Best and cheapest car insurance in Michigan

The best and cheapest car insurance company in Michigan is GEICO, at $89 per month for full coverage.

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Nicole WakelinNicole WakelinAutomotive journalistNicole Wakelin is an automotive journalist who has covered the industry for over a decade. She’s always loved cars and the fact that they regularly hand her the keys to shiny new automobiles so she can write about them is a constant source of amazement. She covers breaking news, writes reviews, and attends auto shows and new vehicle launches across the country. Her work has appeared in a wide range of publications both online and in print. These include U.S. News & World Report, The Boston Globe, TrueCar, Kelley Blue Book, and Autobytel. In addition, she speaks to all things automotive at conferences, on the radio, and on podcasts, including co-hosting the weekly Wheel Bearings Podcast. Nicole is a current member and former Vice President of the New England Motor Press Association. She is also a juror for both the Women’s World Car of the Year and the North American Car, Truck and Utility of the Year.&Andrew HurstAndrew HurstSenior Editor & Licensed Auto Insurance ExpertAndrew Hurst is a senior editor and a licensed auto insurance expert at Policygenius. His work has also been featured in The New York Times, The Wall Street Journal, Forbes, USA Today, NPR, Mic, Insurance Business Magazine, ValuePenguin, and Property Casualty 360.
Expert reviewedExpert reviewedThis article has been reviewed by a licensed Policygenius expert to ensure that sources, statistics, and claims meet our standard for accurate and unbiased advice.Learn more about oureditorial review process.

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Ian Bloom, CFP®, RLP®Ian Bloom, CFP®, RLP®Certified Financial PlannerIan Bloom, CFP®, RLP®, is a certified financial planner and a member of the Financial Review Council at Policygenius. Previously, he was a financial advisor at MetLife and MassMutual.

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GEICO has the cheapest car insurance rates in Michigan, with an average monthly cost of $89 for a full-coverage policy. GEICO is 56% cheaper than the average cost of car insurance in Michigan, which is $2,425 per year.

Besides GEICO, the cheapest car insurance in Michigan comes from USAA — if you’re in the military — along with MetLife (now a part of Farmers), Progressive, and Meemic. You should always compare prices to make sure you find the cheapest company for you.

Company

Average cost

GEICO

$89/month

USAA

$101/month

MetLife (now Farmers)

$118/month

Progressive

$133/month

Meemic

$136/month

Cheapest car insurance companies in Michigan

Since Michigan is one of the most expensive states for car insurance, it’s extra important for Michigan drivers to compare rates from multiple companies before choosing a policy. The cheapest company for one driver may not always be the cheapest for another, so be sure to take time to shop around.

Company

Average annual cost

JD Power Rating

GEICO

$1,071

874

USAA

$1,210

890

MetLife

$1,417

--

Progressive

$1,597

861

Meemic

$1,628

--

GEICO

4.6

Policygenius rating

How we score: Policygenius’ ratings are determined by our editorial team. Our methodology takes multiple factors into account, including pricing, financial ratings, quality of customer service, and other product-specific features.

GEICO logo

GEICO is nationally available and often has some of the cheapest rates. GEICO gets fewer service complaints than average, even though claims satisfaction can be mixed. Drivers can also customize their car insurance from GEICO with a few useful add-ons.

Pros

  • Available in every state and the District of Columbia

  • Usually has some of the cheapest rates

  • Gets fewer complaints than expected for its service

  • Allows drivers to add different types of useful coverages to a basic policy

Cons

  • Mixed reputation for claims satisfaction

GEICO has the best and cheapest car insurance in Michigan. We found that auto insurance from GEICO costs $89 per month, or $1,071 per year. That’s $1,354 cheaper than the average annual cost in Michigan.

USAA

4

Policygenius rating

How we score: Policygenius’ ratings are determined by our editorial team. Our methodology takes multiple factors into account, including pricing, financial ratings, quality of customer service, and other product-specific features.

USAA logo

USAA is one of the most reliably cheap car insurance companies in the country. It also has a long-standing reputation for great customer service. Unlike other providers, USAA is only offered to drivers who are affiliated with the military.

