Compare Rates and Save on Auto Insurance

widget-location-pin

Travelers is the cheapest for most driver profiles in Michigan. Chubb and GEICO are the most affordable options for other drivers.

MoneyGeek found the top auto insurers in Michigan, so you can find one for your needs and budget.

MoneyGeek Logo IconCheapestCar InsuranceMichigan
2023

Table of Contents

Cheapest Minimum Liability Car Insurance in Michigan (September 2023)

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

  • Travelers: $101 per year
  • Westfield: $396 per year

With an average yearly premium of $2,064, Hanover is the most costly auto insurance provider in Michigan for minimum coverage of the companies MoneyGeek gathered quotes from in 2023.

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

Company
Annual Premium
Monthly Premium

Travelers

$94

$8

Travelers

$101

$8

Travelers

$111

$9

Westfield

$396

$33

Chubb

$397

$33

Westfield

$463

$39

Chubb

$474

$39

Westfield

$515

$43

Encompass

$526

$44

Chubb

$530

$44

Auto-Owners Insurance Co

$560

$47

Auto-Owners Insurance Co

$582

$48

Pioneer State Mutual Ins Co

$596

$50

Encompass

$597

$50

Encompass

$597

$50

Pioneer State Mutual Ins Co

$602

$50

GEICO

$622

$52

GEICO

$622

$52

Progressive

$629

$52

GEICO

$633

$53

Pioneer State Mutual Ins Co

$633

$53

Progressive

$635

$53

Progressive

$638

$53

Auto-Owners Insurance Co

$680

$57

Travelers

$840

$70

Farm Bureau Ins of MI

$886

$74

Farm Bureau Ins of MI

$921

$77

Travelers

$931

$78

Grange Insurance

$991

$83

Grange Insurance

$1,003

$84

GEICO

$1,015

$85

GEICO

$1,016

$85

GEICO

$1,023

$85

Chubb

$1,042

$87

Farmers

$1,043

$87

Travelers

$1,043

$87

Progressive

$1,085

$90

Farmers

$1,119

$93

Pioneer State Mutual Ins Co

$1,134

$95

Auto-Owners Insurance Co

$1,143

$95

Farm Bureau Ins of MI

$1,144

$95

Encompass

$1,149

$96

Auto-Owners Insurance Co

$1,149

$96

Progressive

$1,167

$97

Auto-Owners Insurance Co

$1,210

$101

Grange Insurance

$1,218

$101

Farmers

$1,230

$103

Chubb

$1,249

$104

Pioneer State Mutual Ins Co

$1,268

$106

Progressive

$1,336

$111

Encompass

$1,366

$114

Encompass

$1,366

$114

Westfield

$1,386

$116

Chubb

$1,397

$116

Westfield

$1,443

$120

State Farm

$1,474

$123

Pioneer State Mutual Ins Co

$1,480

$123

State Farm

$1,611

$134

Farm Bureau Ins of MI

$1,709

$142

State Farm

$1,826

$152

Westfield

$1,837

$153

Farm Bureau Ins of MI

$1,845

$154

Hanover

$2,010

$168

Grange Insurance

$2,031

$169

Hanover

$2,064

$172

Grange Insurance

$2,184

$182

Grange Insurance

$2,247

$187

Farm Bureau Ins of MI

$2,287

$191

State Farm

$2,293

$191

Hanover

$2,320

$193

State Farm

$2,558

$213

Farmers

$2,613

$218

State Farm

$2,912

$243

Farmers

$2,959

$247

Farmers

$3,302

$275

Hanover

$4,311

$359

Hanover

$4,969

$414

Hanover

$6,033

$503

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.

Insurance Rates

Compare Insurance Rates

Ensure you are getting the best rate for your insurance. Compare quotes from the top insurance companies.

widget-location-pin
Loading...

Cheapest Full Coverage Car Insurance in Michigan (September 2023)

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

  • Travelers: $931 per year
  • GEICO: $1,016 per year

Hanover charges the highest rate of around $4,969 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 Travelers costs $830 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.

