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Why Compare Car Insurance Rates in Michigan:

  • On average, people who compare rates save about $970 a year on car insurance
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No matter who is at fault in an accident, drivers in Michigan are required to carry personal injury protection (PIP) insurance. One of the main reasons why insurance premiums in the state are so high is because of this additional mandatory coverage. Michigan is a no fault state. It's normal to know that car owners in Michigan are perplexed as to how they can get cheap car insurance in the state without sacrificing adequate coverage. If you just got your driver's license or recently moved to Michigan, you might be curious about the state's auto insurance laws and how to get the best car insurance in Michigan.


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Minimum Required Auto Insurance Coverage in Michigan

All states require you to buy such insurance coverage before you can register your car. According to the Michigan Insurance Department, all car owners must have at least the following:

Coverage Type Minimum Coverage Limit
Residual bodily injury liability $50,000 per person
$100,000 per accident
Property damage $10,000 per accident
Personal injury protection (PIP) $250,000 or opt-out
Property protection insurance $1 million per accident

Cheapest Car Insurance in Michigan for Minimum Required Coverage

Progressive provides the most affordable full-coverage auto insurance for most Michigan drivers. The company's average annual fee is $2,060, which is 71% less than the state's average. However, rates vary greatly depending on the car insurance companies, your region, your driving record, and other things. Compare quotes from various insurance to ensure you get the best deal.

Types of Car Insurance Coverage Available in Michigan

Car insurance coverage available in Michigan include collision coverage, comprehensive coverage, liability insurance, and more. Which type of car insurance coverage is the most appropriate for you? Read types of car insurance coverages to know more about our recommendations.

See what you could save on auto insurance

Michigan Car Insurance Laws

The state of Michigan has a number of car insurance regulations that must be obeyed. Due to Michigan's status as a no-fault state, some of these laws are unique to the state. Car insurance in Michigan is regulated as follows:

  • In Michigan, all drivers are required by law to carry a minimum amount of automobile insurance coverage.
  • When asked by law enforcement for proof of insurance, drivers who refuse to produce it risk having their licenses suspended.
  • Those who drive must be covered by a minimum of 50/100/10 liability insurance, as well as PIP and PPI for property damage (PPI).

In Michigan, drivers who carry only the bare minimum in liability insurance typically end up paying the lowest premiums. Drivers are advised by most insurers to purchase more liability coverage than is required. Even if the state's minimum liability coverage limits are sufficient to cover all of an accident's costs, this is not a guarantee.

Michigan car insurance PIP requirements

After a car accident, PIP benefits in Michigan will cover your medical expenses and lost wages. PIP benefits are paid regardless of fault because of the no-fault law. You don't have to file a lawsuit against the at-fault driver because they are paid by your own insurance company.

Proof of Auto Insurance in Michigan

All Michigan drivers are required to carry proof of insurance at all times in their vehicles. Acceptable proof of insurance is in the form of an electronic document.

Average Cost of Auto Insurance Companies in Michigan

Auto insurance in Michigan is the most expensive in the country, with an average premium of up to $2,649 annually. Refer the following table to get the numbers of the different insurance quotes.

COMPANY AVERAGE ANNUAL RATE
Progressive $1,079
The General $1,148
USAA $1,226
Travelers $1,426
Meemic Auto Insurance $1,697
State Farm $2,088
Statewide Average $2,140
Auto Owners Insurance Co $2,309
MetLife $2,458
Farmers $3,213
Frankenmuth $3,341
AAA $3,488
Esurance $3,561
Bristol West $3,961
Mercury $4,235
Hanover Insurance $5,241
  • In addition to liability coverage, collision coverage protects your own vehicle in the event of an accident, and comprehensive coverage protects your vehicle from weather-related damage, theft, and vandalism.

Cheapest Car Insurance Quotes for Michigan Drivers

It's possible to save money on car insurance without having to compromise on coverage. Low-cost car insurance is available in Michigan from a variety of providers. Using data on average annual rates, we located some of the most cost-effective auto insurance providers in the state of Michigan. According to our in-house market research, these companies offer the best auto insurance in Michigan.

Cheap car insurance in Michigan for young Michigan drivers

USAA Insurance has the cheapest car insurance for young drivers in Michigan for both minimum and full coverage.

