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Michigan Minimum Car Insurance Requirements, Comprehensive No-fault Program, & the Cheapest Providers for Savings

Michigan is a no-fault state and has one of the strictest and most comprehensive no-fault car insurance programs in the nation. Since MI is a no-fault state each driver is required to have Personal Injury Protection (PIP).

Minimum Car Insurance Requirements in Michigan

CoverageMI Minimum Liability CoverageRecommended Auto Insurance Coverage
Bodily Injury Protection$20,000 / $40,000$100,000 / $300,000
Property Damage$10,000$50,000
Uninsured Motorist Bodily Injury Coverage*$20,000 / $40,000$100,000 / $300,000
Property Protection$1 million$1 million
Personal Injury ProtectionUnlimited with a $0, $300 or $500 deductibleUnlimited with a $0, $300 or $500 deductible
Comprehensive CoverageOptional$500 - $1,000 deductible
Collision CoverageOptional$500 - $1,000 deductible

*Coverage can be rejected in writing.

Michigan’s insurance program is broken down into three parts and is unlike any other state. Personal injury protection is going to cover “you” if you are involved in an accident.

Property Protection (PPI) is going to cover the damage you may have done to other peoples property and the amount of cover can reach one million dollars.

Lowest rates in Michigan for 25 year old driver.

Note: As illustrated, the cheapest options for a 25 year old in Michigan are MetLife, GEICO, and Hastings Mutual. The driver illustrated had a good driving record, good credit, and owned a 2014 Honda Accord. Please see table below.

Bodily Injury Liability

Covers damages to the other driver and their passengers when the insured driver is revealed to be at-fault in an accident. Under the minimum coverage, the insurance will pay $20,000 to a single person and up to $40,000 for multiple people concerned in the accident.

Showing cheapest quotes for 30 year old driver.

Note: We found quotes between $2,278 and $2,422 for a 30 year old driver. About 20% lower than the average rate in Michigan.

Property Damage Liability

In the event the other person’s automobile, public property like a place of business or private property such as a residents garage door is damaged in an accident, the minimum property damage liability protection will pay up to $10,000 for damages.

The set limit for insurance in MI is 20,000/40,000/10,000 and although that is the minimum drivers in the state normally get more than the minimum coverage since Michigan can have severe weather during the winter season.

Best premium options for 35 year old by insurance firm.

Note: A 35 year old driver with a decent driving record can find the lowest quotes with MetLife and GEICO. For detailed information please see table below.

Furthermore, the state has a high rate of uninsured motorists, car theft, and a higher rate of accidents than most states in the country.

With all of these factors taken into consideration Michigan is one of the most expensive states to carry car insurance. With Detroit, Dearborn, Southfield, Flint, and Redford being the most costly cities according to aisinsurance.com

Inexpensive auto premium options for 40 year old in MI.

Note: On average the same companies offer the lowest rate for a 40 year old driver. For detailed comparison please see city rates below.

Who Has the Cheapest Car Insurance in Michigan? by Rate

RankMI Auto Insurance CompanyAverage Annual Rate for 25 Y/O DriverAverage Annual Rate for 30 Y/O DriverAverage Annual Rate for 35 Y/O DriverAverage Annual Rate for 40 Y/O DriverAverage Annual Rate for 45 Y/O DriverAverage Annual Rate for 55 Y/O Driver
1MetLife $3,749$2,278$2,008$1,632$1,365$1,067
2GEICO$4,331$2,378$2,088$1,685$1,389$1,089
3Hastings Mutual$4,344$2,387$2,123$1,732$1,409$1,090
4State Farm$4,362$2,409$2,145$1,745$1,411$1,132
5Chubb$4,623$2,422$2,167$1,757$1,413$1,156
6Progressive$4,387$2,414$2,188$1,765$1,423$1,187
7Nationwide$4,388$2,434$2,190$1,778$1,441$1,200
8Pioneer State Mutual$4,401$2,460$2,243$1,785$1,456$1,211
9Allstate$4,489$2,589$2,256$1,841$1,478$1,244
10Farmers$4,554$2,521$2,278$1,847$1,580$1,250
11Frankenmuth$4,605$2,622$2,289$1,849$1,598$1,260
12Grange Insurance$4,699$2,709$2,365$1,878$1,511$1,267
13Encompass$4,750$2,878$2,387$1,956$1,514$1,270
14Amica$4,755$2,832$2,399$1,941$1,543$1,280
15Hanover$4,756$2,878$2,443$1,956$1,544$1,283
1621st Century$4,777$2,945$2,456$1,988$1,534$1,298
17Liberty Mutual$4,788$3,479$2,587$1,990$1,556$1,309
18Millers$4,787$3,502$2,587$2,008$1,631$1,376
19Allmerica$4,805$3,422$2,599$2,054$1,630$1,388
20Mercury$4,900$3,445$2,599$2,120$1,644$1,390
21Auto Club Group$5,004$3,478$2,612$2,165$1,688$1,400
22Safeco$5,799$3,548$2,653$2,189$1,731$1,406