Company
Annual Premium
Monthly Premium

Travelers

$94

$8

Travelers

$101

$8

Travelers

$111

$9

Westfield

$396

$33

Chubb

$397

$33

Westfield

$463

$39

Chubb

$474

$39

Westfield

$515

$43

Encompass

$526

$44

Chubb

$530

$44

Auto-Owners Insurance Co

$560

$47

Auto-Owners Insurance Co

$582

$48

Pioneer State Mutual Ins Co

$596

$50

Encompass

$597

$50

Encompass

$597

$50

Pioneer State Mutual Ins Co

$602

$50

GEICO

$622

$52

GEICO

$622

$52

Progressive

$629

$52

GEICO

$633

$53

Pioneer State Mutual Ins Co

$633

$53

Progressive

$635

$53

Progressive

$638

$53

Auto-Owners Insurance Co

$680

$57

Travelers

$840

$70

Farm Bureau Ins of MI

$886

$74

Farm Bureau Ins of MI

$921

$77

Travelers

$931

$78

Grange Insurance

$991

$83

Grange Insurance

$1,003

$84

GEICO

$1,015

$85

GEICO

$1,016

$85

GEICO

$1,023

$85

Chubb

$1,042

$87

Farmers

$1,043

$87

Travelers

$1,043

$87

Progressive

$1,085

$90

Farmers

$1,119

$93

Pioneer State Mutual Ins Co

$1,134

$95

Auto-Owners Insurance Co

$1,143

$95

Farm Bureau Ins of MI

$1,144

$95

Encompass

$1,149

$96

Auto-Owners Insurance Co

$1,149

$96

Progressive

$1,167

$97

Auto-Owners Insurance Co

$1,210

$101

Grange Insurance

$1,218

$101

Farmers

$1,230

$103

Chubb

$1,249

$104

Pioneer State Mutual Ins Co

$1,268

$106

Progressive

$1,336

$111

Encompass

$1,366

$114

Encompass

$1,366

$114

Westfield

$1,386

$116

Chubb

$1,397

$116

Westfield

$1,443

$120

State Farm

$1,474

$123

Pioneer State Mutual Ins Co

$1,480

$123

State Farm

$1,611

$134

Farm Bureau Ins of MI

$1,709

$142

State Farm

$1,826

$152

Westfield

$1,837

$153

Farm Bureau Ins of MI

$1,845

$154

Hanover

$2,010

$168

Grange Insurance

$2,031

$169

Hanover

$2,064

$172

Grange Insurance

$2,184

$182

Grange Insurance

$2,247

$187

Farm Bureau Ins of MI

$2,287

$191

State Farm

$2,293

$191

Hanover

$2,320

$193

State Farm

$2,558

$213

Farmers

$2,613

$218

State Farm

$2,912

$243

Farmers

$2,959

$247

Farmers

$3,302

$275

Hanover

$4,311

$359

Hanover

$4,969

$414

Hanover

$6,033

$503

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.

Auto Insurance Calculator

See how the Average Annual Auto Insurance Rates vary with the options chosen.

Michigan
Female
30-65
Clean

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

Nationwide

Cheapest Car Insurance in Michigan by Age (September 2023)

Age is one of the biggest factors affecting car insurance rates in Michigan. MoneyGeek found that GEICO and Travelers offer the cheapest options, depending on what age group you and your family belong to.

mglogo icon
CHEAPEST CAR INSURANCE COMPANIES BY AGE

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

Cheapest Car Insurance in Michigan for Teens and Their Families (September 2023)

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.

