Travelers offers Michigan's cheapest car insurance, with monthly rates of $25 for minimum coverage and $79 for full coverage. Choosing Travelers saves drivers $52 monthly (50% below average). Get quotes from GEICO, AAA, Progressive and Auto-Owners too.
Cheapest Car Insurance in Michigan
Updated: August 28, 2025
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Key Takeaways
Travelers, GEICO and AAA rank as the cheapest car insurance companies in Michigan, with Travelers offering rates up to 50% below the state average.
Car insurance costs can be as low as $25 monthly for minimum coverage and $79 for full coverage policies on average in Michigan.
To get the cheapest car insurance in Michigan, research average costs and top companies, take advantage of discounts and compare multiple provider quotes.
Who Has the Cheapest Car Insurance in Michigan?
| Travelers | $25 | $79 | -50% | $-52 |
| Geico | $42 | $70 | -46% | $-48 |
| AAA | $45 | $113 | -24% | $-25 |
| Progressive | $62 | $107 | -19% | $-20 |
| Auto Owners | $57 | $115 | -18% | $-18 |
*These rates are for a 40-year-old with good credit, a clean driving record and a 2012 Toyota Camry across all ZIP codes in the state.
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$192
High
$139
Average
$87
Low
Rates updated:
Aug 28, 2025
| Insurance Carrier | MoneyGeek ScoreMG Score | Average Monthly Payment | |
|---|---|---|---|
| 1 |  Capital Insurance Group | 94 /of 100 | $87 |
| 2 |  GEICO | 82 /of 100 | $109 |
| 3 | 83 /of 100 | $118 | |
| 4 | 83 /of 100 | $129 | |
| 5 | 79 /of 100 | $133 | |
| 6 | 77 /of 100 | $151 |
Although MoneyGeek partners with some of the companies we recommend, our content is written and reviewed by an independent team of writers, editors and licensed agents. Learn more about our editorial policies and expert editorial team.
LEARN MORE ABOUT THE BEST CHEAP CAR INSURANCE IN MICHIGAN
We've created additional guides below to help you in your search for the best and cheapest car insurance in Michigan:
Best Car Insurance Rates by Category in Michigan
Travelers offers the cheapest rates in four out of our 10 driver categories, including adult drivers and seniors, while Farm Bureau wins in two categories with affordable rates for drivers with bad credit or low income. Find your specific rates in the table:
| Young Drivers | Geico | $69 |
| Adult Drivers | Travelers | $23 |
| Senior Drivers | Travelers | $43 |
| Drivers With An Accident | Auto Owners | $64 |
| Drivers With A DUI | Progressive | $75 |
| Drivers With A Speeding Ticket | Travelers | $45 |
| Drivers With Bad Credit | Farm Bureau | $63 |
| Drivers With Low Income | Farm Bureau | $39 |
| Drivers With Newer Cars | Geico | $56 |
| Drivers With Old Cars | Travelers | $26 |
*Rates for the categories above are based on a profile of a 40-year-old with good credit, a clean driving record and a 2012 Toyota Camry across all ZIP codes in the state. Young drivers refer to 16 to 25-year-olds, adults 26 to 64-year-olds and seniors 65+ years of age.
Compare the Cheapest Car Insurance in Michigan for You
The tables above show overall winners, but your cheapest option depends on your specific situation. For example, Farm Bureau offers the lowest rates at $159 monthly for adult drivers with poor credit and an accident record who want full coverage. Filter the table to match your exact situation:
Data filtered by:Results filtered by:
Select
Age Group:Adult Drivers
Select
Coverage Level:State Minimum Liability Only
Select
Gender:Male
Select
Credit Alignment:Good
Select
Driving Record:Clean
| Travelers | $23 | $277 | -64% | $-491 |
| Auto Owners | $57 | $680 | -12% | $-88 |
| Geico | $43 | $510 | -34% | $-258 |
| AAA | $46 | $552 | -28% | $-216 |
| Progressive | $59 | $712 | -7% | $-56 |
*Young drivers refer to 16 to 25-year-olds, adults 26 to 64-year-olds and seniors 65+ years of age.
Cheapest Car Insurance in Michigan by City
Where you live in Michigan affects your insurance costs based on local crime, accidents and traffic density. Travelers charges as little as $18 in Addison but $84 with Progressive in Ecorse. Here are the cheapest providers for every Michigan city.
Compare prices statewide — the table breaks down the cheapest insurer in each Michigan city.
Data filtered by:Results filtered by:
Select
City:
| Detroit | Geico | $83 | -52% | $-116 |
| Grand Rapids | Travelers | $20 | -55% | $-52 |
| Warren | Travelers | $32 | -58% | $-93 |
| Sterling Heights | Travelers | $32 | -54% | $-79 |
| Ann Arbor | Travelers | $24 | -47% | $-44 |
| Lansing | Travelers | $21 | -55% | $-53 |
| Dearborn | AAA | $61 | -44% | $-79 |
| Clinton Township | Travelers | $28 | -50% | $-58 |
| Livonia | Progressive | $55 | -29% | $-31 |
| Troy | Travelers | $28 | -45% | $-48 |
| Farmington Hills | Travelers | $21 | -60% | $-66 |
| Westland | Geico | $58 | -41% | $-54 |
| Flint | Geico | $44 | -53% | $-68 |
| Wyoming | Travelers | $21 | -50% | $-43 |
| Rochester Hills | Travelers | $21 | -56% | $-55 |
| Southfield | Travelers | $29 | -62% | $-101 |
| Kalamazoo | Travelers | $19 | -54% | $-46 |
| Novi | Travelers | $28 | -41% | $-41 |
| Pontiac | Travelers | $32 | -55% | $-82 |
| Taylor | Geico | $64 | -39% | $-55 |
| Dearborn Heights | AAA | $59 | -33% | $-49 |
| Royal Oak | Travelers | $29 | -43% | $-46 |
| St. Clair Shores | Travelers | $29 | -45% | $-49 |
| Kentwood | Travelers | $18 | -57% | $-51 |
| Battle Creek | Travelers | $21 | -53% | $-48 |
| Portage | Travelers | $19 | -49% | $-38 |
| East Lansing | Travelers | $20 | -51% | $-43 |
| Roseville | Travelers | $29 | -53% | $-67 |
| Commerce Township | Travelers | $25 | -50% | $-51 |
| Saginaw | Travelers | $23 | -48% | $-45 |
| Auburn Hills | Travelers | $21 | -58% | $-59 |
| Allen Park | Progressive | $56 | -43% | $-57 |
| Adrian | Travelers | $18 | -58% | $-50 |
| Muskegon | Geico | $35 | -47% | $-41 |
| Marquette | Travelers | $20 | -47% | $-37 |
| Mount Pleasant | Travelers | $18 | -58% | $-50 |
| Birmingham | Travelers | $28 | -44% | $-46 |
| Hamtramck | Geico | $74 | -57% | $-131 |
| Lincoln Park | AAA | $45 | -44% | $-60 |
| Garden City | AAA | $48 | -37% | $-47 |
| Acme | Travelers | $21 | -50% | $-42 |
| Addison | Travelers | $18 | -58% | $-51 |
| Afton | Travelers | $22 | -49% | $-43 |
| Ahmeek | Travelers | $27 | -46% | $-47 |
| Akron | Travelers | $21 | -53% | $-50 |
| Alanson | Geico | $27 | -56% | $-45 |
| Alba | Travelers | $21 | -50% | $-43 |
| Albion | Travelers | $18 | -62% | $-59 |
| Alden | Travelers | $21 | -50% | $-42 |
| Alger | Travelers | $19 | -57% | $-53 |
| Algonac | Travelers | $21 | -51% | $-47 |
| Allegan | Travelers | $18 | -58% | $-50 |
| Allen | Travelers | $18 | -58% | $-51 |
| Allendale | Travelers | $18 | -55% | $-45 |
| Allenton | Travelers | $21 | -56% | $-57 |
| Allouez | Geico | $31 | -51% | $-42 |
| Alma | Travelers | $18 | -57% | $-48 |
| Almont | Travelers | $21 | -53% | $-50 |
| Alpena | Travelers | $22 | -44% | $-36 |
