- Among the companies analyzed by CarInsurance.com, GEICO stands out as the cheapest option for full coverage car insurance in Michigan, with an insurance premium of $164 per month.
- The city with the lowest car insurance rates in Michigan is Ann Arbor, with an annual premium of $3,529.
- Michigan drivers can save up to 50% annually on their auto insurance policy by comparing price quotes from multiple carriers.
You can find the cheapest full-coverage car insurance in Michigan for $164 a month from GEICO. It saves you $166 compared to the state average car insurance cost of $330 monthly.
Shopping for car insurance in Michigan can be a hassle, but CarInsurance.com is here to help. We have analyzed quotes from top car insurance companies, such as Geico, Progressive and State Farm so you can see who offers the best deals.
“Drivers looking to get the cheapest insurance premiums in Michigan should maintain continuous coverage and avoid any lapse. When it comes to shopping for a new insurance company, discounts may be applied if the drivers have maintained continuous coverage, which will help lower the annual premium,” says Lauren Mckenzie, senior insurance agent, A Plus Insurance.
Which company offers the cheapest car insurance in Michigan?
GEICO offers the cheapest car insurance rates in Michigan for a full coverage policy with an average premium of $164 per month or around $1,971 per year, based on CarInsurance.com’s rate analysis.
A full coverage policy includes liability insurance, which is required by law in most states and optional coverage such as comprehensive and collision insurance, which typically have a deductible.
The below table shows the cheapest quotes in Michigan by different insurance carriers for a full coverage policy.
Cheapest car insurance rates in Michigan per month
| Company | Full coverage monthly rates |
|---|---|
| GEICO | $164 |
| Auto-Owners | $239 |
| Progressive | $245 |
| State Farm | $360 |
| Frankenmuth Insurance | $433 |
| The Hanover | $653 |
Who pays the lowest auto insurance premiums in Michigan?
The cost of car insurance can vary greatly depending on your age, location, driving record, credit score, driving habits and vehicle type. However, some insurers may offer you more affordable rates than others based on your situation.
- Michigan drivers in their 20s pay 54% lower rates for insurance than a 16-year-old in Michigan.
- Adding a teen to your policy will cost you 63% less than having the teen purchase their own auto insurance policy.
- Drivers who are licensed for three or more years pay 21% less on their insurance premiums.
- Drivers insured for three or more years can save up to 10% on their insurance costs.
TipIf you no longer drive regularly or work remotely, you may want to re-evaluate your insurance policy. Drivers with a daily commute of less than 15 miles can save up to 5% for this state more on their premiums.
Cheapest insurers for different coverage levels in Michigan
We all know that car insurance costs are different for everyone and can vary depending on your insurance company. Other than the insurer, your driving record and coverage levels also play a role in determining your premium.
Besides full coverage, there are liability-only and state-minimum car insurance policies. Liability only covers injuries and property damage to others in an accident.
Not all insurers offer the same coverage limits at the same price point. For instance:
- GEICO is the cheapest for a state minimum policy.
- GEICO has the cheapest rates for a liability-only policy (50/100/50).
- GEICO offers the cheapest car insurance for a full coverage policy (100/300/100) in Michigan.
The numbers above (100/300/100) represent up to $100,000 bodily injury with $300,000 bodily injury per accident and up to $100,000 for property damage.
Cheapest companies for state minimum coverage in Michigan
In Michigan, all drivers must have a certain amount of car insurance, also called the state’s minimum coverage requirements. You must purchase the minimum coverage limits listed below. Keep in mind that minimums are merely that – the minimum. Most drivers need more insurance to be protected in case of a costly accident.
| Minimum coverage | Minimum limit |
|---|---|
| Minimum bodily injury liability | $50,000/$100,000 |
| Minimum property damage liability | $10,000 |
Read more about the minimum liability car insurance requirements by state
The following table lists Michigan’s major insurance providers, ranked by their average annual state minimum coverage rates, from cheapest to most expensive.
| Company | State minimum annual rates |
|---|---|
| GEICO | $706 |
| Auto-Owners | $755 |
| Progressive | $937 |
| Frankenmuth Insurance | $1,192 |
| State Farm | $1,949 |
| The Hanover | $2,472 |
Cheapest insurance providers for liability-only coverage in Michigan
Liability-only coverage will financially protect you up to the specific policy limits for any damage, injuries or deaths resulting from an accident for which you’re responsible.
