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Michigan Cheapest Car Insurance & Best Insurance Options

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Updated May 6th, 2021

Checked by
Jaime Arias
Licensed Agent
Reviewed by
Jennifer Benson
Licensed Agent
Advertiser Disclosure: Some of the offers within the content are from companies where AutoInsureSavings.org may receive compensation. This does not influence our analysis of services or products. Our opinions are our own in good faith.

AutoInsureSavings.org licensed agents analyzed the cheapest car insurance in Michigan and found Frankenmuth provides the cheapest state minimum coverage at $964 per year or 54% less expensive than average rates of $2,053 per year.

At $1,741 per year, Progressive provides cheap car insurance in Michigan for drivers who need full coverage or 45% cheaper than state average rates of $3,147 per year.

Cheapest Auto Insurance in Michigan

Michigan car insurance shoppers should compare quotes with the same coverage level with at least three insurance companies to find the best rate and save more on their car insurance premiums.

Cheapest Car Insurance in Michigan - Key Takeaways
AutoInsureSavings.orgThe cheapest Michigan car insurance options are:

Cheapest for minimum coverage: Frankenmuth
Cheapest for full coverage: Progressive
Cheapest after an at-fault accident: Progressive
Cheapest after a speeding ticket: Frankenmuth
Cheapest after a DUI: Progressive
Cheapest for young drivers: Auto-Owners
For younger drivers with a speeding violation: Frankenmuth
For younger drivers with an at-fault accident: Auto-Owners

Enter your Zip Code or use this practical Michigan auto insurance guide which is the best way to find top car insurance providers in your area regardless of driving type or age group.

Cheapest car insurance in Michigan with Frankenmuth, Progressive, and Auto-Owners Insurance compared with average rates.

Cheapest Car Insurance in Michigan for Minimum Coverage

Frankenmuth offers the cheapest minimum coverage rates for drivers in Michigan with good driving records, which provided us a $964 per year rate or $1,089 cheaper than the $2,053 average rates for our 30-year-old sample driver.

Service members or a family member of military personnel can find the best car insurance rates with USAA, which offered our agents an $568 per year quote or $47 per month for minimum coverage liability insurance.

Cheapest Michigan car insurance companies for minimum coverage, by quote

Auto InsurerAnnual costMonthly cost
USAA$568$47
Frankenmuth$964$80
Progressive$980$81
Auto-Owners$1,043$87
Safeco$1,089$91
State Farm$1,427$118
MEEMIC$1,562$130
Hanover$1,980$165
MetLife$2,243$186
Liberty Mutual$2,574$214
Allstate$4,175$347

*USAA is for qualified military members, their spouses, and direct family members. Your auto insurance rates may vary based on your driver profile.

Buying a minimum coverage policy is the cheapest way to meet Michigan car insurance requirements to ensure you stay legal.

State minimum coverage may not have sufficient coverage with the amount of bodily injury coverage and property damage coverage you need if you are involved in an auto accident.

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A state minimum auto policy in Michigan only covers up to $40,000 per accident in residual bodily injury liability and $10,000 per accident in residual property damage liability with $1 million per accident of property protection insurance and variable personal injury protection coverage under the new Michigan law.

Cheapest Full Coverage Car Insurance in Michigan

Progressive offers the cheapest auto insurance rates for drivers in Michigan with good driving records for full coverage. Progressive’s $1,741 per year rate is 45% less expensive than state average rates of $3,147 per year. 

Cheapest Michigan car insurance companies for full coverage, by quote

InsurerAnnual costMonthly cost
USAA$1,638$136
Progressive$1,741$145
Frankenmuth$2,038$169
Auto-Owners$2,246$187
State Farm$2,476$206
Safeco$2,842$236
Hanover$4,327$360
MetLife$4,487$373
Allstate$6,160$513
Michigan average$3,147$262

A full-coverage policy for drivers in Michigan costs more than liability-only policies but offers more asset protection with comprehensive and collision insurance included. Your motor vehicle is protected no matter who is at fault or property damage from hitting a street sign or fallen tree branch. 

Cheapest Car Insurance in Michigan with a Speeding Ticket

Frankenmuth offers the cheapest car insurance for Michigan drivers with speeding tickets on their driving records. Frankenmuth’s $2,437 per year rate is 38% or $1,458 less expensive than state average rates.

Cheapest Michigan insurance companies for full coverage after a speeding ticket, by quote

Auto InsurerAnnual costMonthly cost
Frankenmuth$2,437$203
Progressive$2,576$214
Auto-Owners$2,723$226
State Farm$3,154$262
Michigan average$3,895$324

According to Michgan.gov, your auto insurance rates can increase by $748 per year or 20% with one traffic violation for speeding

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Most auto insurers will increase car insurance rates after traffic tickets, so you want to make sure to shop around for cheaper insurance companies after any traffic violation on driving records.

Drivers in Michigan can take the Basic Driver Improvement Course, so the Secretary of State will not make points from speeding tickets available to car insurance companies.

Cheapest Car Insurance in Michigan With a Car Accident

According to our analysis, Progressive offers the cheapest insurance for Michigan drivers with an at-fault accident with a $2,281 per year car insurance premium for our sample driver. 

Progressive’s rate is 62% less expensive than Michigan’s average rates ($6,154 per year) for drivers in Michigan with one accident in their driving history.

