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Cheapest car insurance in Michigan for 2024
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Powered by Coverage.com (NPN: 19966249)
Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.
The cheapest car insurance companies in Michigan
To help you look for the cheapest car insurance companies in Michigan, Bankrate analyzed average car insurance rates from various companies based on a variety of situations. The state's average annual cost of car insurance is $3,049 for full coverage and $890 for minimum coverage. However, your rates will vary depending on individual driving factors, so it may be advantageous to quote from more than one company for the best rate.
Key takeaways
- Cheapest company for minimum coverage: USAA
- Cheapest company for full coverage: Hastings Mutual
- Cheapest company for drivers with prior incidents: Secura and USAA
- Cheapest company for young drivers: Auto-Owners
Cheapest car insurance in Michigan for minimum coverage
Like drivers in most states, Michigan drivers are required to carry at least a minimum amount of car insurance, or a liability-only policy. This is typically the cheapest type of auto insurance policy you can find, with the lowest premiums in the state found with USAA.
|
|
|
|
|
|---|---|---|---|
|
$41
|
$496
|
- $394 |
|
|
$44
|
$526
|
- $364 |
|
|
$47
|
$558
|
- $332 |
|
|
$50
|
$602
|
- $288 |
|
|
$50
|
$603
|
- $287 |
Minimum coverage requirements for Michigan drivers
To register your vehicle with the state’s department of motor vehicles (DMV), you must show proof that you purchased at least the minimum amount of coverage, which is 50/100/10:
- $50,000 bodily injury liability per person
- $100,000 bodily injury liability per accident
- $10,000 property damage liability per accident (for damage in other states)
- $1 million property protection insurance (PPI)
Michigan car insurance laws require policies default to 250/500/10 coverage, so you will need to select lower limits if you want to purchase minimum coverage. You can save money on car insurance by choosing minimum coverage, but you'll have less financial protection in the event of an accident. The average cost of minimum coverage in Michigan is $890 per year.
While minimum coverage may come at an appealing price point, most insurance professionals will recommend you buy more coverage if you can afford it. Minimum cover has a low liability limit and it won’t provide any coverage for damage to your own vehicle after an accident or theft. Full coverage will leave you with less out-of-pocket expenses after an accident. You may even be required to purchase full coverage if you have a loan or lease on your car.
Cheapest car insurance in Michigan for full coverage
Getting a full coverage auto policy may be more expensive for Michigan drivers, though it can provide them with additional financial protection in the case of an accident. While these policies can cost you more than a minimum coverage auto policy, you can still find cheap policy options with the following carriers, with Hastings Mutual offering the cheapest full coverage policies.
|
|
|
|
|
|---|---|---|---|
|
Hastings Mutual
|
$113
|
$1,360
|
- $1,689 |
|
$126
|
$1,511
|
- $1,538 |
|
|
$130
|
$1,555
|
- $1,494 |
|
|
$147
|
$1,762
|
- $1,287 |
|
|
$197
|
$2,359
|
- $690 |
Cheapest car insurance in Michigan for drivers with prior incidents
When a driver receives a speeding ticket, gets convicted of a DUI or gets in an at-fault accident, it can affect their auto insurance rates in Michigan. Most of the time, having incidents like these on your driving record will cause your insurance premiums to rise temporarily. But, it’s still possible to find cheap auto insurance in Michigan even if you have prior incidents on your record.
- Cheapest car insurance for drivers with a ticket: Secura
- Cheapest car insurance for drivers with an at-fault accident: Secura
- Cheapest car insurance for high-risk drivers: USAA
Cheapest insurance companies for drivers in Michigan with a speeding ticket: Secura
Speeding ticket convictions may be a red flag for auto insurers that your driving habits aren’t safe. Speeding tickets typically increase your car insurance rates for three to five years, depending on the carrier. Although all carriers will have access to your driving record specifics, some may not raise your rates as much for a single speeding ticket conviction. Based on Bankrate research, the following companies offer some of the cheapest car insurance in Michigan for drivers with a single speeding ticket conviction.
|
|
|
|
|---|---|---|
|
$558
|
$1,511
|
|
|
$593
|
$2,259
|
|
|
$595
|
$2,746
|
|
|
Pioneer State
|
$630
|
$2,781
|
|
Hastings Mutual
|
$663
|
$1,360
|
Cheapest car insurance for drivers in Michigan with an at-fault accident: Secura
If you cause an accident, insurance companies may see you as riskier to insure and increase your rates accordingly. If you have a clean driving record at the time of your accident and you have an accident forgiveness benefit on your insurance policy, you might avoid this surcharge after your first accident. If you have just one at-fault accident on your record, you might find low-cost car insurance in Michigan by shopping with the companies below:
|
|
|
|
|---|---|---|
|
$558
|
$1,511
|
|
|
$595
|
$2,746
|
|
|
$675
|
$2,562
|
|
|
Pioneer State
|
$741
|
$3,238
|
|
Donegal
|
$1,010
|
$5,075
|
Cheapest car insurance in Michigan for high-risk drivers: USAA
Several scenarios may cause you to be considered a high-risk driver by insurance companies. Multiple at-fault accidents, several speeding tickets or a DUI conviction might mean you are a greater risk to an insurance company. Not all auto insurers will write policies for high-risk drivers, especially if you have been convicted of a DUI in the last three to five years.
