Cheapest Car Insurance in Michigan (October 2025)

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Updated: October 2, 2025

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Key Takeaways

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Travelers, GEICO and AAA rank as the cheapest car insurance companies in Michigan, with Travelers offering rates up to 50% below the state average.

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Car insurance costs can be as low as $25 monthly for minimum coverage and $79 for full coverage policies on average in Michigan.

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To secure the lowest-priced car insurance, explore average costs and best insurers in Michigan, benefit from discount programs and compare estimates from different providers.

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

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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.

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$192
High
$139
Average
$87
Low

Rates updated:

Oct 02, 2025

Insurance Carrier
MoneyGeek Score
Average Monthly
Payment
1
Capital Insurance Group

Capital Insurance Group

94
/of 100
$87
2
GEICO

GEICO

82
/of 100
$109
3
State Farm

State Farm

83
/of 100
$118
4
Travelers

Travelers

83
/of 100
$129
5
Progressive

Progressive

79
/of 100
$133
6
Farmers

Farmers

77
/of 100
$151
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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:

Compare the Cheapest Car Insurance in Michigan for You

The tables above show overall winners, but your cheapest option depends on your specific situation. For example, Farm Bureau offers the lowest rates at $159 monthly for adult drivers with poor credit and an accident record who want full coverage. Filter the table to match your exact situation:

Data filtered by:Results filtered by:
Select
Age Group:Adult Drivers
Select
Coverage Level:State Minimum Liability Only
Select
Gender:Male
Select
Credit Alignment:Good
Select
Driving Record:Clean
Travelers$23$277-63%$-477
Progressive$59$712-6%$-42
Auto Owners$57$680-10%$-74
Geico$43$510-32%$-244
AAA$46$552-27%$-202

*Young drivers refer to 16 to 25-year-olds, adults 26 to 64-year-olds and seniors 65+ years of age.

Cheapest Car Insurance in Michigan by City

Where you live in Michigan affects your insurance costs based on local crime, accidents and traffic density. Travelers charges as little as $18 in Addison but $84 with Progressive in Ecorse. Here are the cheapest providers for every Michigan city.

The table breaks down the cheapest insurer in each Michigan city:

