Michigan Auto Insurance (2024)
The average Michigan auto insurance rates are $99 monthly for minimum liability and $220 per month for full coverage. Progressive offers the most affordable rates to most drivers, but Michigan is the most expensive state for car insurance. You can save money by maintaining a good driving record.
Free Car Insurance Comparison
Compare Quotes From Top Companies and Save
Secured with SHA-256 Encryption
Daniel Walker
Licensed Auto Insurance Agent
Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura...
Licensed Auto Insurance Agent
UPDATED: Oct 2, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Oct 2, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
- Michigan auto insurance costs $220 per month, over 70% higher than the national average
- Michigan is the most expensive state for car insurance
- Progressive offers the cheapest auto insurance rates in Michigan on average
If you want to find cheap auto insurance rates in Michigan, you will need to shop online and research some of the companies in your area. The average cost for car insurance coverage in Michigan is around $2,639 annually, or $220 each month. This cost is over 70% higher than the national average for car insurance coverage.
But just because you live in Michigan doesn’t mean you have to pay higher rates for coverage. On the contrary, if you compare auto insurance quotes online, you may get cheaper coverage with some of the biggest names in the insurance industry.
When you shop for affordable Michigan auto insurance, it’s important to compare quotes from several companies rather than accepting the first offer you receive. Comparing quotes will help you learn which insurance companies offer the coverage you’re looking for at a price that works for you.
- Cheap Auto Insurance in Michigan
- White Cloud, MI Auto Insurance (2024)
- Troy, MI Auto Insurance (2024)
- Traverse City, MI Auto Insurance (2024)
- Perry, MI Auto Insurance (2024)
- Lambertville, MI Auto Insurance (2024)
- Lake Odessa, MI Auto Insurance (2024)
- Kalamazoo, MI Auto Insurance (2024)
- Gaylord, MI Auto Insurance (2024)
- Farmington Hills, MI Auto Insurance (2024)
- Edwardsburg, MI Auto Insurance (2024)
- Detroit, MI Auto Insurance (2024)
- Coldwater, MI Auto Insurance (2024)
- Burton, MI Auto Insurance (2024)
- Bessemer, MI Auto Insurance (2024)
- Belleville, MI Auto Insurance (2024)
- Battle Creek, MI Auto Insurance (2024)
- Alpena, MI Auto Insurance (2024)
- Alanson, MI Auto Insurance (2024)
19,116 reviewsCompany Facts
Average Monthly Rate For Good Drivers
A.M. Best Rating
Complaint Level
Pros & Cons
19,116 reviews
17,759 reviewsCompany Facts
Average Monthly Rate For Good Drivers
A.M. Best Rating
Complaint Level
Pros & Cons
17,759 reviews
13,128 reviewsCompany Facts
Average Monthly Rate For Good Drivers
A.M. Best Rating
Complaint Level
Pros & Cons
13,128 reviewsFree Auto Insurance Comparison
Compare Quotes From Top Companies and Save
Secured with SHA-256 Encryption
Free Auto Insurance Comparison
Enter your ZIP code below to view companies that have cheap auto insurance rates.
Secured with SHA-256 Encryption
Factors Impacting Michigan Auto Insurance Costs
Michigan is one of the most expensive states in terms of auto insurance. If you want to find affordable coverage, you will likely have to take your time to research and compare quotes. Annual car insurance rates in Michigan are over $2,600. That equates to around $220 per month for coverage which is 73% higher than the national average for coverage.
It can be helpful to know the average cost for auto insurance coverage in Michigan, but several things impact a person’s car insurance rates other than the state in which they live. Most insurance companies in Michigan consider multiple factors when determining how much a person should pay for coverage.
In Michigan, some of the most common factors that affect car insurance rates include:
- Age. Young drivers are more likely to get into accidents, and older drivers face age-related issues like decreased reaction time.
- Claims history. If you’ve filed multiple claims, you’ll have higher insurance rates.
- Driving history. Traffic tickets, accidents, DUIs, and other similar charges will raise rates. Auto insurance companies check your driving record to determine rates.
- Gender. Car insurance for men and women is different. Men tend to pay higher rates than females, as statistics show men get into more accidents. However, insurers can’t consider gender in California, Hawaii, Massachusetts, Michigan, Montana, North Carolina, and Pennsylvania.
- Marital status and homeownership. Being married and owning a home are signs of responsibility, so it’s assumed that married homeowners carry less risk. Homeowners can bundle multiple auto and homeowners policies, leading to major savings.