Pros

  • Offers coverage in every state and the District of Columbia

  • Usually has some of the cheapest car insurance rates of any company

  • Drivers can use discounts to lower their rates

  • Consistently high customer satisfaction

Cons

  • Limited options for adding extra coverage

  • Only available to members of the military, veterans, and their families

USAA has the second-cheapest car insurance rates in Michigan at an average of $101 per month, or $1,210 per year. But you’ll only be able to qualify for USAA coverage If you’re in the armed forces or a part of a military family.

Michigan drivers with an accident, DUI citation, or speeding ticket on their records can also usually still get cheap insurance from USAA even with a past driving violation.

MetLife

3.9

Policygenius rating

How we score: Policygenius’ ratings are determined by our editorial team. Our methodology takes multiple factors into account, including pricing, financial ratings, quality of customer service, and other product-specific features.

MetLife logo

MetLife’s home and auto insurance business was acquired by Farmers in 2021, so drivers with a MetLife policy were switched over to Farmers, which is known for high customer service ratings and a broad range of coverage offerings.

Pros

  • Wide range of extra coverage types to add to a basic policy

  • Coverage for customized, spare, and original parts

  • Affordable rates even after a driving violation or crash

  • Harge number of discounts for different types of drivers

  • Consistently highly rated customer service

Cons

  • Higher rates than average for drivers 25 years old and younger

MetLife has historically been one of the cheapest car insurance options in Michigan, with an average cost of $118 per month (or $1,417 per year). Farmers Insurance now owns MetLife’s auto insurance business, but it’s still a good option for drivers looking for robust coverage at affordable rates.

Meemic

Meemic logo

Meemic offers cheap insurance in a handful of states to educators, including teachers, support staff, and administrators. Meemic’s affordable policies are basic as far as protection goes, but fewer customers than average complain about their service.

Pros

  • Rates are often cheaper than average

  • Offers a handful of discounts, including one for new teachers

  • Standard policies include original parts coverage

  • Receives fewer complaints than average in the industry

Cons

  • Available only to teachers and educators in just four Midwestern states

  • Premiums are more expensive than average after a violation or crash

If you’re a teacher or work in education, you may find cheap insurance in Michigan from Meemic. A small insurance company, Meemic has the fifth-cheapest auto insurance in Michigan, with average rates of $136 per month ($1,626 per year). That’s $797 less than the statewide average.

Progressive

4.1

Policygenius rating

How we score: Policygenius’ ratings are determined by our editorial team. Our methodology takes multiple factors into account, including pricing, financial ratings, quality of customer service, and other product-specific features.

Progressive logo

Progressive usually offers rates that are around (or cheaper than) average. But drivers with a past driving violation may find that Progressive offers better rates than other companies. Its number of coverage add-ons also sets Progressive apart.

Pros

  • Rates tend to be around average compared to other companies

  • Lots of useful endorsements to upgrade a basic policy

  • Wide range of discounts to help save money

  • Affordable policies for high-risk and newly-licensed drivers

Cons

  • Mixed reputation for customer service

Progressive is another option for cheap car insurance in Michigan. On average, auto insurance from Progressive costs $133 per month, meaning that Michigan drivers could save $828 per year compared to average.

Cheapest car insurance companies by age in Michigan

Teens and young drivers pay the most for car insurance, and in an already-pricey state like Michgan, rates for young drivers can be sky-high. But don’t worry, as long as you maintain a clean driving record, rates should fall as you age and gain experience.

The cheapest car insurance company in Michigan for most young drivers is GEICO.

Age

Cheapest company

Average cost

16

GEICO

$3,108

18

GEICO

$2,395

21

GEICO

$1,515

25

GEICO

$1,094

30

GEICO

$1,071

35

GEICO

$1,071

45

GEICO

$1,071

55

MetLife

$956

60

MetLife

$836

65

MetLife

$1,037

70

USAA

$1,162

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Choosing the right car insurance company in Michigan

Buying car insurance can seem daunting, but it’s a lot easier if you break it down into key factors to consider while you shop.