Cheapest Michigan insurance companies for full coverage after an accident, by quote

InsurerAnnual costMonthly cost
Progressive$2,281$190
State Farm$2,954$246
Auto-Owners$3,150$262
Frankenmuth$3,366$280
Michigan average$6,154$512

Getting into an at-fault accident may cause a rate increase of 49% or $3,007 per year for two years, showing the importance of shopping for cheaper auto insurance in Michigan if you have a change on your driving record.

To make sure you get the best rates, be sure to shop around and compare auto insurance quotes with at least three car insurance companies after a car accident.

Cheapest Car Insurance in Michigan with a DUI

Drivers in Michigan with DUI (OWI) offenses on their driving records can find the cheapest insurance with Progressive, which provided our insurance agents a quote at $2,072 per year or a $172 monthly rate for full coverage.

The average annual rate increase for drivers in Michigan with DUI violations is $6,511 per year, making Progressive’s rate 79% cheaper than Michigan’s average DUI rate.

Cheapest Michigan insurance companies for full coverage after a DUI, by quote

InsurerAnnual costMonthly cost
Progressive$2,072$172
State Farm$3,246$270
Auto-Owners$3,954$329
Frankenmuth$5,127$427
Michigan average$9,658$804

According to the Insurance Information Institute, car insurance premiums increase by 68% on average for Michigan drivers with driving under the influence violations (DUI’s, called OWI’s in Michigan).

Along with significantly higher car insurance rates, the State of Michigan states you will have a suspended driver’s license for 30 days with a possible ignition interlock device (BAIID) installed in your motor vehicle and six points added to your driving record.

Cheapest Car Insurance in Michigan for Young Drivers

We found young drivers in Michigan with a good driving record looking for the cheapest full coverage insurance is with Auto-Owners Insurance, which provided our agents a $4,174 per year quote or 57% less expensive than our sample young driver’s average car insurance rates in Michigan. 

USAA is the best car insurance option for younger drivers with a good driving record who qualify, which offered AutoInsureSavings’ agents a $2,942 per year rate for full coverage car insurance.

The cheapest state minimum coverage in Michigan for teenage drivers is Auto-Owners Insurance, which offered us a quote at $2,152 per year or 52% cheaper than average rates. The next best option for younger drivers is State Farm, with a $2,265 per year rate for minimum liability insurance. 

InsurerFull coverageMinimum coverage
USAA$2,942$1,046
Auto-Owners Insurance$4,174$2,152
Frankenmuth$4,923$2,417
Progressive$5,174$2,958
State Farm$6,236$2,265
GEICO$7,258$3,387
Hanover$9,427$4,528
Liberty Mutual$10,327$4,881
Allstate$15,432$5,625
Michigan average$9,543$4,429

*USAA is for qualified military members, their spouses, and direct family members. Your car insurance rates may be different based on your driver profile.

Statistics show a teen driver is more prone to car accidents than older experience drivers, making car insurance rates higher. Our licensed agents recommend younger drivers in Michigan buy full coverage auto insurance policies to have motor vehicle coverage in an auto accident as an added layer of protection.

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It is best to shop around to find auto insurers that offer cheaper car insurance rates for young or teen Michigan drivers in The Great Lakes State, such as Auto-Owners Insurance or State Farm, to cut down on your car insurance costs.

Cheapest Car Insurance in Michigan for Young Drivers with a Speeding Ticket

Young drivers in Michigan with a speeding violation should look to Frankenmuth for the cheapest auto insurance. Frankenmuth’s average car insurance cost is $4,923 per year or $5,507 less per year for car insurance policies in Michigan with comprehensive and collision coverage for young drivers. 

InsurerAnnual costMonthly cost
Frankenmuth$4,923$410
Auto-Owners$5,367$447
Progressive$6,832$569
Safeco$7,067$588
Michigan average$10,430$869

Cheapest Car Insurance for Young Drivers with an At-Fault Accident

Young drivers in Michigan with an accident history can find the best car insurance premiums with Auto-Owners, which provided our agents a $5,167 per year rate for full coverage insurance.

Auto-Owners’ at-fault accident rate is 59% cheaper than Michigan’s average rates of $12,529 per year for teen drivers with a car accident. 

Auto InsurersAnnual costMonthly cost
Auto-Owners Insurance$5,167$430
Frankenmuth$5,980$498
Progressive$8,433$702
State Farm$8,712$726
Michigan average$12,529$1,044

Best Car Insurance Companies in Michigan

AutoInsureSavings.org team of licensed insurance agents rated the best car insurance companies in Michigan by customer satisfaction, insurance surveys, J.D. Powers claims satisfaction score, A.M. Best, and the National Association of Insurance Commissioners (NAIC) complaint index.

We found that Auto-Owners Insurance and USAA are the best car insurance companies based on excellent customer satisfaction, claims service, and NAIC’s complaint index. 

AutoInsureSavings.org licensed agents had similar results from their recent Michigan car insurance customer survey, with Auto-Owners and USAA scoring 96% and 86% respectfully with customers in claims satisfaction. 

Company% respondents satisfied with recent claim% respondents rated customer service as excellent
Auto-Owners96%65%
USAA86%62%
Frankenmuth81%55%
State Farm76%46%
Allstate72%47%
Progressive74%35%
GEICO74%59%
MetLife70%51%
Liberty Mutual63%30%

Our licensed insurance agents also collected information on each car insurer in Michigan from the NAIC, J.D. Power, and A.M. Best’s financial strength ratings. 

