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Quick Facts
  • The average cost of car insurance in Holland is $260 per month or $3,120 annually.

  • Car insurance in Holland is $129 less than the average cost of insurance in Michigan.

  • The cheapest car insurance provider in Holland on average is State Auto.

Car Insurance in Holland, MI

The average cost of full-coverage auto insurance in Michigan is around $389 per month or $4,673 annually. Holland’s average is significantly less, at $129 per month, but rates can vary greatly based on provider, so it’s always important to compare car insurance quotes before purchasing a policy.

Quotes by Top Companies

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.

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Cheap Car Insurance Michigan

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Cheapest Car Insurance in Holland, MI

What is the cheapest car insurance in Holland?

State Auto is the cheapest car insurance provider on average in Holland, with rates starting at $128 per month. It’s still important to compare car insurance rates, as everyone’s situation is different.

There is a large range of premium costs in Holland, depending on the insurer and your personal driving details, so you should always compare quotes to find your best personal rate. Insurify can help any driver confidently decide, with over 200 insurance companies in our network that can work with you to get the right policy for your budget.

Insurance CompanyAverage Monthly Quote
State Auto$128
Liberty Mutual$169
Bristol West$256
USA Underwriters$308
Everest National$326
Midvale Home & Auto$434
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.

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Minimum Car Insurance Requirements in Michigan

All motor vehicles operated or parked on Michigan roadways are required to be insured. Proof of insurance must be carried in your car at all times and must be available when:

  • Requested by law enforcement

  • Renewing vehicle registration

  • The vehicle is involved in a car accident

Michigan’s unique No Fault insurance program includes multiple levels of protection available depending on residents’ Medicare or Medicaid status and the insurance status of relatives.

The minimum required insurance levels for Michigan[1] are:

  • $50,000 per accident for PIP

Personal injury protection coverage, also referred to as PIP coverage, will cover the policyholder for medical payments they incur in the event of an accident. Depending on your plan, you may also receive non-medical benefits, compensating you for lost wages, household expenses, and even funeral costs.

  • $1,000,000 per accident for PPI

Property protection insurance, referred to as PPI coverage, is a type of coverage unique to Michigan. It acts similarly to traditional property damage insurance, but only applies to property damaged in accidents that occur within the state of Michigan.

The minimum liability insurance requirements for private passenger vehicles in Michigan are:

  • $250,000 per person for bodily injury

  • $500,000 per accident for bodily injury

As a major part of your liability insurance, bodily injury coverage covers medical bills for people other than the policyholder who are injured during an accident. Michigan is a no-fault state, meaning both parties’ insurance providers will pay for expenses, regardless of which party caused the accident.

  • $10,000 per accident for property damage

If it’s determined that an insured driver is at fault for an accident, this coverage pays for repairs to the property of the other involved parties. Additionally, property damage coverage can cover legal costs if the insured driver is involved in a lawsuit following the accident. In Michigan, this coverage only applies to out-of-state accidents.

Holland Car Insurance Rates by Driving and Accident History

Michigan is a no-fault insurance state, and the minimum required auto insurance in Michigan provides some coverage[2]. Still, it’s likely not enough to cover auto accident costs. This is reflected by at-fault accidents on a driver’s history skyrocketing the average monthly cost to $353 a month.

Driver HistoryAverage Monthly Cost
Clean Record$242
Speeding Ticket$324
At-Fault Accident$353
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.

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High-Risk Car Insurance Michigan

DUI Car Insurance Michigan

Holland Car Insurance Rates by Credit Tier

Insurance agencies often take credit history into account to evaluate risk factors in a potential client. However, Michigan is one of the few states that bans this practice in the interest of fairness[3]. Instead, insurers must determine premiums based on factors like driving history, location, and vehicle type.

How to Get the Cheapest Car Insurance in Holland

Since accidents are one of the leading factors for having higher rates, driving safely is paramount to keeping insurance rates affordable in Holland. Also, looking for budget-friendly providers and discounts such as bundling auto insurance with home insurance or renters insurance can keep costs down.

Comparing car insurance companies is another essential step in finding cheap coverage, but don’t waste time on the phone repeatedly answering the same questions from insurance agents. Use Insurify to get access to real and personalized quotes and compare different coverage options to find the best rates for your insurance needs.

Frequently Asked Questions

  • How do I find cheap car insurance in Holland, MI?

    While rates depend on many factors, the most affordable car insurance provider in Holland, on average, is State Auto, but you should always compare quotes. Find rates using Insurify with our network that includes over 200 insurance companies throughout the U.S. Insurify can work with you to get you the right auto insurance policy for your lifestyle.

  • How much does car insurance cost in Holland, MI?

    Holland’s average auto insurance quote is $260 per month or $3,120 annually. This rate is $129 less than Michigan’s average of $389 per month or $4,673 annually. Individual rates depend on factors like the age and gender of the driver, the year of the vehicle, and driving history.

  • What drives up car insurance rates in Holland, MI?

    By far, the most prominent factor that affects potential rates is a driver’s history. On average, an at-fault accident on a driver’s record can skyrocket the monthly cost of insurance coverage to $353 a month, and a DUI can push it up to $482 a month.

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Data scientists at Insurify analyzed more than 40 million real-time auto insurance rates from our partner providers across the United States to compile the car insurance quotes, statistics, and data visualizations displayed on this page. The car insurance data includes coverage analysis and details on drivers' vehicles, driving records, and demographic information. Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Service's database of auto insurance rates. With these insights, Insurify is able to offer drivers insight into how companies price their car insurance premiums.


  1. Michigan Department of Insurance and Financial Serices. "State Minimum Car Insurance Requirements." Accessed May 28, 2022
  2. Michigan Department of Insurance and Financial Services. "Insurance Information for Michigan Consumers." Accessed July 6, 2022
  3. "Consumer Protections." Accessed July 6, 2022
Jamie Vassar
Jamie VassarInsurance Writer

Jamie Vassar is a personal finance writer currently based out of the Midwest. After years in the customer service and support world, she now hopes to use her degree from the University of Nebraska, Omaha, to better help readers understand their insurance policies and matters of personal finance. Connect with Jamie on LinkedIn.