| Alpha | Travelers | $20 | -51% | $-44 |
| Alto | Travelers | $18 | -56% | $-49 |
| Amasa | Travelers | $20 | -51% | $-44 |
| Anchorville | Travelers | $21 | -55% | $-55 |
| Applegate | Travelers | $21 | -56% | $-55 |
| Arcadia | Travelers | $21 | -54% | $-50 |
| Armada | Travelers | $21 | -57% | $-57 |
| Arnold | Travelers | $20 | -50% | $-42 |
| Ashley | Travelers | $18 | -57% | $-49 |
| Athens | Travelers | $18 | -59% | $-53 |
| Atlanta | Travelers | $22 | -50% | $-44 |
| Atlantic Mine | Geico | $31 | -50% | $-40 |
| Attica | Travelers | $21 | -54% | $-52 |
| Auburn | Travelers | $20 | -49% | $-40 |
| Au Gres | Travelers | $19 | -55% | $-48 |
| Augusta | Travelers | $18 | -58% | $-50 |
| Au Train | Travelers | $20 | -52% | $-45 |
| Avoca | Travelers | $22 | -52% | $-50 |
| Azalia | Travelers | $21 | -53% | $-49 |
| Bad Axe | Travelers | $21 | -53% | $-49 |
| Bailey | Travelers | $18 | -59% | $-53 |
| Baldwin | Travelers | $19 | -60% | $-60 |
| Bancroft | Travelers | $18 | -58% | $-50 |
| Bangor | Travelers | $18 | -58% | $-50 |
| Bannister | Travelers | $18 | -58% | $-51 |
| Baraga | Travelers | $20 | -50% | $-42 |
| Barbeau | Geico | $35 | -44% | $-36 |
| Bark River | Travelers | $20 | -54% | $-48 |
| Baroda | Travelers | $18 | -53% | $-42 |
| Barryton | Travelers | $18 | -63% | $-62 |
| Barton City | Travelers | $22 | -49% | $-44 |
| Bath | Travelers | $20 | -50% | $-41 |
| Bay City | Geico | $40 | -37% | $-31 |
| Bay Port | Travelers | $21 | -52% | $-47 |
| Bay Shore | Travelers | $21 | -49% | $-41 |
| Bear Lake | Travelers | $21 | -53% | $-49 |
| Beaver Island | Travelers | $21 | -49% | $-41 |
| Beaverton | Travelers | $19 | -59% | $-56 |
| Bedford | Travelers | $21 | -52% | $-48 |
| Belding | Travelers | $18 | -61% | $-58 |
| Bellaire | Travelers | $21 | -49% | $-42 |
| Belleville | Auto Owners | $53 | -34% | $-42 |
| Bellevue | Travelers | $18 | -60% | $-55 |
| Belmont | Travelers | $21 | -51% | $-44 |
| Bentley | Travelers | $19 | -59% | $-56 |
| Benton Harbor | Geico | $39 | -40% | $-34 |
| Benzonia | Travelers | $21 | -51% | $-44 |
| Bergland | Travelers | $20 | -51% | $-43 |
| Berkley | Travelers | $29 | -42% | $-44 |
| Berrien Center | Travelers | $18 | -56% | $-47 |
| Berrien Springs | Travelers | $18 | -58% | $-50 |
| Bessemer | Travelers | $20 | -51% | $-43 |
| Beulah | Travelers | $21 | -50% | $-42 |
| Beverly Hills | Travelers | $29 | -44% | $-48 |
| Big Bay | Travelers | $20 | -50% | $-42 |
| Big Rapids | Travelers | $18 | -62% | $-59 |
| Birch Run | Travelers | $22 | -52% | $-49 |
| Bitely | Travelers | $18 | -63% | $-62 |
| Black River | Travelers | $22 | -50% | $-45 |
| Blanchard | Travelers | $18 | -60% | $-56 |
| Blissfield | Travelers | $18 | -57% | $-48 |
| Bloomfield Hills | Travelers | $28 | -47% | $-53 |
| Bloomingdale | Travelers | $18 | -57% | $-49 |
| Boon | Travelers | $21 | -51% | $-44 |
| Boyne City | Travelers | $21 | -48% | $-40 |
| Boyne Falls | Travelers | $21 | -49% | $-41 |
| Bradley | Travelers | $18 | -56% | $-47 |
| Branch | Travelers | $19 | -59% | $-58 |
| Brant | Travelers | $22 | -54% | $-52 |
| Breckenridge | Travelers | $18 | -58% | $-50 |
| Breedsville | Travelers | $18 | -58% | $-51 |
| Brethren | Travelers | $21 | -55% | $-51 |
| Bridgeport | Travelers | $23 | -48% | $-44 |
| Bridgman | Travelers | $18 | -55% | $-45 |
| Brighton | Travelers | $18 | -57% | $-49 |
| Brimley | Geico | $35 | -43% | $-35 |
| Britton | Travelers | $18 | -57% | $-49 |
| Brohman | Travelers | $18 | -62% | $-60 |
| Bronson | Travelers | $18 | -57% | $-49 |
| Brooklyn | Geico | $40 | -41% | $-36 |
| Brown City | Travelers | $21 | -54% | $-51 |
| Bruce Crossing | Travelers | $20 | -53% | $-48 |
| Brutus | Geico | $27 | -56% | $-45 |
| Buchanan | Travelers | $18 | -55% | $-45 |
| Buckley | Travelers | $21 | -55% | $-52 |
| Burlington | Travelers | $18 | -59% | $-53 |
| Burnips | Travelers | $18 | -55% | $-45 |
| Burr Oak | Travelers | $18 | -59% | $-52 |
| Burt | Travelers | $22 | -53% | $-51 |
| Burt Lake | Travelers | $22 | -46% | $-38 |
| Burton | Travelers | $22 | -57% | $-61 |
| Byron | Travelers | $18 | -59% | $-53 |
| Byron Center | Travelers | $18 | -56% | $-48 |
| Cadillac | Travelers | $21 | -50% | $-43 |
| Caledonia | Travelers | $18 | -57% | $-51 |
| Calumet | Geico | $31 | -51% | $-42 |
| Camden | Travelers | $18 | -60% | $-55 |
| Canadian Lakes | Travelers | $18 | -62% | $-61 |
| Cannonsburg | Travelers | $21 | -51% | $-45 |
| Canton | Geico | $52 | -37% | $-40 |
| Capac | Travelers | $21 | -56% | $-56 |
| Carleton | Travelers | $21 | -55% | $-53 |
| Carney | Travelers | $20 | -54% | $-49 |
| Caro | Travelers | $21 | -54% | $-51 |
| Carp Lake | Geico | $27 | -55% | $-44 |
| Carrollton | Travelers | $23 | -47% | $-43 |
| Carson City | Travelers | $18 | -62% | $-60 |
| Carsonville | Travelers | $21 | -57% | $-57 |
| Casco | Travelers | $21 | -54% | $-52 |
| Caseville | Travelers | $21 | -52% | $-46 |
| Casnovia | Travelers | $18 | -58% | $-51 |
| Caspian | Travelers | $20 | -52% | $-45 |
| Cass City | Travelers | $21 | -55% | $-54 |
| Cassopolis | Travelers | $18 | -60% | $-54 |
| Cedar | Travelers | $21 | -47% | $-39 |
| Cedar Lake | Travelers | $18 | -62% | $-60 |
| Cedar Springs | Travelers | $21 | -53% | $-48 |
| Cedarville | Geico | $35 | -43% | $-36 |
| Cement City | Travelers | $18 | -60% | $-54 |
| Center Line | Travelers | $29 | -58% | $-83 |
| Central Lake | Travelers | $21 | -50% | $-42 |
| Centreville | Travelers | $18 | -57% | $-48 |
| Ceresco | Travelers | $18 | -57% | $-49 |
| Champion | Travelers | $20 | -50% | $-42 |
| Channing | Travelers | $20 | -51% | $-43 |
| Charlevoix | Travelers | $21 | -50% | $-42 |
| Charlotte | Travelers | $18 | -59% | $-52 |
| Chase | Travelers | $19 | -59% | $-58 |
| Chassell | Geico | $31 | -50% | $-41 |
| Chatham | Travelers | $20 | -52% | $-46 |
| Cheboygan | Travelers | $22 | -46% | $-38 |
| Chelsea | Travelers | $21 | -50% | $-44 |
| Chesaning | Travelers | $22 | -50% | $-45 |
| Chippewa Lake | Travelers | $18 | -61% | $-57 |
| Clare | Travelers | $19 | -57% | $-52 |
| Clarklake | Geico | $40 | -40% | $-36 |
| Clarkston | Travelers | $21 | -55% | $-53 |
| Clarksville | Travelers | $18 | -61% | $-56 |
| Clawson | Travelers | $28 | -42% | $-43 |
| Clayton | Travelers | $18 | -57% | $-49 |
| Clifford | Travelers | $21 | -55% | $-53 |
| Climax | Travelers | $18 | -56% | $-47 |
| Clinton | Travelers | $18 | -56% | $-46 |
| Clio | Travelers | $23 | -52% | $-51 |
| Cloverdale | Travelers | $18 | -57% | $-49 |
| Coldwater | Travelers | $18 | -57% | $-48 |
| Coleman | Travelers | $21 | -49% | $-42 |
| Colon | Travelers | $18 | -57% | $-49 |
| Columbiaville | Travelers | $21 | -54% | $-50 |
| Columbus | Travelers | $21 | -53% | $-51 |
| Comins | Travelers | $22 | -50% | $-45 |
| Comstock Park | Travelers | $21 | -50% | $-42 |
| Concord | Geico | $40 | -42% | $-38 |
| Conklin | Travelers | $18 | -55% | $-46 |
| Constantine | Travelers | $18 | -56% | $-47 |
