pay for the damages.

The situations where Michigan’s no-fault law allows an injured party to sue an insured at-fault driver include:

  • An accident in which someone was killed, seriously injured, or permanently disfigured

  • An accident with a non-resident driving a vehicle not registered in Michigan

  • An accident that took place in another state

  • An accident where one driver was at least 50% at fault and the not-at-fault driver doesn’t have insurance (up to $3,000 of coverage)

Cheapest car insurance for drivers with an incident

Your driving record is an essential factor insurance companies consider when setting your insurance premiums. Incidents like speeding tickets, driving under the influence, and at-fault accidents show insurance companies that you’re a higher-risk driver, which often causes them to increase insurance rates.

The average cost of car insurance for Grand Rapids drivers with a past incident is $184 per month for liability coverage and $367 for full-coverage insurance.

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Cheapest car insurance for drivers with a speeding ticket: USAA

If you get a speeding ticket, your premiums will likely increase. The amount depends on several factors, including your insurer’s policies, the speed you were driving, and whether you have previous speeding tickets on your record.

Grand Rapids drivers with a speeding ticket face an average monthly cost of $182 for liability-only coverage. Below, you can find some of the city’s cheapest liability insurance options for drivers with speeding tickets.

The below rates are estimated rates current as of: Thursday, May 23 at 12:00 PM PDT
Insurance CompanyClean Driving RecordWith Speeding Ticket
Auto-Owners5667
USAA5666
Chubb6173
Safeco84101
GEICO86102
Progressive106126
Nationwide114137
State Farm116137
Direct Auto129155
Travelers135162
Bristol West160188
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: USAA

An at-fault accident will typically cause your insurance company to increase your premiums. When you cause an accident, your insurer has to pay for your claim, and you’ve shown that you’re a risky driver, indicating you may be more likely to file a claim in the future.

In Grand Rapids, drivers with at-fault accidents pay an average of $189 per month for liability auto insurance. Here are some of the lowest liability monthly quotes for drivers with an at-fault accident in the city.

The below rates are estimated rates current as of: Thursday, May 23 at 12:00 PM PDT
Insurance CompanyClean Driving RecordWith Accident
Auto-Owners5670
USAA5670
Chubb6177
Safeco84101
GEICO86108
Progressive106135
Nationwide114144
State Farm116144
Direct Auto129165
Travelers135170
Bristol West160196
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: USAA

Driving under the influence (DUI) is a very serious moving violation that can increase your insurance premiums significantly. In the immediate aftermath of a DUI, you’re likely to have your license suspended for anywhere from 180 days to a year, depending on the severity of the violation. You could even be subject to jail time.[3]

Once you can legally drive again, your insurance rates will almost certainly be higher than before the DUI. The average monthly cost of liability car insurance with a DUI on your license in Grand Rapids is $219. Here are some of the lowest car insurance quotes for drivers with a DUI in the city.

The below rates are estimated rates current as of: Thursday, May 23 at 12:00 PM PDT
Insurance CompanyClean Driving RecordWith DUI
Auto-Owners5688
USAA5688
Chubb6196
Safeco84132
GEICO86135
Progressive106166
Nationwide114179
State Farm116182
Direct Auto129203
Travelers135212
Bristol West160251
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

It’s common knowledge that young drivers pay higher insurance premiums, but you may be surprised to learn that senior drivers also pay higher premiums. Your insurance risk generally decreases over your lifetime if you’re a clean driver, but once you reach your 70s, your auto insurance risk rises, often resulting in higher premiums.[4]

Grand Rapids seniors pay an average of $132 per month for liability coverage and $264 for full coverage. Below are the average monthly car insurance quotes for seniors in the city.

The below rates are estimated rates current as of: Thursday, May 23 at 12:00 PM PDT
Insurance CompanyLiability OnlyFull Coverage
Auto-Owners4579
USAA4681
Chubb4781
Safeco70114
GEICO71122
Progressive79118
Nationwide88153
State Farm93162
Direct Auto103210
Travelers110190
Bristol West133234
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: USAA

Young drivers pay higher insurance premiums than any other drivers on the road. Teen drivers lack driving experience and maturity, which can make them more likely to engage in high-risk driving behaviors and get into an accident.[5]

On average, teen drivers in Grand Rapids pay $201 per month for liability-only coverage and $401 for full coverage.

