Michigan Car Insurance Quotes: Compare Progressive, State Farm and More

Don’t know where to start when getting car insurance quotes in Michigan? MoneyGeek looked at average car insurance prices from the state’s most prominent insurers, including Progressive, State Farm and Automobile Club Michigan Group, to help you get started.

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Last Updated: 4/7/2022
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Most of the time, it takes between four and nine minutes to get online car insurance quotes from each insurer. You can compare car insurance prices from different insurance companies with MoneyGeek. It only takes a few minutes to do this.

Car insurance quotes in Michigan vary significantly based on your driver’s profile, so it's best to shop around for the best deal. MoneyGeek found that a 40-year-old driving an SUV with the state-minimum coverage, has a good credit score and a clean driving record pays the cheapest average car insurance premiums each year at around $2,640.

The most expensive average car insurance estimate, which costs around $91,871, is for a 20-year-old luxury car driver with full coverage, a DUI and a poor credit score.

Car Insurance Quotes in Michigan by Company

Progressive, State Farm and Auto Owners are the three largest car insurance companies in Michigan. These, and other prominent Michigan insurers, provide quotations for drivers based on their age, driving history, credit score and other relevant factors.

For individuals looking to save money on their insurance, we reviewed the cheapest insurance coverage in Michigan. Our guide on the typical cost of car insurance may also be of interest if you're curious about the factors that affect the average cost of auto insurance in Michigan.

Note that the insurance rates included in our study may not always reflect all applicable discounts.

MoneyGeek collected thousands of car insurance quotes in Michigan. Toggle your driver characteristics to personalize quotes for a better estimate of your rates.

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Compare Michigan Car Insurance Quotes

Customize the toggles and get Michigan car insurance quotes that fit your profile

Progressive Car Insurance Quotes in Michigan

Progressive’s average car insurance cost in Michigan is around $2,408 per year.

This insurer’s cheapest policy, costing around $1,629 per year, is for a 40-year-old SUV driver with a clean driving record, an excellent credit score and the state minimum insurance.

Their most expensive quote, which costs an average of $39,226 per year, is for a 20-year-old driver of a luxury automobile with a poor credit score, a prior accident record and full coverage.

Drivers may compare the cost of a state minimum policy to a full coverage policy by selecting the most important factors from the table below.

Progressive Car Insurance Quotes in Michigan

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  • Coverage Level
    Progressive Average Annual Quote
  • State Minimum Liability
    $2,216
  • 100/300/100 Comprehensive/Collision
    $3,133

State Farm Car Insurance Quotes in Michigan

State Farm’s average car insurance rate is around $4,650 per year in Michigan.

They charge around $3,275 per year for an SUV driver who is 40 years old, has a clean driving record, an excellent credit score and carries the state minimum insurance.

The most costly coverage from State Farm is around $101,596 per year. This is for drivers in their 20’s who drive luxury vehicles with full coverage, have poor credit scores and DUIs.

The chart below illustrates the cost of state-mandated minimum and full coverage vehicle insurance policies depending on your driving profile.

State Farm Car Insurance Quotes in Michigan

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  • Coverage Level
    State Farm Average Annual Quote
  • State Minimum Liability
    $4,456
  • 100/300/100 Comprehensive/Collision
    $6,050

AAA Car Insurance Quotes in Michigan

AAA Car Insurance Quotes in Michigan

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  • Coverage Level
    AAA Average Annual Quote
  • State Minimum Liability
    $3,488
  • 100/300/100 Comprehensive/Collision
    $4,525

Auto-Owners Insurance Co Car Insurance Quotes in Michigan

Auto Owners Insurance Co car insurance quote in Michigan costs an average of $2,299 per year.

This insurer's lowest rate is for a 40-year-old SUV driver with a clean driving record and an excellent credit score who is covered by the state-required insurance for an average of $1,367 annually.

Its most costly premium is around $44,740 per year for a 20-year-old driver of a luxury car with full coverage, a DUI and a poor credit score.