- Level of education. Like marital status and homeownership, the assumption is that people with higher education levels are also more responsible. However, education level only minimally impacts rates.
- Vehicle model and make. When setting rates, insurance companies consider safety ratings, crash statistics, and the vehicle’s overall expense.
- ZIP code. Where you live impacts your rates based on weather, crime rates, living costs, and similar factors. The exception is California and Michigan, where using ZIP codes to calculate rates is prohibited.
- Commute distance. If you drive more, you statistically increase your chances of an accident. Therefore, those who drive more than average receive higher rates.
Michigan is one of the few states that does not allow a car insurance company to consider a person’s gender or credit score when determining rates.
Comparing Michigan Auto Insurance Rates
Look at the table below to see what Michigan residents tend to pay for car insurance coverage with different companies.
Auto Insurance Monthly Rates by Coverage Level and Provider
| Insurance Company | Minimum Coverage | Full Coverage |
|---|---|---|
| Allstate | $61 | $160 |
| American Family | $44 | $117 |
| Farmers | $53 | $139 |
| Geico | $30 | $80 |
| Liberty Mutual | $68 | $174 |
| Nationwide | $44 | $115 |
| Progressive | $39 | $105 |
| State Farm | $33 | $86 |
| Travelers | $37 | $99 |
| U.S. Average | $45 | $119 |
The average annual rate for Michigan car insurance with Progressive is $1,069. This breaks down to roughly $89 per month. Geico rates are the next cheapest option. Michigan auto insurance with Geico costs around $1,138 annually or $95 each month.
Travelers auto insurance rates are a bit higher. If you live in Michigan and purchase car insurance with Travelers, you’ll pay around $1,416 annually or $118 per month. And rates with Meemic, which only provides coverage in Michigan, Illinois, Wisconsin, and Georgia, are around $141 each month.
While State Farm and Farmers cost more than the companies already listed, the most expensive auto insurance option in Michigan is Hanover. The average annual cost for a car insurance policy with Hanover is $5,231, which equates to $436 per month.
Keep in mind that these rates are all averages. If you’re interested in purchasing a policy with any of these companies, you should find and compare quotes from multiple providers. Doing so will help you ensure you don’t overpay for car insurance.
The Best Michigan Auto Insurance Rates by City
You may find that the city you live in impacts your car insurance costs. For example, the cheapest car insurance in Michigan is in St. Joseph. In contrast, the most expensive auto insurance rates are found in Detroit.
For example, in Grand Rapids, you can find cheap car insurance at just $1,986 annually or $166 monthly. But auto insurance in Detroit costs $4,726 annually or $394 each month.
If you move from one Michigan city to another, you may find that your car insurance rates change. Most companies charge more in larger cities that have more people and more potential for accidents. Still, finding and comparing quotes online can help in your search for cheap auto insurance in Michigan.
The Best Michigan Auto Insurance for Young Drivers
Michigan auto insurance rates are typically highest for teens and young adult drivers. For example, on average, 18-year-old drivers pay $2,423 more for minimum coverage than 30-year-old drivers. Still, young adult drivers may be able to find reasonable rates for car insurance coverage.
Auto-Owners offers the cheapest car insurance rates for young adults in Michigan. The minimum coverage for an 18-year-old driver costs $3,089 annually or $257 per month, which is 66% lower than the state average.
Full Coverage Auto Insurance Monthly Rates for Teen Drivers
| Insurance Company | 16-Year-Old Female | 16-Year-Old Male | 18-Year-Old Female | 18-Year-Old Male |
|---|---|---|---|---|
| Allstate | $608 | $638 | $448 | $519 |
| American Family | $390 | $480 | $288 | $390 |
| Farmers | $778 | $742 | $573 | $603 |
| Geico | $298 | $312 | $220 | $254 |
| Liberty Mutual | $716 | $778 | $528 | $633 |
| Nationwide | $411 | $476 | $303 | $387 |
| Progressive | $801 | $814 | $591 | $662 |
| State Farm | $311 | $349 | $229 | $284 |
| Travelers | $709 | $897 | $523 | $729 |
| U.S. Average | $558 | $610 | $411 | $496 |
A full coverage policy with Auto-Owners costs $622 per month. To compare, a minimum coverage policy for a teenager with Hanover is $2,204 monthly, while a full coverage policy costs $4,165 each month.
Young drivers may get lower rates if they are added to a guardian’s auto insurance policy. Comparing quotes can also help teens and young adult drivers save money on their coverage.