If you are a high-risk driver, you might have limited options for cheap auto insurance in Michigan. Doing more research and getting quotes from companies that tailor their coverage to non-standard drivers might help you find more affordable rates. Based on our research, these companies may have the lowest rates for drivers with a high-risk incident on their record:
|
|
|
|
|---|---|---|
|
$797
|
$3,144
|
|
|
$932
|
$3,068
|
|
|
$1,092
|
$8,443
|
|
|
$1,223
|
$5,085
|
|
|
Pioneer State
|
$1,312
|
$5,162
|
Bankrate’s take: Even if a carrier has been included on our list here, car insurance companies may not extend coverage to all drivers who have been convicted of a DUI. Depending on the rest of the driver’s record, the nature of the incident, and other factors like age, the insurance company may determine that the driver is too risky to cover, and may decide to no longer provide coverage when it comes time to renew. Michigan drivers still need to maintain the minimum coverage requirements in order to legally drive in the state, so those who have been convicted of a DUI may want to shop around with different carriers ahead of time to see who will offer them coverage when they need to renew their policy.
Cheapest car insurance for young drivers in Michigan
Young drivers in Michigan will typically face higher auto insurance rates than older drivers. This is because carriers tend to view young drivers as inexperienced and more likely to file a claim. Just like with older drivers, certain incidents like receiving a speeding ticket or being involved in an at-fault accident can cause teen drivers’ rates to increase. But, young drivers who are able to maintain a clean driving record will likely see their rates decrease as they get older.
- Cheapest car insurance for insuring a teen driver: Auto-Owners
- Cheapest car insurance for teens with a ticket: Auto-Owners
- Cheapest car insurance for teens with an at-fault accident: Auto-Owners
- Cheapest car insurance for young drivers with a DUI: USAA
Cheapest Michigan car insurance for insuring a teen driver: Auto-Owners
Teen drivers pay some of the highest average rates of any age group due to their lack of experience behind the wheel. Adding a teen driver to your policy could increase your insurance costs, so you might want to check around for low-cost car insurance options in Michigan for teen drivers. You could also take advantage of teen discounts, like savings for good students and those who participate in teen driver safety programs. Our research found that these five companies offered the cheapest minimum coverage for a 16-year-old driver added to their married parents' policy:
|
|
|
|
|---|---|---|
|
$785
|
$3,531
|
|
|
$813
|
$3,387
|
|
|
Pioneer State
|
$1,006
|
$4,363
|
|
$1,008
|
$4,436
|
|
|
$1,130
|
$3,066
|
Bankrate’s take: Auto insurers tend to view teen drivers as riskier to insure than their older counterparts. This means insurance companies expect young drivers to make claims more frequently for accidents or other damage, so they may cover teens but only at higher premiums to make up for the increased risk they’re taking on.
Cheapest Michigan car insurance for teens with a ticket: Auto-Owners
Teen drivers are already more expensive to cover on average than older drivers. Their rates will typically increase if they receive a speeding ticket, though there is still a way to secure cheap auto coverage for Michigan drivers in this scenario, like from Auto-Owners. Rates reflect an 18-year-old on their own policy.
|
|
|
|
|---|---|---|
|
$1,011
|
$5,259
|
|
|
$1,290
|
$6,461
|
|
|
Pioneer State
|
$1,809
|
$8,125
|
|
$1,856
|
$8,451
|
|
|
Donegal
|
$2,047
|
$13,186
|
Cheapest Michigan car insurance for teens with an at-fault accident: Auto-Owners
A teen driver in Michigan who has been in an at-fault accident will likely see their car insurance premiums increase as a result. Though this premium surge will only last for a few years, there is still cheap auto insurance for high-risk drivers like these from the following carriers in the meantime, with Auto-Owners offering the cheapest policy options on average.
|
|
|
|
|---|---|---|
|
$891
|
$4,712
|
|
|
$1,524
|
$7,498
|
|
|
Pioneer State
|
$1,530
|
$7,201
|
|
$1,811
|
$4,219
|
|
|
$2,340
|
$10,687
|
Bankrate’s take: Michigan is a no-fault state, which means drivers have to carry personal injury protection (PIP) coverage. If you are in an accident, personal injury protection will pay for your medical expenses and lost wages, as well as the same costs for any passengers you have, up to your coverage limits, regardless of who caused the accident. As a result of auto insurance reform implemented in 2020, Michigan drivers can choose from six options for personal injury protection insurance.
Cheapest Michigan car insurance for young drivers with a DUI: USAA
Unfortunately, young drivers in Michigan who are convicted of a DUI will likely see their rates increase the most compared to any other incident. The following companies may offer cheap coverage for such drivers, but keep in mind that they may not extend coverage to all young drivers convicted of DUI.
|
|
|
|
|---|---|---|
|
$1,069
|
$5,113
|
|
|
$1,303
|
$5,253
|
|
|
$1,557
|
$7,328
|
|
|
$1,720
|
$13,740
|
|
|
$2,099
|
$6,600
|
Cheapest car insurance rates by city in Michigan
As a way to protect consumers from what could be considered discriminatory rating factors, Michigan has banned the use of information not directly related to your driving history as factors for calculating your car insurance premium. The ban precludes auto insurers from using information like your ZIP code, occupation, marital status and homeownership to determine rates.