| Cooks | Travelers | $20 | -53% | $-46 |
| Coopersville | Travelers | $18 | -55% | $-45 |
| Copemish | Travelers | $21 | -55% | $-51 |
| Copper City | Geico | $31 | -50% | $-40 |
| Copper Harbor | Geico | $31 | -51% | $-42 |
| Coral | Travelers | $18 | -62% | $-61 |
| Cornell | Travelers | $20 | -52% | $-46 |
| Corunna | Travelers | $18 | -58% | $-50 |
| Covert | Travelers | $18 | -56% | $-46 |
| Covington | Travelers | $20 | -50% | $-41 |
| Cross Village | Geico | $27 | -55% | $-44 |
| Croswell | Travelers | $21 | -54% | $-52 |
| Crystal | Travelers | $18 | -62% | $-61 |
| Crystal Falls | Travelers | $20 | -50% | $-42 |
| Curran | Travelers | $22 | -49% | $-43 |
| Curtis | Geico | $35 | -44% | $-37 |
| Custer | Travelers | $19 | -57% | $-53 |
| Dafter | Geico | $35 | -43% | $-35 |
| Daggett | Travelers | $20 | -55% | $-51 |
| Dansville | Travelers | $18 | -58% | $-51 |
| Davisburg | Travelers | $21 | -54% | $-51 |
| Davison | Travelers | $23 | -50% | $-46 |
| Decatur | Travelers | $18 | -59% | $-52 |
| Decker | Travelers | $21 | -55% | $-54 |
| Deckerville | Travelers | $21 | -56% | $-56 |
| Deerfield | Travelers | $18 | -57% | $-48 |
| Deerton | Travelers | $20 | -49% | $-40 |
| Deford | Travelers | $21 | -54% | $-51 |
| Delton | Travelers | $18 | -59% | $-53 |
| De Tour Village | Geico | $35 | -46% | $-40 |
| Dewitt | Travelers | $20 | -51% | $-43 |
| Dexter | Travelers | $21 | -47% | $-40 |
| Dimondale | Travelers | $20 | -51% | $-42 |
| Dodgeville | Geico | $31 | -50% | $-40 |
| Dollar Bay | Geico | $31 | -49% | $-38 |
| Dorr | Travelers | $18 | -56% | $-47 |
| Douglas | Travelers | $18 | -54% | $-43 |
| Dowagiac | Travelers | $18 | -57% | $-49 |
| Dowling | Travelers | $18 | -60% | $-56 |
| Drayton Plains | Travelers | $21 | -57% | $-58 |
| Drummond Island | Geico | $35 | -47% | $-41 |
| Dryden | Travelers | $21 | -56% | $-55 |
| Dundee | Travelers | $21 | -51% | $-45 |
| Durand | Travelers | $18 | -59% | $-52 |
| Eagle | Travelers | $18 | -56% | $-46 |
| East China | Travelers | $21 | -51% | $-45 |
| East Jordan | Travelers | $21 | -51% | $-44 |
| Eastlake | Travelers | $21 | -54% | $-51 |
| East Leroy | Travelers | $18 | -58% | $-50 |
| Eastpointe | Travelers | $21 | -69% | $-97 |
| Eastport | Travelers | $21 | -49% | $-41 |
| East Tawas | Travelers | $22 | -47% | $-39 |
| Eaton Rapids | Travelers | $18 | -56% | $-47 |
| Eau Claire | Travelers | $18 | -55% | $-45 |
| Eben Junction | Travelers | $20 | -51% | $-44 |
| Eckerman | Geico | $35 | -44% | $-37 |
| Ecorse | Progressive | $84 | -35% | $-61 |
| Edmore | Travelers | $18 | -63% | $-61 |
| Edwardsburg | Travelers | $18 | -60% | $-54 |
| Elberta | Travelers | $21 | -50% | $-42 |
| Elk Rapids | Travelers | $21 | -48% | $-39 |
| Elkton | Travelers | $21 | -52% | $-47 |
| Ellsworth | Travelers | $21 | -50% | $-42 |
| Elm Hall | Travelers | $18 | -59% | $-53 |
| Elmira | Travelers | $21 | -50% | $-42 |
| Elsie | Travelers | $18 | -58% | $-50 |
| Elwell | Travelers | $18 | -58% | $-50 |
| Emmett | Travelers | $21 | -55% | $-54 |
| Empire | Travelers | $21 | -49% | $-40 |
| Engadine | Geico | $35 | -45% | $-38 |
| Erie | Geico | $39 | -51% | $-54 |
| Escanaba | Travelers | $20 | -52% | $-46 |
| Essexville | Geico | $40 | -37% | $-31 |
| Evart | Travelers | $19 | -58% | $-54 |
| Ewen | Travelers | $20 | -51% | $-43 |
| Fairgrove | Travelers | $21 | -51% | $-46 |
| Fair Haven | Travelers | $21 | -55% | $-55 |
| Fairview | Travelers | $22 | -48% | $-42 |
| Falmouth | Travelers | $22 | -51% | $-46 |
| Farwell | Travelers | $19 | -57% | $-52 |
| Felch | Travelers | $20 | -53% | $-47 |
| Fennville | Travelers | $18 | -56% | $-47 |
| Fenton | Travelers | $23 | -50% | $-47 |
| Fenwick | Travelers | $18 | -61% | $-58 |
| Ferndale | Travelers | $29 | -55% | $-73 |
| Fife Lake | Travelers | $21 | -51% | $-45 |
| Filer City | Travelers | $21 | -54% | $-50 |
| Filion | Travelers | $21 | -53% | $-49 |
| Flat Rock | AAA | $46 | -32% | $-37 |
| Flushing | Travelers | $23 | -51% | $-48 |
| Forest Hills | Travelers | $18 | -55% | $-47 |
| Forestville | Travelers | $21 | -57% | $-58 |
| Fort Gratiot | Travelers | $22 | -51% | $-47 |
| Foster City | Travelers | $20 | -53% | $-46 |
| Fostoria | Travelers | $21 | -56% | $-55 |
| Fountain | Travelers | $19 | -58% | $-55 |
| Fowler | Travelers | $18 | -57% | $-48 |
| Fowlerville | Travelers | $18 | -60% | $-55 |
| Frankenmuth | Travelers | $22 | -52% | $-49 |
| Frankfort | Travelers | $21 | -51% | $-44 |
| Fraser | Travelers | $29 | -50% | $-60 |
| Frederic | Travelers | $22 | -46% | $-38 |
| Freeland | Travelers | $22 | -46% | $-39 |
| Freeport | Travelers | $18 | -59% | $-52 |
| Free Soil | Travelers | $19 | -58% | $-54 |
| Fremont | Travelers | $18 | -60% | $-55 |
| Frontier | Travelers | $18 | -59% | $-54 |
| Fruitport | Geico | $33 | -47% | $-38 |
| Fulton | Travelers | $18 | -58% | $-50 |
| Gaastra | Travelers | $20 | -51% | $-43 |
| Gagetown | Travelers | $21 | -55% | $-53 |
| Gaines | Travelers | $23 | -51% | $-49 |
| Galesburg | Travelers | $19 | -53% | $-44 |
| Galien | Travelers | $18 | -56% | $-46 |
| Garden | Travelers | $20 | -53% | $-47 |
| Gaylord | Travelers | $22 | -46% | $-38 |
| Genesee | Travelers | $22 | -55% | $-56 |
| Germfask | Travelers | $20 | -51% | $-43 |
| Gibraltar | Geico | $41 | -50% | $-54 |
| Gladstone | Travelers | $20 | -51% | $-44 |
| Gladwin | Travelers | $19 | -57% | $-51 |
| Glen Arbor | Travelers | $21 | -48% | $-40 |
| Glenn | Travelers | $18 | -54% | $-42 |
| Glennie | Travelers | $22 | -49% | $-44 |
| Gobles | Travelers | $18 | -58% | $-51 |
| Goetzville | Geico | $35 | -45% | $-38 |
| Goodells | Travelers | $22 | -52% | $-50 |
| Good Hart | Geico | $27 | -56% | $-45 |
| Goodrich | Travelers | $23 | -50% | $-47 |
| Gould City | Geico | $35 | -46% | $-39 |
| Gowen | Travelers | $18 | -62% | $-60 |
| Grand Blanc | Travelers | $22 | -52% | $-50 |
| Grand Haven | Travelers | $18 | -52% | $-40 |
| Grand Junction | Travelers | $18 | -58% | $-50 |
| Grand Ledge | Travelers | $18 | -57% | $-48 |
| Grand Marais | Travelers | $20 | -50% | $-43 |
| Grandville | Travelers | $21 | -49% | $-41 |
| Grant | Travelers | $18 | -60% | $-55 |
| Grass Lake | Geico | $40 | -40% | $-35 |
| Grawn | Travelers | $21 | -49% | $-41 |
| Grayling | Travelers | $22 | -46% | $-38 |
| Greenbush | Travelers | $22 | -48% | $-41 |
| Greenville | Travelers | $18 | -61% | $-58 |
| Gregory | Travelers | $18 | -60% | $-55 |
| Grosse Ile | Progressive | $57 | -29% | $-32 |
| Grosse Pointe Park | Travelers | $29 | -55% | $-74 |
| Grosse Pointe Woods | Travelers | $29 | -51% | $-63 |
| Gulliver | Travelers | $20 | -50% | $-42 |
| Gwinn | Travelers | $20 | -50% | $-42 |
| Hagar Shores | Geico | $39 | -36% | $-28 |
| Hale | Travelers | $22 | -49% | $-43 |
| Hamilton | Travelers | $18 | -54% | $-43 |
| Hancock | Geico | $31 | -49% | $-39 |
| Hanover | Geico | $40 | -44% | $-42 |
| Harbert | Travelers | $18 | -55% | $-44 |