The company with the lowest NAIC complaint ratio is Auto-Owners Insurance, with a 0.07 complaint ratio compared to their market share and below the national average of 1.00. Frankenmuth is below the national average with a 0.17 NAIC complaint ratio.  

InsurerNAIC complaint indexJ.D. Power Claims SatisfactionAM Best Rating
Auto-Owners0.07890A++
Frankenmuth0.17n/aA
Progressive0.34856A+
Allstate0.63876A+
State Farm0.66881A++
USAA0.98890A++
Liberty Mutual1.05786A-
MetLife1.15861A+

The NAIC’s complaint ratio compares the number of complaints a car insurer has based on the Michigan market share. Any car insurance provider below 1.00 is better than the national average.

Auto-Owners and USAA have the highest J.D. Power claims satisfaction scores of 890 each. 

A.M. Best financial strength ratings are a grade describing an auto insurer’s financial health and their ability to pay out claims.

Find Cheap Car Insurance Quotes by Zip Code in Michigan with AutoInsureSavings

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While comparison shopping for car insurance companies in Michigan, it is essential to remember that many factors contribute to your premium cost. Your age, driving experience, and vehicle type can influence your total monthly or annual cost.

It is always best for drivers in Michigan to compare car insurance plans to find the best insurance company that offers the lowest insurance rate.

Average Cost of Car Insurance by City in Michigan

We collected insurance quotes from Michigan zip codes from top insurance companies and found average rates can vary by $598 per year.

Typically, you will pay higher auto insurance rates if you live in urban cities rather than the state’s rural areas.

Your Michigan insurance rate is based not only on your zip code but also on the type of vehicle, driver history, liability limits, and many other risk factors.

(Michigan law prohibits using your credit score or ability to pay credit cards to determine your car insurance rates).

Cheapest Car Insurance in Detroit, MI

Drivers in Detroit, Michigan can find the cheapest insurance quotes with Auto-Owners, which provided AutoInsureSavings.org agents a rate of $2,065 per year with $500 deductibles for comprehensive and collision coverage. Auto-Owners quote is 38% less expensive than Detroit’s average rates.

Detroit CompanyAverage Premium
Auto-Owners Insurance$2,065
Progressive$2,131
Frankenmuth$2,348
Detroit average$3,287

Cheapest Car Insurance in Grand Rapids, MI

Drivers in Grand Rapids can look to Progressive for the cheapest auto quotes, with a rate of $1,846 per year with full coverage insurance. Progressive’s rate is 43% cheaper than Grand Rapids’ $3,189 average rates for 30-year-old drivers.  

Grand Rapids CompanyAverage Premium
Progressive$1,846
Auto-Owners Insurance$2,240
State Farm$2,628
Grand Rapids average$3,189

Cheapest Car Insurance in Warren, MI

Good drivers in Warren, Michigan, can find the cheapest full coverage with Progressive, which offered us a $1,941 per year rate for our sample 30-year-old driver with comprehensive and collision $500 deductibles. Progressive’s car insurance rate is 41% less per year than Warren’s average rates of $3,145 per year. 

Warren CompanyAverage Premium
Progressive$1,941
Auto-Owners Insurance$2,163
Frankenmuth$2,555
Warren average$3,145

Cheapest Car Insurance in Sterling Heights, MI

Our insurance agents found the cheapest auto insurance rate in Sterling Heights, Michigan is Progressive, with a $2,046 per year rate for a full coverage auto policy. Progressive’s quote is 38% less expensive than Sterling Heights’ average rates.

Sterling Heights CompanyAverage Premium
Progressive$2,046
Frankenmuth$2,339
State Farm$2,645
Sterling Heights average$3,270

Cheapest Auto Insurance in Lansing, MI

Drivers in Lansing can get cheaper car insurance rates with Frankenmuth, which provided our licensed agents a $2,148 per year rate for full coverage with $100,000 in liability insurance. Frankenmuth’s quote is 36% less expensive than the average rates in Lansing, MI. 

Lansing CompanyAverage Premium
Frankenmuth$2,148
Progressive$2,469
Auto-Owners$2,814
Lansing average$3,347

Cheapest Auto Insurance in Flint, MI

Good drivers in Flint, Michigan can find the least expensive policy with Progressive, which offered us a $1,857 per year rate for our sample 30-year-old male driver. Progressive’s full coverage quote is 40% cheaper than Flint’s average rates per year.  

Flint CompanyAverage Premium
Progressive$1,857
State Farm$2,269
Auto-Owners Insurance$2,621
Flint average$3,054

Cheapest Car Insurance in Livonia, MI

Drivers in Livonia can shop around and get cheap auto insurance with Progressive, which provided our licensed agents a $1,963 annual rate for a full coverage policy with $100,000 in liability insurance. Progressive’s quote is 38% less expensive than the average rates in Livonia. 