Company
Family Plan Annual Premium
Individual Plan Annual Premium

GEICO

$742

$833

GEICO

$832

$833

GEICO

$859

$964

GEICO

$892

$1,001

GEICO

$963

$964

GEICO

$969

$1,088

Travelers

$995

$1,071

Travelers

$995

$1,071

GEICO

$1,000

$1,001

GEICO

$1,009

$1,165

GEICO

$1,009

$1,165

GEICO

$1,086

$1,088

GEICO

$1,348

$1,556

GEICO

$1,348

$1,556

Progressive

$1,363

$1,169

Progressive

$1,363

$1,169

Encompass

$1,489

$1,457

Encompass

$1,489

$1,457

Encompass

$1,491

$1,869

Encompass

$1,491

$1,869

GEICO

$1,495

$1,918

GEICO

$1,495

$1,918

GEICO

$1,502

$1,734

GEICO

$1,502

$1,734

Progressive

$1,522

$1,720

Progressive

$1,522

$1,720

Progressive

$1,568

$1,345

Progressive

$1,568

$1,345

Auto-Owners Insurance Co

$1,584

$1,530

Auto-Owners Insurance Co

$1,584

$1,530

Travelers

$1,666

$2,003

Travelers

$1,666

$2,003

Auto-Owners Insurance Co

$1,679

$1,622

Auto-Owners Insurance Co

$1,679

$1,622

Progressive

$1,694

$1,453

Progressive

$1,694

$1,453

Encompass

$1,754

$1,715

Encompass

$1,754

$1,715

Progressive

$1,766

$1,996

Progressive

$1,766

$1,996

Encompass

$1,799

$1,760

Encompass

$1,799

$1,760

Auto-Owners Insurance Co

$1,812

$1,750

Auto-Owners Insurance Co

$1,812

$1,750

Progressive

$1,832

$5,660

Progressive

$1,832

$5,660

Encompass

$1,852

$1,811

Encompass

$1,852

$1,811

Progressive

$1,860

$1,595

Progressive

$1,860

$1,595

Travelers

$1,861

$2,003

Travelers

$1,861

$2,003

Travelers

$1,861

$2,003

Travelers

$1,861

$2,003

Travelers

$1,861

$2,003

Travelers

$1,861

$2,003

Progressive

$1,887

$2,133

Progressive

$1,887

$2,133

Auto-Owners Insurance Co

$1,945

$2,034

Auto-Owners Insurance Co

$1,945

$2,034

GEICO

$1,957

$2,511

GEICO

$1,957

$2,511

GEICO

$1,957

$2,511

GEICO

$1,957

$2,511

Auto-Owners Insurance Co

$1,958

$1,892

Auto-Owners Insurance Co

$1,958

$1,892

Progressive

$2,077

$6,415

Progressive

$2,077

$6,415

Auto-Owners Insurance Co

$2,095

$2,191

Auto-Owners Insurance Co

$2,095

$2,191

Encompass

$2,177

$2,729

Encompass

$2,177

$2,729

Auto-Owners Insurance Co

$2,205

$2,307

Auto-Owners Insurance Co

$2,205

$2,307

Auto-Owners Insurance Co

$2,320

$2,466

Auto-Owners Insurance Co

$2,320

$2,466

Progressive

$2,474

$7,641

Progressive

$2,474

$7,641

Auto-Owners Insurance Co

$2,515

$2,674

Auto-Owners Insurance Co

$2,515

$2,674

Encompass

$2,537

$3,180

Encompass

$2,537

$3,180

Auto-Owners Insurance Co

$2,599

$2,763

Auto-Owners Insurance Co

$2,599

$2,763

Encompass

$2,649

$3,325

Encompass

$2,649

$3,325

State Farm

$2,706

$2,521

State Farm

$2,706

$2,521

Encompass

$2,775

$3,483

Encompass

$2,775

$3,483

Encompass

$2,913

$3,657

Encompass

$2,913

$3,657

Farmers

$2,972

$12,751

Farmers

$2,972

$12,751

State Farm

$3,033

$2,827

State Farm

$3,033

$2,827

Farmers

$3,188

$13,679

Farmers

$3,188

$13,679

Farmers

$3,295

$3,065

Farmers

$3,295

$3,065

State Farm

$3,359

$3,131

State Farm

$3,359

$3,131

Farmers

$3,475

$4,275

Farmers

$3,475

$4,275

Travelers

$3,723

$4,477

Travelers

$3,723

$4,477

Travelers

$3,723

$4,477

Travelers

$3,723

$4,477

State Farm

$3,740

$3,913

State Farm

$3,740

$3,913

State Farm

$3,786

$3,528

State Farm

$3,786

$3,528

Farmers

$4,071

$3,790

Farmers

$4,071

$3,790

Farmers

$4,189

$3,901

Farmers

$4,189

$3,901

State Farm

$4,349

$4,550

State Farm

$4,349

$4,550

Farmers

$4,374

$4,074

Farmers

$4,374

$4,074

Farmers

$4,398

$5,408

Farmers

$4,398

$5,408

Travelers

$4,631

$5,574

Travelers

$4,631

$5,574

Farmers

$4,812

$5,919

Farmers

$4,812

$5,919

State Farm

$4,978

$5,208

State Farm

$4,978

$5,208

Travelers

$5,037

$6,062

Travelers

$5,037

$6,062

Travelers

$5,037

$6,062

Travelers

$5,037

$6,062

State Farm

$5,089

$6,004

State Farm

$5,089

$6,004

Farmers

$5,620

$24,036

Farmers

$5,620

$24,036

State Farm

$5,862

$6,916

State Farm

$5,862

$6,916

State Farm

$6,733

$7,943

State Farm

$6,733

$7,943

mglogo icon
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 may 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 (September 2023)

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

  • GEICO: $1,023 per year
  • Travelers: $1,043 per year

When comparing auto insurance companies for young drivers, Hanover had the highest annual premium, at $6,033.