Data filtered by:Results filtered by:
Select
City:
DetroitGeico$83-52%$-116
Grand RapidsTravelers$20-55%$-52
WarrenTravelers$32-58%$-93
Sterling HeightsTravelers$32-54%$-79
Ann ArborTravelers$24-47%$-44
LansingTravelers$21-55%$-53
DearbornAAA$61-44%$-79
Clinton TownshipTravelers$28-50%$-58
LivoniaProgressive$55-29%$-31
TroyTravelers$28-45%$-48
Farmington HillsTravelers$21-60%$-66
WestlandGeico$58-41%$-54
FlintGeico$44-53%$-68
WyomingTravelers$21-50%$-43
Rochester HillsTravelers$21-56%$-55
SouthfieldTravelers$29-62%$-101
KalamazooTravelers$19-54%$-46
NoviTravelers$28-41%$-41
PontiacTravelers$32-55%$-82
TaylorGeico$64-39%$-55
Dearborn HeightsAAA$59-33%$-49
Royal OakTravelers$29-43%$-46
St. Clair ShoresTravelers$29-45%$-49
KentwoodTravelers$18-57%$-51
Battle CreekTravelers$21-53%$-48
PortageTravelers$19-49%$-38
East LansingTravelers$20-51%$-43
RosevilleTravelers$29-53%$-67
Commerce TownshipTravelers$25-50%$-51
SaginawTravelers$23-48%$-45
Auburn HillsTravelers$21-58%$-59
Allen ParkProgressive$56-43%$-57
AdrianTravelers$18-58%$-50
MuskegonGeico$35-47%$-41
MarquetteTravelers$20-47%$-37
Mount PleasantTravelers$18-58%$-50
BirminghamTravelers$28-44%$-46
HamtramckGeico$74-57%$-131
Lincoln ParkAAA$45-44%$-60
Garden CityAAA$48-37%$-47
AcmeTravelers$21-50%$-42
AddisonTravelers$18-58%$-51
AftonTravelers$22-49%$-43
AhmeekTravelers$27-46%$-47
AkronTravelers$21-53%$-50
AlansonGeico$27-56%$-45
AlbaTravelers$21-50%$-43
AlbionTravelers$18-62%$-59
AldenTravelers$21-50%$-42
AlgerTravelers$19-57%$-53
AlgonacTravelers$21-51%$-47
AlleganTravelers$18-58%$-50
AllenTravelers$18-58%$-51
AllendaleTravelers$18-55%$-45
AllentonTravelers$21-56%$-57
AllouezGeico$31-51%$-42
AlmaTravelers$18-57%$-48
AlmontTravelers$21-53%$-50
AlpenaTravelers$22-44%$-36
AlphaTravelers$20-51%$-44
AltoTravelers$18-56%$-49
AmasaTravelers$20-51%$-44
AnchorvilleTravelers$21-55%$-55
ApplegateTravelers$21-56%$-55
ArcadiaTravelers$21-54%$-50
ArmadaTravelers$21-57%$-57
ArnoldTravelers$20-50%$-42
AshleyTravelers$18-57%$-49
AthensTravelers$18-59%$-53
AtlantaTravelers$22-50%$-44
Atlantic MineGeico$31-50%$-40
AtticaTravelers$21-54%$-52
AuburnTravelers$20-49%$-40
Au GresTravelers$19-55%$-48
AugustaTravelers$18-58%$-50
Au TrainTravelers$20-52%$-45
AvocaTravelers$22-52%$-50
AzaliaTravelers$21-53%$-49
Bad AxeTravelers$21-53%$-49
BaileyTravelers$18-59%$-53
BaldwinTravelers$19-60%$-60
BancroftTravelers$18-58%$-50
BangorTravelers$18-58%$-50
BannisterTravelers$18-58%$-51
BaragaTravelers$20-50%$-42
BarbeauGeico$35-44%$-36
Bark RiverTravelers$20-54%$-48
BarodaTravelers$18-53%$-42
BarrytonTravelers$18-63%$-62
Barton CityTravelers$22-49%$-44
BathTravelers$20-50%$-41
Bay CityGeico$40-37%$-31
Bay PortTravelers$21-52%$-47
Bay ShoreTravelers$21-49%$-41
Bear LakeTravelers$21-53%$-49
Beaver IslandTravelers$21-49%$-41
BeavertonTravelers$19-59%$-56
BedfordTravelers$21-52%$-48
BeldingTravelers$18-61%$-58
BellaireTravelers$21-49%$-42
BellevilleAuto Owners$53-34%$-42
BellevueTravelers$18-60%$-55
BelmontTravelers$21-51%$-44
BentleyTravelers$19-59%$-56
Benton HarborGeico$39-40%$-34
BenzoniaTravelers$21-51%$-44
BerglandTravelers$20-51%$-43
BerkleyTravelers$29-42%$-44
Berrien CenterTravelers$18-56%$-47
Berrien SpringsTravelers$18-58%$-50
BessemerTravelers$20-51%$-43
BeulahTravelers$21-50%$-42
Beverly HillsTravelers$29-44%$-48
Big BayTravelers$20-50%$-42
Big RapidsTravelers$18-62%$-59
Birch RunTravelers$22-52%$-49
BitelyTravelers$18-63%$-62
Black RiverTravelers$22-50%$-45
BlanchardTravelers$18-60%$-56
BlissfieldTravelers$18-57%$-48
Bloomfield HillsTravelers$28-47%$-53
BloomingdaleTravelers$18-57%$-49
BoonTravelers$21-51%$-44
Boyne CityTravelers$21-48%$-40
Boyne FallsTravelers$21-49%$-41
BradleyTravelers$18-56%$-47
BranchTravelers$19-59%$-58
BrantTravelers$22-54%$-52
BreckenridgeTravelers$18-58%$-50
BreedsvilleTravelers$18-58%$-51
BrethrenTravelers$21-55%$-51
BridgeportTravelers$23-48%$-44
BridgmanTravelers$18-55%$-45
BrightonTravelers$18-57%$-49
BrimleyGeico$35-43%$-35
BrittonTravelers$18-57%$-49
BrohmanTravelers$18-62%$-60
BronsonTravelers$18-57%$-49
BrooklynGeico$40-41%$-36
Brown CityTravelers$21-54%$-51
Bruce CrossingTravelers$20-53%$-48
BrutusGeico$27-56%$-45