Livonia CompanyAverage Premium
Progressive$1,963
Frankenmuth$2,080
State Farm$2,613
Livonia average$3,128

Average Car Insurance Cost for All Cities in Michigan

CityAnnual insurance costCityAnnual insurance cost
Detroit$3,287Shelby Township$3,003
Grand Rapids$3,189Kalamazoo$3,139
Warren$3,145Wyoming$3,013
Sterling Heights$3,270Rochester Hills$3,054
Ann Arbor$3,217Southfield$3,129
Lansing$3,347Waterford$2,975
Clinton charter$3,290West Bloomfield$2,907
Flint$3,054Taylor$3,037
Dearborn$3,093Novi$2,864
Livonia$3,128Pontiac$3,047
Canton$2,976St. Clair Shores$2,849
Macomb$2,836Royal Oak$2,900
Troy$3,128Dearborn Heights$3,003
Westland$3,183Ypsilanti$2,932
Farmington Hills$2,840Georgetown$2,743
Kentwood car insurance$2,944Frankenlust$2,647
Battle Creek car insurance$2,886Buchanan car insurance$2,698
Portage car insurance$2,921Brooks car insurance$2,736
East Lansing car insurance$2,812Prairieville car insurance$2,826
Saginaw car insurance$3,011Lexington car insurance$2,798
Rosevillecar insurance$2,736Cottrellville car insurance$2,840
Redford car insurance$2,987Woodstock car insurance$2,863
Chesterfield$2,814Barry car insurance$2,698
Commerce$2,647Hamlin car insurance$2,886
Meridian car insurance$2,826China township$2,771
Bloomfield charter$2,798Portland car insurance$2,999
Midland$2,717Coldwater$2,689
Saginaw$2,698Unadilla$2,814
Orion$2,771Bowne$2,886
Pittsfield$2,814Orangeville$2,921
Holland charter$2,989Escanaba$2,969
Muskegon$2,863Hamlin$2,736
Independence$2,798LaGrange$2,840
Lincoln Park$3,034Montcalm$2,987
Grand Blanc$2,736Corunna$2,647
Plainfield charter$3,009Menominee$2,771
Holland$2,886Elkland$2,698
Bay$2,847Irving$2,717
Delta$2,689Burns$2,736
Jackson$2,798Cohoctah$2,826
Eastpointe$2,826Wayland$2,921
Brownstown$2,736Essexville$2,814
Bedford$2,840Durand$2,798
White Lake$2,886Sherman$2,967
Flint$2,698Riley$2,863
Madison Heights$2,954Wright$2,689
Oak Park$2,647Saugatuck$2,717
Southgate$3,016Keego Harbor$2,987
Northville$3,005Rollin$2,698
Port Huron$2,771Cedar Creek$3,054
Burton$2,798Pierson$2,647
Van Buren$2,863Lawrence$2,736
Washington$2,689Croton$2,840
Delhi$2,814Onondaga$2,798
Allen Park$2,921Fabius$2,826
Plymouth$2,647Berlin$2,863
Gaines charter$2,698Summerfield$2,944
Garden$2,717Hartford$2,798
Mount Pleasant$2,987Wales$2,886
Allendale$3,016Bellevue$2,698
Wyandotte$2,863Deerfield$2,921
Harrison$2,736Rockwood$2,689
Walker$2,840Franklin$3,086
Inkster$2,826Portsmouth$2,814
Norton Shores$2,689St. Charles$2,771
Byron Center$2,798Fremont$2,736
Auburn Hills$2,863Portage$2,647
Romulus$2,698Silver Creek$2,921
Blackman$2,944Easton$3,098
Oshtemo$2,886Manlius$3,041
Kalamazoo$2,717Marshall$2,689
Summit$3,072Imlay$2,698
Oxford$2,814Benton$3,108
Hamtramck$2,647Negaunee$2,840
Hamburg$3,047Soo$2,951
Birmingham$2,736Arcadia$2,921
Ypsilanti township$3,078Watervliet$2,798
Marquette$2,771Chikaming$2,647
Genesee$2,886Johnstown$2,736
Adrian$2,689Coe$2,717
Mount Morris$3,016Fraser$2,698
Genoa$2,863Bennington$2,826
Ferndale$2,698Clare$3,048
Highland$2,840Danby$2,814
Frenchtown$3,041Bloomingdale$2,987
Monroe$2,689Littlefield$2,863
Lyon$2,736Hastings$2,950
Davison$2,798Casco$3,042
Oakland$2,921Ferrysburg$2,886
Cascade$2,647Jefferson$2,826
Green Oak$2,717Sherman$2,736
Park Township$3,041Suttons Bay$3,116
Brighton$2,814Sylvan$2,698
Grand Rapids$2,826Homer and Lake charter$2,771
Trenton$2,948Overisel$2,689
Muskegon$2,987Norvell$2,647
Scio$2,698Arbela$2,863
Garfield charter$2,736Alaiedon$3,030
Wayne$3,026Liberty$2,886
Grand Haven$2,921Ravenna$2,840
Texas$2,798Grant$2,698
Milford$2,647Bad Axe$2,717
Hazel Park$3,041London$2,736
Mount Clemens$2,689Mason$2,826
Huron charter$2,698Tuscarora$2,814
Grandville$2,717Pine Grove$2,944
Brandon$2,771Gerrish$2,698
Traverse$2,736Denmark$2,826
Comstock$2,814Bingham$3,025