In Michigan, drivers in their 20s pay around $92 more per year for auto insurance from the cheapest company than middle-aged drivers.

Company
Annual Premium
Monthly Premium

Travelers

$94

$8

Travelers

$101

$8

Travelers

$111

$9

Westfield

$396

$33

Chubb

$397

$33

Westfield

$463

$39

Chubb

$474

$39

Westfield

$515

$43

Encompass

$526

$44

Chubb

$530

$44

Auto-Owners Insurance Co

$560

$47

Auto-Owners Insurance Co

$582

$48

Pioneer State Mutual Ins Co

$596

$50

Encompass

$597

$50

Encompass

$597

$50

Pioneer State Mutual Ins Co

$602

$50

GEICO

$622

$52

GEICO

$622

$52

Progressive

$629

$52

GEICO

$633

$53

Pioneer State Mutual Ins Co

$633

$53

Progressive

$635

$53

Progressive

$638

$53

Auto-Owners Insurance Co

$680

$57

Travelers

$840

$70

Farm Bureau Ins of MI

$886

$74

Farm Bureau Ins of MI

$921

$77

Travelers

$931

$78

Grange Insurance

$991

$83

Grange Insurance

$1,003

$84

GEICO

$1,015

$85

GEICO

$1,016

$85

GEICO

$1,023

$85

Chubb

$1,042

$87

Farmers

$1,043

$87

Travelers

$1,043

$87

Progressive

$1,085

$90

Farmers

$1,119

$93

Pioneer State Mutual Ins Co

$1,134

$95

Auto-Owners Insurance Co

$1,143

$95

Farm Bureau Ins of MI

$1,144

$95

Encompass

$1,149

$96

Auto-Owners Insurance Co

$1,149

$96

Progressive

$1,167

$97

Auto-Owners Insurance Co

$1,210

$101

Grange Insurance

$1,218

$101

Farmers

$1,230

$103

Chubb

$1,249

$104

Pioneer State Mutual Ins Co

$1,268

$106

Progressive

$1,336

$111

Encompass

$1,366

$114

Encompass

$1,366

$114

Westfield

$1,386

$116

Chubb

$1,397

$116

Westfield

$1,443

$120

State Farm

$1,474

$123

Pioneer State Mutual Ins Co

$1,480

$123

State Farm

$1,611

$134

Farm Bureau Ins of MI

$1,709

$142

State Farm

$1,826

$152

Westfield

$1,837

$153

Farm Bureau Ins of MI

$1,845

$154

Hanover

$2,010

$168

Grange Insurance

$2,031

$169

Hanover

$2,064

$172

Grange Insurance

$2,184

$182

Grange Insurance

$2,247

$187

Farm Bureau Ins of MI

$2,287

$191

State Farm

$2,293

$191

Hanover

$2,320

$193

State Farm

$2,558

$213

Farmers

$2,613

$218

State Farm

$2,912

$243

Farmers

$2,959

$247

Farmers

$3,302

$275

Hanover

$4,311

$359

Hanover

$4,969

$414

Hanover

$6,033

$503

Cheapest Car Insurance in Michigan for Seniors (September 2023)

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

  • Travelers: $840 per year
  • GEICO: $1,015 per year

Auto insurance premiums for seniors in Hanover average $4,311 annually, the highest in Michigan.

Seniors in Michigan pay around $91 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.

