Car Insurance in Michigan: How to Find the Policy That Fits You

MoneyGeek provides analysis and solutions for all your needs when it comes to car insurance in Michigan.

Find the Best or Cheapest Car Insurance in Michigan

MoneyGeek collected and analyzed quotes to find the most affordable insurers in Michigan. To determine the best companies balancing cost and affordability, MoneyGeek used its unique scoring system. For drivers evaluating overall expenses, MoneyGeek broke down how much car insurance costs depending on factors like your age, driving record and more.

If your premiums are expensive, MoneyGeek found out why car insurance could be expensive in Michigan.

Our resources above dive into the cheapest and best auto insurance for different types of drivers. The table below shows a quick summary of what you can expect to find. Unless noted, all recommendations are for a full coverage policy.

tip icon
  • Minimum liability: Nationwide
  • Full coverage: GEICO
  • Drivers with a DUI: Progressive
  • After an accident: USAA
  • Drivers with a ticket: Nationwide
  • Drivers with bad credit: Nationwide
  • Senior drivers: MetLife
  • Student drivers: Progressive
tip icon
  • Overall: Auto-Owners Insurance Co
  • Customer Service: The Hartford
  • On a Budget: Auto-Owners Insurance Co
  • Poor Driving Record: Auto-Owners Insurance Co
  • Military: USAA
  • Young Drivers: Progressive
  • New Cars: MetLife
  • Low-Mileage Drivers: Nationwide

Get a Michigan Car Insurance Quote

In Michigan, auto insurance premiums can differ by as much as $16,817 per year for the same driver across different companies. Comparing quotes can help you find potential savings, and it doesn’t need to be time-consuming.


Car Insurance Laws in Michigan

When researching car insurance laws and requirements in Michigan, MoneyGeek has all the resources you need. You’re required to have the following liability insurance and personal injury protection coverages in Michigan.

  • $20,000 bodily injury liability per person
  • $40,000 bodily injury liability per accident
  • Unlimited personal injury protection per person
  • Unlimited personal injury protection per accident
  • $1 million property protection

Michigan only mandates low liability limits and no comprehensive and collision insurance. As a result, you’re only protected by the financial limits listed above. How much car insurance you need depends on your unique situation and not the legal mandates.

tip icon

High-risk drivers, like those with a DUI, are required to file an SR-22 in Michigan. This is a form showing proof of insurance. MoneyGeek explains how to file an SR-22 with your insurer and its costs.

Specialty Car Insurance in Michigan

Sometimes, traditional car insurance may not fit your needs. That said, MoneyGeek explored specialty policies in Michigan to help you find the best alternatives, like non-owner car insurance, temporary car insurance and low-income car insurance. Below, you can learn more about these unique car insurance options in Michigan.

MoneyGeek Specialty Car Insurance Resources


Non-owner car insurance

Drivers who rent or borrow cars often might find non-owner car insurance in Michigan to be a good option.


Temporary car insurance

To get temporary car insurance in Michigan, you can buy a policy then cancel it early. Another option is to get rental car insurance. This is ideal if you will only be driving for a short amount of time.


Car insurance for low-income drivers

Even though the state doesn’t offer financial assistance for drivers in need, MoneyGeek discovered ways that low-income drivers in Michigan can save money.

About the Author


Mark Fitzpatrick is a senior content manager with MoneyGeek specializing in insurance. Mark has years of experience analyzing the insurance market and creating original research and content. He graduated from Boston College with a Bachelor of Arts and Johns Hopkins University with a Master of Arts.