Grosse Pointe Woods$2,863Manistique$3,026
Fenton$2,698Munising$2,736
Berkley$2,987Carmel$2,717
DeWitt$2,840Otsego Lake$2,798
Spring Lake$2,886Gladwin$2,689
Hartland$3,041Mount Morris$2,921
Southfield$2,698Evergreen$2,647
Cannon$2,814Casnovia$2,771
Fraser$2,736Waterloo$2,944
Lincoln charter$2,826Covert$3,028
Ada$2,717Iron River$2,921
Owosso$2,886Benton$2,736
Mundy$3,016Union city$2,698
Springfield charter$2,863Lake$2,798
Caledonia$2,921Richland$2,987
Benton$2,689Bainbridge$2,717
Oceola$3,026Beaver$2,840
Monroe$2,647Ithaca$2,863
Fruitport$3,040Whitewater$2,886
Bangor$2,736Orleans$2,717
Superior charter$2,944Lyndon$2,814
Alpine$2,698Norway$2,689
Wixom$2,771Grosse Pointe$2,826
Harper Woods$2,798Sheridan$2,736
Niles$2,689Shiawassee$2,921
Union charter$2,987Baroda$2,698
Leoni$2,717Cato$2,863
Sault Ste. Marie$3,041Whitehall$3,039
Rochester$2,826Resort$3,047
Bath$2,886Fillmore$2,647
Vienna$2,840Benzonia$2,840
Woodhaven$2,736Big Creek$2,944
New Baltimore$2,814East Tawas$2,771
Escanaba$2,698Ashland$2,717
Coldwater$2,921Potterville$2,689
Antwerp$3,016Eagle$2,736
Riverview$2,987Concord$2,798
Algoma$2,647Parma$2,698
Clawson$2,886Hopkins$2,814
South Lyon$3,041Crystal$2,863
East Grand Rapids$3,036Martin$2,717
Emmett$3,047Wheeler$3,026
Holly$2,698Rogers$2,921
Thomas$2,736Mendon$2,826
East Bay$2,798Ingersoll$2,840
Fenton$2,717Hayes$2,886
Niles$2,771Tompkins$2,698
Zeeland$2,689McMillan$2,736
Grosse Pointe Park$2,863Ensley$2,647
Ionia$3,041Mecosta$2,944
Fort Gratiot$2,826Filer$2,921
Grand Haven$2,814Montague$2,987
Marion$2,736Ganges$3,016
Sturgis$3,026Monterey$2,689
Highland Park$2,698Marcellus$2,987
Cooper$2,840Burr Oak$2,717
Lenox$2,863Berlin$2,698
Muskegon Heights$3,041Bertrand$2,736
Farmington$2,921Big Prairie$2,798
Monitor$2,826Emmett$2,840
Tyrone$2,886Hartford$2,771
Cadillac$2,647Wayne$2,814
Port Huron$2,736Sidney$2,949
Big Rapids$2,689Pentland$2,826
Melvindale$2,798Little Traverse$3,016
Flushing$3,031Amber$3,041
Grosse Ile$2,717Dallas$2,736
Egelston$2,987Vassar$2,647
Alpena$2,826Elk Rapids$3,041
Flat Rock$2,840Livingston$2,798
Bridgeport$2,814Holton$2,863
Tittabawassee$2,647Sebewaing$2,921
Benton Harbor$2,886Bridgman$2,826
St. Joseph$2,698Columbia$2,946
Marysville$2,736Park$2,689
Sparta$2,771Newton$2,717
Howell$3,026Home$3,016
Bedford$2,921Lincoln$2,698
Hampton$2,863Fulton$2,987
Ecorse$2,798Milton$2,736
Sumpter$2,826Maple Grove$2,886
Berlin charter$2,771Climax$2,814
Dalton$2,698Tobacco$2,840
Long Lake$2,736Hudson$3,041
Saline$2,689Sullivan$2,647
Bruce$2,717Sandusky$2,826
Kimball$2,987Edenville$3,049
Grosse Pointe Farms$3,041Jefferson$2,698
York$3,047Adams$3,026
Plymouth$2,948Waverly$2,736
Charlotte$2,840Polkton$2,798
Oronoko$2,698Athens$2,921
Alma$2,647West Branch$2,863
Blair$2,826Olive$2,771
Schoolcraft$2,814Orchard Lake Village$2,689
Clay$2,886Venice$2,717
Pennfield$3,016Westphalia$2,987
Alpena$2,736Bingham$2,698
Lapeer$3,041Ingham$2,814
Courtland$2,798Leslie$3,026
Northfield$2,689Clearwater$2,736
Mason$2,863Ovid$2,826
Putnam$2,987Walton$2,886
Madison$2,698Kenockee$2,798
Greenville$2,921Reed city$2,647
Richfield$2,736Sands$2,840
Jamestown$2,717Croswell$3,029
Tecumseh$2,771Duplain$2,698
Handy$2,826Cherry Grove$2,987
Albion$2,814Pleasant Ridge$2,689
St. Joseph$2,886Three Oaks$2,736
Lansing$2,647Woodland$2,944
Center Line$2,863Clio$2,826
Tallmadge$2,698Markey$2,921
Richland$2,798Royal Oak$2,840
Buena Vista$2,736Jonesville$2,717
Thornapple$2,689Sturgis$2,698
Menominee$3,033Cambria$3,016
Hillsdale$2,987Prairie Ronde$2,771
Ludington$2,798Albert$2,736
Spring Arbor$2,840Adams$3,041
Flushing$2,886Blue Lake$2,647
Mayfield$2,698Inland$3,036
Grand Blanc$2,689Marengo$2,814
St. Johns$2,717Pere Marquette$3,047
Houghton$2,826Midland$2,863
Grand Ledge$2,921Porter$2,698
Atlas$2,863Keeler$2,987
