$35/mo
$37/mo
$44/mo
The car 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. 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.
The car owners in Michigan pays on an average of $1324 for six months for car insurance, which is more than the national average. Travelers offers cheap and the best rates in Michigan.
Travelers offers the cheapest liability coverage in Michigan at $35/month; thus making it an attractive option for drivers looking to save money.
Read about the cheapest liability coverage companies in Michigan ↓
Travelers provides cheap full insurance coverage in Michigan at $83/month, offering excellent value.
Read about the cheapest full coverage companies in Michigan ↓
Chubb is the cheapest option after an at-fault accident in Michigan at $52 per month.
Read more about best car insurance companies after at-fault accident in Michigan ↓
Travelers was named the best overall by J.D. Power and AM Best, making it a top pick among Michigan’s best car insurers.
Check out the full list of the best car insurance companies in Michigan ↓For drivers looking to meet Michigan minimum car insurance requirements, liability-only insurance is the most budget-friendly choice. Cheap liability car insurance in Michigan is widely available from providers like Travelers at $35/month. If you opt for Farmers you will have to pay at least $316/month for your car insurance premium, which is the highest in Michigan.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Travelers | $208 | $35 |
| Westfield | $220 | $37 |
| USAA | $261 | $44 |
| Encompass | $285 | $48 |
| Chubb | $303 | $52 |
| Auto-Owners Insurance Co | $327 | $54 |
| Auto-Owners | $362 | $61 |
Full coverage combines liability, comprehensive, and collision insurance, offering broader protection than liability coverage, which only covers damages or injuries you cause to others. As per our analysis Travelers offers the cheapest car insurance for full coverage in Michigan at $83 per month. On the other hand Hastings Mutual offers the most expensive rate at $136 per month.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Travelers | $493 | $83 |
| USAA | $630 | $106 |
| Encompass | $683 | $116 |
| Auto-Owners Insurance Co | $701 | $117 |
| Chubb | $737 | $125 |
| Farm Bureau Ins of MI | $867 | $145 |
| Auto-Owners | $909 | $153 |
Get Your Car Insurance Quote in Michigan Instantly!
Travelers stands out as the best car insurance provider in Michigan, thanks to its affordable premiums, extensive discounts, and strong customer satisfaction ratings from sources like J.D. Power and AM Best. With a robust range of coverage options, Encompass is a top pick for drivers seeking value and reliability.
Travelers offers a six-month premium of $416, which amounts to approximately $69 per month. This provides a competitive and affordable option for those looking for budget-friendly car insurance.
The average premium of Encompass is $487, which is higher than Travelers's by $71. Their higher monthly premium is, due to their strict policies on traffic violations.
Auto-Owners Insurance Co's premium is $511, which is significantly more expensive than Encompass's by $24. Their monthly premium is higher due to their strict policies on DUI infractions.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Travelers | $416 | $69 |
| Encompass | $487 | $83 |
| Auto-Owners Insurance Co | $511 | $85 |
| Westfield | $517 | $88 |
| Chubb | $523 | $87 |
| Progressive | $541 | $92 |
| Farm Bureau Ins of MI | $642 | $107 |
Teens and young drivers in Michigan often face high
car insurance rates, especially those aged 16 to 19. This is because inexperienced
drivers pose a higher risk. The average cost for teens in Michigan is
$2927 for 6 months, which is more than the national average.
Travelers is the best options for cheap
car insurance for young drivers in Michigan.
Car insurance rates in Michigan have fluctuated due to factors such as state regulations, inflation, and changing driving habits.
The average cost of full coverage in the Michigan dipped by $210 in Jan compared to $268 of Dec. In other words, there has been an decrease by $58 when you compare Jan and Dec.
The average cost of liability insurance in the Michigan dipped to $74 in Jan, compared to $89 in Dec. This represents an decrease of $15 when comparing Jan and Dec.
Your driving history significantly impacts your car insurance premiums. Insurance companies assess past at-fault accidents to gauge risk and adjust rates accordingly. Through our research we found that Chubb gives you the cheapest car insurance rate after an at-fault accident in Michigan at $52/month. On the other hand Pioneer State is the most expensive option at $79/month for an at-fault accident.
If you are living in Michigan you should opt for Travelers. Travelers ranks as number 1 across various factors like customer satisfaction, claims and rates.
In Michigan, your Auto insurance premiums can rise
significantly due to traffic violations. The extent of the increase depends on factors
such as the violation type, local regulations, and the insurer's policies. Minor
offenses like speeding might cause a small increase, while more serious violations, such
as DUIs, can lead to much higher rates. Additionally, the effect on premiums in
Michigan may differ from the national average due to regional risks and rules.
Here’s a breakdown of average car insurance rates in Michigan after
common driving violations.
| Accident/Violation | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| None | $1307 | $218 |
| Failure to wear a seat belt | $1550 | $264 |
| Cell phone violation | $1645 | $274 |
| Texting while driving | $1645 | $280 |
| Illegal turn | $1651 | $275 |
| Wrong way/wrong lane | $1651 | $281 |
| Speeding in school zone | $1675 | $279 |
Driving under the influence is a serious offense. A DUI history classifies you as a high-risk driver, increasing your annual insurance premium. Premiums after a DUI can vary significantly between insurance providers. According to our findings, one of the cheapest car insurances in Michigan is Chubb at $50 per month. Allstate at $1560 per month is the most expensive provider.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Chubb | $303 | $50 |
| Auto-Owners Insurance Co | $802 | $136 |
| Grange | $808 | $135 |
| Farmers | $820 | $139 |
| Progressive | $903 | $152 |
| Pioneer State Mutual Ins Co | $974 | $166 |
| USAA | $1081 | $182 |
An SR-22 is a certificate of financial responsibility required by the state for high-risk drivers. It verifies that the driver carries the minimum liability insurance coverage mandated by law. The SR-22 is typically needed after violations like DUI or a serious traffic offense.
Contact your current insurance provider and ask them to file an SR-22. Not all companies offer this service, so you might need to switch providers.
You'll need to purchase a new insurance policy. Some insurers specialize in helping high-risk drivers and can file the SR-22 for you.
A non-owner car insurance policy is your best option. It covers liability and fulfills the SR-22 requirement at a lower cost since it doesn't insure a specific vehicle.
Your location impacts your car insurance rate. Busy cities mean higher costs due to traffic, while quieter towns often have lower premiums.
| City | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Ann Arbor | $1040 | $175 |
| Grand Rapids | $1164 | $196 |
| Lansing | $1194 | $201 |
| Shoreham | $1224 | $208 |
| St. Joseph | $1224 | $204 |
| Stevensville | $1247 | $212 |
| Grand Haven | $1307 | $218 |
| Spring Lake | $1313 | $223 |
| Ferrysburg | $1319 | $220 |
| Marquette | $1325 | $225 |
| Portage | $1331 | $222 |
| Zeeland | $1331 | $226 |