BuchananTravelers$18-55%$-45
BuckleyTravelers$21-55%$-52
BurlingtonTravelers$18-59%$-53
BurnipsTravelers$18-55%$-45
Burr OakTravelers$18-59%$-52
BurtTravelers$22-53%$-51
Burt LakeTravelers$22-46%$-38
BurtonTravelers$22-57%$-61
ByronTravelers$18-59%$-53
Byron CenterTravelers$18-56%$-48
CadillacTravelers$21-50%$-43
CaledoniaTravelers$18-57%$-51
CalumetGeico$31-51%$-42
CamdenTravelers$18-60%$-55
Canadian LakesTravelers$18-62%$-61
CannonsburgTravelers$21-51%$-45
CantonGeico$52-37%$-40
CapacTravelers$21-56%$-56
CarletonTravelers$21-55%$-53
CarneyTravelers$20-54%$-49
CaroTravelers$21-54%$-51
Carp LakeGeico$27-55%$-44
CarrolltonTravelers$23-47%$-43
Carson CityTravelers$18-62%$-60
CarsonvilleTravelers$21-57%$-57
CascoTravelers$21-54%$-52
CasevilleTravelers$21-52%$-46
CasnoviaTravelers$18-58%$-51
CaspianTravelers$20-52%$-45
Cass CityTravelers$21-55%$-54
CassopolisTravelers$18-60%$-54
CedarTravelers$21-47%$-39
Cedar LakeTravelers$18-62%$-60
Cedar SpringsTravelers$21-53%$-48
CedarvilleGeico$35-43%$-36
Cement CityTravelers$18-60%$-54
Center LineTravelers$29-58%$-83
Central LakeTravelers$21-50%$-42
CentrevilleTravelers$18-57%$-48
CerescoTravelers$18-57%$-49
ChampionTravelers$20-50%$-42
ChanningTravelers$20-51%$-43
CharlevoixTravelers$21-50%$-42
CharlotteTravelers$18-59%$-52
ChaseTravelers$19-59%$-58
ChassellGeico$31-50%$-41
ChathamTravelers$20-52%$-46
CheboyganTravelers$22-46%$-38
ChelseaTravelers$21-50%$-44
ChesaningTravelers$22-50%$-45
Chippewa LakeTravelers$18-61%$-57
ClareTravelers$19-57%$-52
ClarklakeGeico$40-40%$-36
ClarkstonTravelers$21-55%$-53
ClarksvilleTravelers$18-61%$-56
ClawsonTravelers$28-42%$-43
ClaytonTravelers$18-57%$-49
CliffordTravelers$21-55%$-53
ClimaxTravelers$18-56%$-47
ClintonTravelers$18-56%$-46
ClioTravelers$23-52%$-51
CloverdaleTravelers$18-57%$-49
ColdwaterTravelers$18-57%$-48
ColemanTravelers$21-49%$-42
ColonTravelers$18-57%$-49
ColumbiavilleTravelers$21-54%$-50
ColumbusTravelers$21-53%$-51
CominsTravelers$22-50%$-45
Comstock ParkTravelers$21-50%$-42
ConcordGeico$40-42%$-38
ConklinTravelers$18-55%$-46
ConstantineTravelers$18-56%$-47
CooksTravelers$20-53%$-46
CoopersvilleTravelers$18-55%$-45
CopemishTravelers$21-55%$-51
Copper CityGeico$31-50%$-40
Copper HarborGeico$31-51%$-42
CoralTravelers$18-62%$-61
CornellTravelers$20-52%$-46
CorunnaTravelers$18-58%$-50
CovertTravelers$18-56%$-46
CovingtonTravelers$20-50%$-41
Cross VillageGeico$27-55%$-44
CroswellTravelers$21-54%$-52
CrystalTravelers$18-62%$-61
Crystal FallsTravelers$20-50%$-42
CurranTravelers$22-49%$-43
CurtisGeico$35-44%$-37
CusterTravelers$19-57%$-53
DafterGeico$35-43%$-35
DaggettTravelers$20-55%$-51
DansvilleTravelers$18-58%$-51
DavisburgTravelers$21-54%$-51
DavisonTravelers$23-50%$-46
DecaturTravelers$18-59%$-52
DeckerTravelers$21-55%$-54
DeckervilleTravelers$21-56%$-56
DeerfieldTravelers$18-57%$-48
DeertonTravelers$20-49%$-40
DefordTravelers$21-54%$-51
DeltonTravelers$18-59%$-53
De Tour VillageGeico$35-46%$-40
DewittTravelers$20-51%$-43
DexterTravelers$21-47%$-40
DimondaleTravelers$20-51%$-42
DodgevilleGeico$31-50%$-40
Dollar BayGeico$31-49%$-38
DorrTravelers$18-56%$-47
DouglasTravelers$18-54%$-43
DowagiacTravelers$18-57%$-49
DowlingTravelers$18-60%$-56
Drayton PlainsTravelers$21-57%$-58
Drummond IslandGeico$35-47%$-41
DrydenTravelers$21-56%$-55
DundeeTravelers$21-51%$-45
DurandTravelers$18-59%$-52
EagleTravelers$18-56%$-46
East ChinaTravelers$21-51%$-45
East JordanTravelers$21-51%$-44
EastlakeTravelers$21-54%$-51
East LeroyTravelers$18-58%$-50
EastpointeTravelers$21-69%$-97
EastportTravelers$21-49%$-41
East TawasTravelers$22-47%$-39
Eaton RapidsTravelers$18-56%$-47
Eau ClaireTravelers$18-55%$-45
Eben JunctionTravelers$20-51%$-44
EckermanGeico$35-44%$-37
EcorseProgressive$84-35%$-61
EdmoreTravelers$18-63%$-61
EdwardsburgTravelers$18-60%$-54
ElbertaTravelers$21-50%$-42
Elk RapidsTravelers$21-48%$-39
ElktonTravelers$21-52%$-47
EllsworthTravelers$21-50%$-42
Elm HallTravelers$18-59%$-53
ElmiraTravelers$21-50%$-42
ElsieTravelers$18-58%$-50
ElwellTravelers$18-58%$-50
EmmettTravelers$21-55%$-54
EmpireTravelers$21-49%$-40
EngadineGeico$35-45%$-38
ErieGeico$39-51%$-54
EscanabaTravelers$20-52%$-46