Company
Annual Premium
Monthly Premium

Travelers

$94

$8

Travelers

$101

$8

Travelers

$111

$9

Westfield

$396

$33

Chubb

$397

$33

Westfield

$463

$39

Chubb

$474

$39

Westfield

$515

$43

Encompass

$526

$44

Chubb

$530

$44

Auto-Owners Insurance Co

$560

$47

Auto-Owners Insurance Co

$582

$48

Pioneer State Mutual Ins Co

$596

$50

Encompass

$597

$50

Encompass

$597

$50

Pioneer State Mutual Ins Co

$602

$50

GEICO

$622

$52

GEICO

$622

$52

Progressive

$629

$52

GEICO

$633

$53

Pioneer State Mutual Ins Co

$633

$53

Progressive

$635

$53

Progressive

$638

$53

Auto-Owners Insurance Co

$680

$57

Travelers

$840

$70

Farm Bureau Ins of MI

$886

$74

Farm Bureau Ins of MI

$921

$77

Travelers

$931

$78

Grange Insurance

$991

$83

Grange Insurance

$1,003

$84

GEICO

$1,015

$85

GEICO

$1,016

$85

GEICO

$1,023

$85

Chubb

$1,042

$87

Farmers

$1,043

$87

Travelers

$1,043

$87

Progressive

$1,085

$90

Farmers

$1,119

$93

Pioneer State Mutual Ins Co

$1,134

$95

Auto-Owners Insurance Co

$1,143

$95

Farm Bureau Ins of MI

$1,144

$95

Encompass

$1,149

$96

Auto-Owners Insurance Co

$1,149

$96

Progressive

$1,167

$97

Auto-Owners Insurance Co

$1,210

$101

Grange Insurance

$1,218

$101

Farmers

$1,230

$103

Chubb

$1,249

$104

Pioneer State Mutual Ins Co

$1,268

$106

Progressive

$1,336

$111

Encompass

$1,366

$114

Encompass

$1,366

$114

Westfield

$1,386

$116

Chubb

$1,397

$116

Westfield

$1,443

$120

State Farm

$1,474

$123

Pioneer State Mutual Ins Co

$1,480

$123

State Farm

$1,611

$134

Farm Bureau Ins of MI

$1,709

$142

State Farm

$1,826

$152

Westfield

$1,837

$153

Farm Bureau Ins of MI

$1,845

$154

Hanover

$2,010

$168

Grange Insurance

$2,031

$169

Hanover

$2,064

$172

Grange Insurance

$2,184

$182

Grange Insurance

$2,247

$187

Farm Bureau Ins of MI

$2,287

$191

State Farm

$2,293

$191

Hanover

$2,320

$193

State Farm

$2,558

$213

Farmers

$2,613

$218

State Farm

$2,912

$243

Farmers

$2,959

$247

Farmers

$3,302

$275

Hanover

$4,311

$359

Hanover

$4,969

$414

Hanover

$6,033

$503

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 (September 2023)

When it comes to auto insurance in Michigan, Chubb offers the most affordable rates for drivers with moving violations, at-fault accidents and impaired driving violations, of which Michigan has two — instead of DUI.

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 ($1,249 per year)
Cheapest after an accident: Chubb ($1,249 per year)
Cheapest after a DUI: Chubb ($1,249 per year)
Cheapest for sports cars: Auto-Owners Insurance ($1,009 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: $1,249 per year
  • Progressive: $1,416 per year

When comparing annual costs, Hanover is the most expensive, at approximately $6,833.

If you have a history of speeding in Michigan, your vehicle insurance premium might increase by as much as $688 per year.