Dorr$2,944Charlevoix$3,026
Ash$3,041Pinconning$2,798
Raisin$2,736Ironwood$3,047
Three Rivers$2,771New Buffalo$2,886
Brighton$2,698Aetna$2,840
Laketon$2,987Morenci$2,689
River Rouge$2,647Sanilac$2,717
Kinross$3,016Saline$2,863
Columbia$3,041Campbell$2,698
Iron Mountain$2,814East Jordan$2,826
Hudsonville$2,798Antrim$2,921
Hastings$3,041Swan Creek$2,944
Clayton charter$3,047Pipestone$3,016
St. Louis$2,689Pine River$2,771
Augusta$3,041St. Ignace$2,717
Walled Lake$2,826Nottawa$2,736
Howell$2,698Grout$2,798
Dundee$2,921Everett$2,840
Marshall$3,026Hazelton$2,987
Windsor$2,736Cheshire$2,814
St. Clair$2,863Selma$2,647
Paw Paw$2,689Munising$2,698
Almont$2,886Sherwood$3,100
Oscoda$2,987Bangor$2,736
Napoleon$2,717Watson$3,047
Solon$2,798Pine township$3,041
Webster$2,698Bronson$3,080
Thetford$2,944Inverness$2,826
Lowell$2,771Newfield$2,840
Addison$2,814Perry$3,050
Argentine$3,016Clyde$3,026
Gaines$3,069Carlton$2,689
Ontwa$2,647Denver$2,698
Blendon$2,987Springport$2,863
Dexter$2,826Seville$2,921
Lodi$2,736Pokagon$2,717
Ishpeming$2,698Galesburg$2,886
Robinson$3,029Assyria$2,798
Rose$3,041Camden$2,771
Pavilion$3,041Spaulding$3,047
Huntington Woods$2,689Belvidere$2,698
Calumet$2,863Brady$2,814
Bear Creek$2,921Sherman$3,026
Oakfield$2,717Sunfield$2,840
Rockford$2,840Chester$2,944
Adrian$2,798Springvale$2,987
Green Lake$2,886Auburn$2,826
Forsyth$2,698Winfield$2,647
Salem$2,927Hart$2,689
Milan$2,863Watertown$2,736
Howard$2,798Lincoln$3,025
Manistee$2,771Ontonagon$3,041
Gun Plain$2,826Bruce$2,698
Northville$2,987Almer$2,717
Grass Lake$2,944Douglass$3,110
Bagley$2,736Hillsdale$2,921
Montrose$2,698Pulaski$2,826
Chocolay$2,840Ely$3,041
Richmond$2,886Homestead$3,027
Laketown$2,647Yale$2,736
Raisinville$2,921Hillman$2,863
Otsego$3,026Au Sable$2,698
Peninsula$2,689Newaygo$2,771
New Boston$3,041Fairplain$3,100
Oregon$2,698South Arm$3,075
Dowagiac$2,717Ovid$2,798
Grayling$2,814Billings$3,041
Birch Run$2,826Higgins$2,736
Carrollton$3,041Tecumseh$2,863
Petoskey$2,736Sanborn$2,886
Belding$2,840Marlette$2,944
Breitung$2,987Leslie$2,826
Deerfield$2,771Burnside$2,647
Leighton$3,041Sharon$2,689
Fruitland$3,026Arlington$2,698
Cambridge$2,736Leelanau$2,717
Groveland$2,863Clarence$2,921
Zeeland$2,826Elmira$2,886
Swartz Creek$2,698Broomfield$2,736
Armada$2,798Wilson$2,814
Clyde$3,041Baltimore$3,016
Denton$3,070Deep River$2,944
Larkin$2,689Fremont$3,043
Reynolds$3,076Grayling$2,736
Chelsea$2,717Fife Lake$2,771
St. Clair$2,698Austin$2,647
Watertown$2,863Central Lake$2,840
Frankenmuth$2,736Tuscola$2,826
Eaton Rapids$3,041Harrison$3,033
Elba$2,921Mills$2,886
Grosse Pointe$2,814Vermontville$2,826
Springfield$2,698Kalamo$2,689
Olive$3,026Palmyra$2,798
Williamstown$2,771Isabella$2,921
Ira$2,944Maple Valley$2,698
Almena$2,826Ronald$2,717
Paradise$2,647Parchment$2,989
Nelson$2,840Otisco$2,736
Tyrone$3,032Dayton$2,863
Lapeer$2,990Harbor Beach$3,041
Berrien$2,698Sodus$2,826
Allegan$3,047Bridgeton$2,921
Utica$2,689Colfax$2,814
Kingsford$2,798Garfield$2,771
Coloma$2,944Riley$2,698
Ironwood$2,717Brockway$3,047
Davison$2,863Sheridan$3,026
Ross$2,886Whitehall$3,041
Salem$2,736South Branch$2,647
Kochville$2,814Bunker Hill$2,840
Ida$2,698Brant$3,047
Kalkaska$3,049Essex$2,771
Williams$2,921Briley$2,689
Royalton$2,826Hayes$2,993
DrydenKearney$3,016
Wells$2,863Tawas$2,698
Gladstone$2,992Fennville$2,826
Big Rapids$3,041Hamilton$2,717
Attica$2,814Albee$3,047
Owosso$2,647Ossineke$2,886
Henrietta$2,698Dayton$2,736
Manchester$3,026Bangor$2,798
La Salle$2,689Penn$3,041
Cheboygan$2,987Frankenmuth$3,091
Kawkawlin$3,041Weesaw$3,048
Acme$2,771Mount Haley$3,026
Jerome$2,840Wheatfield$2,921
DeWitt$2,717Keene$2,944
Rives$2,736Blumfield$2,698
Chippewa$2,798Reading$3,082
Vergennes$2,826Goodland$2,814
Dexter$2,698Chassell$2,647
