120+ more*Quotes generated for Insurify users from Michigan within the last 10 days. Last updated on April 7, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users from Michigan within the last 10 days. Last updated on April 7, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
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12+ years in personal finance and insurance writing
Former financial analyst
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Media relations director for Insurance Information Institute
20+ years in insurance and communications
Impartial, independent expert
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7+ years experience in data analysis
Ph.D. in Computational Biology
Updated
The average cost of car insurance in Michigan is $132 per month for liability-only coverage and $226 per month for full coverage. These rates are higher than the national averages of $97 per month for liability only and $183 per month for full coverage.
USAA consistently offers the cheapest car insurance in Michigan across most driver categories, with rates averaging $67 per month for state-minimum coverage.
We’ve analyzed quotes from 120+ insurance companies operating in Michigan to help you find the best rates. Whether you need basic liability insurance or comprehensive coverage, comparing quotes from multiple companies can save you hundreds of dollars annually on your Michigan car insurance policy.
Driver Category  | Cheapest Insurance Company in Michigan | Cheapest Monthly Quote in MI |
|---|---|---|
| Overall | USAA | $67 |
| State-minimum coverage | USAA | $67 |
| Full coverage | Auto-Owners | $117 |
| Drivers with a clean record | USAA | $67 |
| After a speeding ticket | USAA | $83 |
| After an at-fault accident | USAA | $84 |
| After a DUI | USAA | $102 |
| Teen/new drivers | USAA | $115 |
| Seniors | USAA | $55 |
| Bad credit | USAA | $77 |
USAA offers the cheapest liability-only auto insurance in Michigan, at $67 per month, followed by Auto-Owners, at $67 per month.
Drivers in Michigan pay an average of $132 per month for liability-only insurance, which helps pay for the other party’s medical bills and property damage. It doesn’t cover your injuries or vehicle damage.
The table below shows the cheapest liability-only rates in Michigan from major insurance companies, according to Insurify data.
7+ years experience in data analysis
Ph.D. in Computational Biology
Insurance Company | Average Monthly Quote |
|---|---|
| Auto-Owners | $67 |
| USAA | $67 |
| Chubb | $73 |
| National General | $108 |
| Safeco | $111 |
| Liberty Mutual | $127 |
| Liberty Mutual | $127 |
| Nationwide | $136 |
| Bristol West | $138 |
| State Farm | $138 |
| Progressive | $139 |
| Direct Auto | $140 |
| Insurify Car | $154 |
| Travelers | $160 |
| GEICO | $165 |
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Anuj Desai
Anuj Desai | Digital Insurance Agent | Insurify, Insurify
Michigan is a no-fault state, meaning your own insurance pays for your medical expenses after an accident, regardless of who caused it. You can choose your coverage level, but make sure you understand what’s included so you don’t end up underinsured.
Auto-Owners offers the lowest rates for full-coverage car insurance in Michigan, at $117 per month. USAA is close behind, at $118 per month.
Michigan drivers pay an average of $226 per month for full coverage. This policy type combines higher liability limits with collision coverage and comprehensive insurance to protect your vehicle from accidents, theft, vandalism, and weather damage.[1]
Lenders require full coverage when you finance or lease a vehicle. The table below shows companies with the cheapest full-coverage rates in Michigan.
7+ years experience in data analysis
Ph.D. in Computational Biology
Insurance Company | Average Monthly Quote |
|---|---|
| Auto-Owners | $117 |
| USAA | $118 |
| Chubb | $128 |
| Safeco | $193 |
| Liberty Mutual | $232 |
| Liberty Mutual | $232 |
| National General | $235 |
| Nationwide | $238 |
| State Farm | $243 |
| GEICO | $249 |
| Bristol West | $278 |
| Travelers | $281 |
| Direct Auto | $291 |
*Quotes generated for Insurify users from Michigan within the last 10 days. Last updated on April 7, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users from Michigan within the last 10 days. Last updated on April 7, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
Finding affordable coverage in Michigan requires comparing quotes from multiple companies, as rates vary significantly between the state’s urban and rural areas.
Michigan’s no-fault insurance system also affects how each insurer sets its prices.[2] We’ve identified the best car insurance companies in Michigan based on affordability, coverage options, and customer satisfaction ratings specific to Michigan drivers.
| User Reviews | 4.3 |
|---|---|
| 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. | $67/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. | $117/mo |
Auto-Owners's score | Industry average | |
|---|---|---|
| Coverage options | 4.0 | 3.2 |
| Customer service | 3.5 | 3.6 |
| Discounts | 3.6 | 2.9 |
| Policy transparency | 3.9 | 3.1 |
| Value | 3.5 | 2.9 |
Customers appreciate the friendly service and quick claims process but dislike the constant rate increases and perceived inflexibility in pricing.