Company
Annual Premium
Monthly Premium

Travelers

$165

$14

Travelers

$179

$15

Travelers

$199

$17

Chubb

$397

$33

Chubb

$474

$39

Westfield

$513

$43

Chubb

$530

$44

Westfield

$555

$46

Encompass

$597

$50

Westfield

$617

$51

Encompass

$675

$56

Encompass

$675

$56

Progressive

$728

$61

Progressive

$728

$61

Progressive

$735

$61

Auto-Owners Insurance Co

$737

$61

Auto-Owners Insurance Co

$807

$67

Pioneer State Mutual Ins Co

$896

$75

Pioneer State Mutual Ins Co

$929

$77

Auto-Owners Insurance Co

$937

$78

Pioneer State Mutual Ins Co

$979

$82

Chubb

$1,042

$87

Farm Bureau Ins of MI

$1,234

$103

Chubb

$1,249

$104

GEICO

$1,277

$106

Farm Bureau Ins of MI

$1,296

$108

Encompass

$1,301

$108

GEICO

$1,312

$109

GEICO

$1,323

$110

Grange Insurance

$1,338

$112

Progressive

$1,349

$112

Grange Insurance

$1,386

$115

Chubb

$1,397

$116

Farmers

$1,406

$117

Progressive

$1,416

$118

Farmers

$1,427

$119

Auto-Owners Insurance Co

$1,496

$125

Encompass

$1,543

$129

Encompass

$1,543

$129

Farmers

$1,552

$129

Auto-Owners Insurance Co

$1,559

$130

Travelers

$1,586

$132

Farm Bureau Ins of MI

$1,593

$133

Westfield

$1,609

$134

Progressive

$1,618

$135

Grange Insurance

$1,626

$135

Auto-Owners Insurance Co

$1,639

$137

Pioneer State Mutual Ins Co

$1,685

$140

Westfield

$1,731

$144

Travelers

$1,760

$147

Pioneer State Mutual Ins Co

$1,836

$153

Travelers

$1,972

$164

Westfield

$2,134

$178

GEICO

$2,168

$181

Pioneer State Mutual Ins Co

$2,173

$181

State Farm

$2,236

$186

GEICO

$2,259

$188

Farm Bureau Ins of MI

$2,286

$191

GEICO

$2,286

$191

State Farm

$2,443

$204

Farm Bureau Ins of MI

$2,479

$207

Grange Insurance

$2,680

$223

State Farm

$2,783

$232

Grange Insurance

$2,953

$246

Grange Insurance

$3,007

$251

Farm Bureau Ins of MI

$3,055

$255

Hanover

$3,092

$258

Hanover

$3,159

$263

Hanover

$3,392

$283

State Farm

$3,402

$284

Farmers

$3,608

$301

State Farm

$3,740

$312

Farmers

$3,867

$322

Farmers

$4,228

$352

State Farm

$4,320

$360

Hanover

$6,160

$513

Hanover

$6,833

$569

Hanover

$8,069

$672

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: $1,249 per year
  • Auto-Owners Insurance Co: $1,320 per year

The most expensive is Hanover, at around $7,495 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 $892.

Company
Annual Premium
Monthly Premium

Travelers

$239

$20

Travelers

$250

$21

Travelers

$271

$23

Chubb

$397

$33

Chubb

$474

$39

Chubb

$530

$44

Westfield

$630

$52

Auto-Owners Insurance Co

$641

$53

Westfield

$665

$55

Pioneer State Mutual Ins Co

$696

$58

Auto-Owners Insurance Co

$703

$59

Westfield

$717

$60

Pioneer State Mutual Ins Co

$723

$60

Pioneer State Mutual Ins Co

$763

$64

Encompass

$779

$65

Progressive

$792

$66

Progressive

$792

$66

Progressive

$801

$67

Auto-Owners Insurance Co

$813

$68

Encompass

$882

$74

Encompass

$882

$74

Farm Bureau Ins of MI

$1,029

$86

Chubb

$1,042

$87

Farm Bureau Ins of MI

$1,082

$90

Chubb

$1,249

$104

Auto-Owners Insurance Co

$1,320

$110

Farm Bureau Ins of MI

$1,329

$111

Pioneer State Mutual Ins Co

$1,356

$113

Auto-Owners Insurance Co

$1,369

$114

Chubb

$1,397

$116

GEICO

$1,438

$120

Progressive

$1,444

$120

Auto-Owners Insurance Co

$1,445

$120

Pioneer State Mutual Ins Co

$1,487

$124

Farmers

$1,509

$126

Progressive

$1,515

$126

Farmers

$1,532

$128

GEICO

$1,546

$129

GEICO

$1,561

$130

Farmers

$1,634

$136

Encompass

$1,691

$141

Progressive

$1,723

$144

Pioneer State Mutual Ins Co

$1,765

$147

State Farm

$1,780

$148

Grange Insurance

$1,850

$154

Grange Insurance

$1,872

$156

State Farm

$1,941

$162

Farm Bureau Ins of MI

$1,983

$165

Encompass

$2,006

$167

Encompass

$2,006

$167

Travelers

$2,118

$177

Farm Bureau Ins of MI

$2,154

$180

State Farm

$2,209

$184

Westfield

$2,240

$187

Grange Insurance

$2,266

$189

Travelers

$2,296

$191

Westfield

$2,373

$198

GEICO

$2,434

$203

Travelers

$2,513

$209

Farm Bureau Ins of MI

$2,654

$221

GEICO

$2,657

$221

GEICO

$2,695

$225

State Farm

$2,737

$228

Westfield

$2,771

$231

State Farm

$3,014

$251

Hanover

$3,456

$288

State Farm

$3,475

$290

Hanover

$3,557

$296

Hanover

$3,845

$320

Farmers

$3,878

$323

Grange Insurance

$3,910

$326

Farmers

$4,060

$338

Grange Insurance

$4,227

$352

Grange Insurance

$4,329

$361

Farmers

$4,422

$369

Hanover

$6,769

$564

Hanover

$7,495

$625

Hanover

$8,853

$738

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: $1,249 per year
  • Progressive: $1,279 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 $9,120.

