Cheapest Auto Insurance in Michigan (2025)

Michigan is one of the most expensive states for car insurance, Insurify data shows. Full-coverage policies cost $211 per month, or $2,531 per year, on average — the ninth-highest rate in the nation.

High state coverage requirements, severe winter weather, and a relatively high percentage of uninsured drivers all contribute to the high costs of insurance in the Great Lakes State.^[1]

You’ll need to compare quotes from multiple car insurance companies to find the best deal available. Maintaining a clean driving record can also help you find lower rates.

6 of the cheapest car insurance companies in Michigan

While you have plenty of options when choosing an insurance company, you’ll want to consider your needs, budget, and risks when finding the right fit for your family. The insurer with the lowest rates might not be the best fit.

As you research, consider the type of policy you want and whether you have unique circumstances (like a spotty driving record) that could affect your rates. Start your search with the insurers in the table below.

Compare quotesCompare	Compare quotesCompare	Compare quotesCompare	Compare quotesCompare	Compare quotesCompare	Compare quotesCompare
Average price Prices based on average across state-minimum and full coverage car insurance $88/mo*	Average price Prices based on average across state-minimum and full coverage car insurance $89/mo*	Average price Prices based on average across state-minimum and full coverage car insurance $121/mo*	Average price Prices based on average across state-minimum and full coverage car insurance $107/mo*	Average price Prices based on average across state-minimum and full coverage car insurance $205/mo*	Average price Prices based on average across state-minimum and full coverage car insurance $173/mo*
Overall rating 4.3 131 reviews	Overall rating 4.9 1,311 reviews	Overall rating 3.4 465 reviews	Overall rating 3.9 3,913 reviews	Overall rating 4.0 6,837 reviews	Overall rating 3.2 7,465 reviews
Value for money 3.5/5	Value for money 4.9/5	Value for money 2.7/5	Value for money 3.5/5	Value for money 3.8/5	Value for money 3.2/5
Customer service 3.4/5	Customer service 4.8/5	Customer service 2.3/5	Customer service 3.8/5	Customer service 4.0/5	Customer service 3.4/5
Claims handling 3.8/5	Claims handling 4.9/5	Claims handling 2.8/5	Claims handling 3.8/5	Claims handling 4.1/5	Claims handling 3.4/5
Special highlight AI-generated from 131 user reviews Cheap rates	Special highlight AI-generated from 1311 user reviews Members of the military community	Special highlight AI-generated from 465 user reviews Usage-based insurance	Special highlight AI-generated from 3913 user reviews Accident forgiveness	Special highlight AI-generated from 6837 user reviews Teen drivers	Special highlight AI-generated from 7465 user reviews Competitive rates

Data in this table has been sourced from Insurify’s users who have indicated they are insured with the listed providers

Insurance Company	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.	Average Quote: Full Coverage	Average Quote: Liability Only
Auto-Owners	8.2	$108	$67
USAA	9.1	$109	$68
GEICO	9.2	$232	$178

Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

• How Insurify rates insurance companies

  Our editorial team spent more than 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. The team weighted criteria 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 10 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. Insurify updates ratings once a year or as more recent information becomes available.

  • Third-party financial ratings: Insurify uses 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 55,000 customer reviews across 155 car insurance companies. We also consider 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 U.S., 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 scores availability and reach by identifying the number of states in which insurers offer coverage and company size by market share.

Auto-Owners

Compare Quotes

User Reviews	4.3 131 reviews
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.	$108/mo

Hide Details

Driver Reviews

4.3

Best choiceBased on 257 verified guest reviews and ratings

How drivers feel about Auto-Owners

Customers appreciate the friendly service and quick claims process but dislike the constant rate increases and perceived inflexibility in pricing.

AI-generated from the text of verified reviews collected by Insurify

Best For

Cheap rates

Senior drivers

Ample discounts

How drivers feel about Auto-Owners

Customers appreciate the friendly service and quick claims process but dislike the constant rate increases and perceived inflexibility in pricing.