COMPANY 18-YEAR-OLD
FEMALES
18-YEAR-OLD
MALES
Farmers $13,940 $13,940
The General $3,247 $3,247
Hanover Insurance $14,105 $14,105
Bristol West $10,282 $10,282
Meemic Auto Insurance $3,814 $3,814
Progressive $6,897 $6,897
State Farm $6,056 $6,056
Travelers $7,312 $7,312
USAA $3,106 $3,106
Statewide Average $7,310 $7,310

Cheap car insurance for Michigan drivers with a speeding ticket

Michigan drivers with a recent speeding ticket can find affordable full-coverage insurance from Progressive.

COMPANY AVERAGE ANNUAL RATE
Progressive $1,362
USAA $1,516
The General $2,139
Meemic Auto Insurance $2,328
Travelers $2,424
Statewide Average $2,778
MetLife $2,999
State Farm $3,026
Auto Owners Insurance Co $3,452
Frankenmuth $3,701
Farmers $4,186
Esurance $4,765
Hanover Insurance $5,241
Mercury $5,760
AAA $11,775

Cheap auto insurance for Michigan drivers after a car accident

Progressive also has the best rates for Michigan drivers who have an accident on their record.

COMPANY AVERAGE ANNUAL RATE
Progressive $1,644
USAA $1,674
Meemic Auto Insurance $2,232
State Farm $2,453
The General $2,485
Travelers $3,025
Auto Owners Insurance Co $3,098
Statewide Average $3,234
Frankenmuth $4,349
Farmers $4,433
MetLife $4,648
Esurance $5,401
Bristol West $5,555
Mercury $6,834
Hanover Insurance $7,926
AAA $9,710

Cheap car insurance quotes for Michigan drivers with a DUI

Progressive is the cheapest option for Michigan drivers with a DUI or DWI on their driving records.

COMPANY AVERAGE ANNUAL RATE
Progressive $1,257
USAA $2,072
Meemic Auto Insurance $3,934
Farmers $4,332
Esurance $4,656
MetLife $4,657
Bristol West $4,719
Statewide Average $4,899
Travelers $4,913
State Farm $5,090
Auto Owners Insurance $5,279
Mercury $5,593
The General $7,766
Hanover Insurance $9,831
AAA $24,143

Cheap full coverage car insurance quotes for young drivers with an accident history

The cheapest insurance for young drivers with an at-fault accident is Auto-Owners.

COMPANY ANNUAL RATE
Auto-Owners $3,095
Frankenmuth $4,825
Progressive $4,955
State Farm $7,325
AAA $34,725
Hanover $43,865

Compare Car Insurance Rates In Top Cities

The average full coverage policy in Michigan costs $2500 a year, making it one of the most expensive states in the country for car insurance. Even though these averages can give you a good idea of how costs may vary, your car insurance rates are likely to be unique. Insuring a vehicle is affected by a number of factors, including the location in which it is kept.

