Cheapest Car Insurance in Michigan (October 2025)

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Updated: October 13, 2025

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Cheapest Car Insurance Quotes in Michigan

Travelers offers the cheapest rates at $83 per month for full coverage and $25 per month for minimum liability — well below state averages. The insurer dominates 13 of Michigan's 20 largest cities, while GEICO leads for young drivers ages 16 to 25. Skipping full coverage means covering all repair expenses yourself if you cause an accident, so shop around to compare insurance options that work for your budget. MoneyGeek also ranked the best car insurance companies in Michigan by evaluating rates, customer satisfaction and coverage options — Travelers topped that list.

Full coverage car insurance in Michigan costs $138 per month on average — 13% higher than the national average. Minimum coverage averages $64 per month, which is 11% above the national rate. Michigan ranks 40th out of 51 for full coverage affordability, reflecting costs that remain elevated despite recent insurance reforms.

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Cheapest for Full Coverage and Minimum Liability in MI: Travelers

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Cheapest in Most Cities in MI and Best Overall: Travelers

  • Travelers provides the lowest rates in 13 of Michigan's 20 largest cities, making it affordable across the state. MoneyGeek also ranked Travelers as the best car insurance company in Michigan by evaluating rates, customer satisfaction and coverage options.
  • If you want to dig deeper into your best insurance options, MoneyGeek recommends looking at the cheapest or best in your city. Travelers is the cheapest option on average in Michigan's largest cities.

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Cheapest for Young Drivers in MI: GEICO

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Cheapest Full Coverage Car Insurance in Michigan

Travelers offers the cheapest full coverage in Michigan at $79 monthly or $945 annually, though GEICO ($70 monthly) actually provides the lowest monthly rate for comprehensive protection. Both insurers offer solid value in a state where insurance reform has made coverage more affordable.

AAA ($113 monthly), Progressive ($107 monthly), and Auto-Owners ($115 monthly) complete the top five affordable options. Michigan drivers now have more reasonable choices for comprehensive coverage following the state's insurance reforms as of October 2025.

Travelers$83$993
Auto Owners$111$1,330
Geico$111$1,334
State Farm$112$1,341
Safeway Insurance$126$1,510
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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:

Cheapest Liability Only Car Insurance in Michigan

Travelers offers the cheapest liability-only car insurance in Michigan at $25 monthly or $301 annually, providing good value in a state recovering from historically high insurance costs. Michigan's recent no-fault reforms have made coverage more affordable while still maintaining strong protection requirements.

GEICO ($42 monthly) and AAA ($45 monthly) offer solid alternatives, while Progressive ($62 monthly) and Auto-Owners ($57 monthly) complete the top five. Michigan drivers now have more affordable options following significant insurance reform as of October 2025.

Travelers$25-50%
Geico$42-46%
AAA$45-24%
Progressive$62-19%
Auto Owners$57-18%

*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.

Michigan requires minimum liability coverage of $50,000 for bodily injury per person, $100,000 per accident, and $10,000 for property damage, plus personal injury protection (PIP) coverage. The state's higher liability limits and mandatory no-fault benefits provide stronger baseline protection than most states.

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GEEK SPEAK: MARK'S THOUGHTS ON LIABILITY-ONLY INSURANCE

Michigan's insurance reforms finally made coverage affordable, but you're still dealing with some serious weather challenges. Those lake-effect snowstorms that bury the UP and the ice storms that turn Detroit freeways into skating rinks don't care about your budget-friendly premiums.

Your higher liability limits are smart protection, especially with Michigan's lawsuit-friendly environment, but skipping comprehensive means you're on your own when those brutal winters take their toll on your car.

The no-fault system covers your medical bills, but consider whether your property coverage is enough for Michigan's unique weather-related risks.

Remember, the cheapest insurer isn't necessarily the best car insurance for your specific situation. If you're considering full coverage, scroll down to see the cheapest options for full coverage in Michigan.

Cheapest Car Insurance in Michigan by City

Travelers claims the lowest rates in 13 of Michigan's 20 largest cities analyzed in the dataset. Geico offers the best pricing in four cities—Detroit, Flint, Taylor, and Westland—while AAA secures two cities in Dearborn and Dearborn Heights. Progressive rounds out the market with the lowest rate in Livonia at $55 monthly as of October 2025.