AI-generated from the text of verified reviews collected by Insurify

Best For

Cheap rates

Senior drivers

Ample discounts

Reviews (131)

Eugene

Verified Review

Insurance Company Issues

Reviewed in Iowa on November 2025

Cannot get information from the company. You go through an agent, and they don't get back to you. If you ask for a change on the policy, they start a new policy, which increases the cost you have to pay.

Chick

Verified Review

Disappointed! Would rather have TALKED to an actual person!

Reviewed in Wisconsin on November 2025

It has been excellent! I just wanted to compare prices, but unfortunately, I insure 6 vehicles and your website doesn’t allow me to include them all!

Ron

Verified Review

For now, USAA is too far away

Reviewed in Georgia on November 2025

My current insurance is through a broker in the next town, and although they are higher than USAA, I like that I can go into their office, sit, ask questions, and look at the person giving me the answers. I'm not comfortable dealing online with a company far away. I haven't made my final decision, but if USAA was significantly cheaper, I would consider them, even though my current insurance is higher. I like that I can go into their office and talk face-to-face, so I need to make my decision quickly. I'm leaning towards staying with my current insurance so I have more time to research and see if I can get comfortable with USAA, which is miles away and requires doing everything online. Even if they have offices, like in Atlanta, it's 2.5 hours away, and Nashville is 4.5 or 5 hours away. My insurance broker is currently 9 miles from my house.

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Our Advice

JD Power

J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.

646

NAIC Index

Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.

0.46

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++

Why we picked this company

Headquartered in Lansing, Auto-Owners could be a good option for Michigan drivers who want to work with a local agent who knows the area. In addition to competitive rates, you can save with discounts, such as those for bundling policies, paying your premiums in full, and installing safety features in your vehicle.

Pros

• AM Best financial strength rating of A++ (Superior)

• Many available discounts and coverage options

Cons

• Available in only 26 U.S. states

• Below-average J.D. Power customer satisfaction rating in Michigan

USAA

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User Reviews	4.9 1,311 reviews
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.	$68/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.	$109/mo

Show Details

Driver Reviews

4.9

Best choiceBased on 2,405 verified guest reviews and ratings

How drivers feel about USAA

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.

AI-generated from the text of verified reviews collected by Insurify

Best For

Members of the military community

Outstanding customer service

Competitive rates

How drivers feel about USAA

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.

AI-generated from the text of verified reviews collected by Insurify

Best For

Members of the military community

Outstanding customer service

Competitive rates

Reviews (1,311)

Richard

Verified Review

Pricey Insurance for Seniors with Recent Claims

Reviewed in Minnesota on November 2025

Because of two claims in May-June 2024, my premium has skyrocketed. It sounds like they don't want senior citizens as policyholders, and I have been with USAA for over 55 years!

Tina

Verified Review

Tina's Warning

Reviewed in Oklahoma on November 2025

Do not go with USAA. They changed my amount from $97 to $160, saying their rates went up. To me, that sucks. The only way my rate should change that much is if I increased my coverage or lowered my deductible, but I didn't do any of those. Am I right? Still, it skyrocketed. I had to drop down to just liability on one vehicle. Don't use USAA.

Oscar

Verified Review

I'm just checking prices. Their service is great, but their prices match the service. Just checking prices and coverage. They go hand in hand.

Reviewed in Colorado on November 2025

I'm just checking prices. Their service is great, but their prices match the service. Just checking prices and coverage. They go hand in hand.

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Our Advice

JD Power

J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.

726

NAIC Index

Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.

1.31

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++

Why we picked this company

USAA exclusively works with active-duty military members, veterans, and their immediate family members, making it a good choice for the more than 5% of Michigan’s population who are veterans. In addition to multiple types of insurance, the company is a full-service financial institution that also has banking, retirement, and investing services.

