The best car insurance in Michigan

Nicole Wakelin

By

Nicole Wakelin

Nicole Wakelin

Automotive journalist

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.

Published November 15, 2021

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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.

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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.

Key Takeaways

  • 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.

Company

Average cost

JD Power Rating

GEICO

$1,059

871

USAA

$1,257

890

MetLife

$1,417

886

Meemic

$1,626

--

Progressive

$1,731

856

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

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

Driving with a suspended license

$2,337

$2,358

$3,389

$3,946

$2,315

Driving with an open container

$5,176

$2,358

$1,417

$1,941

$2,257

Driving with 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

Failure to show documents

$2,337

$1,666

$1,675

$1,941

$2,257

Failure to stop at a red light

$2,337

$1,666

$1,675

$1,941

$1,773

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.

Company

Rates for drivers with bad credit

GEICO

$1,735

USAA

$2,710

Meemic

$2,711

MetLife

$2,933

Progressive

$3,088

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

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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 amount 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 

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.

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.

How long does it take to get car insurance?

It may seem complicated, but buying car insurance is actually a pretty simple process, and it can usually be done in an afternoon. You can even set your policy to start the same day you buy it.

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.