| Harbor Beach | Travelers | $21 | -55% | $-53 |
| Harbor Springs | Geico | $27 | -56% | $-44 |
| Harper Woods | Travelers | $29 | -65% | $-114 |
| Harrietta | Travelers | $21 | -55% | $-52 |
| Harrison | Travelers | $19 | -57% | $-52 |
| Harrison Township | Travelers | $28 | -52% | $-63 |
| Harrisville | Travelers | $22 | -51% | $-47 |
| Harsens Island | Travelers | $21 | -53% | $-51 |
| Hart | Travelers | $18 | -59% | $-52 |
| Hartford | Travelers | $18 | -57% | $-49 |
| Hartland | Travelers | $18 | -59% | $-53 |
| Haslett | Travelers | $20 | -50% | $-41 |
| Hastings | Travelers | $18 | -59% | $-53 |
| Hawks | Travelers | $22 | -47% | $-41 |
| Hazel Park | Travelers | $29 | -59% | $-88 |
| Hemlock | Travelers | $22 | -50% | $-44 |
| Henderson | Travelers | $18 | -58% | $-50 |
| Hermansville | Travelers | $20 | -54% | $-48 |
| Herron | Travelers | $22 | -46% | $-38 |
| Hersey | Travelers | $19 | -57% | $-53 |
| Hesperia | Travelers | $18 | -62% | $-60 |
| Hessel | Geico | $35 | -42% | $-34 |
| Hickory Corners | Travelers | $18 | -59% | $-52 |
| Higgins Lake | Travelers | $22 | -49% | $-44 |
| Highland | Travelers | $21 | -54% | $-52 |
| Hillman | Travelers | $22 | -50% | $-45 |
| Hillsdale | Travelers | $18 | -59% | $-53 |
| Holland | Travelers | $18 | -53% | $-42 |
| Holly | Travelers | $21 | -56% | $-55 |
| Holt | Travelers | $20 | -52% | $-44 |
| Holton | Travelers | $18 | -58% | $-50 |
| Homer | Travelers | $18 | -61% | $-58 |
| Honor | Travelers | $21 | -50% | $-43 |
| Hope | Travelers | $21 | -49% | $-41 |
| Hopkins | Travelers | $18 | -55% | $-45 |
| Horton | Geico | $40 | -43% | $-41 |
| Houghton | Geico | $31 | -49% | $-39 |
| Houghton Lake | Travelers | $22 | -50% | $-45 |
| Houghton Lake Heights | Travelers | $22 | -50% | $-45 |
| Howard City | Travelers | $18 | -62% | $-59 |
| Howell | Travelers | $18 | -58% | $-51 |
| Hubbard Lake | Travelers | $22 | -48% | $-41 |
| Hubbardston | Travelers | $18 | -62% | $-60 |
| Hubbell | Geico | $31 | -52% | $-43 |
| Hudson | Travelers | $18 | -58% | $-50 |
| Hudsonville | Travelers | $18 | -54% | $-42 |
| Hulbert | Geico | $35 | -43% | $-35 |
| Huntington Woods | Travelers | $29 | -46% | $-51 |
| Ida | Travelers | $21 | -53% | $-50 |
| Idlewild | Travelers | $19 | -60% | $-59 |
| Imlay City | Travelers | $21 | -54% | $-52 |
| Indian River | Travelers | $22 | -49% | $-43 |
| Ingalls | Travelers | $20 | -53% | $-48 |
| Inkster | Geico | $64 | -43% | $-65 |
| Interlochen | Travelers | $21 | -49% | $-40 |
| Ionia | Travelers | $18 | -60% | $-56 |
| Iron Mountain | Travelers | $20 | -48% | $-39 |
| Iron River | Travelers | $20 | -50% | $-42 |
| Irons | Travelers | $19 | -59% | $-56 |
| Ironwood | Travelers | $20 | -51% | $-43 |
| Ishpeming | Travelers | $20 | -49% | $-41 |
| Ithaca | Travelers | $18 | -58% | $-50 |
| Jackson | Travelers | $24 | -43% | $-38 |
| Jasper | Travelers | $18 | -56% | $-47 |
| Jeddo | Travelers | $21 | -53% | $-49 |
| Jenison | Travelers | $18 | -53% | $-42 |
| Jerome | Travelers | $18 | -60% | $-56 |
| Johannesburg | Travelers | $22 | -47% | $-40 |
| Jones | Travelers | $18 | -58% | $-50 |
| Jonesville | Travelers | $18 | -60% | $-55 |
| Kaleva | Travelers | $21 | -54% | $-51 |
| Kalkaska | Travelers | $21 | -51% | $-44 |
| Kawkawlin | Travelers | $20 | -49% | $-39 |
| Kearsarge | Geico | $31 | -51% | $-42 |
| Keego Harbor | Travelers | $21 | -62% | $-70 |
| Kendall | Travelers | $18 | -58% | $-50 |
| Kent City | Travelers | $21 | -52% | $-47 |
| Kewadin | Travelers | $21 | -49% | $-41 |
| Kincheloe | Geico | $35 | -43% | $-36 |
| Kinde | Travelers | $21 | -52% | $-48 |
| Kingsford | Travelers | $20 | -48% | $-39 |
| Kingsley | Travelers | $21 | -51% | $-44 |
| Kingston | Travelers | $21 | -56% | $-55 |
| Kinross | Geico | $35 | -43% | $-35 |
| Lachine | Travelers | $22 | -47% | $-39 |
| Lacota | Travelers | $18 | -58% | $-51 |
| Laingsburg | Travelers | $18 | -58% | $-50 |
| Lake | Travelers | $19 | -58% | $-55 |
| Lake Ann | Travelers | $21 | -49% | $-40 |
| Lake City | Travelers | $22 | -50% | $-45 |
| Lake George | Travelers | $19 | -57% | $-52 |
| Lakeland | Travelers | $18 | -60% | $-54 |
| Lake Leelanau | Travelers | $21 | -48% | $-39 |
| Lake Linden | Geico | $31 | -51% | $-42 |
| Lake Odessa | Travelers | $18 | -61% | $-56 |
| Lake Orion | Travelers | $21 | -55% | $-53 |
| Lakeside | Travelers | $18 | -56% | $-46 |
| Lakeview | Travelers | $18 | -62% | $-61 |
| Lakeville | Travelers | $21 | -57% | $-59 |
| Lambertville | Travelers | $21 | -54% | $-51 |
| Lamont | Travelers | $18 | -55% | $-45 |
| L'Anse | Travelers | $20 | -50% | $-42 |
| Lapeer | Travelers | $21 | -52% | $-48 |
| La Salle | Geico | $39 | -48% | $-48 |
| Lawrence | Travelers | $18 | -58% | $-51 |
| Lawton | Travelers | $18 | -57% | $-49 |
| Leland | Travelers | $21 | -47% | $-38 |
| Lennon | Travelers | $18 | -58% | $-51 |
| Leonard | Travelers | $21 | -57% | $-57 |
| Leonidas | Travelers | $18 | -58% | $-50 |
| Leroy | Travelers | $19 | -58% | $-54 |
| Leslie | Travelers | $18 | -60% | $-55 |
| Levering | Geico | $27 | -56% | $-45 |
| Lewiston | Travelers | $22 | -48% | $-42 |
| Lexington | Travelers | $21 | -54% | $-51 |
| Lincoln | Travelers | $22 | -51% | $-46 |
| Linden | Travelers | $23 | -51% | $-49 |
| Linwood | Travelers | $20 | -51% | $-43 |
| Litchfield | Travelers | $18 | -59% | $-52 |
| Little Lake | Travelers | $20 | -50% | $-43 |
| Long Lake | Travelers | $22 | -49% | $-43 |
| Loretto | Travelers | $20 | -52% | $-46 |
| Lowell | Travelers | $21 | -51% | $-45 |
| Ludington | Travelers | $19 | -54% | $-47 |
| Luna Pier | Travelers | $21 | -57% | $-58 |
| Lupton | Travelers | $22 | -49% | $-43 |
| Luther | Travelers | $19 | -60% | $-58 |
| Luzerne | Travelers | $22 | -49% | $-43 |
| Lyons | Travelers | $18 | -62% | $-60 |
| Macatawa | Travelers | $18 | -55% | $-45 |
| Mackinac Island | Geico | $35 | -40% | $-32 |
| Mackinaw City | Travelers | $22 | -47% | $-40 |
| Macomb | Travelers | $21 | -61% | $-68 |
| Madison Heights | Travelers | $21 | -60% | $-66 |
| Mancelona | Travelers | $21 | -50% | $-42 |
| Manchester | Travelers | $21 | -52% | $-47 |
| Manistee | Travelers | $21 | -53% | $-49 |
| Manistique | Travelers | $20 | -53% | $-47 |
| Manitou Beach-Devils Lake | Travelers | $18 | -58% | $-51 |
| Manton | Travelers | $21 | -54% | $-51 |
| Maple City | Travelers | $21 | -48% | $-39 |
| Maple Rapids | Travelers | $18 | -57% | $-50 |
| Marcellus | Travelers | $18 | -57% | $-49 |
| Marenisco | Travelers | $20 | -51% | $-43 |
| Marine City | Travelers | $21 | -52% | $-47 |
| Marion | Travelers | $19 | -59% | $-56 |
| Marlette | Travelers | $21 | -56% | $-56 |
| Marne | Travelers | $18 | -56% | $-47 |
| Marshall | Travelers | $18 | -58% | $-50 |
| Martin | Travelers | $18 | -57% | $-48 |
| Marysville | Travelers | $21 | -48% | $-41 |
| Mason | Travelers | $18 | -58% | $-50 |
| Mass City | Travelers | $20 | -52% | $-45 |
| Mattawan | Travelers | $18 | -57% | $-49 |