Pros

• Savings of up to 30% with SafePilot program

• AM Best financial strength rating of A++ (Superior)

Cons

• No 24/7 live customer support

• Only active-duty military members, veterans, and their family members are eligible for coverage

GEICO

Compare Quotes

User Reviews	4.0 6,837 reviews
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.	9.2 /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.	$178/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.	$232/mo

Show Details

Driver Reviews

4.0

Best choiceBased on 13,203 verified guest reviews and ratings

How drivers feel about GEICO

Customers appreciate the reliability and customer service but find the rates to be high and increase frequently, even without claims or accidents. The app has improved, but some find the claims process lacking.

AI-generated from the text of verified reviews collected by Insurify

Best For

Teen drivers

Cheap rates

Accident forgiveness

How drivers feel about GEICO

Customers appreciate the reliability and customer service but find the rates to be high and increase frequently, even without claims or accidents. The app has improved, but some find the claims process lacking.

AI-generated from the text of verified reviews collected by Insurify

Best For

Teen drivers

Cheap rates

Accident forgiveness

Reviews (6,837)

Denise

Verified Review

Good

Reviewed in Washington on November 2025

It's been great when I needed roadside assistance and good when I needed to pay on a different date, but it went up $60 in a year. I feel like paying $160 a month for the coverage I get is a lot. To add more insurance, it goes up way too high. Other than that, I haven't had any problems.

Donna

Verified Review

Everything is fine, thank you

Reviewed in New York on November 2025

No problems, nice people to speak to.

Marianna

Verified Review

Superior Service and Pricing

Reviewed in Illinois on November 2025

Outstanding and best pricing of any carrier I have searched.

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Our Advice

JD Power

J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.

641

NAIC Index

Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.

0.59

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++

Why we picked this company

GEICO is one of the largest insurance companies in the U.S. by market share and offers competitive rates in Michigan. You can save on your premiums even more by taking advantage of the company’s many discounts, including those for customer loyalty, driver affiliations, and safe driving.

Pros

• Many available discounts

• AM Best financial strength rating of A++ (Superior)

Cons

• Not the cheapest rates in Michigan

• Below-average J.D. Power customer satisfaction rating in Michigan

How to get the cheapest car insurance in Michigan

Common factors that insurers consider when setting car insurance rates include a driver’s history, age, credit history, and where they live. The type of coverage you choose, like liability insurance or full coverage, will affect the cost of your policy, too.

Here are a few tips for finding the cheapest car insurance in Michigan:

• Look for discounts. Check with auto insurance companies to see what discounts they offer. You may also find discounts through your work, local organizations (like the AARP), or safe driver programs.

• Compare rates from multiple insurance companies. To ensure you get the best rates, compare coverage options between at least three insurance companies. Compare the cost of coverage with the amount they offer and find one that best fits your needs.

• Opt for minimum coverage. If you own your vehicle and could afford to replace it or cover the cost of repairs in an accident, opting for liability-only coverage could save you a lot of money. You won’t have as much protection, but your premium will cost less since you’re taking on more risk.

• Bundle multiple policies. Many insurance companies offer several types of insurance products, including auto insurance, home insurance, and renters insurance. Ask your insurer if you can bundle your policies for a discounted rate. Bundled policies often offer the best deal for households with multiple insurance products.

Low-cost car insurance in Michigan

Michigan drivers typically see some of the highest car insurance rates across the country. While the state doesn’t have a program to help low-income drivers find more affordable car insurance, if you’re looking for cheaper car insurance, you should consider comparing quotes among three to five insurers every six months to make sure you’re always getting the best deal.

Find Cheap Car Insurance in Michigan

Liability rates start as low as $67 per month

Enter your ZIP codeView My Quotes

Secure. Free. Easy-to-use.

Based on 7,669+ reviews

4.8/5

Why are car insurance rates rising in Michigan?

Car insurance rates in Michigan are projected to rise by 8% by the end of 2024, according to Insurify’s latest report. Full-coverage car insurance premiums in the state increased by 4% between June 2023 and June 2024, compared to a 28% increase nationwide.

Michigan continues to be one of the most expensive states for car insurance in the country. The average driver spends 3.7% of their household income on car insurance payments, compared to the national average of 2.6%.