Low-cost premium rate options for 45 year old in MI.

When you are comparing auto insurance quotes you want to make sure of the main factors insurers are looking for to determine your rate.

The primary factors are going to be your driving record, prior insurance, how many years you have been driving, the number of claims in the zip code you reside in, and the make & model of your vehicle.

Since the average premium per year in the state is over $2,000 you are going to want to compare as many quotes as possible to be able to lower your rate.

Lowest premium rates for 55 year old driver in MI.

With our system you can compare as many quotes as you wish. The majority of drivers compare three quotes on average, however in the state of MI it would be a good idea to compare five or more to be sure you have a cost-effective policy with equal or more coverage.

Drivers should never assume they are getting the lowest rate possible when retrieving quotes from one insurance company.

Best Insurers by Consumer Rating, Rate Change, & Number of Complaints

MI Auto Insurance CompanyPremiumsRate Change > 18 Months# of ComplaintsConsumer Rating out of 5 Stars
GEICO$193,080,067+3.1%544.3
Wolverine Mutual$31,641,543+3.4%184.0
State Farm$1,547,865,321 +3.4%1544.4
Amica$121,528,000+3.4%144.1
USAA$155,137,823+3.1%1784.4
Progressive$631,273,206+3.1%1384.5
Farmers $199,742,542+3.1%433.9
Mercury$84,920,209+4.1%23 4.1
MetLife $81,253,753+4.9%313.9
Nationwide$408,631,874 +4.8%1984.4
Liberty Mutual$165,165,829+4.9%294.4
Allstate$576,012,635 +4.3%294.3
21st Century$87,863,887 +2.9%214.2
Travelers$51,504,011 +3.1%84.1
American Family$78,715,033+2.9%374.4
Esurance$76,331,911+3.6%84.3
Safeco$17,456,343+3.5%63.8
Ameriprise$21,010,361 +3.6%83.9
State Auto$10,243,521+2.6%93.9
Kemper$7,125,841+4.1%123.8
Titan$63,912,218+3.1%263.8
Hartford$43,954,567+3.4%484.0
USAA$476,654,759+2.9%94.5
Horace Mann$15,719,994 +3.5%143.9
Westfield Insurance$49,885,127+3.8%313.7
Auto-Owners$150,466,654+4.3%153.9
Frankenmuth$177,396,742+5.1%113.9
MEEMIC$199,074,699+5.1%183.9
Hastings Mutual$48,505,608+4.6%214.0
Sentinel Insurance$9,554,356+4.3%234.0
Michigan Insurance Company$43,406,021+4.4%153.9
Michigan Millers$49,370,514+4.4%193.9
Allstate Indemnity Company$32,340,768+4.1%163.8

Driving w/o Insurance Fines & Penalties in MI

It is important to make sure you are covered while driving in Michigan. The fines and penalties are higher than the nations average which are as follows:

  • Driving w/o insurance first offense – $500 fine and/or up to one year in jail

  • You can incur other fines and penalties including substantial court costs

  • License suspended for 30 days if you cannot provide proof of insurance

  • If in an accident w/o insurance – Lawsuit and held liable for all damages; you will not be paid for medical expenses or loss of wages

  • If you drive another vehicle with no insurance – $500 fine and/or up to one year jail

In the state you want to attempt to have a clean driving record since you can be turned down for insurance if you have been convicted of driving under the influence during the past three years and if you have attempted to defraud an insurance company during the past five years.