| Maybee | Travelers | $21 | -51% | $-46 |
| Mayville | Travelers | $21 | -55% | $-53 |
| McBain | Travelers | $22 | -50% | $-45 |
| McBride | Travelers | $18 | -62% | $-61 |
| McMillan | Geico | $35 | -44% | $-36 |
| Mears | Travelers | $18 | -60% | $-55 |
| Mecosta | Travelers | $18 | -62% | $-60 |
| Melvin | Travelers | $21 | -55% | $-53 |
| Melvindale | AAA | $63 | -38% | $-65 |
| Memphis | Travelers | $21 | -56% | $-56 |
| Mendon | Travelers | $18 | -58% | $-50 |
| Menominee | Travelers | $20 | -50% | $-41 |
| Merrill | Travelers | $22 | -50% | $-44 |
| Merritt | Travelers | $22 | -51% | $-47 |
| Mesick | Travelers | $21 | -55% | $-52 |
| Metamora | Travelers | $21 | -55% | $-53 |
| Michigamme | Travelers | $20 | -50% | $-42 |
| Michigan Center | Travelers | $19 | -55% | $-48 |
| Middleton | Travelers | $18 | -58% | $-51 |
| Middleville | Travelers | $18 | -58% | $-51 |
| Midland | Travelers | $21 | -46% | $-37 |
| Mikado | Travelers | $22 | -49% | $-43 |
| Milan | Travelers | $21 | -49% | $-41 |
| Milford | Travelers | $21 | -53% | $-50 |
| Millersburg | Travelers | $22 | -51% | $-46 |
| Millington | Travelers | $21 | -55% | $-54 |
| Minden City | Travelers | $21 | -56% | $-56 |
| Mio | Travelers | $22 | -49% | $-43 |
| Mohawk | Geico | $31 | -52% | $-43 |
| Moline | Travelers | $18 | -57% | $-48 |
| Monroe | Geico | $39 | -48% | $-47 |
| Montague | Travelers | $18 | -57% | $-48 |
| Montgomery | Travelers | $18 | -58% | $-51 |
| Montrose | Travelers | $23 | -49% | $-45 |
| Moran | Geico | $35 | -41% | $-33 |
| Morenci | Travelers | $18 | -56% | $-47 |
| Morley | Travelers | $18 | -61% | $-58 |
| Morrice | Travelers | $18 | -58% | $-51 |
| Mosherville | Travelers | $18 | -60% | $-55 |
| Mount Clemens | Travelers | $28 | -53% | $-65 |
| Mount Morris | Travelers | $22 | -59% | $-67 |
| Muir | Travelers | $18 | -62% | $-59 |
| Mullett Lake | Travelers | $22 | -47% | $-40 |
| Mulliken | Travelers | $18 | -58% | $-50 |
| Munger | Travelers | $20 | -51% | $-43 |
| Munising | Travelers | $20 | -52% | $-45 |
| Munith | Geico | $40 | -43% | $-40 |
| Muskegon Heights | Geico | $38 | -45% | $-41 |
| Nadeau | Travelers | $20 | -52% | $-46 |
| Nashville | Travelers | $18 | -60% | $-55 |
| National City | Travelers | $22 | -48% | $-41 |
| National Mine | Travelers | $20 | -51% | $-44 |
| Naubinway | Geico | $35 | -44% | $-37 |
| Nazareth | Travelers | $18 | -59% | $-52 |
| Negaunee | Travelers | $20 | -48% | $-39 |
| Newaygo | Travelers | $18 | -61% | $-57 |
| New Baltimore | Travelers | $21 | -59% | $-64 |
| Newberry | Geico | $35 | -44% | $-37 |
| New Boston | Geico | $48 | -48% | $-58 |
| New Buffalo | Travelers | $18 | -57% | $-48 |
| New Era | Travelers | $18 | -57% | $-49 |
| New Haven | Travelers | $21 | -61% | $-68 |
| New Hudson | Travelers | $21 | -53% | $-50 |
| New Lothrop | Travelers | $22 | -51% | $-46 |
| Newport | Travelers | $21 | -56% | $-56 |
| New Troy | Travelers | $18 | -56% | $-46 |
| Niles | Travelers | $18 | -58% | $-51 |
| Nisula | Geico | $31 | -52% | $-44 |
| North Adams | Travelers | $18 | -59% | $-53 |
| North Branch | Travelers | $21 | -54% | $-52 |
| Northport | Travelers | $21 | -47% | $-38 |
| North Street | Travelers | $22 | -50% | $-45 |
| Northview | Travelers | $21 | -50% | $-43 |
| Northville | Geico | $48 | -34% | $-32 |
| Norton Shores | Geico | $33 | -48% | $-41 |
| Norvell | Geico | $40 | -43% | $-40 |
| Norway | Travelers | $20 | -50% | $-41 |
| Nunica | Travelers | $18 | -55% | $-45 |
| Oakland | Travelers | $21 | -55% | $-54 |
| Oakley | Travelers | $22 | -51% | $-46 |
| Oak Park | Travelers | $29 | -62% | $-100 |
| Oden | Geico | $27 | -56% | $-45 |
| Okemos | Travelers | $20 | -49% | $-40 |
| Old Mission | Travelers | $21 | -48% | $-39 |
| Olivet | Travelers | $18 | -57% | $-49 |
| Omena | Travelers | $21 | -48% | $-39 |
| Omer | Travelers | $19 | -55% | $-49 |
| Onaway | Travelers | $22 | -50% | $-45 |
| Onekama | Travelers | $21 | -53% | $-48 |
| Onondaga | Travelers | $18 | -60% | $-55 |
| Onsted | Travelers | $18 | -58% | $-50 |
| Ontonagon | Travelers | $20 | -50% | $-42 |
| Orleans | Travelers | $18 | -61% | $-58 |
| Ortonville | Travelers | $21 | -57% | $-58 |
| Oscoda | Travelers | $22 | -48% | $-41 |
| Osseo | Travelers | $18 | -59% | $-53 |
| Ossineke | Travelers | $22 | -45% | $-36 |
| Otisville | Travelers | $23 | -52% | $-51 |
| Otsego | Travelers | $18 | -55% | $-45 |
| Ottawa Lake | Travelers | $21 | -56% | $-54 |
| Otter Lake | Travelers | $21 | -56% | $-55 |
| Ovid | Travelers | $18 | -58% | $-50 |
| Owendale | Travelers | $21 | -53% | $-49 |
| Owosso | Travelers | $18 | -58% | $-50 |
| Oxford | Travelers | $21 | -55% | $-54 |
| Painesdale | Geico | $31 | -51% | $-41 |
| Palmer | Travelers | $20 | -47% | $-37 |
| Palmyra | Travelers | $18 | -57% | $-48 |
| Palo | Travelers | $18 | -61% | $-58 |
| Paradise | Geico | $35 | -45% | $-38 |
| Paris | Travelers | $18 | -61% | $-56 |
| Parma | Travelers | $19 | -56% | $-51 |
| Paw Paw | Travelers | $18 | -58% | $-50 |
| Paw Paw Lake | Geico | $39 | -35% | $-28 |
| Peck | Travelers | $21 | -55% | $-53 |
| Pelkie | Geico | $31 | -51% | $-42 |
| Pellston | Geico | $27 | -57% | $-47 |
| Pentwater | Travelers | $18 | -58% | $-51 |
| Perkins | Travelers | $20 | -53% | $-48 |
| Perrinton | Travelers | $18 | -58% | $-50 |
| Perronville | Travelers | $20 | -53% | $-47 |
| Perry | Travelers | $18 | -58% | $-51 |
| Petersburg | Travelers | $21 | -54% | $-52 |
| Petoskey | Geico | $27 | -55% | $-43 |
| Pewamo | Travelers | $18 | -61% | $-57 |
| Pickford | Geico | $35 | -44% | $-37 |
| Pierson | Travelers | $18 | -62% | $-61 |
| Pigeon | Travelers | $21 | -52% | $-47 |
| Pinckney | Travelers | $18 | -58% | $-51 |
| Pinconning | Travelers | $20 | -54% | $-48 |
| Pittsford | Travelers | $18 | -60% | $-54 |
| Plainwell | Travelers | $18 | -55% | $-44 |
| Pleasant Lake | Geico | $40 | -43% | $-40 |
| Pleasant Ridge | Travelers | $21 | -61% | $-68 |
| Plymouth | Geico | $52 | -31% | $-30 |
| Pointe Aux Pins | Geico | $35 | -40% | $-31 |
| Pompeii | Travelers | $18 | -57% | $-49 |
| Port Austin | Travelers | $21 | -53% | $-48 |
| Port Hope | Travelers | $21 | -55% | $-53 |
| Port Huron | Travelers | $22 | -51% | $-47 |
| Portland | Travelers | $18 | -59% | $-54 |
| Port Sanilac | Travelers | $21 | -56% | $-55 |
| Posen | Travelers | $22 | -46% | $-38 |
| Potterville | Travelers | $18 | -58% | $-50 |
| Powers | Travelers | $20 | -53% | $-47 |
| Prescott | Travelers | $22 | -51% | $-46 |
| Presque Isle Harbor | Travelers | $22 | -46% | $-38 |
| Prudenville | Travelers | $22 | -49% | $-43 |
| Pullman | Travelers | $18 | -58% | $-50 |
| Quincy | Travelers | $18 | -57% | $-48 |
| Quinnesec | Travelers | $20 | -49% | $-40 |
| Ralph | Travelers | $20 | -53% | $-47 |
| Ramsay | Travelers | $20 | -51% | $-44 |
| Rapid City | Travelers | $21 | -51% | $-45 |
| Rapid River | Travelers | $20 | -53% | $-48 |