The Michigan Catastrophic Claims Association (MCCA), which manages the state’s catastrophic claims fund, added a recoupment fee for policyholders on July 1, 2023. This move, along with industry-wide rate hikes, means Michigan drivers will likely face even higher car insurance premiums by the end of 2024.

Nationally, Insurify projects prices to rise an additional 7% in 2024 — nearly twice the average yearly increase.

Cheapest liability-only car insurance quotes in Michigan: Auto-Owners

All Michigan drivers must have at least liability-only car insurance to legally operate a vehicle in the state. Liability insurance pays for personal injury protection and property damage expenses for other drivers involved in an accident with your vehicle, but it doesn’t offer personal injury or property damage protection for you or your vehicle.

Liability-only insurance in Michigan costs $137 per month, on average.

If you’re looking for the cheapest car insurance, a liability-only policy will be less expensive than full coverage and could be a good option for your needs. If you’re worried about medical expenses, liability might not be the right choice for you.

The table below shows the cheapest liability-only insurance companies in Michigan.

The below rates are estimated rates current as of: Saturday, November 1 at 12:00 PM PDT. 

Data reviewed by Konstantin Halachev

Konstantin HalachevVP of Engineering & Data Science

• 7+ years experience in data analysis

• Ph.D. in Computational Biology

Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.

Read Editorial Guidelines

View Full Bio

Insurance Company	Average Monthly Quote
Auto-Owners	$67
USAA	$68
Chubb	$73
Safeco	$109
National General	$114
Bristol West	$134
Nationwide	$136
State Farm	$139
Direct Auto	$140
Liberty Mutual	$158
Progressive	$158
Travelers	$160
GEICO	$178

Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ 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 quotes in Michigan: Auto-Owners

Drivers who want more protection should opt for full-coverage car insurance. A full-coverage policy offers the state-minimum requirements for liability and additional protection for your vehicle in an accident through collision and comprehensive coverage.

Michigan drivers pay an average of $211 per month for full-coverage policies.

Full coverage is a good idea for drivers who can’t afford repairs or a replacement if their vehicle is damaged or totaled in an accident. If you lease or finance your vehicle, your leasing company or lender will require you to carry full-coverage car insurance. Full coverage will cost more, but it offers more financial protection. High-risk drivers may also consider a full-coverage policy for maximum security.

The below rates are estimated rates current as of: Saturday, November 1 at 12:00 PM PDT. 

Data reviewed by Konstantin Halachev

Konstantin HalachevVP of Engineering & Data Science

• 7+ years experience in data analysis

• Ph.D. in Computational Biology

Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.

Read Editorial Guidelines

View Full Bio

Insurance Company	Average Monthly Quote
Auto-Owners	$108
USAA	$109
Chubb	$119
Progressive	$188
Safeco	$192
Nationwide	$220
State Farm	$224
GEICO	$232
Liberty Mutual	$233
National General	$235
Travelers	$260
Direct Auto	$269
Bristol West	$269

Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Car insurance requirements in Michigan

Michigan is a no-fault state, so insurance companies must pay out no matter who’s at fault in an accident. In addition, Michigan drivers must carry no-fault insurance. Michigan insurance companies utilize eligibility points to determine who qualifies for coverage with their company. These eligibility points aren’t the same as points the state uses on a driver’s record.^[2] 

Insurance companies can decline to offer coverage if you have six or more points. The most significant point offenders are driving more than 15 miles per hour over the speed limit and second offenses on any incident or accident where you’re at fault. Michigan drivers must also carry personal injury protection (PIP) and property protection insurance.

Coverage	Minimum Requirements
Bodily injury liability	$20,000 per person and $40,000 per accident
Property damage liability	$10,000

Though not required, the following coverages can be helpful to carry if you want more thorough protection than the state minimum:

• 

  Collision coverage

  Collision insurance covers the cost of damages to your vehicle if you collide with another car or an object like a tree, fence, or light pole. Collision also covers damages from rollover accidents or hitting a pothole.

• 

  Comprehensive coverage

  Comprehensive insurance provides coverage for damage to your vehicle from anything not related to a collision, such as fire, robbery, vandalism, theft, or weather.