Auto-Owners offers Michigan drivers some of the lowest average car insurance rates. Operating through independent insurance agents, this Michigan-based company offers policyholders several add-on coverages, including gap insurance, accident forgiveness, and a deductible waiver in certain instances.
Some of the lowest rates in Michigan
Best prices for various driver profiles
Many available coverages
Can’t get a quote online
Below-average customer satisfaction ranking in Michigan
No online or mobile app claims
| User Reviews | 3.7 |
|---|---|
| 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. | 7.1 /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. | $73/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. | $128/mo |
Chubb offers Michigan drivers with speeding tickets some of the most competitive rates. Like Auto-Owners, Chubb works with independent agents to provide coverage.
Information about Chubb’s auto insurance is sparse. But the company offers rental car reimbursement up to $15,000, lost key fob replacement, and up to $10 million in liability and uninsured/underinsured motorist coverage.
Competitive rates for drivers with speeding tickets
Original manufacturer parts coverage
High liability and UM/UIM coverage limits available
Can’t get a quote online
Home insurance required for auto coverage
Higher premiums for drivers without violations
| User Reviews | 4.9 |
|---|---|
| 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. | $67/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. | $118/mo |
USAA's score | Industry average | |
|---|---|---|
| Coverage options | 4.9 | 3.2 |
| Customer service | 4.9 | 3.6 |
| Discounts | 4.9 | 2.9 |
| Policy transparency | 4.9 | 3.1 |
| Value | 4.9 | 2.9 |
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.
Michigan is home to more than 435,000 veterans, and USAA is known as one of the cheapest car insurance companies for the military community. Offering some of the lowest average insurance rates, USAA is available exclusively to active-duty military members, veterans, and their families.
In addition to offering special discounts, USAA consistently receives high customer satisfaction ratings.
Low rates
High customer and claims satisfaction ratings
Special discounts for military members
Restricted to military members, veterans, and their families
Fewer discounts than competitors
Few optional coverages
Average car insurance costs in Michigan increased 12% in 2025 despite a national 6% decline. The state’s annual average full-coverage premiums rose from $2,742 to $3,073 — driven by Michigan’s no-fault insurance system and high rate of uninsured drivers.
Insurify data scientists project Michigan insurance rates will stabilize in 2026, with only a modest 0.2% increase expected.
The following graph shows how average car insurance rates in Michigan have fluctuated over the last three years, reflecting significant changes for drivers in the Great Lakes State.
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Insurify partners with 120+ top insurers for real-time quotes
Michigan operates under a no-fault insurance system that requires all drivers to carry specific coverage types. The state’s minimum requirements include personal injury protection (PIP), property protection insurance (PPI), and residual bodily injury liability and property damage liability coverage.[3]
For PIP coverage, the state separates medical expenses from other costs, such as wage loss and funeral and burial expenses. The default medical PIP coverage is unlimited, but you can choose a lower amount or even opt out entirely based on your health coverage.
That said, coverage for other PIP expenses isn’t adjustable.
PPI covers damage to fixed property like buildings and fences within Michigan, while property damage liability protects you in accidents outside the state. Michigan also requires minimum property damage liability coverage for damage you cause in other states.
The table below shows Michigan’s coverage requirements.
Coverage Type | Minimum Coverage Limits |
|---|---|
| Medical personal injury protection | $50,000 (can opt out with proper coverage) |
| Other personal injury protection | Wage loss and household help for up to three years after an accident |
| Property protection insurance (in Michigan) | $1 million |
| Bodily injury liability | $50,000 per person/$100,000 per accident |
| Property damage liability (in other states) | $10,000 |
Detroit and Dearborn rank as Michigan’s most expensive cities for car insurance, with auto insurance rates significantly higher than the state average. Grand Rapids and Lansing have some of the lowest car insurance premiums among major cities in the Wolverine State.
Check out the table below for average auto insurance quotes across nine Michigan cities, according to Insurify data.
City | Average Monthly Quote |
|---|---|
| Ann Arbor | $156 |
| Dearborn | $343 |
| Detroit | $345 |
| Flint | $190 |
| Grand Rapids | $154 |
| Kalamazoo | $170 |
| Lansing | $157 |
| Rochester | $183 |
| Warren | $241 |
Insurify Car offers weekly car insurance starting at $23 per week for Michigan drivers who need short-term coverage. This liability-only policy lets you pay in seven-day increments with no long-term commitment and the flexibility to cancel anytime.
