Travelers offers the most affordable car insurance for Michigan drivers, with an average monthly cost of just $35 and an annual rate of $421. This rate represents a $483 savings compared to the typical costs in the Great Lakes State. These rates are sourced from Quadrant Information Services and reflect the cheapest options in Michigan as of December 2024. Read our research methodology to learn about how we found the cheapest Michigan car insurance.
Cheapest Car Insurance in Michigan
Updated: May 21, 2025
Advertising & Editorial Disclosure
Key Takeaways
In December 2024, the cheapest car insurance companies for drivers in Michigan are GEICO, Travelers, Encompass, Auto-Owners and Westfield.
For the lowest rates, GEICO offers full coverage at $86 per month, while Westfield provides minimum coverage at $35 per month.
On average, Michigan residents pay $165 for full coverage and $75 for minimum coverage each month.
What Is the Cheapest Car Insurance in Michigan?
Cheapest Car Insurance Companies in Michigan
The cheapest car insurance company for most Michigan drivers is GEICO, with an average monthly cost of $69 for both minimum and full coverage. This is $51 less than the average rate in the state. Travelers, Encompass, Auto-Owners and Westfield also offer affordable rates.
| GEICO | $69 | $51 |
| Travelers | $70 | $50 |
| Encompass | $82 | $38 |
| Auto-Owners Insurance Co | $86 | $34 |
| Westfield | $87 | $34 |
| Chubb | $88 | $32 |
| Progressive | $91 | $29 |
| Farm Bureau Ins of MI | $108 | $12 |
| Pioneer State Mutual Ins Co | $119 | $1 |
*We used combined minimum and full coverage rates for a 40-year-old driver with good credit and no driving violations to calculate these averages.
Best Car Insurance Rates in Michigan
Westfield offers the most affordable car insurance for both state minimum and full coverage for many drivers in the Great Lakes State. However, your best rate depends on your personal background. The table below highlights the cheapest car insurance rates for various driving profiles.
| Minimum Coverage | Westfield | $35 |
| Full Coverage | GEICO | $86 |
| Drivers With Bad Credit | Travelers | $67 |
| Drivers With a DUI | Chubb | $51 |
| Drivers With an Accident | Chubb | $51 |
| Drivers With a Speeding Ticket | Westfield | $44 |
Read More: Cheapest Car Insurance
Cheapest Minimum Coverage Car Insurance in Michigan
Westfield, Travelers, Encompass and Chubb offer cheap minimum liability coverage for Michigan drivers. Westfield and Travelers have the most affordable rates at $35 per month. Use the table below to explore rates for similar companies and see how they stack up against the monthly state average of $75.
| Westfield | $35 | $41 |
| Travelers | $35 | $40 |
| Encompass | $48 | $27 |
| Chubb | $51 | $24 |
| GEICO | $52 | $23 |
| Auto-Owners Insurance Co | $55 | $20 |
| Progressive | $59 | $16 |
| Farm Bureau Ins of MI | $71 | $4 |
Cheapest Full Coverage Car Insurance in Michigan
GEICO is the cheapest provider for full coverage auto insurance in Michigan, with rates averaging $86 per month or $1,027 per year. This rate is $79 less than the state's average cost. Check the table below for more provider options.
| GEICO | $86 | $79 |
| Travelers | $104 | $60 |
| Encompass | $115 | $49 |
| Auto-Owners Insurance Co | $118 | $47 |
| Progressive | $122 | $42 |
| Chubb | $124 | $40 |
| Westfield | $138 | $26 |
| Farm Bureau Ins of MI | $146 | $19 |
| Pioneer State Mutual Ins Co | $159 | $6 |
Cheapest Car Insurance in Michigan for Young Drivers
In Michigan, young adult drivers can find the best rates with Travelers. A state minimum coverage policy with Travelers costs an average of $41 per month for 25-year-old drivers.
| Travelers | $41 | $42 |
| Westfield | $44 | $39 |
| Encompass | $48 | $35 |
| GEICO | $52 | $31 |
| Chubb | $57 | $26 |
| Auto-Owners Insurance Co | $60 | $23 |
| Progressive | $60 | $23 |
| Grange Insurance | $78 | $5 |
*We used minimum coverage for a 25-year old driver with good credit and no driving violations to determine the cheapest provider.