• 

  Mini-tort coverage

  Limited property damage liability insurance provides extra protection if you’re found 50% more at fault for a car accident and the other driver’s insurance won’t cover damages.

• 

  Towing and rental car coverage

  You may opt to purchase towing and rental coverage to pay the cost of moving your vehicle and paying for a rental while your car is in the shop.

• 

  Uninsured/underinsured motorist coverage

  An uninsured/underinsured motorist policy offers additional protection against injuries or damages from a driver without insurance or a driver with a policy that won’t cover medical expenses or car repairs. In Michigan, this coverage is optional, not required.

Cheapest car insurance companies in MI for drivers with an incident

It may be more difficult to secure cheap car insurance with incidents on your driving record. Insurance companies typically consider incidents like at-fault accidents, speeding tickets, DUIs, and other moving violations as risky behaviors.

Since insurance companies are required to pay for damages in Michigan, regardless of fault, any increased risky behavior could increase the cost of your policy. Michigan drivers could see the average cost of their policy increase significantly, depending on the type of incident.

Shop for Car Insurance in Michigan

Find liability coverage as low as $67/month

Enter your ZIP codeGet My Quotes

Secure. Free. Easy-to-use.

Based on 7,669+ reviews

4.8/5

Cheapest car insurance quotes for drivers with a speeding ticket: Auto-Owners

Speeding tickets may affect the cost of your insurance in Michigan. Michigan operates on a point system, with drivers accumulating points for certain traffic convictions. Speeding infractions typically result in two to four points, depending on how many miles over the posted limit you were driving when pulled over. Multiple speeding tickets can be a sign that you’re a risky driver, and the cost of your car insurance could increase.

Drivers with a speeding ticket in Michigan pay an average of $151 per month for liability-only insurance.

The below rates are estimated rates current as of: Saturday, November 1 at 12:00 PM PDT. 

Data reviewed by Konstantin Halachev

Konstantin HalachevVP of Engineering & Data Science

• 7+ years experience in data analysis

• Ph.D. in Computational Biology

Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.

Read Editorial Guidelines

View Full Bio

Insurance Company	Avg. Quote With Clean Driving Record	Avg. Quote With Speeding Ticket
Auto-Owners	$67	$81
USAA	$68	$82
Chubb	$73	$86
Safeco	$109	$135
National General	$114	$133
Bristol West	$134	$157
Nationwide	$136	$164
State Farm	$139	$164
Direct Auto	$140	$165
Liberty Mutual	$158	$187
Progressive	$158	$174
Travelers	$160	$193
GEICO	$178	$218

Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ 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 quotes for drivers with an at-fault accident: Auto-Owners

Drivers with at-fault accidents may accumulate points on their driving record and pay more for car insurance. Drivers with six or more violations or accumulating 12 points within two years must retake their driver’s test. But if you’ve had a clean driving record for three years or longer, buying accident forgiveness coverage can keep your rates stable in case you do cause an accident.

Michigan drivers with an at-fault accident on their record pay an average of $302 per month for a full-coverage policy.

The below rates are estimated rates current as of: Saturday, November 1 at 12:00 PM PDT. 

Data reviewed by Konstantin Halachev

Konstantin HalachevVP of Engineering & Data Science

• 7+ years experience in data analysis

• Ph.D. in Computational Biology

Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.

Read Editorial Guidelines

View Full Bio

Insurance Company	Avg. Quote With Clean Driving Record	Avg. Quote With Accident
Auto-Owners	$67	$91
USAA	$68	$93
Chubb	$73	$99
Safeco	$109	$158
National General	$114	$156
Bristol West	$134	$182
Nationwide	$136	$187
State Farm	$139	$188
Direct Auto	$140	$198
Liberty Mutual	$158	$218
Progressive	$158	$226
Travelers	$160	$220
GEICO	$178	$236

Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ 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 quotes for drivers with a DUI: Auto-Owners

Michigan law allows insurance companies to deny insurance coverage to drivers with a history of a DUI in the past three years. Since insurers consider drivers with a DUI conviction to be higher risk (and they may even require an SR-22 certificate), drivers should expect to pay a higher premium.