Comparing Michigan Auto Insurance Companies
Progressive seems to offer the cheapest rates overall in Michigan. Annual car insurance rates with the company are around $1,070, which breaks down to just under $90 per month. Average rates with Progressive are over 50% less than the statewide average for coverage.
Comparing Progressive with Hanover should give you a good idea of the difference in coverage from one company to the next. Hanover charges around $5,231 annually for coverage, which is around $436 per month and 146% more than the statewide average.
Best Michigan Auto Insurance Company for Full Coverage
As stated earlier, full coverage policies cost more than policies that only carry Michigan’s minimum coverage requirements. Progressive offers the cheapest coverage options for full coverage policies in Michigan.
Full Coverage Auto Insurance Rates From Top Providers
| Insurance Company | Monthly Rates |
|---|---|
| Allstate | $160 |
| American Family | $117 |
| Auto-Owners | $33 |
| Farmers | $87 |
| Geico | $80 |
| Liberty Mutual | $174 |
| Nationwide | $115 |
| Progressive | $105 |
| State Farm | $86 |
| Travelers | $99 |
| USAA | $59 |
| U.S. Average | $119 |
Progressive charges around $2,044 annually for a full coverage policy in Michigan, which equates to roughly $170 per month. Auto-Owners offers the next cheapest full coverage option, charging around $260 each month, $90 more per month than Progressive.
Still, Hanover charges the most expensive rates for a full coverage policy. Individuals who purchase car insurance with Hanover can expect to pay around $1,887 each month for coverage.
As you can see, what Hanover charges is much more expensive than a company like Progressive. Therefore, as you search for car insurance coverage, compare quotes from multiple providers so you can find the company that offers the cheapest rates in your area.
Best Michigan Auto Insurance Company for Speeding Tickets
If you have a speeding ticket on your driving record, don’t be surprised when your insurance rates increase. Speeding tickets can increase your car insurance costs by a significant amount each year until your driving record is clean again.
In Michigan, Progressive tends to offer the cheapest auto insurance coverage if you have a speeding ticket on your record. With Progressive, you may pay $207 per month, or $2,485 annually, for full coverage with a speeding ticket. Progressive’s rates are 77% cheaper than the statewide average of $10,678 annually or $890 per month.
Full Coverage Auto Insurance Monthly Rates: One Ticket vs. Clean Record
| Insurance Company | One Ticket | Clean Record |
|---|---|---|
| AAA | $108 | $180 |
| Allstate | $188 | $166 |
| American Family | $136 | $116 |
| Farmers | $173 | $140 |
| Geico | $106 | $95 |
| Hartford | $136 | $175 |
| Liberty Mutual | $212 | $177 |
| Nationwide | $137 | $140 |
| Progressive | $140 | $120 |
| State Farm | $96 | $105 |
| Travelers | $134 | $160 |
| U.S. Average | $147 | $123 |
Auto-Owners offers the next cheapest rates at $301 per month, followed by Frankenmuth at $308 monthly and State Farm at $424 monthly.
Unsurprisingly, Hanover’s rates are much more expensive than the rest. For example, the company charges around $2,582 per month for a car insurance policy if you have one or more speeding tickets on your driving record.
While your rates are likely to increase after receiving a speeding ticket, you may be able to lower your rates by taking a safe driving or defensive driving course. Additionally, some insurance companies allow their policyholders to have one accident or speeding ticket without increasing rates.
One speeding ticket on your driving record can increase your rates by nearly 50% in Michigan. Because of this, comparing quotes is important before you make any commitments. For example, a company like Frankenmuth may only raise premiums by 10% to 12%, while Hanover may increase premiums by closer to 50%.
Even with a speeding ticket on your driving record, you can still shop online and compare quotes to see how much you could save on coverage. Doing so may help you realize it’s time to switch to a new auto insurance provider.
Best Michigan Auto Insurance Company After an Accident
Similar to a speeding ticket, a car accident can significantly increase your insurance rates. Once again, Progressive offers the cheapest coverage for people with an accident on their record. The company charges around $2,849 annually or $237 monthly for coverage. The statewide average for auto insurance after an accident is $11,446 annually or $954 per month.
Full Coverage Auto Insurance Monthly Rates: One Accident vs. Clean Record
| Insurance Company | One Accident | Clean Record |
|---|---|---|
| AAA | $220 | $180 |
| Allstate | $225 | $166 |
| American Family | $176 | $116 |
| Farmers | $198 | $140 |
| Geico | $132 | $95 |
| Hartford | $230 | $175 |
| Liberty Mutual | $234 | $177 |
| Nationwide | $161 | $140 |
| Progressive | $186 | $120 |
| State Farm | $150 | $105 |
| Travelers | $200 | $160 |
| U.S. Average | $172 | $123 |
After Progressive, the next cheapest car insurance provider is Auto-Owners, which offers coverage to people with an accident on their records for $301 per month. Next is Frankenmuth at $362 per month, and then State Farm at $393 per month. Hanover charges its policyholders an average of $2,950 per month.