Cheapest Car Insurance Rates for Young Drivers in Michigan
For young drivers in Michigan, Travelers offers the cheapest minimum coverage at $41 monthly. GEICO provides affordable full coverage at $86 monthly. Chubb is ideal for drivers with a DUI or accident at $57, while Westfield offers affordable rates for those with a speeding ticket at $53. Remember, your premium may vary based on your driving record and other factors, but these companies are a solid starting point for finding affordable rates.
| Travelers | Minimum Coverage | $41 |
| GEICO | Full Coverage | $86 |
| Encompass | Drivers With Bad Credit | $69 |
| Chubb | Drivers With a DUI | $57 |
| Chubb | Drivers With an Accident | $57 |
| Westfield | Drivers With a Speeding Ticket | $53 |
Read More: Cheapest Car Insurance for Young Drivers
Cheapest Car Insurance in Michigan for Seniors
Senior drivers in Michigan can find affordable rates with Travelers. The average monthly cost is $37 for minimum coverage.
| Travelers | $37 | $39 |
| Westfield | $40 | $35 |
| Encompass | $42 | $33 |
| Chubb | $43 | $33 |
| GEICO | $53 | $22 |
| Progressive | $60 | $16 |
| Auto-Owners Insurance Co | $66 | $10 |
| Farm Bureau Ins of MI | $69 | $7 |
*We used minimum coverage for a 65-year old driver with good credit and no driving violations to determine the cheapest provider.
Cheapest Car Insurance Rates for Seniors in Michigan
Travelers offers minimum coverage for seniors in Michigan for $37 per month, GEICO offers full coverage for $85 per month and Chubb is ideal for drivers with violations at $43 per month. Rates may vary, so use the table below to guide your insurance shopping.
| Travelers | Minimum Coverage | $37 |
| GEICO | Full Coverage | $85 |
| Encompass | Drivers With Bad Credit | $60 |
| Chubb | Drivers With a DUI | $43 |
| Chubb | Drivers With an Accident | $43 |
| Chubb | Drivers With a Speeding Ticket | $43 |
Read More: Cheapest Car Insurance for Seniors
Cheap Auto Insurance for High-Risk Drivers in Michigan
Michigan doesn't use DUIs, but it has impaired driving violations. Drivers with these violations, at-fault accidents or speeding tickets are seen as high-risk by insurers and pay more for car insurance than those with a clean record. Depending on the offense, premiums for high-risk drivers can vary. Below are the best rates for drivers with these infractions.
Cheapest Car Insurance in Michigan With a DUI
Chubb offers the best rates for Michigan drivers with DUIs, with monthly premiums of $51 and an annual cost of $612 for minimum coverage. Check the table below for more insurance providers and their average monthly premiums for drivers with DUIs in the Great Lakes State.
| Chubb | $51 | $144 |
| Progressive | $64 | $131 |
| Westfield | $110 | $86 |
| Auto-Owners Insurance Co | $135 | $61 |
| Grange Insurance | $136 | $59 |
| Farmers | $138 | $58 |
| Pioneer State Mutual Ins Co | $164 | $32 |
*We used a 40-year-old driver with good credit and a DUI on record to calculate these averages.
Cheapest Car Insurance in Michigan With an Accident
With rates averaging $51 per month ($612 per year), Chubb is the cheapest company for drivers after an at-fault accident. Below, find other insurers offering affordable coverage for drivers with accidents. Rates apply to minimum coverage policies.
| Chubb | $51 | $63 |
| Westfield | $54 | $60 |
| Auto-Owners Insurance Co | $63 | $51 |
| Encompass | $71 | $43 |
| Progressive | $74 | $40 |
| Farm Bureau Ins of MI | $84 | $29 |
| Pioneer State Mutual Ins Co | $93 | $21 |
| Travelers | $101 | $13 |
*We used a 40-year-old driver with good credit and an at-fault accident on record to calculate these averages.
Cheapest Car Insurance in Michigan With a Speeding Ticket
Westfield offers the cheapest insurance for Michigan drivers with a speeding ticket, averaging $44 per month. Check the table below to compare other providers offering minimum coverage for drivers with a speeding ticket.
| Westfield | $44 | $63 |
| Chubb | $51 | $57 |
| Encompass | $54 | $53 |
| Travelers | $66 | $42 |
| Progressive | $68 | $40 |
| Auto-Owners Insurance Co | $70 | $38 |
| Farm Bureau Ins of MI | $100 | $7 |
| Grange Insurance | $106 | $2 |
*We used a 40-year-old driver with good credit and a speeding ticket on record to calculate these averages.
Cheapest Car Insurance in Michigan by City
Your location plays a big part in how much you pay for car insurance. Even in the same state, cities can have different rates because of how many people live there, flooding risks and crime.