  • Cost: Look at the rates offered by each insurer to see which is the lowest — the only way to be sure you’re getting a good deal is to compare multiple options

  • Coverage: The more coverage you get, the better protected you’ll be, so see which company offers you the highest coverage limits at the lowest rates

  • Service: In addition to cost, compare customer service and claims satisfaction ratings to make sure you’re choosing a company that will be there for you when you need them

Compare rates and shop affordable car insurance today

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Car insurance rates for drivers with driving violations in Michigan

The more tickets and accidents you have on your record, the higher your rates will be. Drive with care, avoid accidents, and stay within posted speed limits if you want a better rate on your car insurance.

We found that the cheapest company after a driving violation in Michigan is often USAA or Progressive.

Violation

GEICO

USAA

MetLife

Progressive

Meemic

Auto-Owners Insurance

At-fault accident

$2,777

$1,768

$2,675

$2,082

$2,316

$2,782

DUI

$7,191

$2,265

$3,099

$1,811

$3,952

$4,400

Suspended license

$2,375

$2,265

$3,389

$2,012

$3,952

$2,153

Open container

$5,262

$2,265

$1,675

$1,963

$1,945

$2,153

Expired registration

$2,375

$1,603

$1,675

$1,963

$1,945

$1,864

Driving without lights

$2,375

$1,603

$1,675

$1,963

$1,945

$2,153

Running a red light

$2,375

$1,603

$1,675

$1,963

$1,945

$2,153

Following too closely

$2,375

$1,603

$1,675

$1,963

$1,945

$2,153

Hit and run

$3,743

$2,265

$3,099

$2,012

$3,952

$4,400

Not-at-fault accident

$1,071

$1,250

$1,601

$2,003

$1,642

$1,864

Passing a school bus

$2,375

$2,081

$1,675

$1,963

$1,945

$2,423

Reckless driving

$2,777

$2,081

$3,099

$2,012

$3,952

$4,400

Speeding

$2,375

$1,769

$1,780

$1,938

$2,582

$2,872

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Cheapest car insurance for drivers with bad credit in Michigan

In many states, companies consider your credit score as one of many factors when calculating your car insurance rates. Drivers with poor credit scores may have a hard time finding cheap insurance.

On average, the cheapest car insurance company in Michigan for drivers with bad credit is GEICO.

Company

Rates for drivers with bad credit

GEICO

$1,756

Meemic

$2,706

USAA

$2,710

Progressive

$2,826

MetLife

$2,933

Car insurance costs in Michigan cities

The number of accidents and claims in your city, as well as rates of car theft and vandalism and repair costs, all affect how much you’ll pay.

Here are the average annual car insurance rates in the 10 largest cities in Michigan.

  • Detroit: $5,609

  • Grand Rapids: $2,126

  • Warren: $3,590

  • Sterling Heights: $3,015

  • Lansing: $2,264

  • Ann Arbor: $2,195

  • Flint: $3,171

  • Dearborn: $4,225

  • Livonia: $2,459

  • Troy: $2,822

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Buying car insurance in Michigan

Michigan law requires every driver to have car insurance. The minimum amount of coverage required is:

  • Bodily injury liability coverage per person: $50,000

  • Bodily injury liability coverage per accident: $100,000

  • Property damage liability coverage: $10,000

  • Personal injury protection: Required level depends on health insurance 

  • Uninsured/underinsured motorist coverage: Optional

Michigan is somewhat unique in that drivers are required to have Personal Injury Protection (PIP), which covers your injuries after an accident. PIP is required in all no-fault states, but in Michigan, the exact amount of PIP you need depends on your health insurance coverage, and some qualifying drivers may be able to decline PIP coverage. 

How to get cheap car insurance in Michigan

There are a few basic tips for making sure you’re getting the most affordable rates on your car insurance.