CityAnnual Rate
Acme$6,701
Addison$6,653
Adrian$6,689
Afton$5,945
Ahmeek$6,377
Alanson$6,341
Alba$6,473
Albion$7,193
Alden$6,617
Alger$8,297
Algonac$7,373
Allegan$6,449
Allen Park$8,753
Allendale$5,849
Allenton$7,829
Allouez$6,365
Alma$6,473
Almont$7,481
Alpena$6,125
Alpha$6,533
Alto$5,765
Amasa$6,461
Anchorville$7,709
Ann Arbor$6,269
Applegate$7,373
Argentine$6,869
Armada$7,781
Arnold$6,737
Ashley$7,265
Athens$6,857
Atlanta$6,389
Atlantic Mine$6,197
Attica$7,445
Au Gres$7,385
Au Sable$7,205
Au Train$6,269
Auburn$5,993
Auburn Hills$8,057
Augusta$6,017
Avoca$7,793
Azalia$6,017
Bad Axe$8,489
Bailey$6,821
Baldwin$7,625
Bancroft$8,237
Bangor$7,901
Bannister$6,965
Baraga$6,389
Barbeau$6,377
Barryton$7,937
Barton City$7,673
Bath$5,885
Battle Creek$6,857
Bay City$6,413
Bay Port$8,669
Bay Shore$5,933
Beaver Island$6,101
Beaverton$6,713
Bedford$6,569
Beecher$10,085
Beechwood$5,837
Belding$7,793
Bellaire$6,233
Belleville$9,485
Belmont$6,053
Bentley$6,533
Benton Harbor$7,265
Benton Heights$7,121
Bergland$5,969
Berkley$7,865
Berrien Center$5,945
Berrien Springs$6,617
Bessemer$6,137
Beulah$6,869
Beverly Hills$9,329
Big Bay$5,789
Big Rapids$7,013
Bingham Farms$9,173
Birch Run$7,517
Birmingham$8,129
Bitely$7,601
Black River$6,941
Blanchard$7,493
Blissfield$6,629
Bloomfield Hills$8,369
Boon$6,545
Boyne City$5,957
Boyne Falls$5,705
Bradley$6,137
Branch$7,277
Breckenridge$6,689
Breedsville$7,541
Brethren$6,905
Bridgeport$8,093
Bridgman$5,333
Brighton$6,941
Brimley$6,161
Britton$6,917
Brohman$7,637
Bronson$7,673
Brooklyn$6,557
Brown City$8,057
Brownlee Park$7,217
Bruce Crossing$6,149
Brutus$5,957
Buchanan$6,197
Buckley$7,241
Buena Vista$8,537
Burnips$5,717
Burr Oak$7,073
Burt$7,397
Burt Lake$6,305
Burton$8,117
Byron$8,405
Byron Center$5,837
Cadillac$5,657
Calumet$9,305
Canadian Lakes$8,501
Cannonsburg$5,645
Capac$7,853
Carleton$7,241
Carney$6,761
Caro$8,021
Carrollton$6,665
Carson City$7,889
Carsonville$7,289
Caseville$8,057
Caspian$6,521
Cass City$7,277
Cassopolis$6,509
Cedar$6,353
Cedar Lake$7,925
Cedar Springs$6,737
Cedarville$6,017
Cement City$6,785
Center Line$12,005
Central Lake$6,329
Centreville$6,989
Ceresco$6,881
Champion$6,221
Channing$6,449
Charlevoix$5,705
Charlotte$7,277
Chatham$6,929
Cheboygan$5,957
Chelsea$5,885
Chesaning$7,337
Chippewa Lake$7,193
Clare$6,929
Clarklake$6,389
Clarkston$7,649
Clarksville$7,865
Clawson$6,989
Clayton$6,149
Clifford$7,565
Climax$6,041
Clinton$6,629
Clio$7,421
Cloverdale$7,469
Coldwater$7,085
Coleman$6,773
Coloma$6,785
Colon$7,325
Columbiaville$6,917
Comins$6,677
Comstock Northwest$5,933
Comstock Park$5,885
Conklin$6,389
Constantine$7,205
Cooks$6,065
Coopersville$6,065
Copemish$7,145
Copper City$6,413
Copper Harbor$6,101
Coral$8,489
Cornell$6,641
Corunna$7,973
Covington$7,145
Cross Village$6,317
Croswell$7,337
Crystal Falls$6,389
Curran$7,169
Curtis$5,873
Custer$7,421
Cutlerville$5,825
Daggett$6,773
Dansville$6,293
Davisburg$7,661
Davison$6,989
De Tour Village$6,401
Dearborn$13,157
Dearborn Heights$11,081
Decatur$7,397
Decker$7,361
Deckerville$7,589
Deerfield$6,797
Deerton$6,581
Deford$7,841
Delton$7,265
Detroit$15,641
Detroit Beach$7,037
DeWitt$6,281
Dexter$6,149
Dimondale$7,157
Dodgeville$6,125
Dollar Bay$6,125
Douglas$6,581
Dowagiac$6,785
Dowling$7,745
Drayton Plains$7,673
Drummond Island$6,185
