Michigan drivers pay an average of $2,377 per year for a full coverage car insurance policy, making it one of the most expensive states in the U.S for car insurance.
Costs also vary widely depending on where in Michigan you are — in Detroit, the average rate for a full coverage policy is $5,357 per year while Grand Rapids drivers pay just $2,138 a year for the same coverage. Policygenius can show you quotes from top companies, so you can find the coverage you need at the best rates for you.
GEICO offers the cheapest average rates for a full coverage policy in Michigan, at $1,059 per year
MetLife has the cheapest rate for 16-year-old drivers at $2,134 per year
Michigan requires at least $50,000 per person/$100,000 per accident in bodily injury liability coverage and $10,000 in property damage liability
Michigan also requires drivers to have Personal Injury Protection (PIP), but the exact amount depends on your health insurance
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.
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.
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
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.
If you already have a spotty record, be sure to shop around to find the companies that will still offer you affordable rates.
Cheapest car insurance for drivers with bad credit in Michigan
In many states, companies are allowed to consider your credit score as one of many factors when calculating your car insurance rates. The lower your credit score, the more you’ll pay. The good news is that other factors, like age and claims history, are usually more important than credit score.
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.
Grand Rapids: $2,138
Sterling Heights: $3,016
Ann Arbor: $2,195
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:
Frequently asked questions
Who has the cheapest car insurance rates in Michigan?
According to our analysis, the two cheapest car insurance companies in Michigan are GEICO and USAA.
How much is car insurance monthly in Michigan?
On average, drivers in Michgan pay $198 per month for car insurance, making Michigan one of the cheapest states for coverage.
How much car insurance is required in Michigan?
Michigan requires more coverage than other states. Drivers have to carry 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.
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: 50/100
Property damage liability: $50,000
Uninsured/underinsured motorist: 50/100
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.