If you have an accident on your driving record, you may want to shop diligently for coverage to see which companies offer cheap rates.
Best Michigan Auto Insurance Company After a DUI
Unfortunately, receiving a DUI can increase your rates by almost 140%. A DUI is a very serious offense, and most insurance companies see it as such. With a DUI on your driving record, you may lose your car insurance coverage in Michigan altogether.
Once again, Progressive comes in first, offering the cheapest auto insurance to people with a DUI on their records. Progressive charges $199 per month to people with a DUI.
Full Coverage Auto Insurance Monthly Rates by Driving Record
| Insurance Company | One Accident | One DUI | One Ticket | Clean Record |
|---|---|---|---|---|
| AAA | $220 | $240 | $220 | $180 |
| Allstate | $225 | $225 | $195 | $166 |
| American Family | $176 | $176 | $131 | $116 |
| Farmers | $198 | $198 | $176 | $140 |
| Geico | $132 | $132 | $125 | $95 |
| Hartford | $230 | $250 | $215 | $175 |
| Liberty Mutual | $234 | $234 | $217 | $177 |
| Nationwide | $161 | $161 | $175 | $140 |
| Progressive | $186 | $186 | $160 | $120 |
| State Farm | $150 | $102 | $138 | $105 |
| Travelers | $200 | $139 | $205 | $160 |
| U.S. Average | $172 | $173 | $152 | $123 |
Auto-Owners charges $613 monthly, more than three times as much. State Farm comes in third, charging $1,049 per month for coverage. And Hanover continues to have the most expensive rates in Michigan, with monthly rates of $3,463.
If you have a DUI on your driving record, don’t be surprised if you have to shop around a lot before you find a reasonable car insurance policy. Most companies will want to charge you more to offset the inherent risk of covering you after a DUI.
Best Michigan Auto Insurance Company for Young Drivers With Tickets
A speeding ticket can increase a person’s rate. Auto-Owners offers the best price for car insurance to people with a ticket on their record. Unlike other companies, Auto-Owners does not increase a person’s rates after one speeding ticket.
Auto-Owners charges $257 per month for coverage. The next cheapest option is Frankenmuth, which offers coverage for $357 per month, which is $100 more than Auto-Owners.
Hanover is once again the most expensive option for car insurance coverage, charging young adult clients with a speeding ticket $3,201 each month.
Best Michigan Auto Insurance Company for Teens With Accidents
Auto-Owners offers the least expensive coverage to teen drivers who’ve been in an accident. With Auto-Owners, you can expect to pay $257 per month on average if you have been in a car accident. The next cheapest company, Frankenmuth, charges over $400 per month for the same coverage.
Hanover charges around $3,654 per month to the same demographic. If you’re a teen driver and have a car accident on your driving record, you should shop online and compare quotes to see which companies offer the best coverage rates.
Free Auto Insurance Comparison
Enter your ZIP code below to view companies that have cheap auto insurance rates.
Secured with SHA-256 Encryption
Michigan Auto Insurance Requirements
The state laws mandate that each driver meet the following Michigan minimum auto insurance requirements:
- $50,000 bodily injury per person
- $100,000 bodily injury per accident
- $10,000 property damage
- $1,000,000 property protection insurance
In addition to bodily injury and property damage requirements, Michigan also states that drivers must carry certain levels of personal injury protection (PIP) in case of an accident. PIP options for drivers are as follows:
- Unlimited PIP coverage
- $500,000 in PIP coverage
- $250,000 in PIP coverage
- $50,000 in PIP coverage
Certain individuals with Medicaid or other specific qualifying healthcare plans may be able to opt out of PIP coverage. Speak with your local Department of Motor Vehicles for more information on how that works.
Optional Coverage in Michigan
According to the Michigan Department of Insurance and Financial Services, some of the more common coverage options in Michigan include:
- Comprehensive coverage. Comprehensive insurance helps to cover incidents that are not accident-related. If your vehicle is damaged by hail or vandalism, comprehensive insurance will cover the expenses to repair it.
- Collision coverage. Collision insurance covers accident-related incidents. If you’re in an accident and your vehicle is damaged, collision insurance helps to pay for repairs following a covered claim.