Dundee$6,641
Durand$7,985
East Grand Rapids$5,897
East Jordan$6,317
East Lansing$6,161
East Leroy$6,941
East Tawas$6,281
Eastlake$6,257
Eastpointe$13,553
Eastport$6,149
Eastwood$6,041
Eaton Rapids$7,493
Eau Claire$6,041
Eben Junction$6,881
Eckerman$6,017
Ecorse$12,845
Edgemont Park$6,989
Edmore$7,733
Edwardsburg$6,545
Elberta$7,001
Elk Rapids$5,789
Elkton$8,321
Ellsworth$6,281
Elm Hall$5,981
Elmira$5,681
Elsie$7,097
Elwell$6,713
Engadine$5,873
Escanaba$6,257
Essexville$6,149
Evart$7,409
Ewen$5,909
Fair Haven$7,793
Fair Plain$7,157
Fairgrove$7,589
Fairview$6,497
Falmouth$6,941
Farmington$7,901
Farmington Hills$7,721
Farwell$7,085
Felch$6,845
Fennville$6,461
Fenton$7,289
Fenwick$6,713
Ferndale$11,273
Ferrysburg$5,417
Fife Lake$6,221
Filer City$6,245
Filion$8,105
Flat Rock$8,141
Flint$9,869
Flushing$7,241
Forest Hills$5,945
Forestville$7,601
Foster City$6,917
Fostoria$7,661
Fountain$7,097
Fowler$6,581
Fowlerville$8,081
Frankenmuth$7,025
Frankfort$6,989
Franklin$9,245
Fraser$10,469
Freeland$6,749
Freeport$7,253
Fremont$6,629
Frontier$6,833
Fruitport$5,657
Fulton$5,945
Gaastra$6,425
Gagetown$7,289
Galesburg$5,537
Galien$6,509
Garden$6,509
Garden City$10,037
Gaylord$5,933
Genesee$8,453
Germfask$6,497
Gibraltar$8,585
Gladstone$6,581
Gladwin$6,569
Glenn$5,849
Glennie$6,737
Gobles$7,325
Goetzville$6,365
Good Hart$6,029
Goodells$7,565
Goodrich$6,965
Gould City$5,813
Gowen$7,565
Grand Beach$5,549
Grand Blanc$7,769
Grand Haven$5,441
Grand Junction$7,025
Grand Ledge$6,053
Grand Marais$6,377
Grand Rapids$6,245
Grandville$5,309
Grass Lake$6,413
Grawn$6,017
Grayling$5,825
Greenville$6,389
Gregory$6,689
Greilickville$6,233
Grosse Pointe$9,029
Grosse Pointe Farms$8,909
Grosse Pointe Park$8,837
Grosse Pointe Woods$8,801
Gulliver$6,377
Gwinn$6,749
Hagar Shores$6,845
Hale$6,821
Hamilton$6,269
Hamtramck$20,369
Hancock$6,125
Hanover$6,701
Harbert$5,861
Harbor Beach$8,129
Harbor Springs$6,869
Harper Woods$12,401
Harrietta$6,713
Harrison$7,625
Harsens Island$7,649
Hart$7,157
Hartford$7,589
Haslett$6,149
Hastings$7,733
Hawks$7,037
Hazel Park$12,629
Hemlock$7,205
Henderson$7,817
Hermansville$8,285
Herron$6,629
Hesperia$6,893
Hessel$6,233
Hickory Corners$7,037
Higgins Lake$6,317
Highland Park$17,033
Hillsdale$6,833
Holland$6,269
Holly$8,933
Holt$5,681
Homer$7,013
Honor$7,265
Horton$6,713
Houghton$6,173
Houghton Lake$6,257
Houghton Lake Heights$6,365
Howard City$7,865
Howell$6,581
Hubbard Lake$6,809
Hubbardston$7,805
Hubbell$9,593
Hudson$6,101
Hudsonville$5,477
Hulbert$6,077
Huntington Woods$9,689
Idlewild$7,469
Imlay City$7,109
Indian River$5,945
Ingalls$7,481
Inkster$13,697
Interlochen$6,461
Ionia$11,993
Iron Mountain$6,365
Iron River$6,137
Irons$7,385
Ironwood$9,233
Ishpeming$5,693
Ithaca$6,617
Jackson$6,293
Jasper$6,449
Jeddo$7,265
Jenison$5,669
Jerome$6,641
Johannesburg$5,693
Jones$6,641
Jonesville$7,061
K. I. Sawyer$6,677
Kalamazoo$6,161
Kaleva$6,857
Kalkaska$6,977
Kearsarge$6,425
Keego Harbor$9,797
Kendall$7,325
Kent City$7,145
Kentwood$6,281
Kewadin$5,813
Kincheloe$8,909
Kinde$8,021
Kingsford$5,957
Kingsley$7,397
L'Anse$6,317
Lachine$6,521
Lacota$7,361
Laingsburg$7,241
Lake$7,673
Lake Angelus$7,529
Lake Ann$7,097
Lake City$6,881
Lake Fenton$7,277
Lake George$7,157
Lake Isabella$7,157
Lake Leelanau$6,341
Lake Linden$9,509
