Cheapest Car Insurance in Michigan (June 2024)


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ByMark Fitzpatrick
Reviewed byMark Friedlander
Contributions by6+ experts
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ByMark Fitzpatrick
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Reviewed byMark Friedlander
Edited byRae Osborn
Contributions by6+ experts
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Updated: June 14, 2024

Advertising & Editorial Disclosure

Westfield is the cheapest for minimum coverage car insurance in Michigan. Chubb and GEICO are the most affordable options for other drivers.

MoneyGeek found the top auto insurers in Michigan and ranked them according to how they balance service quality and affordability.

Why Trust MoneyGeek? To determine the cheapest vehicle insurance in Michigan for various driver profiles, we compiled current data from the Michigan Department of Insurance and Quadrant Information Services.

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These rates were updated in June 2024 to reflect the cheapest car insurance quotes in Michigan up to this month.

50,284Quotes Analyzed
 
14Companies Compared
 
74ZIP Codes

Cheapest Minimum Liability Car Insurance in Michigan (June 2024)

On average, the cheapest auto insurance companies in Michigan for a minimum coverage policy, according to MoneyGeek's analysis, are:

  • Westfield: $369 per year
  • Travelers: $421 per year

With an average yearly premium of $1,772, Hanover is Michigan's most costly auto insurance provider for minimum coverage of the companies MoneyGeek gathered quotes from.

Only bodily injury liability, property protection, and personal injury protection (PIP) are covered by auto insurance that meets Michigan's minimum requirements.

Data filtered by:Results filtered by:
Age Range:
Age Range:40
Coverage Level:
Coverage Level:Minimum Coverage
WestfieldAnnual Premium$369Monthly Premium$31
TravelersAnnual Premium$421Monthly Premium$35
EncompassAnnual Premium$577Monthly Premium$48
GEICOAnnual Premium$630Monthly Premium$52
Auto-Owners Insurance CoAnnual Premium$636Monthly Premium$53
ChubbAnnual Premium$640Monthly Premium$53
ProgressiveAnnual Premium$711Monthly Premium$59
Pioneer State Mutual Ins CoAnnual Premium$763Monthly Premium$64

A minimum coverage policy only pays for the damages you cause to other people, not your own car. Consider a full coverage policy with comprehensive and collision insurance if you want additional financial protection for your vehicle.

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Find the Best Car Insurance in Michigan for You

 

Your preferences and insurance requirements impact the cost of your premium. The cheapest auto insurance rates in Michigan for minimum coverage are listed in the table above.

Learn more about how much car insurance you need.

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Based on price and service quality, we determined Michigan's top auto insurance companies.

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We compared the average price of auto insurance in Michigan for various driver profiles based on factors like driving history and age.

Cheapest Full Coverage Car Insurance in Michigan (June 2024)

On average, these companies provide the cheapest full coverage auto insurance in Michigan:

  • GEICO: $1,027 per year
  • Travelers: $1,253 per year

Hanover charges the highest rate of around $4,586 annually for full coverage.

Your annual rate may go up if you add comprehensive and collision insurance to your auto policy. For instance, the complete coverage option from GEICO costs $397 more than the minimum coverage option.

Full coverage auto insurance offers additional financial protection. It covers losses resulting from off-road occurrences as well as on-road collisions.

Data filtered by:Results filtered by:
Age Range:
Age Range:40
Coverage Level:
Coverage Level:Full Coverage
GEICOAnnual Premium$1,027Monthly Premium$86
TravelersAnnual Premium$1,253Monthly Premium$104
Auto-Owners Insurance CoAnnual Premium$1,383Monthly Premium$115
EncompassAnnual Premium$1,386Monthly Premium$115
ProgressiveAnnual Premium$1,469Monthly Premium$122
WestfieldAnnual Premium$1,508Monthly Premium$126
ChubbAnnual Premium$1,522Monthly Premium$127
Pioneer State Mutual Ins CoAnnual Premium$1,526Monthly Premium$127

Your premium will be heavily influenced by the amount of car insurance you need. The full coverage sample policy from MoneyGeek offers liability insurance with the following limits:

  • $100,000 bodily injury per person
  • $300,000 bodily injury per accident
  • $100,000 property damage per accident

You might be able to lower your insurance costs by lowering your liability limits, dropping comprehensive and collision insurance or increasing your deductible. However, you risk having insufficient coverage if you do this.