EssexvilleGeico$40-37%$-31
EvartTravelers$19-58%$-54
EwenTravelers$20-51%$-43
FairgroveTravelers$21-51%$-46
Fair HavenTravelers$21-55%$-55
FairviewTravelers$22-48%$-42
FalmouthTravelers$22-51%$-46
FarwellTravelers$19-57%$-52
FelchTravelers$20-53%$-47
FennvilleTravelers$18-56%$-47
FentonTravelers$23-50%$-47
FenwickTravelers$18-61%$-58
FerndaleTravelers$29-55%$-73
Fife LakeTravelers$21-51%$-45
Filer CityTravelers$21-54%$-50
FilionTravelers$21-53%$-49
Flat RockAAA$46-32%$-37
FlushingTravelers$23-51%$-48
Forest HillsTravelers$18-55%$-47
ForestvilleTravelers$21-57%$-58
Fort GratiotTravelers$22-51%$-47
Foster CityTravelers$20-53%$-46
FostoriaTravelers$21-56%$-55
FountainTravelers$19-58%$-55
FowlerTravelers$18-57%$-48
FowlervilleTravelers$18-60%$-55
FrankenmuthTravelers$22-52%$-49
FrankfortTravelers$21-51%$-44
FraserTravelers$29-50%$-60
FredericTravelers$22-46%$-38
FreelandTravelers$22-46%$-39
FreeportTravelers$18-59%$-52
Free SoilTravelers$19-58%$-54
FremontTravelers$18-60%$-55
FrontierTravelers$18-59%$-54
FruitportGeico$33-47%$-38
FultonTravelers$18-58%$-50
GaastraTravelers$20-51%$-43
GagetownTravelers$21-55%$-53
GainesTravelers$23-51%$-49
GalesburgTravelers$19-53%$-44
GalienTravelers$18-56%$-46
GardenTravelers$20-53%$-47
GaylordTravelers$22-46%$-38
GeneseeTravelers$22-55%$-56
GermfaskTravelers$20-51%$-43
GibraltarGeico$41-50%$-54
GladstoneTravelers$20-51%$-44
GladwinTravelers$19-57%$-51
Glen ArborTravelers$21-48%$-40
GlennTravelers$18-54%$-42
GlennieTravelers$22-49%$-44
GoblesTravelers$18-58%$-51
GoetzvilleGeico$35-45%$-38
GoodellsTravelers$22-52%$-50
Good HartGeico$27-56%$-45
GoodrichTravelers$23-50%$-47
Gould CityGeico$35-46%$-39
GowenTravelers$18-62%$-60
Grand BlancTravelers$22-52%$-50
Grand HavenTravelers$18-52%$-40
Grand JunctionTravelers$18-58%$-50
Grand LedgeTravelers$18-57%$-48
Grand MaraisTravelers$20-50%$-43
GrandvilleTravelers$21-49%$-41
GrantTravelers$18-60%$-55
Grass LakeGeico$40-40%$-35
GrawnTravelers$21-49%$-41
GraylingTravelers$22-46%$-38
GreenbushTravelers$22-48%$-41
GreenvilleTravelers$18-61%$-58
GregoryTravelers$18-60%$-55
Grosse IleProgressive$57-29%$-32
Grosse Pointe ParkTravelers$29-55%$-74
Grosse Pointe WoodsTravelers$29-51%$-63
GulliverTravelers$20-50%$-42
GwinnTravelers$20-50%$-42
Hagar ShoresGeico$39-36%$-28
HaleTravelers$22-49%$-43
HamiltonTravelers$18-54%$-43
HancockGeico$31-49%$-39
HanoverGeico$40-44%$-42
HarbertTravelers$18-55%$-44
Harbor BeachTravelers$21-55%$-53
Harbor SpringsGeico$27-56%$-44
Harper WoodsTravelers$29-65%$-114
HarriettaTravelers$21-55%$-52
HarrisonTravelers$19-57%$-52
Harrison TownshipTravelers$28-52%$-63
HarrisvilleTravelers$22-51%$-47
Harsens IslandTravelers$21-53%$-51
HartTravelers$18-59%$-52
HartfordTravelers$18-57%$-49
HartlandTravelers$18-59%$-53
HaslettTravelers$20-50%$-41
HastingsTravelers$18-59%$-53
HawksTravelers$22-47%$-41
Hazel ParkTravelers$29-59%$-88
HemlockTravelers$22-50%$-44
HendersonTravelers$18-58%$-50
HermansvilleTravelers$20-54%$-48
HerronTravelers$22-46%$-38
HerseyTravelers$19-57%$-53
HesperiaTravelers$18-62%$-60
HesselGeico$35-42%$-34
Hickory CornersTravelers$18-59%$-52
Higgins LakeTravelers$22-49%$-44
HighlandTravelers$21-54%$-52
HillmanTravelers$22-50%$-45
HillsdaleTravelers$18-59%$-53
HollandTravelers$18-53%$-42
HollyTravelers$21-56%$-55
HoltTravelers$20-52%$-44
HoltonTravelers$18-58%$-50
HomerTravelers$18-61%$-58
HonorTravelers$21-50%$-43
HopeTravelers$21-49%$-41
HopkinsTravelers$18-55%$-45
HortonGeico$40-43%$-41
HoughtonGeico$31-49%$-39
Houghton LakeTravelers$22-50%$-45
Houghton Lake HeightsTravelers$22-50%$-45
Howard CityTravelers$18-62%$-59
HowellTravelers$18-58%$-51
Hubbard LakeTravelers$22-48%$-41
HubbardstonTravelers$18-62%$-60
HubbellGeico$31-52%$-43
HudsonTravelers$18-58%$-50
HudsonvilleTravelers$18-54%$-42
HulbertGeico$35-43%$-35
Huntington WoodsTravelers$29-46%$-51
IdaTravelers$21-53%$-50
IdlewildTravelers$19-60%$-59
Imlay CityTravelers$21-54%$-52
Indian RiverTravelers$22-49%$-43
IngallsTravelers$20-53%$-48
InksterGeico$64-43%$-65
InterlochenTravelers$21-49%$-40
IoniaTravelers$18-60%$-56
Iron MountainTravelers$20-48%$-39
Iron RiverTravelers$20-50%$-42
IronsTravelers$19-59%$-56
IronwoodTravelers$20-51%$-43