Lake Michigan Beach$6,725
Lake Odessa$8,297
Lake Orion$7,733
Lakeland$6,497
Lakes of the North$6,977
Lakeside$5,609
Lakeview$8,513
Lakeville$9,065
Lakewood Club$6,581
Lambertville$6,077
Lamont$5,537
Lansing$7,865
Lapeer$7,025
Lathrup Village$11,861
Laurium$6,305
Lawrence$7,769
Lawton$6,221
Lennon$8,249
Leonard$8,309
Leroy$6,737
Leslie$6,941
Level Park-Oak Park$6,797
Levering$5,669
Lewiston$6,077
Lexington$7,145
Limestone$6,605
Lincoln$7,445
Lincoln Park$8,789
Linden$6,761
Linwood$6,257
Litchfield$7,073
Little Lake$6,977
Livonia$7,577
Long Lake$7,493
Loomis$6,713
Loretto$6,929
Lowell$5,885
Ludington$6,293
Luna Pier$6,749
Lupton$6,929
Luther$7,505
Luzerne$6,401
Macatawa$5,789
Mackinac Island$5,981
Mackinaw City$5,501
Madison Heights$8,693
Mancelona$6,965
Manchester$6,233
Manistee$6,353
Manistee Lake$7,025
Manistique$5,993
Manitou Beach-Devils Lake$6,221
Manton$7,145
Maple City$6,617
Maple Rapids$6,869
Marcellus$6,689
Marine City$7,805
Marlette$7,505
Marne$5,897
Marquette$5,717
Marshall$6,689
Marysville$7,001
Mason$6,605
Mass City$6,413
Mattawan$6,353
Maybee$6,557
Mayville$8,165
McBain$6,269
McBride$7,781
Mcbrides$7,781
McMillan$6,005
Mears$6,569
Mecosta$7,997
Melvin$7,205
Melvindale$10,745
Memphis$7,205
Mendon$7,109
Menominee$6,185
Merrill$7,457
Merritt$7,013
Mesick$6,653
Metamora$6,845
Michigamme$6,353
Michigan Center$6,329
Middleton$6,905
Middletown$7,937
Middleville$6,281
Midland$5,897
Mikado$7,013
Milan$6,233
Milford$7,169
Millersburg$6,617
Millington$7,229
Minden City$8,045
Mio$6,461
Mohawk$6,125
Moline$6,665
Monroe$6,857
Montague$6,221
Montgomery$7,253
Montrose$7,289
Moran$6,221
Morenci$6,389
Morley$7,397
Morrice$7,805
Mosherville$7,121
Mount Clemens$9,929
Mount Morris$8,969
Mount Pleasant$6,185
Muir$7,817
Mullett Lake$6,449
Mulliken$7,037
Munger$6,401
Munising$6,329
Munith$6,761
Muskegon$7,481
Muskegon Heights$6,653
Nadeau$7,325
Napoleon$5,981
Nashville$11,357
National City$7,289
National Mine$5,597
Naubinway$5,765
Nazareth$6,425
Negaunee$5,597
New Baltimore$8,321
New Boston$7,805
New Buffalo$5,693
New Era$6,641
New Haven$8,573
New Hudson$8,465
New Lothrop$6,989
New Troy$5,609
Newaygo$6,953
Newberry$5,981
Newport$7,325
Niles$5,549
Nisula$8,993
North Adams$6,473
North Branch$7,097
North Muskegon$6,413
North Street$7,205
Northport$6,413
Northview$6,137
Northville$6,677
Norton Shores$6,581
Norvell$6,569
Norway$6,245
Novi$7,097
Nunica$6,161
Oak Hill$6,233
Oak Park$12,485
Oakley$7,481
Oden$6,317
Okemos$6,113
Old Mission$6,701
Olivet$6,701
Omena$6,389
Omer$7,445
Onaway$6,641
Onsted$5,993
Ontonagon$9,845
Orchard Lake Village$7,925
Ortonville$7,553
Oscoda$7,241
Osseo$6,665
Ossineke$6,233
Otisville$7,481
Otsego$6,461
Ottawa Lake$6,605
Otter Lake$7,385
Ovid$6,857
Owendale$7,781
Owosso$7,913
Oxford$8,045
Painesdale$9,929
Palmer$5,585
Palms$7,649
Palo$7,625
Paradise$6,413
Parchment$6,473
Paris$6,425
Paw Paw$6,377
Paw Paw Lake$6,569
Pearl Beach$7,289
Peck$7,133
Pelkie$6,461
Pellston$5,501
Pentwater$6,533
Perkins$6,953
Perrinton$6,725
Perronville$8,333
Perry$8,297
Petersburg$6,161
Petoskey$5,705
Pewamo$7,433
Pigeon$8,165
Pinckney$6,293
Plainwell$6,569
Pleasant Lake$6,677
Pleasant Ridge$8,261
Plymouth$6,749
Pointe Aux Pins$6,077
Pompeii$7,241
Pontiac$11,693
Port Hope$8,117
Port Huron$7,313
Port Sanilac$7,325
Portage$5,669