How to Compare Cheap Michigan Car Insurance Quotes Online

Most insurers provide car insurance quotes online. However, this process could take up to 15 minutes to complete. It also requires you to submit data to multiple companies for better comparison.

Instead of giving your personal information to various insurance companies, you can use MoneyGeek's car insurance calculator to get a quick and easy estimate. This can help you get started in your search for low-cost auto coverage.

Car Insurance Calculator

MoneyGeeks's car insurance calculator will give you a customized estimate of your auto insurance cost. It's free to use, requires no personal information and we won't send you any spam.

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Rates updated:

Jun 18, 2024

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Cheapest Car Insurance in Michigan by Age (June 2024)

Age is one of the biggest factors affecting car insurance rates in Michigan. MoneyGeek found that GEICO offers the cheapest options for teens, young adults, and seniors.

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CHEAPEST CAR INSURANCE COMPANIES BY AGE

Cheapest for teens: GEICO
Cheapest for young adults: GEICO
Cheapest for seniors: GEICO

Cheapest Car Insurance in Michigan for Teens and Their Families (June 2024)

On average, the following insurance providers in Michigan offer the most affordable coverage for teenagers driving on a parent’s policy:

  • GEICO: $1,957 per year for male and female teens
  • Progressive: $2,474 per year for male and female teens

The average annual premium for a male or female teen with State Farm is the most expensive at $6,733.

Teens, regardless of gender, enjoy decreasing car insurance rates as they age, with the lowest rates offered to 19-year-olds. In Michigan, the provider offering the lowest rate for a 19-year-old is GEICO ($1,502).

Adding a teenager to your existing insurance is typically more affordable than purchasing a new policy only for them, and it may be illegal for a teen under the age of 18 to purchase a policy without a parent or guardian's consent and willingness to co-sign for it. The average individual premium for a 16-year-old in Michigan is $7,802, but adding them to their parent's policy can reduce that cost to $3,905. This is a difference of around $3,897.

Data filtered by:Results filtered by:
Gender:
Gender:Female
Age:
Age:16
GEICOFamily Plan Annual Premium$1,957Individual Plan Annual Premium$2,511
ProgressiveFamily Plan Annual Premium$2,474Individual Plan Annual Premium$7,641
Auto-Owners Insurance CoFamily Plan Annual Premium$2,599Individual Plan Annual Premium$2,763
EncompassFamily Plan Annual Premium$2,913Individual Plan Annual Premium$3,657
TravelersFamily Plan Annual Premium$5,037Individual Plan Annual Premium$6,062
FarmersFamily Plan Annual Premium$5,620Individual Plan Annual Premium$24,036
State FarmFamily Plan Annual Premium$6,733Individual Plan Annual Premium$7,943
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MONEYGEEK EXPERT TIP

In Michigan, auto insurers are prohibited from using gender as a rating factor. Whether you are a teenager, young or middle-aged adult or a senior, your gender is not a factor when determining how much you pay for car insurance in Michigan with any insurer.Mark Friedlander, Director, Corporate Communications, Insurance Information Institute

Auto insurance can be expensive for families, but young drivers can qualify for savings. Auto-Owners, Encompass, Farmers, Progressive, State Farm and Travelers all offer good student and distant student discounts. GEICO also offers a good student discount.

Cheapest Car Insurance in Michigan for Young Adults (June 2024)

We found that, on average, the cheapest car insurance companies in Michigan for drivers in their 20s are:

  • GEICO: $1,033 per year
  • Encompass: $1,386 per year

When comparing auto insurance companies for young drivers, Hanover had the highest annual premium, at $5,589. In Michigan, drivers in their 20s pay around $279 more per year for auto insurance from the cheapest company than middle-aged drivers.

