Why Compare Car Insurance Rates in Michigan:
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.
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 |
| Company | Annual Premium |
|---|---|
| Travelers | $111 |
| Westfield | $402 |
| Chubb | $438 |
| Pioneer State Mutual Ins Co | $606 |
| Farm Bureau Ins of MI | $835 |
| Grange Insurance | $1,025 |
| Auto-Owners Insurance Co | $1,167 |
| Progressive | $1,231 |
| USAA | $1,256 |
| Encompass | $1,313 |
| Farmers | $1,343 |
| Meemic Auto Insurance | $1,717 |
| Hanover | $2,074 |
| MetLife | $2,478 |
| State Farm | $3,173 |
| Frankenmuth | $3,361 |
| Esurance | $3,581 |
| Bristol West | $3,981 |
| Mercury | $4,255 |
| Hanover Insurance | $5,261 |
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.
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, 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.
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.
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.
| Company | Annual Premium |
|---|---|
| Travelers | $941 |
| Chubb | $1,157 |
| Pioneer State Mutual Ins Co | $1,278 |
| Westfield | $1,448 |
| Farm Bureau Ins of MI | $1,677 |
| Grange Insurance | $2,166 |
| Progressive | $2,322 |
| Auto-Owners Insurance Co | $2,658 |
| Farmers | $2,807 |
| Encompass | $2,852 |
| State Farm | $4,778 |
| Hanover | $4,979 |
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.
Auto-Owners Insurance Co has the cheapest car insurance for young drivers in Michigan for both minimum and full coverage.
| Company | 17-YEAR-OLD FEMALES | 17-YEAR-OLD MALES |
|---|---|---|
| Progressive | $6,415 | $6,415 |
| Auto-Owners Insurance Co | $2,674 | $2,674 |
| Encompass | $3,483 | $3,483 |
| Farmers | $13,679 | $13,679 |
| Travelers | $6,062 | $6,062 |
| State Farm | $6,916 | $6,916 |
| Hanover Insurance | $14,105 | $14,105 |
| Bristol West | $10,282 | $10,282 |
| Meemic Auto Insurance | $3,814 | $3,814 |
| USAA | $3,106 | $3,106 |
Michigan drivers with a recent speeding ticket can find affordable full-coverage insurance from Chubb.
| Company | Annual Premium |
|---|---|
| Chubb | $1,157 |
| Progressive | $1,429 |
| Westfield | $1,577 |
| Encompass | $1,613 |
| Pioneer State Mutual Ins Co | $1,696 |
| Auto-Owners Insurance Co | $1,753 |
| Travelers | $1,770 |
| Meemic Auto Insurance | $2,338 |
| MetLife | $3,009 |
| Frankenmuth | $3,711 |
| Esurance | $4,775 |
| Hanover Insurance | $5,251 |
| Mercury | $5,770 |
| AAA | $11,785 |
Chubb also has the best rates for Michigan drivers who have an accident on their record.
| Company | Annual Premium |
|---|---|
| Chubb | $1,157 |
| Pioneer State Mutual Ins Co | $1,371 |
| Progressive | $1,534 |
| Auto-Owners Insurance Co | $1,549 |
| Farm Bureau Ins of MI | $1,956 |
| Encompass | $2,091 |
| Westfield | $2,166 |
| Meemic Auto Insurance | $2,242 |
| Travelers | $2,306 |
| Auto Owners Insurance Co | $3,108 |
| Frankenmuth | $4,359 |
| MetLife | $4,658 |
| Esurance | $5,411 |
| Bristol West | $5,565 |
| Mercury | $6,844 |
| Hanover Insurance | $7,936 |
| AAA | $9,720 |
Chubb is the cheapest option for Michigan drivers with a DUI or DWI on their driving records.
| Company | Annual Premium |
|---|---|
| Chubb | $1,147 |
| Pioneer State Mutual Ins Co | $1,361 |
| Progressive | $1,524 |
| Auto-Owners Insurance Co | $1,539 |
| Farm Bureau Ins of MI | $1,946 |
| Encompass | $2,081 |
| Westfield | $2,156 |
| Meemic Auto Insurance | $2,232 |
| Travelers | $2,296 |
| Auto Owners Insurance Co | $3,098 |
| Frankenmuth | $4,349 |
| Grange Insurance | $4,168 |
| MetLife | $4,648 |
| Esurance | $5,401 |
| Bristol West | $5,555 |
| Mercury | $6,834 |
| Hanover Insurance | $7,926 |
| AAA | $9,710 |
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 |
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.
| City | Annual 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 |
| Company | Avg. Annual Premium |
|---|---|
| USAA | $2,217 |
| Auto-Owners Insurance Co | $3,095 |
| Progressive | $3,524 |
| Bristol West | $6,315 |
| Farmers | $6,856 |
| State Farm | $10,803 |
| 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 |
| 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 |
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.
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.
Michigan is one of the more expensive states in the nation for car insurance and it's a no-fault state.
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.
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
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. .
Car insurance in Michigan costs an average of $162 a month, or $1941 a year. .
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. .
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. .
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. .
Starting July 2, 2020, Michigan drivers will be able to save at least $120 per car. .
Follow the following steps to get cheap car insurance for yourself: .
In Michigan, drivers need $20000 in physical injury liability insurance per person, up to $40000 per accident, and $10000 in property damage liability insurance. .
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. .
The new law took effect in Michigan on July 2, 2020.
Access your digital insurance card through the app. You no longer need to carry your physical insurance card with you.
Receive reminders before your renewal. Way.com will also send new quotes from up to 45 insurance companies with your renewal reminder.
Keep everyone on your policy up to date by sharing your insurance information.
Make changes to your policy right from the app (coming soon) and ask for expert advice.
For the best user experience, please download our Way app.
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