Portland$7,589
Potterville$7,001
Powers$7,145
Prescott$8,249
Presque Isle Harbor$6,341
Prudenville$6,113
Pullman$6,461
Quinnesec$6,245
Ralph$6,569
Ramsay$6,257
Rapid City$6,965
Rapid River$6,641
Ravenna$6,593
Reed City$6,893
Reese$7,181
Remus$7,889
Rhodes$6,605
Richmond$7,517
Richville$7,313
Riga$6,785
River Rouge$13,745
Riverdale$6,161
Riverview$7,697
Rives Junction$6,473
Robin Glen-Indiantown$8,045
Rochester$7,529
Rochester Hills$7,601
Rock$6,809
Rockford$6,293
Rockland$6,569
Rockwood$8,573
Rodney$8,021
Rogers City$6,041
Romeo$8,249
Romulus$12,041
Roosevelt Park$6,497
Roscommon$6,113
Rose City$7,049
Rosebush$7,145
Roseville$11,621
Rothbury$6,605
Royal Oak$7,709
Rumely$6,881
Ruth$8,189
Saginaw$7,301
Salem$8,489
Saline$5,789
Samaria$5,993
Sand Creek$6,437
Sand Lake$6,989
Sandusky$7,193
Sanford$6,905
Saranac$8,261
Sault Ste. Marie$5,681
Sawyer$5,561
Schoolcraft$6,089
Scotts$5,897
Scottville$6,257
Sears$7,397
Sebewaing$8,093
Seney$5,969
Shaftsburg$8,393
Shelby$6,629
Shelbyville$7,397
Shepherd$6,953
Sheridan$8,393
Shingleton$5,993
Shoreham$5,201
Sidnaw$9,329
Silverwood$7,997
Six Lakes$8,309
Skanee$7,097
Smiths Creek$7,229
Smyrna$7,241
Snover$7,397
Somerset Center$6,833
South Boardman$6,917
South Branch$6,965
South Gull Lake$5,609
South Haven$6,245
South Lyon$7,205
South Monroe$6,461
South Range$6,293
South Rockwood$7,073
Southfield$12,905
Southgate$8,369
Spalding$7,169
Sparta$7,061
Spring Arbor$6,605
Spring Lake$5,441
Springfield$6,713
Springport$7,109
Spruce$6,593
St. Charles$7,025
St. Clair$7,337
St. Clair Shores$8,609
St. Helen$6,893
St. Ignace$6,269
St. Johns$7,565
St. Joseph$5,261
St. Louis$6,809
Standish$6,821
Stanton$8,273
Stanwood$7,589
Stephenson$7,397
Sterling$6,809
Sterling Heights$10,841
Stevensville$5,357
Stockbridge$6,737
Sturgis$6,785
Sumner$7,469
Swartz Creek$7,169
Sylvan Beach$6,101
Sylvan Lake$9,329
Tawas City$7,289
Taylor$9,581
Tecumseh$7,541
Tekonsha$6,461
Temperance$6,053
Thompsonville$7,205
Three Oaks$5,657
Three Rivers$7,085
Tipton$7,133
Toivola$9,797
Topinabee$6,149
Tower$6,533
Traverse City$6,209
Trenary$6,761
Trenton$8,141
Trout Creek$7,601
Trout Lake$6,245
Trowbridge Park$5,669
Troy$8,249
Trufant$8,537
Tustin$6,485
Twin Lake$6,617
Twining$7,421
Ubly$8,105
Union$6,497
Union City$7,781
Union Lake$8,045
Union Pier$5,585
Unionville$7,745
University Center$5,909
Utica$10,157
Vandalia$6,677
Vanderbilt$6,113
Vandercook Lake$6,629
Vassar$7,949
Vermontville$7,385
Vernon$7,913
Vestaburg$7,997
Vicksburg$6,113
Vulcan$7,061
Wacousta$6,089
Wakefield$6,185
Waldron$6,185
Walhalla$7,397
Walker$6,029
Walkerville$7,181
Wallace$6,221
Walled Lake$7,745
Walloon Lake$6,161
Warren$11,309
Waters$6,365
Watervliet$6,497
Watton$7,121
Waverly$6,773
Wayland$6,785
Wayne$9,149
Webberville$6,833
Weidman$7,253
Wells$6,557
Wellston$6,737
West Branch$6,293
West Ishpeming$5,621
West Monroe$6,569
West Olive$5,609
Westland$8,777
Weston$6,281
Westphalia$6,101
Westwood$6,149
Wetmore$6,557
White Cloud$7,025
White Pine$9,125
Whitehall$6,209
Whitmore Lake$7,277
Whittaker$7,265
Whittemore$7,277
Williamsburg$6,293
Williamston$6,053
Willis$6,569
Wilson$7,157
Winn$7,157
Wixom$7,241
Wolf Lake$6,725
Wolverine$6,341
Wolverine Lake$7,781
Woodhaven$8,153
Woodland Beach$7,001
Wyandotte$7,529
Wyoming$5,801
Yale$7,793
Ypsilanti$8,153
Zeeland$5,705