But teens and young adults still have plenty of ways to save money on car insurance. Many insurers offer discounts for young drivers, including those for good students or young drivers who take driver safety courses. Teen drivers can also save money by staying on their parents’ insurance policy for as long as possible.

Below are the average insurance quotes for teens in the city.

The below rates are estimated rates current as of: Thursday, May 23 at 12:00 PM PDT
Insurance CompanyLiability OnlyFull Coverage
USAA80140
Auto-Owners84145
Chubb98171
GEICO115199
Safeco156255
Progressive167249
Nationwide168292
State Farm170296
Direct Auto206419
Travelers212367
Bristol West236417
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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Is car insurance more expensive in Grand Rapids?

The average monthly car insurance rates in Michigan — at $182 for liability and $338 for full coverage — are much higher than the national average. For comparison, the U.S. average rates are $104 per month for liability coverage and $215 for full-coverage insurance. Grand Rapids drivers pay higher rates than the national average but lower rates than the state average.

Grand Rapids drivers pay an average of $150 per month for liability insurance and $299 for full-coverage car insurance. Coverage in Grand Rapids is cheaper than rates in some other cities in the state. For example, drivers in Detroit pay much higher rates, likely due to increased levels of risk related to population density and vehicle theft rates.

More cities in Michigan

Insurance premiums can vary significantly, even within the state of Michigan. Different cities — and even different ZIP codes — might have higher rates due to more accidents, more vehicle theft and overall crime, more uninsured drivers, and other factors.

The table below shows average car insurance quotes in other Michigan cities.

CityLiability OnlyFull Coverage
Ann Arbor$149$282
Flint$209$378
Dearborn$291$466
Detroit$342$402
Kalamazoo$169$331
Lansing$149$293
Rochester$178$328
Warren$223$374
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.

Grand Rapids car insurance FAQs

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

  • How much is car insurance in Grand Rapids?

    Drivers in Grand Rapids pay an average of $299 per month for full-coverage insurance and $150 per month for liability coverage. Your exact rate will depend on your insurer, driving record, age, credit history, vehicle type, coverage level, and more.

  • Which company has the cheapest car insurance in Grand Rapids?

    Auto-Owners has the cheapest car insurance rates in Grand Rapids, at $56 per month for liability-only coverage. Grand Rapids drivers can also find cheap rates with USAA and Chubb, which have monthly liability rates of $56 and $61, respectively.

  • What are the best car insurance companies in Grand Rapids?

    Auto-Owners is the best car insurance company in Grand Rapids, with an Insurify Quality (IQ) Score of 4.3 out of 5 and an AM Best financial strength rating of A++ (Superior). The average cost of car insurance from Auto-Owners in Michigan is $65 per month for liability coverage and $112 for full-coverage insurance. Of the insurers Insurify has rate data for, other top Grand Rapids choices include Chubb and USAA.

  • What is Michigan’s minimum car insurance?

    Michigan drivers must carry at least $50,000 per person per accident in personal injury protection coverage, $250,000 per person and $500,000 per accident in bodily injury liability insurance, and $10,000 for property damage liability coverage. They also must carry $1 million in property protection insurance.

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. Michigan Traffic Crash Facts. "Data Query Tool."
  2. Michigan Department of Insurance and Financial Services. "Brief Explanation of Michigan No-Fault Insurance."
  3. Michigan State Police. "Impaired Driving Law."
  4. Insurance Institute for Highway Safety. "Older drivers."
  5. Centers for Disease Control and Prevention. "Teen Drivers and Passengers: Get the Facts."
  6. Michigan Department of Insurance and Financial Services. "MICHIGAN’S NEW AUTO INSURANCE LAW."
Erin Gobler
Erin Gobler

Erin Gobler is a personal finance writer and journalist based in Madison, Wisconsin. With more than five years of experience, Erin has covered topics such as investing, credit cards, mortgages, insurance, and more. Her work has been featured in major publications like Business Insider, Fox Business, and Time. Erin received her bachelor’s degree from the University of Wisconsin-Oshkosh in 2013, studying journalism and political science. She also received a certificate of financial planning from Boston University in 2022.

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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