| Ravenna | Travelers | $18 | -59% | $-52 |
| Ray | Travelers | $21 | -59% | $-63 |
| Reading | Travelers | $18 | -59% | $-53 |
| Redford | Geico | $66 | -43% | $-65 |
| Reed City | Travelers | $19 | -58% | $-54 |
| Reese | Travelers | $21 | -51% | $-46 |
| Remus | Travelers | $18 | -61% | $-58 |
| Republic | Travelers | $20 | -50% | $-41 |
| Rhodes | Travelers | $19 | -60% | $-59 |
| Richland | Travelers | $19 | -53% | $-45 |
| Richmond | Travelers | $21 | -58% | $-61 |
| Richville | Travelers | $21 | -54% | $-52 |
| Riga | Travelers | $18 | -56% | $-46 |
| Riverdale | Travelers | $18 | -59% | $-53 |
| River Rouge | Geico | $74 | -46% | $-83 |
| Riverview | Geico | $52 | -39% | $-44 |
| Rives Junction | Geico | $40 | -42% | $-38 |
| Rock | Travelers | $20 | -54% | $-48 |
| Rockford | Travelers | $18 | -56% | $-49 |
| Rockland | Travelers | $20 | -52% | $-44 |
| Rodney | Travelers | $18 | -61% | $-57 |
| Rogers City | Travelers | $22 | -49% | $-43 |
| Romeo | Travelers | $21 | -57% | $-57 |
| Romulus | Geico | $41 | -60% | $-81 |
| Roscommon | Travelers | $22 | -49% | $-44 |
| Rosebush | Travelers | $18 | -58% | $-51 |
| Rose City | Travelers | $22 | -50% | $-45 |
| Rothbury | Travelers | $18 | -61% | $-57 |
| Rudyard | Geico | $35 | -42% | $-34 |
| Ruth | Travelers | $21 | -55% | $-54 |
| Sagola | Travelers | $20 | -52% | $-45 |
| Saint Clair | Travelers | $21 | -50% | $-44 |
| Saint Helen | Travelers | $22 | -49% | $-43 |
| Salem | Travelers | $21 | -55% | $-54 |
| Saline | Travelers | $21 | -47% | $-39 |
| Samaria | Travelers | $21 | -54% | $-52 |
| Sand Creek | Travelers | $18 | -57% | $-48 |
| Sand Lake | Travelers | $21 | -53% | $-49 |
| Sandusky | Travelers | $21 | -55% | $-53 |
| Sanford | Travelers | $21 | -49% | $-41 |
| Saranac | Travelers | $18 | -61% | $-56 |
| Saugatuck | Travelers | $18 | -54% | $-42 |
| Sault Ste. Marie | Geico | $35 | -42% | $-33 |
| Sawyer | Travelers | $18 | -54% | $-43 |
| Schoolcraft | Travelers | $18 | -55% | $-44 |
| Scotts | Travelers | $19 | -53% | $-44 |
| Scottville | Travelers | $19 | -58% | $-53 |
| Sears | Travelers | $19 | -59% | $-58 |
| Sebewaing | Travelers | $21 | -53% | $-50 |
| Seney | Travelers | $20 | -50% | $-42 |
| Shaftsburg | Travelers | $18 | -59% | $-53 |
| Shelby | Travelers | $18 | -58% | $-50 |
| Shelbyville | Travelers | $18 | -56% | $-47 |
| Shepherd | Travelers | $18 | -58% | $-50 |
| Sheridan | Travelers | $18 | -63% | $-62 |
| Sherwood | Travelers | $18 | -58% | $-50 |
| Shingleton | Travelers | $20 | -52% | $-45 |
| Sidnaw | Geico | $31 | -50% | $-40 |
| Sidney | Travelers | $18 | -62% | $-59 |
| Silverwood | Travelers | $21 | -55% | $-53 |
| Six Lakes | Travelers | $18 | -63% | $-62 |
| Skandia | Travelers | $20 | -49% | $-41 |
| Skanee | Travelers | $20 | -52% | $-46 |
| Smiths Creek | Travelers | $22 | -49% | $-44 |
| Smyrna | Travelers | $18 | -60% | $-56 |
| Snover | Travelers | $21 | -56% | $-55 |
| Sodus | Geico | $39 | -37% | $-30 |
| Somerset Center | Travelers | $18 | -59% | $-54 |
| South Boardman | Travelers | $21 | -54% | $-51 |
| South Branch | Travelers | $22 | -52% | $-48 |
| Southgate | Geico | $52 | -42% | $-50 |
| South Haven | Travelers | $18 | -56% | $-47 |
| South Lyon | Travelers | $21 | -52% | $-47 |
| South Range | Geico | $31 | -50% | $-40 |
| South Rockwood | Travelers | $21 | -56% | $-55 |
| Spalding | Travelers | $20 | -52% | $-46 |
| Sparta | Travelers | $21 | -50% | $-43 |
| Spring Arbor | Travelers | $19 | -55% | $-48 |
| Spring Lake | Travelers | $18 | -53% | $-41 |
| Springport | Geico | $40 | -45% | $-43 |
| Spruce | Travelers | $22 | -46% | $-38 |
| Standish | Travelers | $19 | -54% | $-47 |
| Stanton | Travelers | $18 | -63% | $-62 |
| St. Charles | Travelers | $22 | -54% | $-52 |
| Stephenson | Travelers | $20 | -53% | $-47 |
| Sterling | Travelers | $19 | -56% | $-49 |
| Stevensville | Geico | $39 | -32% | $-25 |
| St. Ignace | Geico | $35 | -40% | $-31 |
| St. Johns | Travelers | $18 | -56% | $-46 |
| St. Joseph | Geico | $39 | -30% | $-22 |
| St. Louis | Travelers | $18 | -58% | $-51 |
| Stockbridge | Travelers | $23 | -59% | $-68 |
| Sturgis | Travelers | $18 | -59% | $-53 |
| Sumner | Travelers | $18 | -59% | $-53 |
| Sunfield | Travelers | $18 | -58% | $-51 |
| Suttons Bay | Travelers | $21 | -48% | $-39 |
| Swartz Creek | Travelers | $22 | -51% | $-49 |
| Sylvan Beach | Travelers | $18 | -55% | $-44 |
| Tawas City | Travelers | $22 | -47% | $-40 |
| Tecumseh | Travelers | $18 | -56% | $-47 |
| Tekonsha | Travelers | $18 | -61% | $-57 |
| Temperance | Travelers | $21 | -54% | $-51 |
| Thompsonville | Travelers | $21 | -52% | $-46 |
| Three Oaks | Travelers | $18 | -57% | $-49 |
| Three Rivers | Travelers | $18 | -56% | $-47 |
| Tipton | Travelers | $18 | -57% | $-49 |
| Toivola | Geico | $31 | -52% | $-44 |
| Topinabee | Travelers | $22 | -48% | $-41 |
| Tower | Travelers | $22 | -52% | $-48 |
| Traverse City | Travelers | $21 | -48% | $-39 |
| Trenary | Travelers | $20 | -53% | $-46 |
| Trenton | AAA | $46 | -33% | $-39 |
| Trout Creek | Geico | $31 | -53% | $-46 |
| Trout Lake | Geico | $35 | -42% | $-33 |
| Trufant | Travelers | $18 | -62% | $-61 |
| Turner | Travelers | $19 | -57% | $-53 |
| Tustin | Travelers | $19 | -57% | $-52 |
| Twining | Travelers | $19 | -58% | $-54 |
| Twin Lake | Travelers | $18 | -58% | $-50 |
| Ubly | Travelers | $21 | -55% | $-53 |
| Union | Travelers | $18 | -57% | $-49 |
| Union City | Travelers | $18 | -59% | $-52 |
| Union Lake | Travelers | $25 | -49% | $-50 |
| Union Pier | Travelers | $18 | -57% | $-48 |
| Unionville | Travelers | $21 | -54% | $-51 |
| University Center | Travelers | $20 | -49% | $-39 |
| Utica | Travelers | $21 | -61% | $-68 |
| Vandalia | Travelers | $18 | -59% | $-53 |
| Vanderbilt | Travelers | $22 | -47% | $-39 |
| Vassar | Travelers | $21 | -54% | $-51 |
| Vermontville | Travelers | $18 | -60% | $-54 |
| Vernon | Travelers | $18 | -58% | $-51 |
| Vestaburg | Travelers | $18 | -62% | $-60 |
| Vicksburg | Travelers | $18 | -56% | $-47 |
| Vulcan | Travelers | $20 | -54% | $-49 |
| Wakefield | Travelers | $20 | -51% | $-43 |
| Waldron | Travelers | $18 | -60% | $-54 |
| Walhalla | Travelers | $19 | -57% | $-52 |
| Walker | Travelers | $21 | -50% | $-44 |
| Walkerville | Travelers | $18 | -62% | $-61 |
| Wallace | Travelers | $20 | -51% | $-43 |
| Walled Lake | Travelers | $25 | -49% | $-50 |
| Walloon Lake | Travelers | $21 | -48% | $-40 |
| Washington | Travelers | $21 | -57% | $-58 |
| Waterford | Travelers | $29 | -42% | $-43 |
| Waters | Travelers | $22 | -47% | $-39 |
| Watersmeet | Travelers | $20 | -51% | $-44 |
| Watervliet | Travelers | $18 | -56% | $-46 |
| Watton | Travelers | $20 | -50% | $-42 |
| Wayland | Travelers | $18 | -56% | $-47 |
| Wayne | AAA | $48 | -39% | $-51 |
| Webberville | Travelers | $18 | -59% | $-54 |
| Weidman | Travelers | $18 | -58% | $-51 |
| Wells | Travelers | $20 | -52% | $-46 |
| Wellston | Travelers | $21 | -55% | $-51 |