Data filtered by:Results filtered by:
Age Range:
Age Range:25
Coverage Level:
Coverage Level:Full Coverage
GEICOAnnual Premium$1,033Monthly Premium$86
EncompassAnnual Premium$1,386Monthly Premium$115
TravelersAnnual Premium$1,422Monthly Premium$119
Auto-Owners Insurance CoAnnual Premium$1,493Monthly Premium$124
ChubbAnnual Premium$1,699Monthly Premium$142
ProgressiveAnnual Premium$1,704Monthly Premium$142
Pioneer State Mutual Ins CoAnnual Premium$1,778Monthly Premium$148
WestfieldAnnual Premium$1,908Monthly Premium$159

Cheapest Car Insurance in Michigan for Seniors (June 2024)

The cheapest car insurance companies in Michigan for senior drivers are, on average:

  • GEICO: $1,026 per year
  • Encompass: $1,164 per year

Auto insurance premiums for seniors at Hanover average $3,946 annually, the highest in Michigan. Seniors in the state pay around $161 less annually for auto insurance from the cheapest company than those in their 40s and 50s. However, prices often go up for drivers in their 70s and 80s.

Data filtered by:Results filtered by:
Age Range:
Age Range:65
Coverage Level:
Coverage Level:Full Coverage
GEICOAnnual Premium$1,026Monthly Premium$85
EncompassAnnual Premium$1,164Monthly Premium$97
TravelersAnnual Premium$1,187Monthly Premium$99
ChubbAnnual Premium$1,267Monthly Premium$106
Auto-Owners Insurance CoAnnual Premium$1,343Monthly Premium$112
ProgressiveAnnual Premium$1,355Monthly Premium$113
Pioneer State Mutual Ins CoAnnual Premium$1,377Monthly Premium$115
WestfieldAnnual Premium$1,444Monthly Premium$120

Michigan seniors can save money with discounts on insurance policies from GEICO and Farmers. In order to find affordable coverage, it is best to shop around and compare providers.

Cheapest Car Insurance for Higher Risk Drivers (June 2024)

Chubb is the most affordable auto insurance rates in Michigan for drivers with moving violations, at-fault accidents, and impaired driving violations. GEICO is the cheapest provider for people with poor credit and sports car drivers. Taking a driving course that is recognized by the state and checking your driving record frequently for mistakes might help you build a better profile and qualify you for a lower premium.

CHEAPEST FOR HIGHER RISK DRIVERS

Cheapest after a ticket: Chubb ($1,522 per year)
Cheapest after an accident: Chubb ($1,522 per year)
Cheapest after a DUI: Chubb ($1,522 per year)
Cheapest for poor credit: GEICO ($1,681 per year)
Cheapest for sports cars: GEICO ($1,212 per year)

Cheapest Car Insurance in Michigan After a Ticket

In Michigan, drivers who have received a speeding ticket can find the most affordable average premium for full coverage with the following companies:

  • Chubb: $1,522 per year
  • Encompass: $1,566 per year

When comparing annual costs, Hanover is the most expensive, at approximately $6,265. If you have a history of speeding in Michigan, your vehicle insurance premium might increase by as much as $706 per year.

Data filtered by:Results filtered by:
Age Range:
Age Range:40
Coverage Level:
Coverage Level:Full Coverage
ChubbAnnual Premium$1,522Monthly Premium$127
EncompassAnnual Premium$1,566Monthly Premium$130
Auto-Owners Insurance CoAnnual Premium$1,706Monthly Premium$142
ProgressiveAnnual Premium$1,789Monthly Premium$149
WestfieldAnnual Premium$1,797Monthly Premium$150
Pioneer State Mutual Ins CoAnnual Premium$2,218Monthly Premium$185
GEICOAnnual Premium$2,283Monthly Premium$190
Farm Bureau Ins of MIAnnual Premium$2,341Monthly Premium$195

Cheapest Car Insurance in Michigan After an Accident

The most affordable providers of comprehensive auto insurance for drivers in Michigan who have committed at-fault traffic violations are, on average:

  • Chubb: $1,522 per year
  • Auto-Owners Insurance Co: $1,566 per year

The most expensive is Hanover, at around $6,873 annually for drivers with violations. According to our research, the average increase in annual premiums in Michigan due to being in an at-fault car accident is $934.