IshpemingTravelers$20-49%$-41
IthacaTravelers$18-58%$-50
JacksonTravelers$24-43%$-38
JasperTravelers$18-56%$-47
JeddoTravelers$21-53%$-49
JenisonTravelers$18-53%$-42
JeromeTravelers$18-60%$-56
JohannesburgTravelers$22-47%$-40
JonesTravelers$18-58%$-50
JonesvilleTravelers$18-60%$-55
KalevaTravelers$21-54%$-51
KalkaskaTravelers$21-51%$-44
KawkawlinTravelers$20-49%$-39
KearsargeGeico$31-51%$-42
Keego HarborTravelers$21-62%$-70
KendallTravelers$18-58%$-50
Kent CityTravelers$21-52%$-47
KewadinTravelers$21-49%$-41
KincheloeGeico$35-43%$-36
KindeTravelers$21-52%$-48
KingsfordTravelers$20-48%$-39
KingsleyTravelers$21-51%$-44
KingstonTravelers$21-56%$-55
KinrossGeico$35-43%$-35
LachineTravelers$22-47%$-39
LacotaTravelers$18-58%$-51
LaingsburgTravelers$18-58%$-50
LakeTravelers$19-58%$-55
Lake AnnTravelers$21-49%$-40
Lake CityTravelers$22-50%$-45
Lake GeorgeTravelers$19-57%$-52
LakelandTravelers$18-60%$-54
Lake LeelanauTravelers$21-48%$-39
Lake LindenGeico$31-51%$-42
Lake OdessaTravelers$18-61%$-56
Lake OrionTravelers$21-55%$-53
LakesideTravelers$18-56%$-46
LakeviewTravelers$18-62%$-61
LakevilleTravelers$21-57%$-59
LambertvilleTravelers$21-54%$-51
LamontTravelers$18-55%$-45
L'AnseTravelers$20-50%$-42
LapeerTravelers$21-52%$-48
La SalleGeico$39-48%$-48
LawrenceTravelers$18-58%$-51
LawtonTravelers$18-57%$-49
LelandTravelers$21-47%$-38
LennonTravelers$18-58%$-51
LeonardTravelers$21-57%$-57
LeonidasTravelers$18-58%$-50
LeroyTravelers$19-58%$-54
LeslieTravelers$18-60%$-55
LeveringGeico$27-56%$-45
LewistonTravelers$22-48%$-42
LexingtonTravelers$21-54%$-51
LincolnTravelers$22-51%$-46
LindenTravelers$23-51%$-49
LinwoodTravelers$20-51%$-43
LitchfieldTravelers$18-59%$-52
Little LakeTravelers$20-50%$-43
Long LakeTravelers$22-49%$-43
LorettoTravelers$20-52%$-46
LowellTravelers$21-51%$-45
LudingtonTravelers$19-54%$-47
Luna PierTravelers$21-57%$-58
LuptonTravelers$22-49%$-43
LutherTravelers$19-60%$-58
LuzerneTravelers$22-49%$-43
LyonsTravelers$18-62%$-60
MacatawaTravelers$18-55%$-45
Mackinac IslandGeico$35-40%$-32
Mackinaw CityTravelers$22-47%$-40
MacombTravelers$21-61%$-68
Madison HeightsTravelers$21-60%$-66
MancelonaTravelers$21-50%$-42
ManchesterTravelers$21-52%$-47
ManisteeTravelers$21-53%$-49
ManistiqueTravelers$20-53%$-47
Manitou Beach-Devils LakeTravelers$18-58%$-51
MantonTravelers$21-54%$-51
Maple CityTravelers$21-48%$-39
Maple RapidsTravelers$18-57%$-50
MarcellusTravelers$18-57%$-49
MareniscoTravelers$20-51%$-43
Marine CityTravelers$21-52%$-47
MarionTravelers$19-59%$-56
MarletteTravelers$21-56%$-56
MarneTravelers$18-56%$-47
MarshallTravelers$18-58%$-50
MartinTravelers$18-57%$-48
MarysvilleTravelers$21-48%$-41
MasonTravelers$18-58%$-50
Mass CityTravelers$20-52%$-45
MattawanTravelers$18-57%$-49
MaybeeTravelers$21-51%$-46
MayvilleTravelers$21-55%$-53
McBainTravelers$22-50%$-45
McBrideTravelers$18-62%$-61
McMillanGeico$35-44%$-36
MearsTravelers$18-60%$-55
MecostaTravelers$18-62%$-60
MelvinTravelers$21-55%$-53
MelvindaleAAA$63-38%$-65
MemphisTravelers$21-56%$-56
MendonTravelers$18-58%$-50
MenomineeTravelers$20-50%$-41
MerrillTravelers$22-50%$-44
MerrittTravelers$22-51%$-47
MesickTravelers$21-55%$-52
MetamoraTravelers$21-55%$-53
MichigammeTravelers$20-50%$-42
Michigan CenterTravelers$19-55%$-48
MiddletonTravelers$18-58%$-51
MiddlevilleTravelers$18-58%$-51
MidlandTravelers$21-46%$-37
MikadoTravelers$22-49%$-43
MilanTravelers$21-49%$-41
MilfordTravelers$21-53%$-50
MillersburgTravelers$22-51%$-46
MillingtonTravelers$21-55%$-54
Minden CityTravelers$21-56%$-56
MioTravelers$22-49%$-43
MohawkGeico$31-52%$-43
MolineTravelers$18-57%$-48
MonroeGeico$39-48%$-47
MontagueTravelers$18-57%$-48
MontgomeryTravelers$18-58%$-51
MontroseTravelers$23-49%$-45
MoranGeico$35-41%$-33
MorenciTravelers$18-56%$-47
MorleyTravelers$18-61%$-58
MorriceTravelers$18-58%$-51
MoshervilleTravelers$18-60%$-55
Mount ClemensTravelers$28-53%$-65
Mount MorrisTravelers$22-59%$-67
MuirTravelers$18-62%$-59
Mullett LakeTravelers$22-47%$-40
MullikenTravelers$18-58%$-50
MungerTravelers$20-51%$-43
MunisingTravelers$20-52%$-45
MunithGeico$40-43%$-40
Muskegon HeightsGeico$38-45%$-41
NadeauTravelers$20-52%$-46
NashvilleTravelers$18-60%$-55
