Cheapest Low-Income Car Insurance in Michigan

Travelers commands Michigan's minimum coverage market for clean-record drivers, delivering young drivers rates at $37, adults at $32, seniors at $34, and speeding violations at $61 per month. Progressive and Auto-Owners split the higher-risk categories, with Progressive providing DUI coverage at $83 and Auto-Owners handling accident-related policies at $73 monthly. 

We found Michigan occupies a mid-range position nationally, avoiding the extreme costs seen in states like New York or Florida while not achieving the rock-bottom rates of Wyoming or Iowa. The state's unique no-fault insurance system affects overall coverage requirements, though minimum liability pricing remains competitive for budget-focused drivers. Provider selection creates meaningful cost differences in Michigan, particularly for violation-related profiles where monthly premiums can vary by dozens of dollars between competing insurers for identical driver circumstances.*

*All rates in this table, except for adults, are based on a modified profile of a 40-year-old driver with a clean record insuring a 2012 Toyota Camry. The age ranges are 22 to 29 for young drivers, 30 to 59 for adults and 60+ for seniors.

Travelers delivers Michigan families extraordinarily low minimum coverage: married couples without teens pay just $13 monthly, couples with teenagers $36, and single parents $46. Michigan's unique insurance regulatory environment creates dramatic cost variations, with State Farm charging married couples with teens $436 monthly compared to Travelers' $36, a $400 difference for identical coverage. 

Single parents secure affordable protection through Travelers at $46, far cheaper than most states where such families pay $100 to $200 monthly. Adding a teenage driver costs roughly $23 through Travelers, one of the nation's smallest teen premium increases. The state's no-fault insurance system affects overall coverage requirements, though our research found minimum liability pricing remains highly competitive for families choosing Travelers.*

*Rates for couples and single parents with teens apply to a 16-year-old driver. Those for a married couple without children are based on a 40-year-old male with good credit and a clean driving record.

Michigan residents must meet the state's minimum car insurance requirements: 

• $50,000 in bodily injury liability per person
• $100,000 in bodily injury liability per accident
• $10,000 for property damage per accident

If you're leasing or financing a vehicle, you need liability coverage of 100/300/100 and comprehensive and collision protection.

Travelers provides the cheapest car insurance for most low-income drivers in Michigan. High-risk drivers can find affordable rates with Westfield for speeding tickets or accidents and Chubb for DUI. Compare multiple providers to secure the best deal.

Low-income drivers often struggle to find affordable car insurance. Below are answers to common questions about saving money on premiums.

Study Overview

MoneyGeek analyzed Michigan auto insurance rates using data from the Michigan Department of Insurance and Financial Services and Quadrant Information Services.

Data Acquisition, Depth and Analysis

MoneyGeek reviewed 328,384 quotes from 14 companies across 370 ZIP codes to determine the average cost of car insurance for drivers with low income in Michigan.

Sample Driver Profile

We used a sample driver profile with the following attributes to determine average car insurance rates for low-income drivers in Michigan:

• 40-year-old male
• 2012 Toyota Camry LE
• Clean driving record
• 12,000 miles driven annually

To determine rates for specific driver profiles, we adjusted factors such as age, family status and driving history.

Our study defines seniors as 60 or older, young drivers as 22 to 29 and adults as 30 to 59. Married couples with a child include 40-year-old male and female drivers with a 16-year-old teen. Single parents with children are 40-year-old male or female drivers with a 16-year-old teen.

Coverage Levels and Deductibles

Our data shows rates for minimum coverage, which follows the requirements set by Michigan law and offers affordable options for low-income drivers.