Average Rate by City in Michigan

CityAverage RateCity City City 
Adrian$2,431Chesterfield$2,411Jackson$2,500Rochester Hills$2,439
Allendale$2,411Clifford$2,265Kalamazoo$2,643Roseville$2,476
Ann Arbor$2,254Commerce$2,398Kentwood$2,611Saginaw$2,418
Bangor$2,267Dearborn$2,753Lansing$2,786Scottville$2,276
Battle Creek$2,287Eastpointe$2,411Marion$2,318Southgate$2,713
Belmont$2,318Flint$2,786Midland$2,187Stanton$2,682
Birmingham$2,109Glen Arbor$2,154Muskegon Heights$2,538Taylor$2,187
Brownstown $2,154Grand Blanc$2,532Pontiac$2,287Troy$2,265
Burton$2,276Hanover$2,761Portage$2,109Walkerville$2,427
Canton$2,269Holland$2,329Redford$2,499Warren$2,105

Detroit, MI

Cheapest car premium rates in Detroit by insurer.

Detroit is by far the most populous city in the state of Michigan with nearly 700,000 residents. The city of Detroit is known for it’s music industry. Starting with Berry Gordy creating Motown records in the 1960’s. 

Aside from Motown, the endless list of Detroit musicians who came out of Detroit include legends such as John Lee Hooker, Aretha Franklin, Madonna, and Bob Seger. Music and cars dominate the cultural attractions in the Detroit area.

The Motown Museum offers memorable tribute to Berry Gordy and his influential stable of artists. The International Jazz Festival, held each September at Hart Plaza on the Detroit Riverfront, is the largest free jazz festival in North America, featuring 1000 musicians and over 100 performances.

The downtown area near Comerica Park and Ford Field is another spot for the hip younger crowd who sometime gravitate towards Ann Arbor.

Finding cheap car insurance in Detroit can be a difficult task. The city has the highest insurance rates in the nation. On the flip side, if you want to lower your auto premium then start by getting quotes from MetLife, Chubb, and Hastings Mutual.

The average rate in Detroit is over $3,500 per year and each of the insurers illustrated are lower by 23%. For a 30 year old driver MetLife is $2,299 which is 33% lower than the “mean” rate. Chubb and Hasting Mutual are a couple of hundred dollars higher which is 26% lower than the average.  

For a 45 year old driver we found the same top three insurers offering rates near the $1,800 per year mark. Not too bad for the city of Detroit. Any driver in Detroit would be smart to diligently compare quotes to find the most savings while maintain equal or greater coverage.

Detroit CompanyAverage Annual Rate for 30 Y/O DriverAverage Annual Rate for 45 Y/O Driver
MetLife $2,299$1,765
Chubb$2,432$1,790
Hastings Mutual$2,564$1,800
State Farm$2,590$1,867
Auto-Owners$2,687$1,987
Progressive$2,832$2,008
Nationwide$2,858$2,065
Pioneer State Mutual$2,900$2,165
Allstate$2,912$2,254

Grand Rapids, MI

Grand Rapids affordable insurance prices

Grand Rapids is the second largest city in Michigan with approximately 200,000 residents. Full of charm, quaint coffee shops and retail stores, Grand Rapids boasts a complete array of arts and culture. 

There is an extraordinary amount of sculpture within the city. Outdoor works of art associated with world famous artists include, La Grande Vitesse, Ecliptic, American Horse, a 24 ft tall bronze by Nina Akamu.

Also, the city has many cultural attractions which include, Grand Rapids Civic Theater, Circle Theater, Broadway Theater Guild, and the Wealthy Street Theater. Grand Rapids is also host to ArtPrize, one of the largest public art events in the world.

Compared to Detroit, Grand Rapids insurance rates are cheap. The lowest carrier for a 30 year old is MetLife at $1,132. Chubb and Hastings Mutual are at $1,243 and $1,288 respectfully. This is 26% lower than the average rate of $1,950 per year. Pioneer State is another company illustrated which is certainly worth getting quotes from.

A 45 year old driver can find cheaper insurance with MetLife, Chubb, and Hasting Mutual. All of them clustering near the $1,000 rate. Which is 40% lower than the average rate of the city. Out of the 9 carriers we queried, it would be smart for a family of 4 to get quotes from all 9 for maximum savings and optimum coverage.