Due to these regulatory restrictions, average premiums across Michigan cities are fairly similar. However, other geographic factors may still affect the cost of coverage, like the price of vehicle repairs and medical care in your state, as well as the statistical likelihood of accidents, theft and vandalism.
Cheapest cities overall for car insurance Michigan
|
|
|
|
|
|---|---|---|---|
|
Livonia
|
City average annual min coverage premium
$906
|
Cheapest car insurance carrier
USAA
|
Company average annual premium
$504
|
|
Grosse Ile
|
City average annual min coverage premium
$935
|
Cheapest car insurance carrier
USAA
|
Company average annual premium
$511
|
|
Birmingham
|
City average annual min coverage premium
$914
|
Cheapest car insurance carrier
USAA
|
Company average annual premium
$518
|
|
Armada
|
City average annual min coverage premium
$906
|
Cheapest car insurance carrier
USAA
|
Company average annual premium
$489
|
|
New Boston
|
City average annual min coverage premium
$1,006
|
Cheapest car insurance carrier
Auto-Owners
|
Company average annual premium
$504
|
Cheapest car insurance in larger cities in Michigan
|
|
|
|
|
|---|---|---|---|
|
Livonia
|
City average annual min coverage premium
$906
|
Cheapest car insurance carrier
USAA
|
Company average annual premium
$504
|
|
Sterling Heights
|
City average annual min coverage premium
$1,086
|
Cheapest car insurance carrier
USAA
|
Company average annual premium
$540
|
|
Pontiac
|
City average annual min coverage premium
$1,130
|
Cheapest car insurance carrier
Secura
|
Company average annual premium
$558
|
|
Saint Clair Shores
|
City average annual min coverage premium
$991
|
Cheapest car insurance carrier
USAA
|
Company average annual premium
$526
|
|
Dearborn Heights
|
City average annual min coverage premium
$1,270
|
Cheapest car insurance carrier
Secura
|
Company average annual premium
$558
|
Car insurance discounts in Michigan
Exploring various discounts can be a strategic way to secure cheap car insurance in Michigan. While the availability of discounts may vary across insurers, the following are some common reductions you might inquire about to potentially reduce your premiums:
- Young driver discounts: These often encompass discounts for high-achieving students and those attending college away from home. Additionally, savings might be available for young drivers who successfully complete a recognized driver's education program.
- Professionals discounts: Membership in specific organizations or employment at certain companies could make you eligible for affiliate discounts with various insurers.
- Vehicle discounts: Discounts might be offered for cars equipped with advanced safety features, or for owning a hybrid or electric vehicle.
- Safe driver discounts: Maintaining a clean driving record free of violations and accidents for a set period, usually between three to five years, could qualify you for safe driver discounts.
- Other discounts: Bundling your home and auto insurance with the same provider might unlock bundling discounts. Moreover, opting for payment efficiencies such as paying your premium in full or choosing paperless billing could provide further financial advantages.
Frequently asked questions
Methodology
Bankrate utilizes Quadrant Information Services to analyze the latest rates in November 2024 for ZIP codes and carriers in all 50 states and Washington, D.C. Rates include the most recent approved rate increases filed by insurance companies and are weighted based on the population density in each geographic region so that policyholders can see the impact rates have in their areas. Quoted rates are based on a 40-year-old male and female driver with a clean driving record, good credit and the following full coverage limits:
- $100,000 bodily injury liability per person
- $300,000 bodily injury liability per accident
- $50,000 property damage liability per accident
- $100,000 uninsured motorist bodily injury per person
- $300,000 uninsured motorist bodily injury per accident
- $500 collision deductible
- $500 comprehensive deductible
To determine minimum coverage limits, Bankrate used minimum coverage that meets each state’s requirements. Our base profile drivers own a 2022 Toyota Camry, commute five days a week and drive 12,000 miles annually.
These are sample rates and should only be used for comparative purposes.
Incidents: Rates were calculated by evaluating our base profile with the following incidents applied: clean record (base), at-fault accident, single speeding ticket and single DUI conviction. Young driver DUI rates are for 21-year-old drivers on their own policy; other young driver incident rates are for 18-year-old drivers on their own policy.
Teens: Rates were determined by adding a 16-year-old teen to their 40-year-old married parents' policy. The rates displayed reflect the total cost of a driver this age added to their parents’ policy.
Age: Rates were calculated by evaluating our base profile with the ages 18 and 21 applied. Drivers are renters on their own policy. Age is not a contributing rating factor in Hawaii and Massachusetts due to state regulations.
*Correction: A previous version of this article stated that Wisconsin Mutual is one of the cheapest carriers in Michigan. The article has been corrected to remove Wisconsin Mutual, as the carrier does not write insurance policies in this state.