For example, Westfield charges $28 a month in Ann Arbor but only $25 in Grand Rapids for the same state minimum coverage. Check the table below to see the cheapest insurance in your city and the lowest average monthly price.
| Ann Arbor | Westfield | $28 |
| Detroit | Chubb | $53 |
| Grand Rapids | Westfield | $25 |
| Lansing | Travelers | $29 |
| Sterling Heights | Travelers | $40 |
| Warren | Travelers | $39 |
*The lowest rate reference is for a minimum coverage policy for 40-year-olds with good credit and no driving violations.
Cheapest Home and Auto Insurance in Michigan
Michigan's most affordable choice to bundle home and auto insurance is Allstate at $7,809 per year. Check the table below for more cost-effective companies.
| Allstate | $7,809 |
| State Farm | $8,411 |
| Farmers | $25,082 |
*Rates are for a 40 year old driver with good credit and no driving violations
How Much Does Car Insurance Cost in Michigan?
In Michigan, the monthly average cost for full coverage car insurance is $165, while minimum coverage is $75. Understanding the average cost of car insurance in Michigan can help you gauge if you're getting a worthwhile deal on your auto insurance.
Michigan Car Insurance Cost by City
Your car insurance rates vary by city. The table below shows average minimum and full coverage costs in different Michigan cities.
| Ann Arbor | $51 | $116 |
| Detroit | $181 | $366 |
| Grand Rapids | $57 | $126 |
| Lansing | $61 | $135 |
| Sterling Heights | $101 | $185 |
| Warren | $128 | $232 |
Is Car Insurance in Michigan Expensive?
Michigan ranks 7th for high car insurance costs. The state's car insurance rates are driven up by dense cities, weather risks and high car thefts. Car insurance is expensive in Michigan, but understanding these factors can guide residents toward better deals.
Michigan Car Insurance Minimum Requirements
Michigan law mandates that all drivers carry car insurance policies meeting state minimum coverage limits. These include $50,000 for bodily injury per person, $100,000 per accident and $10,000 for property damage per accident, with personal injury protection (PIP) being unlimited.
If you finance or lease your car, expect to need comprehensive and collision insurance on top of the minimum liability coverages. While minimum coverage auto insurance is the most affordable option, it offers the least financial protection. For peace of mind on the road, experts suggest opting for full coverage insurance with the highest deductible and liability limits within your budget.
Bodily Injury Liability
Bodily injury liability covers expenses related to injuries or death caused to others in an accident. The minimum limits are $50,000 per person and $100,000 per accident. This coverage helps pay for medical bills and legal fees.
Property Damage Liability
Property damage liability covers the cost of damages to another person's property. The minimum limit is $10,000 per accident. This helps cover repair or replacement costs for damaged vehicles or property.
Personal Injury Protection
Personal injury protection (PIP) covers medical expenses for you and your passengers, regardless of fault. The coverage is unlimited per person. It helps with medical bills and lost wages after an accident.
Drivers with serious traffic violations, like speeding or impaired driving, may need to file for SR-22 insurance, which can increase your premium. In Michigan, either you or your insurance provider can file the SR-22 form. It remains valid for three years from your most recent offense.
Alternative Ways to Satisfy Michigan Car Insurance Requirements
A surety bond is the most common alternative to traditional car insurance in Michigan. It is a three-party agreement that guarantees you can pay for damages up to the state minimum coverage. This helps you meet Michigan’s insurance requirements without purchasing a standard policy.
Business owners can explore self-insurance or fleet insurance options. Self-insurance means setting aside funds to cover possible claims, offering flexibility and control over insurance costs.
How Much Car Insurance Should I Get in Michigan?
MoneyGeek recommends that drivers get full coverage car insurance. This means you'll have protection under liability, collision and comprehensive coverage. We suggest these liability limits for your policy:
- $100,000 in bodily injury liability per person
- $300,000 in bodily injury liability per accident
- $100,000 in property damage per accident
Comprehensive coverage covers your car's damage from off-road events like theft, vandalism or weather damage. Collision coverage, on the other hand, covers damage from an on-road crash.
If your car is valuable, it's smart to have both comprehensive and collision insurance, even if it's not required by law. When picking your deductible for these coverages, think about what you can comfortably pay from your pocket before your insurance covers the rest.
Cheap Car Insurance in Michigan: Bottom Line
GEICO has the cheapest full coverage at $86 per month, and Westfield offers the cheapest minimum coverage at $35 per month. Cheap insurance can be tempting, but it might not give you the best financial protection. Experts recommend buying the most coverage you can afford for robust financial protection.
Cheap Car Insurance in Michigan: FAQ
MoneyGeek answers common questions about minimum coverage options to ensure you get the right coverage for your needs.