In Michigan, if you have an impaired driving violation, your insurance may increase by about $2,563 per year.

Company
Annual Premium
Monthly Premium

Chubb

$397

$33

Chubb

$474

$39

Travelers

$480

$40

Travelers

$481

$40

Travelers

$502

$42

Chubb

$530

$44

Progressive

$685

$57

Progressive

$687

$57

Progressive

$691

$58

Chubb

$1,042

$87

Progressive

$1,217

$101

Pioneer State Mutual Ins Co

$1,232

$103

Chubb

$1,249

$104

Progressive

$1,279

$107

Pioneer State Mutual Ins Co

$1,286

$107

Westfield

$1,304

$109

Westfield

$1,339

$112

Pioneer State Mutual Ins Co

$1,358

$113

Westfield

$1,390

$116

Chubb

$1,397

$116

Auto-Owners Insurance Co

$1,441

$120

Progressive

$1,470

$122

Farmers

$1,489

$124

Farmers

$1,515

$126

Auto-Owners Insurance Co

$1,577

$131

Farmers

$1,614

$134

Grange Insurance

$1,696

$141

Grange Insurance

$1,734

$144

Auto-Owners Insurance Co

$1,828

$152

Grange Insurance

$2,112

$176

Pioneer State Mutual Ins Co

$2,262

$188

Pioneer State Mutual Ins Co

$2,426

$202

Farm Bureau Ins of MI

$2,570

$214

Farm Bureau Ins of MI

$2,700

$225

Auto-Owners Insurance Co

$2,792

$233

Pioneer State Mutual Ins Co

$2,888

$241

Encompass

$2,944

$245

Auto-Owners Insurance Co

$2,952

$246

Auto-Owners Insurance Co

$3,062

$255

Grange Insurance

$3,195

$266

Farm Bureau Ins of MI

$3,319

$277

Encompass

$3,348

$279

Encompass

$3,348

$279

Grange Insurance

$3,390

$283

Grange Insurance

$3,581

$298

Farmers

$3,739

$312

Travelers

$3,813

$318

State Farm

$3,914

$326

GEICO

$3,916

$326

GEICO

$3,939

$328

Farmers

$3,946

$329

Travelers

$3,980

$332

GEICO

$4,010

$334

Westfield

$4,093

$341

Hanover

$4,161

$347

Travelers

$4,198

$350

Westfield

$4,226

$352

Hanover

$4,279

$357

State Farm

$4,283

$357

Farmers

$4,307

$359

Farm Bureau Ins of MI

$4,518

$376

Hanover

$4,596

$383

Westfield

$4,623

$385

State Farm

$4,890

$407

Farm Bureau Ins of MI

$4,892

$408

State Farm

$5,843

$487

Encompass

$5,893

$491

Farm Bureau Ins of MI

$6,024

$502

State Farm

$6,400

$533

Encompass

$6,857

$571

Encompass

$6,857

$571

GEICO

$6,903

$575

GEICO

$6,983

$582

GEICO

$7,003

$584

State Farm

$7,416

$618

Hanover

$8,284

$690

Hanover

$9,120

$760

Hanover

$10,702

$892

mglogo icon
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 Sports Cars (September 2023)

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

  • Auto-Owners Insurance Co: $1,009 per year
  • GEICO: $1,202 per year

Farmers has the highest average annual rate of any insurance provider at $2,788.

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 $53 less per year on average compared with those who drive a Toyota Camry LE.