- Gap insurance. If you have a loan or lease on your vehicle, you may want to consider gap coverage. With gap auto insurance, the difference between how much you owe on your loan and the actual cash value of your car will be covered. Otherwise, you could end up paying a good bit out of pocket.
- Rental car reimbursement. Rental car reimbursement pays you back for any car rentals you have, up to a certain amount, if your vehicle is in the shop after a covered accident.
- Roadside assistance. If you break down on the side of the road, roadside assistance coverage includes flat tire repair, lockout services, fuel delivery, and towing up to a certain distance.
- Uninsured/underinsured motorist coverage. Even if you carry the required amount of coverage in Michigan, other drivers may not. Uninsured and underinsured motorist insurance helps to cover damage other drivers cause to your vehicle if they don’t have enough insurance to pay for it.
When you add coverage to your policy, you can count on paying more in monthly rates. Still, the additional coverage will offer you peace of mind whenever you get behind the wheel.
Michigan SR-22 Insurance
Michigan requires its drivers to file an SR-22 after certain driving infractions. SR-22 auto insurance is essentially proof of financial responsibility. Michigan drivers may have to file an SR-22 with the state if they:
- Receive a DUI
- Are caught driving without insurance
- Receive numerous traffic citations
- Are at fault in multiple accidents
- Accumulate too many points on their license
An SR-22 is not a specific type of auto insurance. Rather, it is a form your insurance company can file on your behalf with the state proving you carry the proper coverage.
If you have a current insurance company, you need to speak with a representative to see if the company will file an SR-22 on your behalf. In most cases, this will not be a problem, and you’ll be able to keep the coverage you’ve had with your insurer.
If you are uninsured but need an SR-22, you’ll have to find a company willing to offer you coverage. It may be difficult to find a company willing to file an SR-22 for you, but if you take your time and do some research, you should be able to find one. Read our Progressive SR-22 insurance review to find affordable coverage in Michigan.
Sometimes, you may need to file an SR-22 even if you don’t own a car. If this happens, you may have to buy non-owner SR-22 auto insurance to file.
Michigan Auto Insurance: The Bottom Line
You will need to research if you’re looking for cheap car insurance quotes in Michigan. Progressive offers the cheapest quotes in most instances, with Auto-Owners coming in second. Hanover is the most expensive company that offers car insurance in Michigan.
Before you commit to coverage with any provider, finding and comparing auto insurance quotes from multiple companies in your area is a good idea. Doing so will help you determine which company will offer the coverage you want at a rate that works for your budget.
While choosing a minimum coverage auto insurance policy may be the cheapest option in Michigan, it’s not always the best idea. Instead, you should consider purchasing a more robust policy to stay protected when you’re on the road.
Frequently Asked Questions
What’s the average cost of Michigan auto insurance?
The average cost for car insurance coverage in Michigan is around $2,639 annually, or $220 per month. This cost is over 70% higher than the national average for car insurance coverage.
How much is car insurance in Detroit?
Auto insurance in Detroit costs $4,726 annually or $394 per month. According to polls, Detroit is the most expensive city in Michigan to purchase auto insurance.
Can I drive without insurance in Michigan?
You are legally required to purchase car insurance if you live in Michigan and face something if caught driving without it.
Why is Michigan auto insurance so expensive?
Auto insurance is expensive in Michigan because the mandatory minimum coverage limits are quite high. The state recently removed the requirement for unlimited PIP coverage, but rates are still $3,000 more annually than any other state.
What are Michigan’s minimum requirements for car insurance coverage?
Michigan residents must carry $50,000 in bodily injury per person, $100,000 in bodily injury per accident, $10,000 in property damage, and $1 million in property protection insurance.
Is Michigan the highest state for auto insurance?
Michigan is the most expensive state for car insurance, followed by Connecticut and Florida.
How much is the cheapest car insurance in Michigan?
Minimum liability is the cheapest Michigan auto insurance at around $99 monthly. However, this will not cover any damages or injuries you sustain after an accident.
Which company offers the cheapest Michigan auto insurance rates?
Progressive offers the cheapest car insurance in Michigan in most categories. The company offers the cheapest rates for high-risk drivers, including people with accidents and speeding tickets on their records and people who have been convicted of a DUI.
Free Auto Insurance Comparison
Enter your ZIP code below to view companies that have cheap auto insurance rates.
Secured with SHA-256 Encryption
Daniel Walker
Licensed Auto Insurance Agent
Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura...
Licensed Auto Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.