Insurify Car works well for infrequent drivers who want state-minimum coverage without a large up-front payment. You can get instant proof of insurance and manage your policy entirely through your phone, with auto-pay or manual payment options available.
Michigan drivers with a clean driving record have the lowest insurance rates, averaging $132 per month for liability coverage. The table below shows the car insurance companies with the cheapest rates for drivers with no violations in Michigan.
7+ years experience in data analysis
Ph.D. in Computational Biology
Insurance Company | Average Monthly Quote |
|---|---|
| Auto-Owners | $62 |
| USAA | $62 |
| Chubb | $65 |
| National General | $95 |
| Safeco | $113 |
| Nationwide | $124 |
| Liberty Mutual | $127 |
| Liberty Mutual | $127 |
| State Farm | $128 |
| Direct Auto | $128 |
| Bristol West | $130 |
| Progressive | $132 |
| Travelers | $147 |
| Insurify Car | $147 |
| GEICO | $155 |
In Michigan, driving 11–15 miles over the speed limit carries a $135 fine and up to three points against your license. Drivers with a speeding ticket in Michigan pay an average of $153 per month for liability insurance.
The following table shows insurers with the cheapest liability rates for Michigan drivers with a speeding ticket on their driving history, based on Insurify data.
7+ years experience in data analysis
Ph.D. in Computational Biology
Insurance Company | Average Monthly Quote |
|---|---|
| USAA | $83 |
| Auto-Owners | $84 |
| Chubb | $90 |
| National General | $130 |
| Safeco | $141 |
| Liberty Mutual | $156 |
| Liberty Mutual | $156 |
| Progressive | $161 |
| Bristol West | $168 |
| State Farm | $169 |
| Direct Auto | $169 |
| Nationwide | $170 |
| Insurify Car | $179 |
| Travelers | $200 |
| GEICO | $208 |
Michigan’s no-fault system means that your own insurance pays for your medical expenses after an accident, regardless of who caused it. But an at-fault accident still affects your rates.
Drivers in Michigan with an at-fault accident on their record pay an average rate of $150 per month for a liability policy.
The table below shows quotes from insurers with affordable rates for Michigan drivers with an at-fault car accident.
7+ years experience in data analysis
Ph.D. in Computational Biology
Insurance Company | Average Monthly Quote |
|---|---|
| Auto-Owners | $82 |
| USAA | $84 |
| Chubb | $90 |
| National General | $134 |
| Safeco | $144 |
| Liberty Mutual | $157 |
| Liberty Mutual | $157 |
| Progressive | $158 |
| Bristol West | $169 |
| State Farm | $170 |
| Nationwide | $171 |
| Insurify Car | $175 |
| Direct Auto | $178 |
| Travelers | $201 |
| GEICO | $201 |
In Michigan, a first-time DUI — known in Michigan as operating while intoxicated (OWI) — can result in a $500 fine, up to 93 days in jail, and a license suspension of up to 180 days.[4] High-risk drivers with a DUI pay an average of $213 per month for liability-only coverage.
The following table shows companies with some of the more affordable rates after a DUI in Michigan.
7+ years experience in data analysis
Ph.D. in Computational Biology
Insurance Company | Average Monthly Quote |
|---|---|
| Auto-Owners | $102 |
| USAA | $102 |
| Chubb | $111 |
| National General | $165 |
| Safeco | $179 |
| Liberty Mutual | $194 |
| Liberty Mutual | $194 |
| Nationwide | $207 |
| Bristol West | $211 |
| State Farm | $211 |
| Direct Auto | $214 |
| Progressive | $224 |
| Travelers | $244 |
| Insurify Car | $248 |
| GEICO | $250 |
After an OWI conviction, a license suspension, or a conviction for driving without insurance, you’ll need an SR-22 certificate. An SR-22 proves you have insurance and is typically required for three years.
In Michigan, USAA has some of the lowest average SR-22 rates.
The table below shows cheap rates for Michigan drivers who need an SR-22 form, according to Insurify data.
7+ years experience in data analysis
Ph.D. in Computational Biology
Insurance Company | Average Monthly Quote |
|---|---|
| Auto-Owners | $77 |
| USAA | $77 |
| Chubb | $84 |
| National General | $124 |
| Safeco | $127 |
| Liberty Mutual | $146 |
| Liberty Mutual | $146 |
| Nationwide | $156 |
| Bristol West | $158 |
| State Farm | $158 |
| Progressive | $160 |
| Direct Auto | $161 |
| Insurify Car | $177 |
| Travelers | $184 |
| GEICO | $189 |
Check quotes from 120+ top insurance companies
In Michigan, distracted driving crash rates are almost twice as high among teen drivers as for drivers older than 21.[5] A liability-only policy for teen drivers in Michigan averages $206 per month. Ask about car insurance discounts for teen drivers, such as good student or safe driving discounts, to help lower your rate.