Cheap auto insurance in Michigan with bad credit

COMPANY AVG. ANNUAL PREMIUM
The General $1,749
USAA $2,217
Auto-Owners Insurance Co $3,095
Progressive $3,524
Bristol West $6,315
Farmers $6,856
State Farm $10,803

Michigan auto insurance rate by violation

Accident/Violation Avg. Annual Premium % Rate Increase $ Rate Increase
None $2,186 1% $10
One Med/PIP claim $2,186 1% $10
Not-at-fault accident $2,322 7% $146
One comp claim $2,339 8% $163
Two Med/PIP claims $2,345 8% $170
Two comp claims $2,443 13% $267
Driving without lights $2,554 18% $379
Child safety restraint $2,599 20% $424
Failure to wear a seat belt $2,607 20% $431
Failure to show documents $2,676 24% $500
At-fault accident - less than $1000 $2,689 24% $513
Driving with expired registration $2,695 24% $520
Texting while driving $2,774 28% $598
Cell phone violation $2,774 28% $598
Speeding 6 - 10 MPH over limit $2,777 28% $601
Wrong way/wrong lane $2,795 29% $619
Illegal turn $2,820 30% $644
Driving too slowly $2,826 30% $650
Failure to yield $2,833 31% $657
Speeding in school zone $2,849 31% $674
Failure to stop at a red light $2,881 33% $705
Speeding 11 - 15 MPH over limit $2,886 33% $710
Following too closely $2,946 36% $770
Improper passing $2,989 38% $813
Operating a vehicle without permission $3,054 41% $878
Passing school bus $3,101 43% $925
At-fault accident - $1000-$2000 $3,120 44% $944
Speeding 16 - 20 MPH over limit $3,204 48% $1,028
At-fault accident - greater than $2000 $3,210 48% $1,034
Speeding 21 - 25 MPH over limit $3,243 50% $1,068
In 65 MPH zone $3,280 51% $1,104
Open container $4,049 87% $1,873
Driving with a suspended license $4,400 103% $2,224
Racing $5,826 168% $3,651
Reckless driving $6,037 178% $3,861
Leaving scene of an accident/hit and run $6,154 183% $3,978
Refusal to submit to a chemical test $6,170 184% $3,994
DUI $6,170 184% $3,994

Car insurance price trends in Michigan

Year Avg. Annual Premium - Michigan Yearly Change - Michigan Avg. Annual Premium - US Yearly Change - US
2021 $2,649 $114 $1,539 $56
2020 $2,545 -$561 $1,493 -$51
2019 $3,116 $232 $1,554 $33
2018 $2,894 $1098 $1,531 $94
2017 $1,806 $244 $1,447 $79
2016 $1,572 -$313 $1,378 $98
2015 $1,895 $206 $1,290 $61
2014 $1,679 $175 $1,239 $44
2013 $1,524 -$53 $1,205 -$70
2012 $1,587 $333 $1,286 $92

See what you could save on auto insurance

How to Find The Best Car Insurance in Michigan

To get the best deal on car insurance, we recommend that you get quotes from at least three different insurance providers. State minimum coverage requirements may or may not work for your situation, even if they are pretty established. As a result, if you drive a high-end car, you may not have enough insurance to cover the cost of repairs and replacements.