| West Bloomfield | Travelers | $28 | -51% | $-62 |
| West Branch | Travelers | $22 | -49% | $-43 |
| West Olive | Travelers | $18 | -54% | $-43 |
| Weston | Travelers | $18 | -58% | $-50 |
| Westphalia | Travelers | $18 | -56% | $-46 |
| Wetmore | Travelers | $20 | -53% | $-47 |
| Wheeler | Travelers | $18 | -58% | $-51 |
| White Cloud | Travelers | $18 | -62% | $-60 |
| Whitehall | Travelers | $18 | -55% | $-45 |
| White Lake | Travelers | $25 | -48% | $-47 |
| White Pigeon | Travelers | $18 | -59% | $-52 |
| White Pine | Travelers | $20 | -50% | $-42 |
| Whitmore Lake | Travelers | $18 | -57% | $-49 |
| Whittaker | Travelers | $21 | -52% | $-47 |
| Whittemore | Travelers | $22 | -48% | $-42 |
| Williamsburg | Travelers | $21 | -50% | $-42 |
| Williamston | Travelers | $18 | -56% | $-47 |
| Willis | Travelers | $21 | -54% | $-51 |
| Wilson | Travelers | $20 | -53% | $-47 |
| Winn | Travelers | $18 | -59% | $-53 |
| Wixom | Travelers | $21 | -56% | $-56 |
| Wolverine | Travelers | $22 | -49% | $-43 |
| Woodland | Travelers | $18 | -60% | $-55 |
| Wyandotte | Geico | $52 | -39% | $-44 |
| Yale | Travelers | $21 | -55% | $-54 |
| Ypsilanti | Travelers | $21 | -56% | $-55 |
| Zeeland | Travelers | $18 | -54% | $-42 |
*The lowest rate referenced is for a minimum coverage policy for a 40-year-old with good credit and no driving violations.
Cheapest Car Insurance in Michigan By Driver Age Group
We analyzed car insurance rates across Michigan for three age groups: young drivers (16 to 25), adult drivers (26 to 64) and seniors (65+). Here are the providers that offer the best deals:
- Young drivers can get the lowest rates from GEICO, starting at $69 per month
- Adult drivers find the best deals with Travelers, with rates from $23 per month
- Senior drivers see the most affordable coverage through Progressive, beginning at $43 per month
Cheapest Car Insurance For Young Drivers in Michigan
Young drivers in Michigan can find their most affordable coverage with Geico. For minimum coverage, Geico's monthly rate of $69 saves drivers 43% compared to the state average. The company also offers the cheapest full coverage at $125 per month, providing a 55% savings on average.
Data filtered by:Results filtered by:
Select
Coverage Level:State Minimum Liability Only
Select
Gender:Male
Select
Credit Alignment:Good
Select
Driving Record:Clean
| Geico | $69 | $827 | -43% | $-619 |
| Auto Owners | $69 | $832 | -42% | $-614 |
| AAA | $74 | $889 | -38% | $-557 |
| Travelers | $100 | $1,197 | -17% | $-249 |
| Frankenmuth Insurance | $115 | $1,386 | -4% | $-60 |
Cheapest Car Insurance For Adult Drivers in Michigan
Travelers offers Michigan's most affordable car insurance for adults aged 26 to 64. Drivers can get minimum liability coverage for $23 monthly or full coverage for $73 per month.
Data filtered by:Results filtered by:
Select
Coverage Level:State Minimum Liability Only
Select
Gender:Male
Select
Credit Alignment:Good
Select
Driving Record:Clean
| Travelers | $23 | $277 | -64% | $-491 |
| Geico | $43 | $510 | -34% | $-258 |
| AAA | $46 | $552 | -28% | $-216 |
| Auto Owners | $57 | $680 | -12% | $-88 |
| Progressive | $59 | $712 | -7% | $-56 |
Cheapest Car Insurance For Senior Drivers in Michigan
Progressive offers Michigan seniors the most affordable rates for both coverage types, with annual premiums of $1,459 for full coverage and $514 for minimum coverage.
Data filtered by:Results filtered by:
Select
Coverage Level:State Minimum Liability Only
Select
Gender:Male
Select
Credit Alignment:Good
Select
Driving Record:Clean
| Travelers | $43 | $514 | -48% | $-466 |
| AAA | $66 | $797 | -19% | $-182 |
| Progressive | $69 | $830 | -15% | $-149 |
| Frankenmuth Insurance | $74 | $891 | -9% | $-89 |
| Auto Owners | $75 | $896 | -9% | $-84 |
Cheapest Car Insurance For High-Risk Drivers in Michigan
We studied five core areas for profiles insurers consider particularly high-risk in Michigan including those with bad credit, DUIs, accidents, speeding tickets and texting while driving. Here are the providers that offer the best rates for each group:
- Cheapest for Bad Credit: Farm Bureau (From $159/mo)
- Cheapest With a DUI: Progressive (From $134/mo)
- Cheapest With an Accident: Auto-Owners (From $133/mo)
- Cheapest With a Speeding Ticket: Travelers (From $147/mo)
- Cheapest With a Texting While Driving Violation: State Farm (From $41/mo)
Cheapest Car Insurance For Bad Credit in Michigan
Farm Bureau offers Michigan drivers with bad credit the most affordable car insurance rates. Annual premiums start at $745 for minimum liability coverage and competitive rates for full coverage policies with comprehensive and collision protection.
Data filtered by:Results filtered by:
Select
Age Group:Adult Drivers
Select
Coverage Level:100/300/100 Full Cov. w/$1,000 Ded.
Select
Gender:Male
Select
Driving Record:At Fault Accident ($1000-$1999 Prop Dmg)
| Auto Owners | $251 | $3,017 | -39% | $-1,940 |
| Farm Bureau | $190 | $2,275 | -54% | $-2,682 |
| Pioneer State Mutual Insurance | $272 | $3,268 | -34% | $-1,688 |
| Farmers | $261 | $3,137 | -37% | $-1,820 |
| Frankenmuth Insurance | $325 | $3,899 | -21% | $-1,058 |
Cheapest Car Insurance With a DUI in Michigan
Progressive offers the lowest rates for Michigan drivers with a DUI, with annual premiums starting at $863. Farmers provides the second most affordable option in Michigan, with yearly costs of $1,329.
Data filtered by:Results filtered by:
Select
Age Group:Adult Drivers
Select
Coverage Level:100/300/100 Full Cov. w/$1,000 Ded.
Select
Gender:Male
Select
Credit Alignment:Below Fair
| Auto Owners | $370 | $4,444 | -37% | $-2,651 |
| Progressive | $257 | $3,082 | -57% | $-4,013 |
| Farmers | $254 | $3,045 | -57% | $-4,051 |
| Pioneer State Mutual Insurance | $358 | $4,291 | -40% | $-2,804 |
| Farm Bureau | $330 | $3,960 | -44% | $-3,135 |
Cheapest Car Insurance With an Accident in Michigan
Our analysis shows Travelers offers the most affordable car insurance for Michigan drivers with an accident on their record. Minimum liability coverage from Travelers costs $61 per month or $732 per year.
Data filtered by:Results filtered by:
Select
Age Group:Adult Drivers
Select
Coverage Level:100/300/100 Full Cov. w/$1,000 Ded.
Select
Gender:Male
Select
Credit Alignment:Below Fair
| Auto Owners | $188 | $2,253 | -35% | $-1,227 |
| Farm Bureau | $159 | $1,907 | -45% | $-1,573 |
| Pioneer State Mutual Insurance | $219 | $2,624 | -25% | $-856 |
| Farmers | $218 | $2,614 | -25% | $-866 |
| Frankenmuth Insurance | $224 | $2,685 | -23% | $-795 |
Cheapest Car Insurance With an Speeding Ticket
Travelers offers the lowest car insurance rates in Michigan for drivers with speeding tickets. Michigan drivers can expect to pay $499 annually for minimum coverage or $1,635 for full coverage through Travelers.
Data filtered by:Results filtered by:
Select
Age Group:Adult Drivers
Select
Coverage Level:100/300/100 Full Cov. w/$1,000 Ded.