You may use the tables below to choose information relevant to your profile and compare the prices of state-mandated and full coverage vehicle insurance policies.

Auto-Owners Insurance Co Car Insurance Quotes in Michigan

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  • Coverage Level
    Auto-Owners Insurance Co Average Annual Quote
  • State Minimum Liability
    $1,860
  • 100/300/100 Comprehensive/Collision
    $2,991

Allstate Car Insurance Quotes in Michigan

Allstate’s car insurance costs an average of $3,797 per year in Michigan.

For this company, a 40-year-old SUV driver with a clean driving record, an excellent credit score and a state-mandated insurance policy pays around $2,710 in car insurance per year.

In contrast, a 20-year-old driver of a luxury car with a poor credit score, a DUI on record and a full coverage insurance policy would pay around $191,705 per year.

Because your circumstances are unique, you may use the chart below to determine the cost of state-mandated minimum coverage and full coverage auto insurance in your location that suits your needs.

Allstate Car Insurance Quotes in Michigan

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  • Coverage Level
    Allstate Average Annual Quote
  • State Minimum Liability
    $3,687
  • 100/300/100 Comprehensive/Collision
    $4,940

Hanover Car Insurance Quotes in Michigan

In Michigan, the average annual cost of Hanover’s car insurance is $6,647.

The lowest quote from this insurer is around $4,373 per year. This is for a 40-year-old SUV driver with a clean driving record, an excellent credit score and a state-minimum insurance policy.

On the other hand, Hanover’s most expensive rate is around $107,325 per year and is quoted for a 20-year-old luxury car driver with a DUI on record, a poor credit score and full coverage insurance.

You may use the table below to filter for features that match your profile and compare the costs of state-required and full-coverage auto insurance plans.

Hanover Car Insurance Quotes in Michigan

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  • Coverage Level
    Hanover Average Annual Quote
  • State Minimum Liability
    $5,950
  • 100/300/100 Comprehensive/Collision
    $8,648

USAA Car Insurance Quotes in Michigan

USAA’s car insurance costs an average of $1,128 per year in Michigan. However, only military families are only eligible for this insurance.

The cheapest quote from this insurer costs around $659 per year. This is for a 40-year-old SUV driver with a clean driving record, an excellent credit score and state-mandated insurance.

If you're a 20-year-old driver of a luxury car with a poor credit score, a DUI on record and has full coverage, you can expect to pay USAA’s highest annual car insurance premium of around $14,117.

To determine the cost of state-mandated and full car insurance coverage policies, drivers may choose the most relevant criteria to their requirements from the table below and compare quotes.

USAA Car Insurance Quotes in Michigan

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  • Coverage Level
    USAA Average Annual Quote
  • State Minimum Liability
    $889
  • 100/300/100 Comprehensive/Collision
    $1,424

How to Get Free Car Insurance Quotes in Michigan

There are several ways to assess the cost of car insurance quotes in Michigan. One of them is to get an estimate directly from the insurer.

You can also use MoneyGeek's data to determine where and how much it costs to insure a car in Michigan. Average car insurance rates in Michigan have been included on this page. Our car insurance calculator can also give you more precise figures for the state of Michigan.

Additionally, it is possible to compare binding quotations to actual expenses. This approach may not be as easy as using other methods, but it can produce the best results.

Auto Insurance Calculator

State

Michigan

Age

30-65

Driving Record

Clean

Credit Score

Excellent

Vehicle Type

Compact

Vehicle Year

2020

Liability Coverage

State Min

Comprehensive and Collision Insurance

None

Gender

Female
Average Annual Auto Insurance Rates

Click the section of the wheel in your price range to see options.

low end

on average

high end

Click your preferred price range to see company options.

Click an insurer below to visit their review page or continue to your personalized quote.

Company

Average Annual Rates

2.

USAA

$981

4.

GEICO

$1724

5.