What are the cheapest car insurance companies in Michigan?
GEICO offers the most affordable full coverage insurance in Michigan, with rates starting at $86 monthly. For those seeking minimum coverage, Westfield is the cheapest provider, with premiums as low as $35 per month. These companies provide cost-effective options for drivers prioritizing budget.
Who has the cheapest car insurance rates for young drivers in Michigan?
GEICO offers the lowest car insurance rates for young drivers in Michigan, with an average monthly cost of $69 for state minimum coverage. This rate is significantly below the overall average, making it a financially savvy choice for budget-conscious young motorists seeking essential coverage.
Who offers the cheapest car insurance rates for seniors in Michigan?
Travelers offers the most affordable car insurance rates for seniors in Michigan, with an average monthly rate of $68. This represents a savings of $46 compared to the state average for senior drivers.
Should you buy the cheapest car insurance available in Michigan?
While the allure of the cheapest car insurance may be strong, it's vital to make sure that you are covered against significant financial losses. GEICO offers an excellent blend of affordability and quality service, providing what could be considered the best car insurance in Michigan, combining a low monthly rate of $86 with full coverage.
Similarly, for those seeking basic financial protection at the lowest possible cost, Westfield provides minimum coverage at $35 monthly on average, which makes Westfield an attractive choice for residents on a budget.
How much does car insurance in Michigan cost, on average?
On average, full coverage car insurance in Michigan costs around $165 per month, while minimum coverage is about $75. While opting for the least expensive option can be tempting, it's crucial to consider a plan that adequately safeguards you against significant financial setbacks. Ensuring you're sufficiently covered can protect you from costly out-of-pocket expenses in case of a serious accident or damage to your vehicle. It's about finding the right balance for your protection and budget without compromising on necessary coverage levels.
What are car insurance requirements in Michigan?
Michigan requires drivers to hold a minimum coverage auto insurance policy that includes several components. Required coverages are $50,000 for bodily injury per person, $100,000 for bodily injury per accident and $10,000 for property damage per accident. Moreover, personal injury protection (PIP) is compulsory. While selecting the least expensive insurance may be tempting, choosing a policy that adequately protects against substantial financial losses is essential. It's a smart financial decision to consider coverage beyond the state minimum to ensure fuller protection.
Michigan does not currently require uninsured/underinsured motorist coverage, nor does it mandate specific coverage for Medical Payments or Death Liability. Although not a legal obligation, adding these coverages can offer additional financial security. Assessing your individual risk factors and financial situation is important to determine if these optional protections could benefit you. Aiming for a well-rounded policy can often provide peace of mind and safeguard your finances better than a policy that only meets the state minimum requirements.
Affordable Car Insurance in Michigan: How We Found the Best Cheap Rates
MoneyGeek obtained Michigan auto insurance rates from the Michigan Department of Insurance and Quadrant Information Services. We examined 50284 auto insurance quotes from 14 providers across 74 ZIP codes to determine the most affordable car insurance companies in Michigan.
Michigan Driver Profile
We used a driver profile with the following background information to identify the cheapest auto insurance companies in Michigan:
- 40-year-old male
- 2012 Toyota Camry LE
- Clean driving record
- 12,000 miles driven annually
To find the cheapest option for various driver backgrounds, we adjusted this sample profile by age, driving record, credit score, car make and model, and military service where specified.
Standard Coverage Levels in Michigan
We compared car insurance companies in Michigan that offer both 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 for bodily injury liability per person.
- $100,000 for bodily injury liability per accident.
- $10,000 for property damage liability per accident.
- N/A uninsured motorist bodily injury per person
- N/A uninsured motorist bodily injury per accident
- N/A uninsured/Underinsured property damage coverage
- Unlimited personal injury protection (PIP) per person
- N/A personal injury protection (PIP) per accident
- N/A medical payments coverage
- N/A death liability per person
- N/A death liability per accident
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
Home and Auto Coverage Levels in Michigan
MoneyGeek analyzed the rates of insurance companies for a full-coverage auto insurance policy that includes the following coverage and limits:
- $100,000 in property damage liability
- $100,000 bodily injury liability per person
- $300,000 bodily injury liability per accident
- Comprehensive and collision coverage with a $1,000 deductible
We also analyzed rates for a homeowners insurance policy that includes the following limits and coverage:
- $250,000 dwelling coverage
- $25,000 other structures coverage
- $100,000 personal property coverage
- $25,000 loss of use coverage
- $100,000 personal liability coverage
- $1,000 medical payments coverage
- All-perils 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.