Select
Gender:Male
Select
Credit Alignment:Below Fair
| Auto Owners | $210 | $2,519 | -27% | $-912 |
| Travelers | $241 | $2,897 | -16% | $-534 |
| Farm Bureau | $169 | $2,033 | -41% | $-1,398 |
| Farmers | $261 | $3,138 | -9% | $-293 |
| Frankenmuth Insurance | $237 | $2,839 | -17% | $-592 |
Cheapest Car Insurance With a Texting While Driving Violation
Drivers in Michigan with texting while driving violation can get the most affordable car insurance rates with Travelers. It offers minimum coverage at $499 per year. Auto Owners provide the cheapest available rate for full coverage policy at $1,348 per year.
Data filtered by:Results filtered by:
Select
Age Group:Adult Drivers
Select
Coverage Level:100/300/100 Full Cov. w/$1,000 Ded.
Select
Gender:Female
Select
Credit Alignment:Below Fair
| Farm Bureau | $130 | $1,559 | -50% | $-1,550 |
| Auto Owners | $163 | $1,959 | -37% | $-1,149 |
| Pioneer State Mutual Insurance | $169 | $2,030 | -35% | $-1,078 |
| Frankenmuth Insurance | $194 | $2,333 | -25% | $-775 |
| Travelers | $241 | $2,897 | -7% | $-211 |
How to Get the Cheapest Car Insurance in Michigan
Finding the most affordable insurance companies is just one part of getting the best rates on car insurance in Michigan. Here are proven ways to save the most on auto insurance.
- 1
Shop around extensively
Michigan’s no-fault system makes rates among the highest in the U.S. Compare quotes from both national carriers and smaller regional insurers that know local risks.
- 2
Understand Michigan’s unique coverage rules
Drivers must carry Personal Injury Protection (PIP), Property Protection Insurance (PPI) of $1 million, and minimum liability coverage of 50/100/10. Since 2020 reforms, you can choose your PIP medical limit, which can significantly affect your premium.
- 3
Tailor your PIP choice to your health coverage
If you already have qualified health insurance, you can choose lower PIP limits (or even opt out if you have Medicare Parts A & B), lowering your premium.
- 4
Seek state-specific discounts
Bundling home and auto, good driver rewards, and paying in full all apply. Some Michigan insurers also offer discounts for enrolling in telematics (usage-based insurance).
- 5
Consider your vehicle
Michigan has high theft rates, particularly in Detroit. Choosing a vehicle with strong anti-theft features can reduce both risk and cost.
- 6
Work on your profile
A better credit score and clean driving record remain two of the most powerful levers for cheaper premiums.
- 7
Check the Michigan Automobile Insurance Placement Facility (MAIPF)
If you are denied by insurers, the MAIPF is the “last resort” option to obtain required coverage.
Risks of Getting the Cheapest Car Insurance in Michigan
Michigan requires drivers to carry liability insurance with minimum limits of 50/100/10. Your policy must provide $50,000 for injury to one person, $100,000 for injuries per accident and $10,000 for property damage coverage. But minimum coverage leaves you exposed to major financial risks:
Vehicle damage if you're at fault won't be covered
Without collision coverage, you'll pay all repair costs if you cause an accident. In Michigan, average property damage claims hit $4,832 in 2023, according to the Insurance Information Institute. That money comes straight from your pocket with minimum coverage. Add collision coverage to protect against expensive repairs.
Bodily injury damage is more likely to be higher than the minimum limits
Insurance Information Institute data shows Michigan's average bodily injury claim reached $42,000 in 2023, dangerously close to the $50,000 minimum requirement. Rising medical costs mean even minor injuries can exceed minimum limits. Consider increasing to 100/300/100 coverage levels, especially if you drive in high-traffic areas like Detroit or Grand Rapids.
Not having uninsured motorist coverage opens you up to unexpected costs
Michigan has a serious uninsured driver problem, with 25% of drivers lacking insurance, well above the national average of 12%. If an uninsured driver hits you, you'll face steep out-of-pocket costs without uninsured motorist coverage. Legal action against uninsured drivers rarely recovers damages. Adding uninsured motorist coverage provides essential financial protection in these common scenarios.
Weather risks make damage to your car more likely and aren't covered
Michigan gets hit with severe weather that damages cars regularly. National Centers for Environmental Information data shows the state recorded significant weather-related auto damage claims in 2023, with heavy snow, ice storms, flooding, and collisions with deer (Michigan averages 50,000+ deer crashes annually) drive up claims.
Basic coverage won't pay for weather damage. Add comprehensive coverage to protect against Michigan's harsh winter weather.
Vehicle theft damage is more likely and uncovered
Car theft is a real problem in Michigan, according to National Insurance Crime Bureau statistics. Detroit struggles with a theft rate 56% above the national average. Without comprehensive coverage, you get nothing if your car's stolen or damaged during a theft. The average stolen car claim tops $9,000, so comprehensive coverage is worth it in high-risk areas.
Minimum Coverage Requirements in Michigan
Drivers in Michigan must carry a minimum level of auto insurance to legally operate a vehicle. Michigan is a no-fault state, which means your own insurance pays for medical expenses and other losses regardless of who caused the accident. The state’s required policy is called PLPD (Personal Liability and Property Damage) coverage. While these limits meet state law, they may not fully protect against costly claims. Understanding Michigan’s minimum car insurance requirements helps you stay compliant and decide whether higher coverage makes sense for your needs.
Coverage Type | Minimum Required Limit |
|---|---|
Bodily Injury Liability (Per Person) | $50,000 per person |
Bodily Injury Liability (Per Accident) | $100,000 per accident |
Property Protection Insurance (PPI) | Up to $1,000,000 for damage your car causes to another person’s property in Michigan |
Personal Injury Protection (PIP) | Medical coverage (options vary; unlimited coverage is available, but drivers may choose lower limits if they have health insurance that qualifies) |
Cheap Car Insurance in Michigan: Bottom Line
Travelers offers the lowest car insurance rates in Michigan for most drivers and coverage types, according to our analysis. While the cheapest option is tempting, don't make price your only factor. Get as much coverage as you can afford to protect your finances when accidents happen.
Cheap Car Insurance in Michigan: FAQ
Below, we answer common questions about Michigan car insurance to help you find affordable coverage.
What are the cheapest car insurance companies in Michigan?
Travelers provides the most affordable car insurance in Michigan, averaging $301 per year for minimum coverage and $945 for full coverage. Other budget-friendly options include GEICO, Auto-Owners, Progressive and AAA.
Who has the cheapest car insurance rates for young drivers in Michigan?
GEICO provides the most affordable rates for young drivers in Michigan, with monthly premiums averaging $69.
Who offers the cheapest car insurance rates for seniors in Michigan?
Senior drivers in Michigan can find the most competitive rates with Travelers, offering monthly premiums around $43 for minimum coverage policies.
Who has the cheapest car insurance in Michigan for bad credit?
Farm Bureau provides the most affordable rates for bad-credit drivers in Michigan, with monthly premiums of $63 for minimum coverage and $159 for full coverage.
Who has the cheapest car insurance in Michigan with an accident?
Auto-Owners offers the lowest car insurance rates for Michigan drivers with accident records, starting at $64 per month for minimum coverage.
Who has the cheapest car insurance in Michigan with a DUI?
Progressive provides the cheapest car insurance after a DUI in Michigan, with rates at $75 per month ($904 annually) for minimum coverage and $134 per month ($1,611 annually) for full coverage.
Who has the cheapest car insurance in Michigan for those with a speeding ticket?
After getting a speeding ticket, Travelers provides Michigan's most budget-friendly car insurance at $45 monthly for minimum coverage and $147 for full coverage.
Should you buy the cheapest car insurance in Michigan?
While getting cheap car insurance is tempting, make sure you have enough coverage to protect against major losses. Travelers offers Michigan drivers the best balance of affordable rates and reliable coverage.
How We Found the Most Affordable Car Insurance in Michigan
MoneyGeek collected auto insurance data from the Texas Department of Insurance and Quadrant Information Services. We analyzed quotes from 12 major insurers and reviewed more than 200 million rate comparisons across every residential ZIP code in Michigan.
Michigan Driver Profile
Our analysis started with a standard driver profile to find the cheapest rates:
- 40-year-old male
- 2012 Toyota Camry LE
- Clean driving record
- 12,000 miles driven annually
- Good credit
- Valid license
- Currently insured
- No claims history
We adjusted this sample profile, as specified, to find the cheapest option for various driver backgrounds.
Standard Coverage Levels in Michigan
We compared car insurance companies in Michigan that offer minimum and full coverage policies. We set the limits of the minimum coverage car insurance policy to the minimum amount required by law in Michigan.
The minimum coverage liability limits in Michigan are:
- $50,000 per person for bodily injury
- $100,000 per accident for bodily injury
- $10,000 per accident for property damage
For full coverage policy rates, we used the following liability limits:
- $100,000 for bodily injury liability per person
- $300,000 for bodily injury liability per accident
- $100,000 for property damage liability
- Comprehensive and collision coverage with a $1,000 deductible
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.
sources
- Insurance Information Institute. "Facts + Statistics: Auto Insurance." Accessed August 28, 2025.
- Insurance Information Institute. "Facts + Statistics: Uninsured Motorists." Accessed August 28, 2025.
- National Centers for Environmental Information . "Climate at a Glance ." Accessed August 28, 2025.
- National Insurance Crime Bureau. "Vehicle Thefts Surge Nationwide in 2023 ." Accessed August 28, 2025.