- Travelers has the cheapest car insurance rates in Michigan for full coverage at $113 a month among the companies analyzed by the team of CarInsurance.com.
- In Michigan, drivers with clean driving records pay 61% less than drivers with a DUI.
- The city of Grand Haven has the lowest auto insurance rates in Michigan, with an average premium of $1,868 per year.
- You can save up to 40% per year on your car insurance policy in Michigan by comparing price quotes from multiple insurers.
You can find the cheapest full-coverage car insurance in Michigan for $113 a month from Travelers. It saves you $76 compared to the state average car insurance cost of $189 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.
Car insurance companies with cheap car insurance in Michigan
Travelers has the cheapest full coverage car insurance in Michigan, at an average premium of $113 per month or around $1,355 per year, based on CarInsurance.com data.
A full-coverage auto insurance policy typically includes liability coverage, which is mandated by most states and optional coverages such as comprehensive and collision insurance, which have a deductible.
The table below provides the cheapest full coverage insurance quotes in Michigan. We’ve gathered rates from different insurance companies to help you find the most affordable option.
Cheapest car insurance rates in Michigan per month
| Company | Full coverage monthly rates |
|---|---|
| Travelers | $113 |
| GEICO | $129 |
| Progressive | $172 |
| Auto-Owners | $173 |
| Automobile Club MI (AAA) | $211 |
| Pioneer State Mutual | $221 |
| Frankenmuth Insurance | $235 |
| Michigan Farm Bureau | $243 |
| State Farm | $300 |
| USAA* | $126 |
Note: USAA is only available to military community members and their families.
Michigan drivers who pay lower insurance premiums
Car insurance rates can differ due to various factors, including age, location, driving history, credit score and the type of vehicle you own. Some insurers may offer cheaper rates for certain types of drivers compared to others.
- Michigan drivers with clean records pay 61% less than drivers who have a DUI on their record.
- Michigan drivers in their 20s pay 47% lower rates for insurance than a 16-year-old in Michigan.
- Adding a teen to your policy will cost you 54% less than having the teen purchase their own auto insurance policy.
- Drivers who are licensed for three or more years pay 22% less on their insurance premiums.
- Drivers insured for three or more years can save up to 24% 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 10% for this state more on their premiums.
Cheapest Michigan companies for different coverage levels
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.
There are cheaper options, such as liability-only and state minimum policies. These types of insurance only provide coverage for the other party in an at-fault accident up to the limits of the policy.
Not all insurers offer the same coverage limits at the same price point. For instance:
- Auto-Owners is the cheapest for a state minimum policy.
- Auto-Owners has the cheapest rates for a liability-only policy (50/100/50).
- Travelers 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 for medical bills per person, with a $300,000 cap per accident and up to $100,000 to repair other drivers’ cars and property that you damage.
Cheapest state minimum coverage in Michigan
State laws require all drivers to maintain a minimum level of car insurance coverage, also known as the state’s minimum coverage requirements. In Michigan, you must have at least the following insurance coverage on your car.
| 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
Below, you’ll see average annual rates for major insurance providers in Michigan, ranked from cheapest to most expensive for state minimum coverage.
| Company | State minimum annual rates |
|---|---|
| Auto-Owners | $467 |
| Automobile Club MI (AAA) | $507 |
| Pioneer State Mutual | $585 |
| GEICO | $620 |
| Frankenmuth Insurance | $695 |
| Progressive | $789 |
| Michigan Farm Bureau | $810 |
| State Farm | $1,334 |
| USAA* | $320 |
Note: USAA is only available to military community members and their families.
Cheapest liability-only coverage in Michigan
Your liability-only coverage will cover the cost of property damage or bodily injury you cause in an accident, up to the policy limits.
Below, you’ll see average annual rates for major insurance providers in Michigan, ranked from cheapest to most expensive for liability insurance coverage. The coverage limit for the below-mentioned rates is $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 |
|---|---|
| Auto-Owners | $489 |
| Automobile Club MI (AAA) | $545 |
| GEICO | $638 |
| Pioneer State Mutual | $664 |
| Frankenmuth Insurance | $743 |
| Progressive | $829 |
| Michigan Farm Bureau | $847 |
| State Farm | $1,385 |
| USAA* | $379 |
Note: USAA is only available to military community members and their families.
Cheapest full coverage car insurance in Michigan
A full-coverage car insurance policy typically includes comprehensive and collision coverage, offering protection against accidents, theft, vandalism and damage from natural disasters.
In an ideal scenario, having full coverage means having a policy that aligns with your income, assets and risk profile. Lenders typically mandate full coverage for individuals financing their vehicles.
The following table lists the average annual rates of major insurance companies in Michigan from the cheapest to the most expensive. These rates are for a full coverage policy with limits of $100,000 for bodily injury per person, $300,000 for bodily injury per accident and $100,000 for property damage.
| Company | Full coverage annual rates |
|---|---|
| Travelers | $1,355 |
| GEICO | $1,553 |
| Progressive | $2,069 |
| Auto-Owners | $2,080 |
| Automobile Club MI (AAA) | $2,526 |
| Pioneer State Mutual | $2,649 |
| Frankenmuth Insurance | $2,822 |
| Michigan Farm Bureau | $2,911 |
| State Farm | $3,601 |
| USAA* | $1,514 |
Note: USAA is only available to military community members and their families.