A $64 spread separates Michigan's cheapest and most expensive cities for minimum coverage. Kalamazoo residents access the state's lowest rate at $19 monthly through Travelers. Grand Rapids, Lansing, Rochester Hills, and Wyoming all match at $21 monthly with Travelers. Detroit drivers pay the highest premiums at $83 monthly with Geico, followed by Taylor at $64 monthly. Ann Arbor sits at $24 monthly through Travelers, while the state's largest city—Detroit—commands rates more than four times higher than Kalamazoo.

Ann ArborTravelers$24-47%$-44
DearbornAAA$61-44%$-79
Dearborn HeightsAAA$59-33%$-49
DetroitGeico$83-52%$-116
Farmington HillsTravelers$21-60%$-66
FlintGeico$44-53%$-68
Grand RapidsTravelers$20-55%$-52
KalamazooTravelers$19-54%$-46
LansingTravelers$21-55%$-53
LivoniaProgressive$55-29%$-31
NoviTravelers$28-41%$-41
PontiacTravelers$32-55%$-82
Rochester HillsTravelers$21-56%$-55
SouthfieldTravelers$29-62%$-101
Sterling HeightsTravelers$32-54%$-79
TaylorGeico$64-39%$-55
TroyTravelers$28-45%$-48
WarrenTravelers$32-58%$-93
WestlandGeico$58-41%$-54
WyomingTravelers$21-50%$-43

*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 for Young, Senior and Adult Drivers

Finding affordable coverage for younger drivers in Michigan takes extra effort due to elevated premiums across the board. GEICO delivers the best value for drivers ages 16 to 25 with full coverage rates at $125 per month — 55% below Michigan's average for this demographic. Auto-Owners follows at $161 per month, while Pioneer State Mutual rounds out the top three at $252 per month.

Adult drivers between 26 and 64 benefit from Michigan's most competitive rates. GEICO claims the lowest spot at $70 per month for full coverage, with Travelers close behind at $73 per month. Progressive offers another budget-friendly option at $102 per month.

Senior drivers 65 and up see their most affordable rates through Progressive at $122 per month for full coverage — 25% under Michigan's senior average. Travelers comes in second at $137 per month, and Auto-Owners takes third place at $138 per month.

Data filtered by:Results filtered by:
Select
Age Group:Young Drivers
Geico$125$1,501-0.55$-1,809
Auto Owners$161$1,926-0.42$-1,383
AAA$218$2,610-0.21$-699
Pioneer State Mutual Insurance$252$3,025-0.09$-284
Farm Bureau$270$3,239-0.02$-70

Cheapest Car Insurance for High-Risk Drivers in Michigan

Auto-Owners provides the most competitive pricing for texting violations and at-fault accidents, while Travelers excels for drivers facing credit challenges or speeding tickets. Progressive offers the best rates for DUI convictions. Traffic violations and poor credit scores significantly impact what you'll pay for car insurance in Michigan. Drivers maintaining clean records enjoy the lowest rates, while incidents like DUIs, at-fault crashes, speeding or texting violations push premiums considerably higher.

  • Cheapest With a Texting While Driving Violation: Auto-Owners ($112/mo)
  • Cheapest With a DUI: Progressive ($128/mo)
  • Cheapest With an At-Fault Accident: Auto-Owners ($129/mo)
  • Cheapest With a Speeding Ticket: Travelers ($136/mo)
  • Cheapest for Bad Credit: Travelers ($152/mo)
Auto OwnersTexting While Driving$112$1,348
ProgressiveDUI$128$1,538
Auto OwnersAt-Fault Accident$129$1,550
TravelersSpeeding Ticket$136$1,635
TravelersBad Credit$152$1,826

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. 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. 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. 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. 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. 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. 6

    Work on your profile

    A better credit score and clean driving record remain two of the most powerful levers for cheaper premiums. Michigan allows insurers to consider credit scores in pricing, but regulations limit how this factor can be applied.

  7. 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:

    accident2 icon

    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.

    injury icon

    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.

    uninsured icon

    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.

    hurricane icon

    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.

    handcuffs2 icon

    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. Collision coverage typically includes a deductible (the amount you pay out-of-pocket before insurance covers the rest).

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. Note that liability coverage still applies for damages you cause to others. 

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?

Who has the cheapest car insurance rates for young drivers in Michigan?

Who offers the cheapest car insurance rates for seniors in Michigan?

Who has the cheapest car insurance in Michigan for bad credit?

Who has the cheapest car insurance in Michigan with an accident?

Who has the cheapest car insurance in Michigan with a DUI?

Who has the cheapest car insurance in Michigan for those with a speeding ticket?

Should you buy the cheapest car insurance in Michigan?

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 headshot

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.

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