Hayes$2,998Burlington$3,047
Allegan$2,886Sylvan Lake$2,689
Port Sheldon$2,798Bessemer$2,863
Hancock$2,921Cedar Creek$3,041
Negaunee$3,016Winsor$2,798
Ann Arbor$3,041Warren$2,717
Somerset$3,026Garfield$2,771
Gibraltar$2,647Bear Lake$2,944
Marathon$2,826Beaverton$2,698
Hadley$2,771Calvin$2,736
Elmwood$2,840Evart$2,863
Forest$3,071Standish$2,987
Brady$2,689Scipio$3,070
Crockery$2,698Wilson$3,041
Vernon$2,798Chester$2,921
Whiteford$2,814Lincoln$2,826
Chesaning$2,717Deerfield$2,736
Coopersville$3,041Leland$2,886
South Haven$2,987Sumner$2,798
Mancelona$2,736Charlevoix$2,689
Erie$2,863Tawas$2,647
Aurelius$2,826Bay Mills$2,771
Morton$2,944Solon$2,698
Caledonia charter$3,041Caseville$3,026
Taymouth$2,921Torch Lake$2,717
Roscommon$2,698Wright$2,840
Buchanan$2,771Arcada$2,814
Yankee Springs$2,736Colfax$3,065
Metamora$2,689Locke$2,886
Lee$2,647Clark$2,826
Deerfield$2,798Dover$3,016
Spencer$2,929Crystal Falls$2,944
Quincy$2,863New Buffalo$2,736
Perry$2,717Richmond$2,987
Wayland$2,840Presque Isle$2,698
Constantine$2,771Roxand$3,041
Eaton Rapids$2,944Convis$3,026
Mills$2,826Ovid$2,736
Millington$2,698Hersey$2,921
Lathrup Village$3,041Comins$2,798
Eaton$2,987Bingham$2,689
Marine$2,814Wells$2,863
Mussey$3,066Fairfield$2,647
Lowell$2,736Marlette$2,698
Lee$2,944Marion$2,886
Manistee$2,863Fremont$3,047
Fremont$3,026Girard$2,717
Caro$2,921Webber$2,771
Casco$2,798Eveline$3,062
Algonac$2,698Fredonia$2,840
Rutland$2,647Zilwaukee$2,826
Shelby$3,047Spalding$3,041
Columbus$3,041Grant$2,814
Ray$2,689Martiny$2,736
Eureka$3,016Montrose$2,921
Bloomfield Hills$2,863Sheridan$2,987
Homer$2,771Hart City$3,047
Otsego$3,047West Traverse$3,026
Stockbridge$2,886Bark River$2,944
Sandstone$2,698Greendale$2,863
Williamston$2,717Algansee$2,647
Richland$2,826Marion$3,022
South Haven$2,840Baldwin$2,798
Burtchville$2,736Rome$2,698
Portland and Alamo$2,921Olivet$2,987
Marquette charter$2,863Golden$2,689
Vassar$2,814Corwith$2,717
Grattan$2,647Fairgrove$2,771
Linden$2,987Deerfield$2,736
Oneida$2,698Middlebury$2,840
Belleville$3,028Pentwater$3,041
Milton$2,826West Branch$2,647
Ionia$2,736Mayfield$3,041
Lima$2,886Franklin$2,698
Nottawa$2,689Beaver Creek$2,826
Blissfield$3,026Banks$3,082
Iosco$2,798Jonesfield$2,944
Exeter$2,771Maple Ridge$2,736
Odessa$2,717Coloma$3,055
North Muskegon$2,698Hanover$2,921
Roosevelt Park$2,647Ridgeway$3,019
White Pigeon$2,840Marion$2,689
Porter$2,944Springville$2,814
Lockport$2,987Greenwood$2,698
Plainwell$3,026Churchill$2,826
Richmond$3,041Bushnell$2,863
Boyne City$2,736Moscow$2,886
East China$3,047Fork$2,771
Plainfield$2,921Flowerfield$2,717
Leroy$2,689Evart$2,798
Woodhull$2,698Milan$2,814
Hanover$2,863Moorland$2,647
Vevay$2,826Le Roy$2,987
L'Anse$3,041Boardman$2,840
Cedar Springs$3,024Watervliet$3,047
Almira$3,056Richland$3,026
Gaylord$2,886Sciota$2,689
Worth$2,798Wakefield$2,987
Bloomer$2,717Norway$2,944
Richfield$2,771Pittsford$2,736
Leroy$3,047Juniata$2,921
Baraga$2,647Brookfield$3,041
Decatur$2,814Mottville$2,698
Conway$3,041Freedom$3,026
North Branch$2,944Masonville$3,138
Hagar$3,047Washington$2,717
Castleton$2,921Tekonsha$2,863
Imlay$2,689Crystal Falls$3,041
Heath$2,736Lincoln$2,826
Surrey$2,987Coldsprings$2,647
Clinton$2,863Allouez$2,798
Haring$2,698Montague$2,886
Geneva$2,771Newberg$2,814
Ishpeming$2,840Pickford$2,698
Lyons$2,826Kasson$2,736
Victor$2,689Kinderhook$3,016
Standish$2,717Galien$3,041
Vernon$2,798Buel$2,987
Oscoda$3,021Maple Valley$2,826
Victory$2,647Centerville$2,921
Eckford$3,026Riverton$2,771
Batavia$2,886Burlington$2,698
Rose Lake$3,016Allen$2,689
Grant$2,736California$2,944
Harrisville$2,988Pleasant Plains$2,798
Dafter$2,930Springfield$2,863
Orange$2,814Koylton$2,840
Maple River$2,771Macon$2,717
Norman$2,698Rolland$2,647
Edwards$2,876Rich$2,698
Oliver$2,689Chase$2,790