National CityTravelers$22-48%$-41
National MineTravelers$20-51%$-44
NaubinwayGeico$35-44%$-37
NazarethTravelers$18-59%$-52
NegauneeTravelers$20-48%$-39
NewaygoTravelers$18-61%$-57
New BaltimoreTravelers$21-59%$-64
NewberryGeico$35-44%$-37
New BostonGeico$48-48%$-58
New BuffaloTravelers$18-57%$-48
New EraTravelers$18-57%$-49
New HavenTravelers$21-61%$-68
New HudsonTravelers$21-53%$-50
New LothropTravelers$22-51%$-46
NewportTravelers$21-56%$-56
New TroyTravelers$18-56%$-46
NilesTravelers$18-58%$-51
NisulaGeico$31-52%$-44
North AdamsTravelers$18-59%$-53
North BranchTravelers$21-54%$-52
NorthportTravelers$21-47%$-38
North StreetTravelers$22-50%$-45
NorthviewTravelers$21-50%$-43
NorthvilleGeico$48-34%$-32
Norton ShoresGeico$33-48%$-41
NorvellGeico$40-43%$-40
NorwayTravelers$20-50%$-41
NunicaTravelers$18-55%$-45
OaklandTravelers$21-55%$-54
OakleyTravelers$22-51%$-46
Oak ParkTravelers$29-62%$-100
OdenGeico$27-56%$-45
OkemosTravelers$20-49%$-40
Old MissionTravelers$21-48%$-39
OlivetTravelers$18-57%$-49
OmenaTravelers$21-48%$-39
OmerTravelers$19-55%$-49
OnawayTravelers$22-50%$-45
OnekamaTravelers$21-53%$-48
OnondagaTravelers$18-60%$-55
OnstedTravelers$18-58%$-50
OntonagonTravelers$20-50%$-42
OrleansTravelers$18-61%$-58
OrtonvilleTravelers$21-57%$-58
OscodaTravelers$22-48%$-41
OsseoTravelers$18-59%$-53
OssinekeTravelers$22-45%$-36
OtisvilleTravelers$23-52%$-51
OtsegoTravelers$18-55%$-45
Ottawa LakeTravelers$21-56%$-54
Otter LakeTravelers$21-56%$-55
OvidTravelers$18-58%$-50
OwendaleTravelers$21-53%$-49
OwossoTravelers$18-58%$-50
OxfordTravelers$21-55%$-54
PainesdaleGeico$31-51%$-41
PalmerTravelers$20-47%$-37
PalmyraTravelers$18-57%$-48
PaloTravelers$18-61%$-58
ParadiseGeico$35-45%$-38
ParisTravelers$18-61%$-56
ParmaTravelers$19-56%$-51
Paw PawTravelers$18-58%$-50
Paw Paw LakeGeico$39-35%$-28
PeckTravelers$21-55%$-53
PelkieGeico$31-51%$-42
PellstonGeico$27-57%$-47
PentwaterTravelers$18-58%$-51
PerkinsTravelers$20-53%$-48
PerrintonTravelers$18-58%$-50
PerronvilleTravelers$20-53%$-47
PerryTravelers$18-58%$-51
PetersburgTravelers$21-54%$-52
PetoskeyGeico$27-55%$-43
PewamoTravelers$18-61%$-57
PickfordGeico$35-44%$-37
PiersonTravelers$18-62%$-61
PigeonTravelers$21-52%$-47
PinckneyTravelers$18-58%$-51
PinconningTravelers$20-54%$-48
PittsfordTravelers$18-60%$-54
PlainwellTravelers$18-55%$-44
Pleasant LakeGeico$40-43%$-40
Pleasant RidgeTravelers$21-61%$-68
PlymouthGeico$52-31%$-30
Pointe Aux PinsGeico$35-40%$-31
PompeiiTravelers$18-57%$-49
Port AustinTravelers$21-53%$-48
Port HopeTravelers$21-55%$-53
Port HuronTravelers$22-51%$-47
PortlandTravelers$18-59%$-54
Port SanilacTravelers$21-56%$-55
PosenTravelers$22-46%$-38
PottervilleTravelers$18-58%$-50
PowersTravelers$20-53%$-47
PrescottTravelers$22-51%$-46
Presque Isle HarborTravelers$22-46%$-38
PrudenvilleTravelers$22-49%$-43
PullmanTravelers$18-58%$-50
QuincyTravelers$18-57%$-48
QuinnesecTravelers$20-49%$-40
RalphTravelers$20-53%$-47
RamsayTravelers$20-51%$-44
Rapid CityTravelers$21-51%$-45
Rapid RiverTravelers$20-53%$-48
RavennaTravelers$18-59%$-52
RayTravelers$21-59%$-63
ReadingTravelers$18-59%$-53
RedfordGeico$66-43%$-65
Reed CityTravelers$19-58%$-54
ReeseTravelers$21-51%$-46
RemusTravelers$18-61%$-58
RepublicTravelers$20-50%$-41
RhodesTravelers$19-60%$-59
RichlandTravelers$19-53%$-45
RichmondTravelers$21-58%$-61
RichvilleTravelers$21-54%$-52
RigaTravelers$18-56%$-46
RiverdaleTravelers$18-59%$-53
River RougeGeico$74-46%$-83
RiverviewGeico$52-39%$-44
Rives JunctionGeico$40-42%$-38
RockTravelers$20-54%$-48
RockfordTravelers$18-56%$-49
RocklandTravelers$20-52%$-44
RodneyTravelers$18-61%$-57
Rogers CityTravelers$22-49%$-43
RomeoTravelers$21-57%$-57
RomulusGeico$41-60%$-81
RoscommonTravelers$22-49%$-44
RosebushTravelers$18-58%$-51
Rose CityTravelers$22-50%$-45
RothburyTravelers$18-61%$-57
RudyardGeico$35-42%$-34
RuthTravelers$21-55%$-54
SagolaTravelers$20-52%$-45
Saint ClairTravelers$21-50%$-44
Saint HelenTravelers$22-49%$-43
SalemTravelers$21-55%$-54
SalineTravelers$21-47%$-39
SamariaTravelers$21-54%$-52
Sand CreekTravelers$18-57%$-48
Sand LakeTravelers$21-53%$-49
SanduskyTravelers$21-55%$-53
SanfordTravelers$21-49%$-41
SaranacTravelers$18-61%$-56