MetLife

$2215

How to Get Car Insurance Quotes from Insurers in Michigan

You can talk to an insurance agent or broker or use an online quote tool to get estimated insurance rates in Michigan. Some insurers provide the latter on their websites, making it easier for drivers to get car insurance. You must provide your unique details and how much car insurance you need to allow insurers to give you an accurate quote.

Although not all companies in Michigan have an online tool, MoneyGeek’s study found you can get one in two minutes or so from Progressive or Allstate, among others. We also detail which companies require you to speak to an agent for an estimate.

How Fast Are Online Quote Tools in Michigan?
  • Length of Online Quote Process
    Companies
  • Quick Online Quote Process (<10 Minutes)

    • Progressive
    • Allstate
    • LIBERTY MUT GRP
    • AUTOMOBILE CLUB MI GRP
  • No Online Quote Process

    • State Farm
    • AUTO OWNERS GRP
    • THE HANOVER INS GRP
    • MICHIGAN FARM BUREAU GRP
    • USAA
    • PIONEER STATE MUT INS CO

Progressive Car Insurance Quote Tools in Michigan

It takes approximately two minutes to get an online quote from Progressive. Their online quote tool allows you to adjust the amount of car insurance you need. Once you do so, it automatically recalculates your rates to show updated results.

State Farm Car Insurance Quote Tools in Michigan

State Farm’s website has an online insurance tool. However, when we tried using our sample driver profile in Michigan to get a quote, it would not generate one. It’s best to contact them directly to get a customized estimate.

AAA Car Insurance Quote Tools in Michigan

You can get a car insurance quote for Michigan through AAA’s online tool. It took about five minutes to go through their quote process using a sample driver profile in Michigan. Their tool allows you to adjust the coverage levels and updates your rates within seconds.

Auto-Owners Insurance Co Car Insurance Quote Tools in Michigan

If you go to Auto-Owners’ website, you won’t find an online quote tool. You’ll have to go through the traditional route to get an estimate — pick up the phone and speak with an insurance agent.

Allstate Car Insurance Quote Tools in Michigan

Even if you don’t have a lot of time, you’ll still be able to get an online quote using Allstate’s tool. Using our sample driver profile, it only took around two minutes to get an estimate. Their tool also allows you to change coverage levels and gives you updated rates immediately.

Hanover Car Insurance Quote Tools in Michigan

It’s not possible to get a quote through an online tool with The Hanover. It's best to speak with their agents or brokers to ask for an estimate.

Farm Bureau Ins of MI Car Insurance Quote Tools in Michigan

Farm Bureau doesn’t provide an online quote tool on their website. If you want to get a car insurance quote, you’ll need to go through their agents or brokers.

Liberty Mutual Car Insurance Quote Tools in Michigan

You can get a car insurance quote from Liberty Mutual using their online tool. We got an estimate using our sample driver profile in Michigan in two minutes. It also allows you to adjust how much insurance you need and recalculates your rates to incorporate the changes.

USAA Car Insurance Quote Tools in Michigan

Although USAA has an online quote tool on their website, we didn't get an estimate using our sample driver profile in Michigan. If you want to get an accurate quote, it’s best to contact them directly.

Pioneer State Mutual Ins Co Car Insurance Quote Tools in Michigan

Pioneer State Mutual doesn’t have an online quote tool on its website. You’ll have to speak to an insurance agent or a broker to receive an accurate quote.

FAQ About Car Insurance Quotes in Michigan

Getting a car insurance quote does not have to be a lengthy procedure. You can get one in just a few minutes. Since obtaining auto insurance quotes in Michigan might be complex, MoneyGeek has addressed some of the most often asked concerns regarding obtaining quotes.

About the Author


expert-profile

Mark Fitzpatrick is a senior content manager with MoneyGeek specializing in insurance. Mark has years of experience analyzing the insurance market and creating original research and content. He graduated from Boston College with a Bachelor of Arts and Johns Hopkins University with a Master of Arts.