Remember that your driving record will influence your insurance rates. Michigan's points system only records violations for two years, and Michigan's Department of Motor Vehicles can tell you how long a speeding ticket has been on your driving record. It would be best if you waited until a ticket or points expiration before shopping for Michigan car insurance.

Clean driving records, a good credit score, and even marital status can all lead to lower car insurance premiums. You may also be able to get a discount for having more than one policy with an insurance company if you have a home or need other types of insurance.

It is always a good idea to compare multiple car insurance quotes and shop around for auto insurance every few years, even if you feel you have been treated fairly by a person or company. Michigan's car insurance laws will change next year, leading to lower rates or new plan options from some companies.

Reasons Why Auto Insurance Costs More in Michigan

There are three main reasons why Michigan's auto insurance premiums are so high: The state of Michigan mandates no-fault insurance with unlimited PIP coverage. Insurance fraud, litigation costs, and high healthcare costs are all a result of the wide range of insurance options available in Michigan.

Things to Know About Car Insurance When Moving to Michigan

Michigan is one of the more expensive states in the nation for car insurance and it's a no-fault state.

How to Get Discounts on Car Insurance in Michigan

Each state got its own options for car insurance discounts. If you're changing insurance providers, enquire about transition discounts. These can help you to save money. Here are some info on car insurance discounts available in Michigan for your research.

Auto Insurance Data Methodology

The auto insurance rates published in this guide are based on the results of research completed by Way.com’s data team. Using a mix of public and internal data, we analyzed millions of rate averages across U.S. ZIP codes.

Quotes are typically based on a full coverage policy average unless otherwise noted within the content.

These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes will differ. Given this, it’s important to go through our insurance steps form to find how much you can save with way.com

Frequently Asked Questions

Who has the cheapest car insurance in Michigan?

In Michigan, USAA provides the lowest insurance rates for both the state minimum and the higher 50/100/50 liability-only insurance. This provider, however, serves only military members and their families. The second most affordable carrier with all forms of coverage is Nationwide. .

How much is car insurance per month in Michigan?

Car insurance in Michigan costs an average of $162 a month, or $1941 a year. .

How much is car insurance in MI?

Car insurance is expensive in Michigan. Michigan's average auto insurance premium is $2610 a year—more than the national average of 82.9 percent. Your auto insurance premiums are more than just the state in which you live. .

Why is Michigan car insurance so high?

Michigan auto insurance is costly due to two factors: the state has no-fault rules, and it also requires unlimited personal injury cover. It can be expensive for those with a bad credit history or driving records to get auto insurance in Michigan. .

Is Michigan getting rid of no-fault insurance?

The statute requires Michigan drivers to have a non-fault car insurance policy that provides personal injury protection (PIP) benefits. On July 2, 2020, changes were made to the non-fault car insurance regulations, including offering Michigan drivers an option in their PIP coverage level. .

How much will Michigan car insurance go down?

Starting July 2, 2020, Michigan drivers will be able to save at least $120 per car. .

How can I get cheaper car insurance in Michigan?

Follow the following steps to get cheap car insurance for yourself: .

  • Raise your deductible
  • Improve your credit score
  • Take a defensive driving course
  • Look for discounts
  • Shop around

How much coverage do you need in Michigan?

In Michigan, drivers need $20000 in physical injury liability insurance per person, up to $40000 per accident, and $10000 in property damage liability insurance. .

  • Property Damage Liability: $10000
  • Personal Injury Protection: $50000
  • Coverage Type: Minimum Coverage Limit

What are the PIP choices under the new law in Michigan?

You can now choose from six PIP coverage plans depending on your particular requirements and what you can afford. However, if you meet those conditions, you can choose to opt-out of personal injury prevention medical benefits. Seniors also have the option of allowing Medicare to cover the cost of health insurance in the event of a car accident. If you have Medicare or an eligible insurance plan, you will no longer have to pay for your PIP medical gain. .

When does the new rule take effect in Michigan?

The new law took effect in Michigan on July 2, 2020.

Learn more by city and state for car insurance



Learn more by city and state for car insurance




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