Here are the average annual rates for liability insurance coverage from major carriers in Michigan, ranked in the order of the cheapest to the most expensive. The coverage limits for these rates are $50,000 for bodily injury per person, $100,000 for bodily injury per accident and $50,000 for property damage.
| Company | Liability only annual rates |
|---|---|
| GEICO | $784 |
| Auto-Owners | $809 |
| Progressive | $1,088 |
| Frankenmuth Insurance | $1,237 |
| State Farm | $1,954 |
| The Hanover | $2,710 |
Cheapest car insurance companies in Michigan for full coverage
Full coverage car insurance provides comprehensive protection for your vehicle. It typically includes liability coverage, collision coverage and comprehensive coverage, which safeguards against many incidents beyond accidents, such as theft or natural disasters.
When it comes to car insurance, it’s important to have coverage that fits your income, assets and risk profile. If you’re financing your vehicle, your lender will likely require you to purchase a full coverage auto insurance policy.
The table below lists major insurance providers in Michigan based on the average annual cost for a full coverage policy with limits of $100,000/$300,000 bodily injury, $100,000 property damage and $500 comprehensive/collision deductibles.
| Company | Full coverage annual rates |
|---|---|
| GEICO | $1,971 |
| Auto-Owners | $2,868 |
| Progressive | $2,946 |
| State Farm | $4,323 |
| Frankenmuth Insurance | $5,197 |
| The Hanover | $7,837 |
Learn more about who has the cheapest full coverage auto insurance
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Cheapest car insurance in Michigan by driving history
In Michigan, driving history significantly impacts car insurance costs. Insurance companies use this information to evaluate the risk of insuring a driver. Drivers with clean records pose less risk, leading to lower premiums.
Insurance companies consider traffic violations like speeding tickets, DUIs and at-fault accidents as indicators of risky driving behavior. So, they charge higher premiums to drivers with these violations on their record.
In Michigan, drivers with a history of such violations typically pay $3,933 more annually than drivers with clean records.
Cheap car insurance rates after a speeding ticket in Michigan
If you’ve got a speeding ticket on your Michigan driving record and need affordable car insurance, GEICO might be the answer. With an average annual rate of $3,619 , GEICO offers the cheapest full coverage auto insurance options for drivers with speeding tickets in Michigan.
| Company | Rates before speeding | After speeding (1-29 mph over limit) | % difference | $ difference |
|---|---|---|---|---|
| GEICO | $1,971 | $3,619 | 84% | $1,648 |
| Progressive | $2,946 | $3,978 | 35% | $1,032 |
| Auto-Owners | $2,868 | $4,073 | 42% | $1,205 |
| State Farm | $4,323 | $6,667 | 54% | $2,344 |
| Frankenmuth Insurance | $5,197 | $7,535 | 45% | $2,338 |
| The Hanover | $7,837 | $16,756 | 114% | $8,919 |
Cheapest car insurance premiums in Michigan after a DUI conviction
Michigan drivers with a DUI on their record can get the cheapest car insurance from Progressive at an average of $3,715 a year, followed by Auto-Owners with an annual premium of $6,582 annually, based on recent data.
| Company | Rates before DUI | Rates after a DUI | % difference | $ difference |
|---|---|---|---|---|
| Progressive | $2,946 | $3,715 | 26% | $769 |
| Auto-Owners | $2,868 | $6,582 | 129% | $3,714 |
| State Farm | $4,323 | $10,940 | 153% | $6,617 |
| GEICO | $1,971 | $13,457 | 583% | $11,486 |
| The Hanover | $7,837 | $15,519 | 98% | $7,682 |
| Frankenmuth Insurance | $5,197 | $22,276 | 329% | $17,079 |
Cheap car insurance companies in Michigan after an at-fault accident
The car insurance company with the cheapest driver rates after an at-fault accident is Auto-Owners, at $3,393 a year.
On the other hand, Progressive offers the second-cheapest full-coverage car insurance rates for drivers with a history of at-fault accidents at an average annual premium of $4,647 .