Grand Rapids CompanyAverage Annual Rate for 30 Y/O DriverAverage Annual Rate for 45 Y/O Driver
MetLife $1,132$988
Chubb$1,243$1,008
Hastings Mutual$1,288$1,076
Pioneer State Mutual$1,290$1,184
GEICO$1,387$1,238
Auto-Owners$1,455$1,288
Progressive$1,567$1,298
Nationwide$1,588$1,299
Allstate$1,632$1,362

Warren, MI

Warren, MI low-cost insurers by price.

Warren, Michigan is the 3rd largest city in the state with nearly 140,000 residents. And only 15 miles north of Detroit. Starting as a village in the early part of the 19th century, by 1957 it was incorporated as a city. 

Between 1940 and 1970, the city experienced an era of large population growth although since that time this trend has reversed itself. Warren today is home to a wide variety of businesses and serves as the headquarters of Big Boy Restaurants International.

Since only miles from Detroit, Warren has many cultural and entertainment activities which include, the Detroit Zoo, Children’s Museum, Motown Historical Museum, National Museum of the Tuskegee Airmen, Museum of Contemporary Art, and the Charles H. Wright Museum of African American History.

The average rate in Warren is over $2,100 per year. We found the cheapest insurance rates with Chubb at $1,211, Pioneer State at $1,254, and MetLife at $1,288 for a 30 year old driver. This is nearly 40% cheaper than the average rate of the city. Progressive and Hastings Mutual are about $100 higher than the lowest three illustrated in the graph.

A 45 year old driver with a good driving history may be able to find rates lower than $1,000 with Chubb. Pioneer State and MetLife are less than $100 higher at $1,032 and $1,054 respectfully. Out of the 9 insurance carriers we queried none of them were higher than $1,600 for a 30 year old driver and $1,310 for a 45 year old driver. All insurers illustrated in the table and graph are 25% lower than the “mean” rate.

Warren CompanyAverage Annual Rate for 30 Y/O DriverAverage Annual Rate for 45 Y/O Driver
Chubb$1,211$967
Pioneer State Mutual$1,254$1,032
MetLife $1,288$1,054
Progressive$1,328$1,087
Hastings Mutual$1,375$1,143
GEICO$1,486$1,211
Auto-Owners$1,490$1,248
Nationwide$1,508$1,285
Allstate$1,555$1,310

Lansing, MI

Lansing, MI inexpensive insurance firms by quotes

Lansing is the 6th most populous city in Michigan with nearly 120,000 residents. Lansing was chosen as a more favorable alternative to Detroit to become Michigan’s capital in 1847. By 1859 it was incorporated as a city. 

Lansing boasts several attractions both cultural and recreational sites which attracts hundreds of visitors each year. The Potter Park Zoo, located along the city’s Red Cedar River, houses hundreds of animals and offers several programs and events for children and families.

Museums in town include the Michigan Historical Museum and the Telephone Pioneer Museum. Downtown theaters include the Riverwalk Theatre and the BoarsHead Theater, and entertainment is provided by the Lansing Symphony Orchestra and the Greater Lansing Ballet Company. Both of which are considered the best in the state.

The average rate in Lansing is a whopping $2,700 per year. We found Pioneer State at $1,310 and Hastings Mutual at $1,322 for a 30 year old driver. Both insurers are 50% lower than the average rate. Auto-Owners and MetLife are about $100 more which is 46% lower than the “mean” rate. Progressive is slight higher at $1,476. A 30 year old driver should get quotes from all insurance companies illustrated for optimum coverage and big savings.

For a 45 year old driver we found 2 insurers less than $1,000 per year. Pioneer State at $988 and Hasting Mutual at $990. Out of all 9 insurers we queried only one of them breached the $1,600 mark for a 30 year old and the $1,300 mark for  a 45 year old – Allstate. Still a low rate compared to the citywide average.

Lansing CompanyAverage Annual Rate for 30 Y/O DriverAverage Annual Rate for 45 Y/O Driver
Pioneer State Mutual$1,310$988
Hastings Mutual$1,322$990
Auto-Owners$1,376$1,054
MetLife $1,432$1,087
Progressive$1,476$1,143
Chubb$1,500$1,176
GEICO$1,532$1,212
Nationwide$1,576$1,254
Allstate$1,600$1,301

Ann Arbor, MI

Ann Arbor, MI lowest premium rate options for drivers.