Data filtered by:Results filtered by:
Age Range:
Age Range:40
Coverage Level:
Coverage Level:Full Coverage
ChubbAnnual Premium$1,522Monthly Premium$127
Auto-Owners Insurance CoAnnual Premium$1,566Monthly Premium$130
Pioneer State Mutual Ins CoAnnual Premium$1,792Monthly Premium$149
ProgressiveAnnual Premium$1,909Monthly Premium$159
EncompassAnnual Premium$2,035Monthly Premium$170
Farm Bureau Ins of MIAnnual Premium$2,050Monthly Premium$171
WestfieldAnnual Premium$2,446Monthly Premium$204
GEICOAnnual Premium$2,686Monthly Premium$224

Cheapest Car Insurance in Michigan After a DUI

Affordable full coverage auto insurance in Michigan is available even with an impaired driving violation on your record, and the cheapest options on average are:

  • Chubb: $1,522 per year
  • Progressive: $1,609 per year

Hanover's annual premium for drivers with an impaired driving violation is the most of any company we looked at, coming in at approximately $8,369. In Michigan, if you have an impaired driving violation, your insurance may increase by about $2,696.

Data filtered by:Results filtered by:
Age Range:
Age Range:40
Coverage Level:
Coverage Level:Full Coverage
ChubbAnnual Premium$1,522Monthly Premium$127
ProgressiveAnnual Premium$1,609Monthly Premium$134
Pioneer State Mutual Ins CoAnnual Premium$2,940Monthly Premium$245
Grange InsuranceAnnual Premium$3,100Monthly Premium$258
Auto-Owners Insurance CoAnnual Premium$3,213Monthly Premium$268
FarmersAnnual Premium$4,042Monthly Premium$337
WestfieldAnnual Premium$4,308Monthly Premium$359
Farm Bureau Ins of MIAnnual Premium$4,543Monthly Premium$379
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MONEYGEEK EXPERT TIP

While most states give DUIs, Michigan has impaired driving violations. An OWVI or Operating While Visibly Impaired is typically for a first-time offense, while OWI or Operating While Intoxicated is typically for a second offense within seven years. Both will affect your car insurance costs and may restrict your driving privileges.Mark Friedlander, Director, Corporate Communications, Insurance Information Institute

Cheapest Car Insurance in Michigan for Drivers With Poor Credit (June 2024)

The following companies offer the cheapest car insurance to drivers in Michigan with poor credit:

  • GEICO: $1,681 per year
  • Encompass: $1,924 per year

You will find that Chubb offers the most expensive insurer with an average yearly cost of $28,039. Drivers with bad credit in Michigan will pay approximately $4,700 more per year than those with good credit.

Data filtered by:Results filtered by:
Age Range:
Age Range:30-59
Coverage Level:
Coverage Level:Full Coverage
GEICOAnnual Premium$1,681Monthly Premium$140
EncompassAnnual Premium$1,924Monthly Premium$160
ProgressiveAnnual Premium$2,424Monthly Premium$202
TravelersAnnual Premium$2,442Monthly Premium$203
Pioneer State Mutual Ins CoAnnual Premium$2,489Monthly Premium$207
Auto-Owners Insurance CoAnnual Premium$2,606Monthly Premium$217
WestfieldAnnual Premium$3,049Monthly Premium$254
Grange InsuranceAnnual Premium$3,834Monthly Premium$320

People who have low credit scores often make more insurance claims and may have to pay higher car insurance costs. While this practice is not permitted in every state, it is allowed in Michigan. To secure lower rates, work on improving your credit score. Additionally, you can find affordable coverage by comparing quotes from different insurance companies and making use of available discounts.