The companies in the table below have some of the cheapest liability-only rates for teen drivers in Michigan.
7+ years experience in data analysis
Ph.D. in Computational Biology
Insurance Company | Average Monthly Quote |
|---|---|
| USAA | $115 |
| Auto-Owners | $128 |
| Chubb | $141 |
| National General | $202 |
| Liberty Mutual | $207 |
| Liberty Mutual | $207 |
| Safeco | $211 |
| Progressive | $217 |
| Bristol West | $227 |
| Insurify Car | $240 |
| Nationwide | $248 |
| State Farm | $251 |
| Direct Auto | $254 |
| GEICO | $278 |
| Travelers | $313 |
Michigan has more than 1.5 million drivers who are 65 or older.[6] Seniors in their 60s typically pay lower rates than younger drivers, as they have years of driving experience and tend to be more cautious.
Liability coverage for Michigan seniors averages $116 per month.
The table below shows companies with the cheapest rates for senior drivers across Michigan.
7+ years experience in data analysis
Ph.D. in Computational Biology
Insurance Company | Average Monthly Quote |
|---|---|
| Auto-Owners | $53 |
| USAA | $55 |
| Chubb | $56 |
| National General | $86 |
| Safeco | $98 |
| Nationwide | $105 |
| Liberty Mutual | $107 |
| Liberty Mutual | $107 |
| State Farm | $110 |
| Direct Auto | $116 |
| Bristol West | $116 |
| Progressive | $122 |
| Travelers | $129 |
| GEICO | $133 |
| Insurify Car | $135 |
Michigan law restricts how insurance companies use your credit history when setting car insurance rates.[7]
More specifically, insurers can’t use credit information or insurance scores to deny, cancel, or refuse to renew policies. But insurers can use it to determine premium installment payment options and availability.
Michigan drivers with poor credit pay an average of $145 per month for liability-only coverage. In contrast, drivers with good credit pay an average of $109 per month for liability insurance.
Here’s a look at insurers with the lowest liability rates for Michigan drivers with poor credit.
7+ years experience in data analysis
Ph.D. in Computational Biology
Insurance Company | Average Monthly Quote |
|---|---|
| USAA | $77 |
| Auto-Owners | $95 |
| Chubb | $111 |
| National General | $125 |
| Safeco | $129 |
| Liberty Mutual | $143 |
| Liberty Mutual | $143 |
| Progressive | $153 |
| Nationwide | $158 |
| Bristol West | $160 |
| Direct Auto | $163 |
| Insurify Car | $170 |
| Travelers | $186 |
| State Farm | $189 |
| GEICO | $192 |
Liability quotes start at $67/mo.
In Michigan, USAA has the cheapest liability insurance, Insurify data shows, with monthly premiums averaging $67.
It depends on where you live. At $179 per month, Michigan car insurance rates tend to be higher than the national average. Full coverage averages $226 per month, and a liability-only policy averages $132 per month.
In Michigan, the lowest level of car insurance coverage is $50,000 per person and $100,000 per accident for bodily injury coverage, $10,000 for property damage in another state, and $1 million for property protection (PPI). Personal injury protection (PIP) defaults to unlimited coverage, although cheaper insurance options are available based on your health coverage.
Michigan auto insurance is expensive due to the state’s high rate of uninsured drivers and its no-fault insurance system, which means your insurance pays for your medical expenses regardless of fault.
No. While insurers can consider your credit when deciding which payment options to offer, they can’t use your credit history to deny you coverage.
Insurify data scientists analyzed more than 190 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:
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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12+ years in personal finance and insurance writing
Former financial analyst
Media relations director for Insurance Information Institute
20+ years in insurance and communications
Impartial, independent expert
7+ years experience in data analysis
Ph.D. in Computational Biology
At Insurify, our goal is to help customers compare insurance products and find the best policy for them. We strive to provide open, honest, and unbiased information about the insurance products and services we review. Our hard-working team of data analysts, insurance experts, insurance agents, editors and writers, has put in thousands of hours of research to create the content found on our site.
We do receive compensation when a sale or referral occurs from many of the insurance providers and marketing partners on our site. That may impact which products we display and where they appear on our site. But it does not influence our meticulously researched editorial content, what we write about, or any reviews or recommendations we may make. We do not guarantee favorable reviews or any coverage at all in exchange for compensation.