When you are responsible for an accident, it can have a significant impact on your insurance premiums. Insurance companies generally consider at-fault accidents an indicator of increased risk, which leads to increased premiums.
| Company | Rates before accident | Rates after accident | % difference | $ difference |
|---|---|---|---|---|
| The Hanover | $7,837 | $23,726 | 203% | $15,889 |
| Auto-Owners | $2,868 | $3,393 | 18% | $525 |
| Progressive | $2,946 | $4,647 | 58% | $1,701 |
| GEICO | $1,971 | $5,137 | 161% | $3,166 |
| State Farm | $4,323 | $5,150 | 19% | $827 |
| Frankenmuth Insurance | $5,197 | $6,176 | 19% | $979 |
Check out the most affordable insurance options in your neighboring state
Michigan cities with the lowest auto insurance rates
Where you live significantly impacts your car insurance cost. Insurance companies consider the number and cost of claims in your area to determine the risk of insuring vehicles. Areas with higher accident risks or theft rates tend to have higher premiums to compensate for the increased risk.
Ann Arbor is the city with the lowest premiums in Michigan at an annual auto insurance rate of $3,529.
Insurance providers rely on statistical data regarding thefts, collisions and vandalism to analyze the likelihood of such incidents occurring in a particular area. Besides driving history, your car model and age play a significant role in determining your insurance premiums.
Find below a list of Michigan cities with the lowest car insurance rates.
| City | Full coverage annual rates |
|---|---|
| Ann Arbor | $3,529 |
| Lansing | $3,598 |
| Grand Rapids | $3,905 |
| Livonia | $4,121 |
| Sterling Heights | $4,296 |
| Westland | $4,316 |
| Troy | $4,355 |
| Warren | $4,679 |
| Detroit | $4,928 |
| Dearborn | $5,213 |
Explore the top 10 factors that influence car insurance rates
How much can you save on auto insurance in Michigan?
Shopping around for car insurance quotes in Michigan can help drivers save 50% annually on full coverage policies.
How much money you save depends on factors specific to you but compare quotes and ensure you’re getting exactly what you need at a good price.
Car insurance discounts in Michigan: Save on premiums
In Michigan, car insurance companies offer various discounts to drivers, such as safe driver and bundling discounts to help you save on your premiums. Learn more about some common car insurance discounts in Michigan below.
| Discount type | % difference | $ difference |
|---|---|---|
| Air Bags | 4% | $139 |
| Anti-Theft Device | 1% | $29 |
| Comp and Coll Deductibles | 14% | $544 |
| Daily Commute | 5% | $211 |
| Days Advanced Purchase | 5% | $213 |
| Days Per Week Driven | 5% | $180 |
| Electronic Signature | 8% | $306 |
| Lower Annual Mileage | 4% | $169 |
| Loyalty – Years Renewal With Company | 9% | $345 |
| Multi Policy | 10% | $414 |
| Paperless/Electornic Documents | 1% | $37 |
| Payment Type | 7% | $293 |
| Primary Use | 8% | $304 |
| Safety Devices | 3% | $120 |
| Student Away At School | 19% | $755 |
| Telematics | 9% | $342 |
| Years Insured | 13% | $509 |
| Years Licensed | 22% | $877 |
Final thoughts on cheap car insurance in Michigan
Our research shows that GEICO has the cheapest full coverage car insurance rates in Michigan for individuals with a good driving record.
We understand that finding affordable car insurance is important, but it’s also crucial to ensure you have enough coverage for adequate financial protection.
To get cheap car insurance in Michigan, first, figure out what coverage you need. Then, compare prices from different companies. Look for discounts and try to keep your driving record clean. Even if you’ve had tickets or accidents, you might still find a company that offers you a good deal.
Resources & Methodology
Methodology
CarInsurance.com commissioned Quadrant Information Services to field rates from all the major insurers in nearly every ZIP code of Michigan for three different coverage levels:
- Full coverage policy with limits 100/300/100, including comprehensive and collision coverage and a $500 deductible.
- Liability-only with limits 50/100/50.
- State-minimum car insurance limits of 50/100/10.
The rates are based on the sample profile of a 40-year-old male and female driving a Honda Accord LX with a clean driving record and a good credit score. We have compared 53,409,632 car insurance quotes from 75 company groups across 34,588 ZIP Codes.
*USAA is only available to military community members and their families.
Violations:
Car insurance rates are calculated by evaluating the sample profile of a 40-year-old driver for a full coverage policy with limits 100/300/100, including comprehensive and collision coverage, and a $500 deductible, with the following incidents applied: clean record, at-fault accident, DUI conviction and speeding ticket.
Discounts:
Car insurance discount rates are for a full coverage policy with limits of 100/300/50 and a $500 comprehensive and collision deductible based on the sample profile of a 40-year-old male driver. To gather the data, our data experts compared 2,677,890 insurance quotes across various ZIP Codes.
The rates are for comparison purposes only and your exact rates may vary.
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