Cheapest Car Insurance in Michigan for Sports Cars (June 2024)

In Michigan, drivers who own sports cars can get the cheapest average auto insurance by shopping with the following companies:

  • GEICO: $1,212 per year
  • Auto-Owners: $1,233 per year

Travelers has the highest average annual rate of any insurance provider at $2,839.

Insurance for a sports car is typically (but not always) more expensive than coverage for a regular vehicle because of the increased cost of repairs and replacement parts. However, in Michigan, sports car owners spend around $83 more per year on average compared with those who drive a Toyota Camry LE.

Data filtered by:Results filtered by:
Age Range:
Age Range:40
Coverage Level:
Coverage Level:Full Coverage
GEICOAnnual Premium$1,212Monthly Premium$101
Auto-Owners Insurance CoAnnual Premium$1,233Monthly Premium$103
ChubbAnnual Premium$1,677Monthly Premium$140
EncompassAnnual Premium$1,698Monthly Premium$142
ProgressiveAnnual Premium$1,853Monthly Premium$154
State FarmAnnual Premium$2,716Monthly Premium$226
FarmersAnnual Premium$2,821Monthly Premium$235
TravelersAnnual Premium$2,839Monthly Premium$237

MoneyGeek generated quotes for a Ford Mustang, although costs might vary widely based on the make and type of the vehicle. As a general rule, the cost of insurance is higher for premium-priced vehicles like sports cars, electric cars, and luxury models.

Cheapest Car Insurance in Michigan for Military Drivers (June 2024)

USAA has the cheapest auto insurance in Michigan for active-duty military members and veterans, with a yearly rate of $1,006.

USAA specializes in providing services for veterans and active-duty military personnel and their families. Its policies are only available to members of the military community. It’s accessible in every state and provides quality customer service without sacrificing cost.

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MoneyGeek Top Pick
USAA
  • Annual premium: $1,006
  • Cheapest rank: First out of 14 insurers

USAA offers a military discount on car insurance, ensuring that members of the armed forces receive excellent value for their coverage.

Cheapest Car Insurance in Michigan by City

In Michigan, auto insurers cannot use your ZIP code as a pricing factor, but other contributing elements can result in varying average insurance rates between cities.

According to our research for our sample driver, Travelers provides the most affordable auto insurance in Grand Rapids at a yearly rate of about $1,039. At the same time, Detroit has the highest annual premium for auto insurance, at around $1,910 for a full coverage policy from Chubb.

The list of Michigan cities below shows how much car insurance typically costs for our AMI driver, depending on the city.

Ann ArborCheapest CompanyGEICOAnnual Premium$1,113
DetroitCheapest CompanyChubbAnnual Premium$1,910
Grand RapidsCheapest CompanyTravelersAnnual Premium$1,039
LansingCheapest CompanyTravelersAnnual Premium$1,111
Sterling HeightsCheapest CompanyGEICOAnnual Premium$1,486
WarrenCheapest CompanyGEICOAnnual Premium$1,483

Car Insurance in Michigan: What You Need to Know

Like many states, Michigan requires drivers to purchase property damage liability, personal injury protection and bodily injury liability insurance. It also requires property and personal injury protection within Michigan.

Michigan Car Insurance Requirements

At a minimum, a driver in Michigan must have bodily injury liability, property damage liability insurance and personal injury protection on their vehicle. It would help if you also had property protection and PIP coverage.

You can save money with a minimum coverage policy, but you'll be less protected financially in the event of an accident. You might be required to get an SR-22 in Michigan after severe or repeated violations. SR-22 is not insurance but a certificate of financial responsibility that proves you meet the state's established insurance requirements for high-risk drivers. Your auto insurer must file it with the DMV.

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    Bodily Injury Liability

    In Michigan, drivers must have a minimum of $50,000 in bodily injury liability coverage per injured party. Drivers must also have at least $100,000 in bodily injury liability coverage per accident. If you choose this minimum coverage amount, you'll need to pay anything beyond that amount out of your own pocket.