SaugatuckTravelers$18-54%$-42
Sault Ste. MarieGeico$35-42%$-33
SawyerTravelers$18-54%$-43
SchoolcraftTravelers$18-55%$-44
ScottsTravelers$19-53%$-44
ScottvilleTravelers$19-58%$-53
SearsTravelers$19-59%$-58
SebewaingTravelers$21-53%$-50
SeneyTravelers$20-50%$-42
ShaftsburgTravelers$18-59%$-53
ShelbyTravelers$18-58%$-50
ShelbyvilleTravelers$18-56%$-47
ShepherdTravelers$18-58%$-50
SheridanTravelers$18-63%$-62
SherwoodTravelers$18-58%$-50
ShingletonTravelers$20-52%$-45
SidnawGeico$31-50%$-40
SidneyTravelers$18-62%$-59
SilverwoodTravelers$21-55%$-53
Six LakesTravelers$18-63%$-62
SkandiaTravelers$20-49%$-41
SkaneeTravelers$20-52%$-46
Smiths CreekTravelers$22-49%$-44
SmyrnaTravelers$18-60%$-56
SnoverTravelers$21-56%$-55
SodusGeico$39-37%$-30
Somerset CenterTravelers$18-59%$-54
South BoardmanTravelers$21-54%$-51
South BranchTravelers$22-52%$-48
SouthgateGeico$52-42%$-50
South HavenTravelers$18-56%$-47
South LyonTravelers$21-52%$-47
South RangeGeico$31-50%$-40
South RockwoodTravelers$21-56%$-55
SpaldingTravelers$20-52%$-46
SpartaTravelers$21-50%$-43
Spring ArborTravelers$19-55%$-48
Spring LakeTravelers$18-53%$-41
SpringportGeico$40-45%$-43
SpruceTravelers$22-46%$-38
StandishTravelers$19-54%$-47
StantonTravelers$18-63%$-62
St. CharlesTravelers$22-54%$-52
StephensonTravelers$20-53%$-47
SterlingTravelers$19-56%$-49
StevensvilleGeico$39-32%$-25
St. IgnaceGeico$35-40%$-31
St. JohnsTravelers$18-56%$-46
St. JosephGeico$39-30%$-22
St. LouisTravelers$18-58%$-51
StockbridgeTravelers$23-59%$-68
SturgisTravelers$18-59%$-53
SumnerTravelers$18-59%$-53
SunfieldTravelers$18-58%$-51
Suttons BayTravelers$21-48%$-39
Swartz CreekTravelers$22-51%$-49
Sylvan BeachTravelers$18-55%$-44
Tawas CityTravelers$22-47%$-40
TecumsehTravelers$18-56%$-47
TekonshaTravelers$18-61%$-57
TemperanceTravelers$21-54%$-51
ThompsonvilleTravelers$21-52%$-46
Three OaksTravelers$18-57%$-49
Three RiversTravelers$18-56%$-47
TiptonTravelers$18-57%$-49
ToivolaGeico$31-52%$-44
TopinabeeTravelers$22-48%$-41
TowerTravelers$22-52%$-48
Traverse CityTravelers$21-48%$-39
TrenaryTravelers$20-53%$-46
TrentonAAA$46-33%$-39
Trout CreekGeico$31-53%$-46
Trout LakeGeico$35-42%$-33
TrufantTravelers$18-62%$-61
TurnerTravelers$19-57%$-53
TustinTravelers$19-57%$-52
TwiningTravelers$19-58%$-54
Twin LakeTravelers$18-58%$-50
UblyTravelers$21-55%$-53
UnionTravelers$18-57%$-49
Union CityTravelers$18-59%$-52
Union LakeTravelers$25-49%$-50
Union PierTravelers$18-57%$-48
UnionvilleTravelers$21-54%$-51
University CenterTravelers$20-49%$-39
UticaTravelers$21-61%$-68
VandaliaTravelers$18-59%$-53
VanderbiltTravelers$22-47%$-39
VassarTravelers$21-54%$-51
VermontvilleTravelers$18-60%$-54
VernonTravelers$18-58%$-51
VestaburgTravelers$18-62%$-60
VicksburgTravelers$18-56%$-47
VulcanTravelers$20-54%$-49
WakefieldTravelers$20-51%$-43
WaldronTravelers$18-60%$-54
WalhallaTravelers$19-57%$-52
WalkerTravelers$21-50%$-44
WalkervilleTravelers$18-62%$-61
WallaceTravelers$20-51%$-43
Walled LakeTravelers$25-49%$-50
Walloon LakeTravelers$21-48%$-40
WashingtonTravelers$21-57%$-58
WaterfordTravelers$29-42%$-43
WatersTravelers$22-47%$-39
WatersmeetTravelers$20-51%$-44
WatervlietTravelers$18-56%$-46
WattonTravelers$20-50%$-42
WaylandTravelers$18-56%$-47
WayneAAA$48-39%$-51
WebbervilleTravelers$18-59%$-54
WeidmanTravelers$18-58%$-51
WellsTravelers$20-52%$-46
WellstonTravelers$21-55%$-51
West BloomfieldTravelers$28-51%$-62
West BranchTravelers$22-49%$-43
West OliveTravelers$18-54%$-43
WestonTravelers$18-58%$-50
WestphaliaTravelers$18-56%$-46
WetmoreTravelers$20-53%$-47
WheelerTravelers$18-58%$-51
White CloudTravelers$18-62%$-60
WhitehallTravelers$18-55%$-45
White LakeTravelers$25-48%$-47
White PigeonTravelers$18-59%$-52
White PineTravelers$20-50%$-42
Whitmore LakeTravelers$18-57%$-49
WhittakerTravelers$21-52%$-47
WhittemoreTravelers$22-48%$-42
WilliamsburgTravelers$21-50%$-42
WilliamstonTravelers$18-56%$-47
WillisTravelers$21-54%$-51
WilsonTravelers$20-53%$-47
WinnTravelers$18-59%$-53
WixomTravelers$21-56%$-56
WolverineTravelers$22-49%$-43
WoodlandTravelers$18-60%$-55
WyandotteGeico$52-39%$-44
YaleTravelers$21-55%$-54
YpsilantiTravelers$21-56%$-55
ZeelandTravelers$18-54%$-42

