Best and cheapest car insurance in Michigan

GEICO has the cheapest car insurance rates in Michigan, with an average monthly cost of $88 for a full-coverage policy.  GEICO is 55% cheaper than the average cost of car insurance in Michigan, which is $2,377 per year.

Besides GEICO, the cheapest car insurance in Michigan comes from USAA — if you’re in the military — along with MetLife, Meemic, and Progressive.

Cheapest car insurance companies in Michigan

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 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

Read our full GEICO car insurance review

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GEICO has the best and cheapest car insurance in Michigan. We found that auto insurance from GEICO costs $88 per month, or $1,059 per year. That’s $1,318 cheaper than the annual average cost in Michigan, and $5,257 cheaper than the most expensive insurance company in the state.

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 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

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USAA has the second-cheapest car insurance rates in Michigan. If you’re in the armed forces or a part of a military family, then you could get car insurance in Michigan for around $105 per month. Michigan drivers with an accident, DUI citation, or speeding ticket on their records can also get cheap car insurance from USAA.

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’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

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MetLife has 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, which means it’s still a good option for drivers looking for robust coverage at affordable rates.

Meemic

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

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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 fourth-cheapest auto insurance in Michigan, with average rates that cost $136 per month ($1,626 per year). That’s $751 less than average each year.

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 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

Read our full Progressive car insurance review

Get quotes

Progressive rounds out our list of the best and cheapest car insurance companies in Michigan. Progressive is also one of the three cheapest companies available to the general public. On average, auto insurance from Progressive costs $144 per month in Michigan, meaning that drivers could save $646 per year compared to average.

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.

Age	Cheapest company	Average cost
16	MetLife	$2,134
18	GEICO	$2,354
21	GEICO	$1,495
25	GEICO	$1,082
30	GEICO	$1,059
35	GEICO	$1,059
45	GEICO	$1,059
55	MetLife	$956
60	MetLife	$836
65	MetLife	$1,037
70	USAA	$1,190

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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

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.

Violation	GEICO	USAA	MetLife	Meemic	Progressive
At-fault accident	$2,729	$1,839	$2,675	$2,312	$2,446
DUI	$7,049	$2,358	$3,099	$3,946	$2,093
Suspended license	$2,337	$2,358	$3,389	$3,946	$2,315
Open container	$5,176	$2,358	$1,417	$1,941	$2,257
Expired registration	$2,337	$1,666	$1,675	$1,941	$2,257
Driving without lights	$2,337	$1,666	$1,675	$1,941	$2,257
Not showing documents	$2,337	$1,666	$1,675	$1,941	$2,257
Running a red light	$2,337	$1,666	$1,675	$1,941	$1,773
Failure to yield	$2,337	$1,666	$1,675	$1,941	$2,257
Following too closely	$2,337	$1,666	$1,675	$1,941	$2,257
Hit and run	$3,671	$2,358	$3,099	$3,946	$2,263
Illegal turn	$2,337	$1,666	$1,675	$1,941	$2,257
Improper passing	$2,337	$1,666	$1,675	$1,941	$2,257
Not-at-fault accident	$1,059	$1,298	$1,601	$1,640	$2,097
Passing a school bus	$2,337	$2,166	$1,675	$1,941	$2,257
Racing	$3,671	$2,358	$3,099	$3,946	$2,315
Reckless driving	$2,729	$2,166	$3,099	$3,946	$2,315
Speeding	$2,337	$1,840	$1,780	$2,578	$2,200

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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.

• Detroit: $5,357

• Grand Rapids: $2,138

• Warren: $3,454

• Sterling Heights: $3,016

• Lansing: $2,215

• Ann Arbor: $2,195

• Flint: $2,995

• Dearborn: $4,092

• Livonia: $2,438

• Troy: $2,817

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:

• Best car insurance Detroit

• Best car insurance Flint

• Best car insurance Lansing

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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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: 50/100

• 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.