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    Property Damage Liability Outside of Michigan

    A minimum of $10,000 in property damage liability coverage per accident outside of Michigan is required for Michigan drivers. In the event of an accident in which another person's property is damaged, you will be responsible for covering any costs over $10,000.

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    Personal Injury Protection

    Unless you receive Medicare or Medicaid in Michigan, your policy must include at least $250,000 in personal injury protection. Your insurance company will pay up to $250,000 in medical bills for you and your passengers, regardless of who caused the accident. You June need to rely on health insurance or pay out of pocket if your injuries are severe enough to exceed this limit.

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    Property Protection in Michigan

    Michigan drivers must have $1 million in property protection for accidents within the state.

MoneyGeek suggests getting liability insurance with limits of at least $100,000 per injury and $300,000 per accident, as well as raising property damage coverage to $100,000. If you financed the purchase of your vehicle, you might be required to carry both comprehensive and collision coverage.

Comprehensive and collision coverages ensure that you won't have to worry about paying to fix or replace your car if it's damaged in an accident away from public roads. Theft, accidents, vandalism, animal destruction and natural disasters are all possible concerns.

If your car is very expensive, comprehensive and collision insurance could be worthwhile, even if you did not finance or lease it.

Car Insurance Alternatives in Michigan

Auto insurance is legally required in Michigan. You must show proof of financial responsibility through a certificate of insurance. Certificates of insurance are required when registering a vehicle, renewing registration and exchanging information with the other driver after an accident.

You could opt for a pay-per-mile program like Nationwide SmartMiles to save money on your Michigan car insurance costs.

FAQ: Car Insurance in Michigan

Drivers in Michigan looking for auto insurance might have questions about quality and cost. Here are some of the most frequently asked questions.

Which company offers the cheapest car insurance in Michigan?
Should you buy the cheapest car insurance available in Michigan?
What auto rating factors are not allowed in Michigan?
Is uninsured motorist/underinsured motorist coverage required in Michigan?

Expert Advice on Finding Cheap Car Insurance in Michigan

To help you find credible and accurate insight into car insurance in Michigan, MoneyGeek received expert advice from trusted professionals. The perspectives and opinions expressed are those of the individual contributor.

  1. What are the key factors drivers in Michigan should look for when searching for the best auto insurance coverage?
  2. How do regulations and rules in Michigan impact insurance pricing and how consumers might shop for coverage?
  3. What steps can drivers in Michigan take to find affordable car insurance?
Vivek Singh Ph.D.
Vivek Singh Ph.D.Richard E. Czarnecki Endowed Collegiate Professor II, Professor, Finance at the University of Michigan, Dearborn
Kim Madsen
Kim MadsenProfessor of Business and Economics at Kellogg Community College
Qianying (Jennie) Zhang
Qianying (Jennie) ZhangAssistant Professor of Finance and Economics at Hillsdale College
Bob Cunningham
Bob CunninghamAssociate Professor & Chair, Business and Economics at Alma College
Gregg Dimkoff, Ph.D., CFP, CLU
Gregg Dimkoff, Ph.D., CFP, CLUFinance Professor at Grand Valley State University, Consultant, and Financial Planner
Dr. Joseph G. Eisenhauer
Dr. Joseph G. EisenhauerDean of the College of Business Administration at the University of Detroit Mercy
Wayne Miller
Wayne MillerAdjunct Professor, Wayne Law at Wayne State University and COO, Miller & Tischler P.C.

About Mark Fitzpatrick


Mark Fitzpatrick headshot

Mark Fitzpatrick has analyzed the property and casualty insurance market for over five years, conducting original research and creating personalized content for every kind of buyer. Currently, he leads P&C insurance content production at MoneyGeek. Fitzpatrick has been quoted in several insurance-related publications, including CNBC, NBC News and Mashable.

Fitzpatrick earned a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his knowledge of economics and insurance to bring transparency around financial topics and help others feel confident in their money moves.