Ann Arbor is the 5th largest city in the state boasting over 120,000 residents. Mostly known as a college town, it is 40 miles west of Detroit and 45 miles east of Lansing. Ann Arbor has many museums, including the Ann Arbor Hands-On Museum, the Kelsey Museum of Archaeology and the University of Michigan Museum of Art.

Popular festivals during the year are the Arbor Folk Festival, Ann Arbor Summer Festival and the Blues & Jazz Festival in September. All of which attracts thousands of visitors each year. Ann Arbor offers an endless array of outdoor activities such as the Dexter-Huron and the Hudson Mills Metropark.

Residents can find cheap auto insurance by getting quotes from Pioneer State, Chubb, and Hastings Mutual. All of which are 40% lower than the citywide average of $2,200 per year. Auto-Owners and MetLife are approximately 35% lower than the average rate for a 30 year old driver.

For a 45 year old driver we found all of the insurers illustrated in the graph clustered near the $1,000 to the $1,100 mark. Pioneer State is the cheapest at $990 and second lowest is Chubb at $1,009. A family of 4 should get quotes from all insurers illustrated to find the best rate for optimum coverage and maximum savings.

Ann Arbor CompanyAverage Annual Rate for 30 Y/O DriverAverage Annual Rate for 45 Y/O Driver
Pioneer State Mutual$1,276$990
Chubb$1,278$1,009
Hastings Mutual$1,354$1,043
Auto-Owners$1,411$1,054
MetLife $1,476$1,090
Progressive$1,587$1,128
Allstate$1,600$1,287
GEICO$1,610$1,265
Nationwide$1,620$1,290

Sterling Heights, MI

Sterling Heights, MI best rate options for drivers to save.

Sterling Heights is the 4th largest city in Michigan with approximately 135,000 residents. It is also one of the fastest growing cities in the state.

It is home to literally thousands of commercial and industrial businesses and is considered an integral part of the greater Detroit metropolitan area. Some of the main attractions around Sterling Heights include:

  • Crocker House Museum: A 19th Century Italianate Home

  • Detroit Institute Of Arts: Over 100 galleries featuring centuries of world famous art treasures

  • Detroit Symphony Orchestra Hall: Home to the 85-year-old Detroit Symphony

  • Museum Of Natural History: Three stories of exhibits featuring prehistoric life and culture

  • Fisher Mansion: Features original art from Asia and India

  • Ford Estate

  • Four Bears Water Park

Residents can find inexpensive car insurance by getting quotes from Chubb, Pioneer State, and Hastings Mutual. Each at $1,503, $1,543, and $1,589 respectfully for a 30 year old driver. This is 24% lower than the average rate of $2,300 per year for full coverage.

A 45 year old driver would find the cheapest rates with Chubb at $1,187 and Pioneer State at $1,190. Out of the 9 carriers we queried none of them we higher than $1,743 (Nationwide) for a 30 year old and $1,489 for a 45 year old.

Sterling Heights CompanyAverage Annual Rate for 30 Y/O DriverAverage Annual Rate for 45 Y/O Driver
Chubb$1,503$1,187
Pioneer State Mutual$1,543$1,190
Hastings Mutual$1,589$1,265
Auto-Owners$1,600$1,311
GEICO$1,610$1,349
MetLife $1,654$1,387
Progressive$1,689$1,465
Allstate$1,711$1,500
Nationwide$1,743$1,489

Insurance Resources & DMV Information

Department of InsuranceDepartment of TransportationDepartment of Motor Vehicles
530 W Allegan St #7, Lansing, MI 48933
(877) 999-6442
1212 Corporate Dr, Mt Pleasant, MI 48858
(989) 773-7756
8158 Executive Ct, Lansing, MI 48917
(888) 767-6424
WebsiteWebsiteWebsite
Sources

https://www.libertymutual.com

https://www.statefarm.com

https://www.esurance.com

https://www.allstate.com/auto-insurance/michigan-auto-insurance-coverages.aspx

https://www.geico.com

https://www.nationwide.com/michigan-auto-insurance.jsp

Greg Fowler
I love to network, travel, and spend time with my children. When I am not doing that I am working on AutoInsureSavings or other websites. If I am working, the best way to reach me is via my Google+ Profile.

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