Minimum Auto Insurance Requirements in Michigan

According to Michigan.gov, all drivers in Michigan must comply with state auto insurance laws and have the minimum bodily injury liability coverage, property damage liability, personal injury protection (PIP), and property protection insurance (PPI) in their car insurance policies for vehicle registration and to drive legally on the roads.  

Below are the Michigan no-fault state requirements with minimum liability limits:

Required liability coverage, PIP, and PPI coverageState minimum limits
Personal injury protection$250,000 or opt-out
Property protection insurance (PPI)$1 million per accident
Residual bodily injury liability$20,000 per person and $40,000 per accident
Residual property damage liability$10,000 per accident

Michigan drivers have the option to buy personal injury protection coverage up to $250,000 in medical expenses. Drivers with Medicare Part A or B can opt-out of personal injury protection (PIP) entirely. If enrolled in Medicaid, you have the option to buy $50,000 worth of PIP coverage.

AutoInsureSavings.org insurance agents recommend higher liability car insurance for drivers in Michigan with collision and comprehensive coverage or full coverage.

We urge drivers to buy uninsured motorist coverage in Michigan, since the uninsured motorist rate is 25%, according to the Insurance Information Institute (III.org). 

You will be responsible for the extra costs in an at-fault auto accident in Michigan if the cost of bodily injury and property damage exceeds the liability insurance requirements.

Michigan drivers should always have their insurance ID card in the insured vehicle. 

Frequently Asked Questions About Car Insurance in Michigan

Who has the Cheapest Car Insurance in Michigan?

Frankenmuth offers the state minimum cheapest auto insurance rate at $964 per year for 30-year-old drivers. The average annual car insurance premiums for minimum coverage in Michigan are $2,053 per year, and Frankenmuth’s premium costs 54% less per year. Other good options for affordable car insurance are Progressive at $980 per year and Auto-Owners Insurance at $1,043 per year. 

How Much is Car Insurance in Michigan per Month?

The average car insurance costs $262 per month for full coverage in Michigan and $171 per month for state minimum coverage for a 30-year-old driver with a clean driving record. 

How Much Is Full Coverage Car Insurance in Michigan?

The average cost of full coverage car insurance in Michigan is $3,147 per year or $262 per month with $100,000 per accident in liability coverage. Progressive’s average rate for full coverage is $1,741 per year or $145 per month or 45% less per year, while Frankenmuth’s $2,038 rate is 36% below Michigan state average rates.

How do I Save on Car Insurance in Michigan?

The best way to save on your insurance premium in Michigan is to find out from your car insurance provider if you are eligible for the company’s money-saving driver discounts. Many insurance providers in Michigan will lower your overall insurance prices if you have more than one car insurance policy with them, such as life or home insurance policies. 

Another way to save on car insurance premiums is to practice safe driving habits and maintain clean driving records. Many auto insurance companies offer good driving discounts for drivers in Michigan that have clean driving records. One example is Auto-Owners, which offers good drivers a safe driver discount of up to 20% through the “TrueRide” telematics car insurance program. Not only will you keep and your passengers safe, but it will also help you avoid car accidents or traffic violations that could cause your premium to increase.

To learn more about affordable car insurance in Michigan, enter your zip code or get expert advice at AutoInsureSavings.org.

Our licensed insurance professionals will be happy to answer any questions you have.

Methodology

AutoInsureSavings.org comparison shopping study used a full-coverage auto policy for a 30-year-old driving a 2018 Honda Accord with the following coverage limits:

Coverage typeStudy limits
Bodily injury liability$50,000 per person / $100,000 per accident
Property damage liability$25,000 per accident
Personal injury protection$10,000
Uninsured / underinsured motorist bodily injury$50,000 per person / $100,000 per accident
Comprehensive and collision coverage$500 deductible

We used car insurance rates for Michigan drivers with accident histories and other traffic violations for various age groups for rate analyses. Current Michigan law does not allow credit scores or marital status to determine auto insurance rates. We used insurance rate data from Quadrant Information Services, which are publicly available for comparative purposes only. Your auto insurance rates may vary when you get quotes.

Sources

– Michigan.gov. “Michigan’s Auto Insurance Law Has Changed.”
– Michigan.gov. “Michigan’s Guide for Aging Drivers and Their Families.”
– National Association of Insurance Commissioners. “Market Share Reports for Property/Casualty Groups and Car Insurance Companies.”
– Michigan.gov. “Basic Driver Improvement Course.”
– Insurance Information Institute. “Facts & Statistics: Uninsured Motorists.”

Jaime Arias

Jaime Arias

Jaime Arias is a licensed insurance agent, co-owner, and editor of AutoInsureSavings.org with a family history in developing insurance businesses. Also, he has a mechanical engineering degree and a master's of business administration (MBA) from Harvard University. Jaime has experience in digital marketing, directing marketing methods online for businesses in the insurance industry.

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