  • Drive safely: Keep accidents and driving violations to a minimum for a better rate

  • Watch your credit: A higher credit score means lower car insurance rates, so make payments on time and pay down debts when you can

  • Compare quotes: Compare policies before you buy to make sure you’re getting the best rates available 

  • Know your discounts: Most car insurance companies offer a range of discounts, for everything from paying your policy in full to being a safe driver to getting good grades, so make sure you’re getting the savings you qualify for

  • Bundle policies: Get your auto and home or renters insurance through the same company and save on both

Find car insurance in your city:

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List of auto insurance companies in Michigan

Still looking for the right car insurance company? There are many options to choose from. Below is a list of the largest auto insurance companies in Michigan by market share, according to the National Association of Insurance Commissioners (NAIC) 2021 property & casualty market share report. [1]

Company

Market share

Progressive

20.44%

State Farm

17.09%

Auto Club of Michigan

13.95%

Auto-Owners Insurance

10.93%

Allstate

7.64%

The Hanover

6.74%

Liberty Mutual

4.64%

Michigan Farm Bureau

4.38%

USAA

2.68%

Farmers

1.94%

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Frequently asked questions

Who has the cheapest car insurance rates in Michigan?

According to our analysis, USAA has the cheapest car insurance rates in Michigan. As USAA is just for drivers affiliated with the military, GEICO is the company in Michigan with the cheapest rates for most other drivers.

How much is car insurance monthly in Michigan?

The average cost of car insurance in Michigan is $202 per month, or $2,425 per year.

How much car insurance is required in Michigan?

Michigan requires more coverage than other states. Drivers have to have at least $50,000 of bodily injury liability per person, $100,000 per accident, and $10,000 of property damage liability. Depending on your health insurance coverage, you could have to get at least $500,000 of personal injury protection.

Is Michigan a no-fault state?

Yes, Michigan is a no-fault state. This means that the car insurance of each driver will pay for their injuries after a car accident, regardless of who was at fault in the accident. But unlike most no-fault states, the amount of PIP required in Michigan depends on your health insurance coverage.

Methodology

Policygenius has analyzed car insurance rates provided by Quadrant Information Services for every ZIP code in all 50 states plus Washington, D.C. For full coverage policies, the following coverage limits were used:

  • Bodily injury liability: $50,000 per person/$100,000 per accident

  • Property damage liability: $50,000

  • Uninsured/underinsured motorist: $50,000 per person/$100,000 per accident

  • Comprehensive: $500 deductible

  • Collision: $500 deductible

In some cases, additional coverages were added where required by state or insurer.

Rates for overall average rate, rates by ZIP code, and cheapest companies determined using averages for single drivers ages 30, 35, and 45. Our sample vehicle was a 2017 Toyota Camry LE driven 10,000 miles/year.

Rates for driving violations and “Poor” credit determined using average rates for a single male 30-year-old driver with a credit score under 578.

Some carriers may be represented by affiliates or subsidiaries. Rates provided are a sample of costs. Your actual quotes may differ.

References

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Policygenius uses external sources, including government data, industry studies, and reputable news organizations to supplement proprietary marketplace data and internal expertise. Learn more about how we use and vet external sources as part of our

editorial standards.
  1. NAIC

    . "

    Market Share Reports for Property/Casualty Groups and Companies By State and Countrywide 2022 edition

    ." Accessed August 05, 2022.

Authors

Nicole Wakelin is an automotive journalist who has covered the industry for over a decade. She’s always loved cars and the fact that they regularly hand her the keys to shiny new automobiles so she can write about them is a constant source of amazement. She covers breaking news, writes reviews, and attends auto shows and new vehicle launches across the country.

Her work has appeared in a wide range of publications both online and in print. These include U.S. News & World Report, The Boston Globe, TrueCar, Kelley Blue Book, and Autobytel. In addition, she speaks to all things automotive at conferences, on the radio, and on podcasts, including co-hosting the weekly Wheel Bearings Podcast.

Nicole is a current member and former Vice President of the New England Motor Press Association. She is also a juror for both the Women’s World Car of the Year and the North American Car, Truck and Utility of the Year.

Andrew Hurst is a senior editor and a licensed auto insurance expert at Policygenius. His work has also been featured in The New York Times, The Wall Street Journal, Forbes, USA Today, NPR, Mic, Insurance Business Magazine, ValuePenguin, and Property Casualty 360.

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