Drivers with a DUI in Michigan pay a monthly average of $166 for liability-only insurance and $256 for full-coverage insurance.

You may have fewer coverage options with a DUI on your record, but some insurers still offer affordable quotes, as you can see below.

The below rates are estimated rates current as of: Saturday, November 1 at 12:00 PM PDT. 

Data reviewed by Konstantin Halachev

Konstantin HalachevVP of Engineering & Data Science

• 7+ years experience in data analysis

• Ph.D. in Computational Biology

Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.

Read Editorial Guidelines

View Full Bio

Insurance Company	Avg. Quote With Clean Driving Record	Avg. Quote With DUI
Auto-Owners	$67	$90
USAA	$68	$91
Chubb	$73	$98
Safeco	$109	$157
National General	$114	$153
Bristol West	$134	$180
Nationwide	$136	$183
State Farm	$139	$187
Direct Auto	$140	$188
Liberty Mutual	$158	$212
Progressive	$158	$192
Travelers	$160	$215
GEICO	$178	$233

Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ 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 quotes for seniors: Auto-Owners

Senior drivers pay a little more for car insurance once they reach age 70. The increased rate offsets some of the higher risks senior drivers experience. Common causes of accidents in seniors include physical and mental decline or medication complications.^[3]

Senior drivers in Michigan pay an overall average of $147 per month for car insurance coverage.

You can find the cheapest car insurance companies for senior drivers in Michigan below.

The below rates are estimated rates current as of: Saturday, November 1 at 12:00 PM PDT. 

Data reviewed by Konstantin Halachev

Konstantin HalachevVP of Engineering & Data Science

• 7+ years experience in data analysis

• Ph.D. in Computational Biology

Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.

Read Editorial Guidelines

View Full Bio

Insurance Company	Average Quote: Liability Only	Average Quote: Full Coverage
Chubb	$39	$63
Auto-Owners	$39	$63
USAA	$44	$70
National General	$68	$141
Nationwide	$75	$121
State Farm	$79	$127
Safeco	$80	$141
Direct Auto	$88	$168
Bristol West	$89	$178
Travelers	$99	$160
Liberty Mutual	$103	$152
GEICO	$106	$138
Progressive	$107	$127

Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ 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 quotes for teens: USAA

Young drivers typically face higher insurance premiums than older drivers because insurance companies view them as more likely to file a claim. Drivers between the ages of 16 and 19 are more likely to be involved in a car accident than any other age group, according to the Centers for Disease Control and Prevention (CDC).^[4]

A liability-only policy averages $218 per month for teen drivers in Michigan.

Teen drivers can secure lower insurance costs in many different ways, such as staying on their parents’ policy, obtaining a safe-driving certification, and applying for a good student discount. Teens younger than 18 won’t be able to buy their own policy without written consent from a parent or guardian.

The below rates are estimated rates current as of: Saturday, November 1 at 12:00 PM PDT. 

Data reviewed by Konstantin Halachev

Konstantin HalachevVP of Engineering & Data Science

• 7+ years experience in data analysis

• Ph.D. in Computational Biology

Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.

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Insurance Company	Average Quote: Liability Only	Average Quote: Full Coverage
USAA	$118	$189
Auto-Owners	$123	$199
Chubb	$144	$235
Safeco	$206	$362
National General	$218	$449
Bristol West	$224	$450
Nationwide	$250	$404
Progressive	$251	$299
State Farm	$252	$406
Direct Auto	$258	$496
Liberty Mutual	$261	$385
GEICO	$301	$393
Travelers	$309	$502

Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ 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 rates across Michigan cities

While Michigan has some of the highest car insurance rates in the country, some Michigan cities may see cheaper car insurance rates than others. This is because insurance companies take your specific location into account while setting rates. Some areas may experience higher rates of theft or may have higher rates of claims, which can drive up rates in that area.

The table below shows the average cost of car insurance across several cities in Michigan.

Michigan car insurance FAQs