Company
Annual Premium
Monthly Premium

Travelers

$94

$8

Travelers

$101

$8

Travelers

$111

$9

Westfield

$396

$33

Chubb

$397

$33

Westfield

$463

$39

Chubb

$474

$39

Westfield

$515

$43

Encompass

$526

$44

Chubb

$530

$44

Auto-Owners Insurance Co

$560

$47

Auto-Owners Insurance Co

$582

$48

Pioneer State Mutual Ins Co

$596

$50

Encompass

$597

$50

Encompass

$597

$50

Pioneer State Mutual Ins Co

$602

$50

GEICO

$622

$52

GEICO

$622

$52

Progressive

$629

$52

GEICO

$633

$53

Pioneer State Mutual Ins Co

$633

$53

Progressive

$635

$53

Progressive

$638

$53

Auto-Owners Insurance Co

$680

$57

Farm Bureau Ins of MI

$886

$74

Farm Bureau Ins of MI

$921

$77

Grange Insurance

$991

$83

Grange Insurance

$1,003

$84

Auto-Owners Insurance Co

$1,009

$84

Auto-Owners Insurance Co

$1,025

$85

Farmers

$1,043

$87

Auto-Owners Insurance Co

$1,090

$91

Farmers

$1,119

$93

Farm Bureau Ins of MI

$1,144

$95

Chubb

$1,167

$97

GEICO

$1,182

$99

GEICO

$1,202

$100

GEICO

$1,213

$101

Progressive

$1,215

$101

Grange Insurance

$1,218

$101

Farmers

$1,230

$103

Encompass

$1,380

$115

Chubb

$1,401

$117

Progressive

$1,432

$119

State Farm

$1,474

$123

Chubb

$1,579

$132

State Farm

$1,611

$134

Encompass

$1,656

$138

Encompass

$1,656

$138

Progressive

$1,764

$147

State Farm

$1,826

$152

Hanover

$2,010

$168

Travelers

$2,033

$169

Hanover

$2,064

$172

Travelers

$2,180

$182

Hanover

$2,320

$193

Travelers

$2,358

$196

State Farm

$2,398

$200

Farmers

$2,425

$202

State Farm

$2,643

$220

Farmers

$2,788

$232

State Farm

$3,061

$255

Farmers

$3,125

$260

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. However, this might not hold true in your state.

Cheapest Car Insurance in Michigan for Military Drivers (September 2023)

USAA has the cheapest auto insurance in Michigan for active-duty military members and veterans, with a yearly rate of $806.

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.

mglogo
MoneyGeek Top Pick
USAA
  • $806 per year
  • Ranks first out of 14 insurers for affordability

A military member's best option for car insurance in Michigan is USAA. Travelers offers military-specific discounts and bundling, multiple car, good student and safe driving discounts.

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 $775, while Detroit has the highest yearly premium for auto insurance for our sample driver, at around $1,580 for a full coverage policy from Chubb.

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

City
Cheapest Company
Annual Premium

Ann Arbor

Travelers

$910

Detroit

Chubb

$1,580

Grand Rapids

Travelers

$775

Lansing

Travelers

$835

Sterling Heights

Travelers

$1,197

Warren

Travelers

$1,243

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 protection within Michigan and personal injury protection.

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. You also need 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. It must be filed with the DMV by your auto insurer.

  • male icon

    Bodily Injury Liability

    In the state of Michigan, drivers are required to 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.

  • accident2 icon

    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 in excess of $10,000.

  • hospital icon

    Personal Injury Protection

    Unless you receive Medicare or Medicaid in Michigan, your policy will need to 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 may need to rely on health insurance or pay out of pocket if your injuries are severe enough to exceed this limit.

  • carInsurance icon

    Property Protection in Michigan

    Michigan drivers are required to have $1 million in property protection for accidents that happen 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

Having auto insurance is legally required in the state of Michigan. You must show proof of financial responsibility in the form of 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.

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

FAQs About Car Insurance in Michigan

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

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 Madsen

Faculty Member (Business) at Kellogg Community College

Qianying (Jennie) Zhang
Qianying (Jennie) Zhang

Assistant Professor of Finance and Economics at Hillsdale College

Bob Cunningham
Bob Cunningham

Associate Professor & Chair, Business and Economics at Alma College

Gregg Dimkoff, Ph.D., CFP, CLU
Gregg Dimkoff, Ph.D., CFP, CLU

Finance Professor at Grand Valley State University, Consultant, and Financial Planner

Dr. Joseph G. Eisenhauer
Dr. Joseph G. Eisenhauer

Dean of the College of Business Administration at the University of Detroit Mercy

Wayne Miller
Wayne Miller

Adjunct Professor - Wayne Law at Wayne State University and COO at Miller & Tischler P.C.

About Mark Fitzpatrick


Mark Fitzpatrick headshot

Mark Fitzpatrick is a senior content director at MoneyGeek with over five years of experience analyzing the insurance market, conducting original research and creating content that can be personalized for every buyer. He has been quoted on insurance topics in several publications, including CNBC, NBC News and Mashable.

Mark 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 economics and insurance knowledge to bring transparency around financial topics and help others feel confident in their money moves.