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Car Insurance

Michigan: Cheapest car insurance

Whether you’re moving to Michigan or looking for a new carrier, you’ll want to compare quotes and read our list of cheapest cities to drive in order to save the most money on auto insurance.

Michigan is known as the car manufacturer capital of the U.S. which makes sense considering it was the first state to have a concrete paved road. If you drive around Michigan you'll probably notice that it’s also famous for it cherry production and the infamous Paul Bunyan folklore. So whether you’re looking to more to this truly All-American state or you’re looking for a new provider, you’ll want to compare quotes for the best deal on car insurance so as not to embarrass the Great Lake state’s automobile roots.

The state average for car insurance in Michigan is $1,399

Even with this average you can end up spending more or less depending on where you live and which provider you choose. As with any state, costs vary greatly in Michigan with a range of about $1,525 between large scale urban cities and small suburban towns. Keep in mind that there is a correlation between urban areas and higher insurance premiums. Typically a higher population leads to more car accidents and thefts, so insurance providers raise their premiums to cover the cost of a high amount of claims. If the cost of car insurance is a deciding factor in where you make your move, then you’ll want to consult the list below. The list below doesn’t include the cities with the least expensive premiums, but rather it gives the averages for popular cities and their surrounding areas.

The cost of car insurance in popular cities in Michigan:

  1. Ann Arbor - $871

  2. Grand Rapids - $908

  3. Lansing - $1,071

  4. Livonia - $1,154

  5. Sterling Heights - $1,258

  6. Westland - $1,296

  7. Warren - $1,360

  8. Flint - $1,669

  9. Dearborn - $2,009

  10. Detroit - $2,396

Based on the above listing, you'll be able to estimate how much your insurance will be in these and surrounding cities. The prices were gained through extensive research, by ValuePenguin, based on several driver profiles that varied in age, gender, and marital status, but drove the same vehicle. Something to be aware of when looking at these prices is that all of the drivers had great driving records as well as good credit history. So if you don’t quite fit that criteria, then it might be best to tack on a few extra dollars in order to give yourself a more accurate estimate.

Michigan is a no fault state and therefore requires you to carry PIP insurance. So while you’re shopping around, remember that you must carry the state minimum coverage that includes liability to cover your own medical and property damage expenses regardless of whether or not you were at fault. The state minimum has been set at 20/40/10 which includes: $20,000 coverage for bodily injury per person, $40,000 total coverage for bodily injury per accident, and $10,000 coverage for property damage. You might want to consider buying more than the state minimum if you’re worried you won’t be able to pay for uncovered bills out of pocket.

Start shopping with a comparison site that makes it easy to customize your coverage and earn discounts. Insurify’s intelligent, virtual agent can help access what liability exactly fits your needs and give you the power to compare all carriers within your region to get you the best rate possible.