*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 By Driver Age Group

We analyzed car insurance rates across Michigan for three age groups: young drivers (16 to 25), adult drivers (26 to 64) and seniors (65+). Here are the providers that offer the best deals:

  • Young drivers can get the lowest rates from GEICO, starting at $69 per month
  • Adult drivers find the best deals with Travelers, with rates from $23 per month
  • Senior drivers see the most affordable coverage through Progressive, beginning at $43 per month

Cheapest Car Insurance for Young Drivers in Michigan

Young drivers in Michigan can find their most affordable coverage with GEICO. For minimum coverage, GEICO's monthly rate of $69 saves drivers 43% compared to the state average. GEICO also offers the cheapest full coverage at $125 per month, providing a 55% savings on average.

Data filtered by:Results filtered by:
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Coverage Level:State Minimum Liability Only
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Gender:Male
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Credit Alignment:Good
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Driving Record:Clean
Geico$69$827-41%$-582
Auto Owners$69$832-41%$-577
AAA$74$889-37%$-520
Allstate$98$1,171-17%$-238
Travelers$100$1,197-15%$-212

Cheapest Car Insurance for Adult Drivers in Michigan

Travelers offers Michigan's most affordable car insurance for adults aged 26 to 64. Drivers can get minimum liability coverage for $23 monthly or full coverage for $73 per month.

Data filtered by:Results filtered by:
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Coverage Level:State Minimum Liability Only
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Gender:Male
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Credit Alignment:Good
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Driving Record:Clean
Travelers$23$277-63%$-477
Geico$43$510-32%$-244
AAA$46$552-27%$-202
Auto Owners$57$680-10%$-74
Progressive$59$712-6%$-42

Cheapest Car Insurance for Senior Drivers in Michigan

Progressive offers Michigan seniors the most affordable rates for both coverage types, with annual premiums of $1,459 for full coverage and $514 for minimum coverage.

Data filtered by:Results filtered by:
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Coverage Level:State Minimum Liability Only
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Gender:Male
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Credit Alignment:Good
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Driving Record:Clean
Travelers$43$514-47%$-447
AAA$66$797-17%$-164
Progressive$69$830-14%$-131
Allstate$70$836-13%$-125
Frankenmuth Insurance$74$891-7%$-71

Cheapest Car Insurance for High-Risk Drivers in Michigan

We studied five core areas for profiles insurers consider particularly high-risk in Michigan including those with bad credit, DUIs, accidents, speeding tickets and texting while driving. Here are the providers that offer the best rates for each group:

  • Cheapest for Bad Credit: Farm Bureau (From $159/mo)
  • Cheapest With a DUI: Progressive (From $134/mo)
  • Cheapest With an Accident: Auto-Owners (From $133/mo)
  • Cheapest With a Speeding Ticket: Travelers (From $147/mo)
  • Cheapest With a Texting While Driving Violation: State Farm (From $41/mo)

Cheapest Car Insurance for Bad Credit in Michigan

Farm Bureau offers Michigan drivers with bad credit the most affordable car insurance rates. Annual premiums start at $745 for minimum liability coverage and competitive rates for full coverage policies with comprehensive and collision protection.

Data filtered by:Results filtered by:
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Age Group:Adult Drivers
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Coverage Level:100/300/100 Full Cov. w/$1,000 Ded.
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Gender:Male
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Driving Record:At Fault Accident ($1000-$1999 Prop Dmg)
Farmers$261$3,137-35%$-1,725
Pioneer State Mutual Insurance$272$3,268-33%$-1,593
Auto Owners$251$3,017-38%$-1,845
Farm Bureau$190$2,275-53%$-2,587
Frankenmuth Insurance$325$3,899-20%$-963

Cheapest Car Insurance With a DUI in Michigan

Progressive offers the lowest rates for Michigan drivers with a DUI, with annual premiums starting at $863. Farmers provides the second most affordable option in Michigan, with yearly costs of $1,329.

Data filtered by:Results filtered by:
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Age Group:Adult Drivers
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Coverage Level:100/300/100 Full Cov. w/$1,000 Ded.
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Gender:Male
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Credit Alignment:Good
Progressive$128$1,538-65%$-2,882
Farmers$235$2,824-36%$-1,596
Pioneer State Mutual Insurance$274$3,289-26%$-1,131
Auto Owners$255$3,058-31%$-1,362
AAA$274$3,289-26%$-1,131

Cheapest Car Insurance With an Accident in Michigan

Our analysis shows Travelers offers the most affordable car insurance for Michigan drivers with an accident on their record. Minimum liability coverage from Travelers costs $61 per month or $732 per year.

Data filtered by:Results filtered by:
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Age Group:Adult Drivers
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Coverage Level:100/300/100 Full Cov. w/$1,000 Ded.
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Gender:Male
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Credit Alignment:Good
Auto Owners$129$1,550-29%$-621
Progressive$161$1,930-11%$-241
Pioneer State Mutual Insurance$168$2,011-7%$-160
AAA$149$1,787-18%$-384
Geico$178$2,140-1%$-31

Cheapest Car Insurance With an Speeding Ticket

Travelers offers the lowest car insurance rates in Michigan for drivers with speeding tickets. Michigan drivers can expect to pay $499 annually for minimum coverage or $1,635 for full coverage through Travelers.

Data filtered by:Results filtered by:
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Age Group:Adult Drivers
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Coverage Level:100/300/100 Full Cov. w/$1,000 Ded.
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Gender:Male
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Credit Alignment:Good
Progressive$137$1,646-25%$-548
Travelers$136$1,635-25%$-559
Auto Owners$144$1,733-21%$-460
Geico$153$1,831-17%$-363
AAA$156$1,875-15%$-319

Cheapest Car Insurance With a Texting While Driving Violation

Drivers in Michigan with texting while driving violation can get the most affordable car insurance rates with Travelers. It offers minimum coverage at $499 per year. Auto Owners provide the cheapest available rate for full coverage policy at $1,348 per year.

Data filtered by:Results filtered by:
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Age Group:Adult Drivers
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Coverage Level:100/300/100 Full Cov. w/$1,000 Ded.
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Gender:Female
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Credit Alignment:Below Fair

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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