Learn more about who has the cheapest full coverage auto insurance
Speak with a friendly agent and get your quote in minutes!
Cheapest auto insurance in Michigan by driving history
Your driving history impacts insurance premiums in Michigan, as insurance companies use this factor to assess the risks associated with providing coverage for a driver.
A clean driving record is the key to affordable car insurance. Traffic violations like speeding, DUIs and at-fault accidents can significantly increase your insurance premiums – insurers consider drivers with these violations on their records risky.
In Michigan, drivers with a history of traffic violation pay an average of $2,316 more per year than those with a clean record. Choose responsible driving habits to save money and protect yourself and others on the road.
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, Progressive might be the answer. With an average annual rate of $2,387, Progressive 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 |
|---|---|---|---|---|
| Progressive | $1,957 | $2,387 | 22% | $430 |
| Automobile Club of MI (AAA) | $1,843 | $3,463 | 88% | $1,619 |
| GEICO | $1,939 | $3,520 | 82% | $1,581 |
| Auto-Owners | $2,825 | $3,910 | 38% | $1,085 |
| Travelers | $4,195 | $4,497 | 7% | $302 |
| Allstate | $4,739 | $5,925 | 25% | $1,186 |
| State Farm | $4,487 | $6,767 | 51% | $2,280 |
| Auto Club Enterprises (AAA) | $4,106 | $7,716 | 88% | $3,611 |
| Farmers | $10,710 | $14,124 | 32% | $3,414 |
| USAA* | $1,625 | $2,250 | 38% | $625 |
Note: USAA is only available to military community members and their families.
Cheapest car insurance in Michigan after a DUI conviction
Progressive offers the cheapest car insurance to Michigan drivers with a DUI conviction at $2,241 per year and Automobile Club of MI (AAA) has the second-cheapest insurance premiums at $4,520 a year, based on recent data.
Drivers with clean driving records can expect to pay an average of 61% less than those with a history of DUI.
| Company | Rates before DUI | Rates after a DUI | % difference | $ difference |
|---|---|---|---|---|
| Progressive | $1,957 | $2,241 | 14% | $283 |
| Automobile Club of MI (AAA) | $1,843 | $4,520 | 145% | $2,677 |
| Auto-Owners | $2,825 | $6,475 | 129% | $3,651 |
| Travelers | $4,195 | $9,089 | 117% | $4,894 |
| Auto Club Enterprises (AAA) | $4,106 | $10,072 | 145% | $5,966 |
| State Farm | $4,487 | $10,925 | 143% | $6,437 |
| GEICO | $1,939 | $13,013 | 571% | $11,074 |
| Farmers | $10,710 | $14,381 | 34% | $3,672 |
| Allstate | $4,739 | $24,289 | 413% | $19,550 |
| USAA* | $1,625 | $2,989 | 84% | $1,364 |
Note: USAA is only available to military community members and their families.
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 Progressive, at $2,618 a year.
On the other hand, Automobile Club of MI (AAA) offers the second-cheapest full-coverage car insurance rates for drivers with a history of at-fault accidents at an average annual premium of $2,640.
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 |
|---|---|---|---|---|
| Progressive | $1,957 | $2,618 | 34% | $660 |
| Automobile Club of MI (AAA) | $1,843 | $2,640 | 43% | $796 |
| Auto-Owners | $2,825 | $3,214 | 14% | $390 |
| GEICO | $1,939 | $4,991 | 157% | $3,052 |
| State Farm | $4,487 | $5,292 | 18% | $805 |
| Travelers | $4,195 | $5,522 | 32% | $1,327 |
| Auto Club Enterprises (AAA) | $4,106 | $5,890 | 43% | $1,785 |
| Allstate | $4,739 | $7,522 | 59% | $2,783 |
| Farmers | $10,710 | $15,116 | 41% | $4,406 |
| USAA* | $1,625 | $2,402 | 48% | $777 |
Note: USAA is only available to military community members and their families.
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.
Grand Haven is the city with the lowest premiums in Michigan at an annual auto insurance rate of $1,868.
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 |
|---|---|
| Grand Haven | $1,868 |
| St. Joseph | $1,874 |
| Spring Lake | $1,894 |
| Samaria | $1,927 |
| Zeeland | $1,929 |
| Saugatuck | $1,950 |
| Macatawa | $1,950 |
| West Olive | $1,951 |
| Holland | $1,957 |
| Ottawa Lake | $1,968 |
Explore the top 10 factors that influence car insurance rates
Average savings on car insurance in Michigan
If you compare car insurance quotes, you could enjoy an annual saving of around 40% on a full coverage policy in Michigan.
While the actual savings may differ for each person, comparing price quotes before buying a policy can help you find affordable insurance.
Car insurance discounts in Michigan: Save on premiums
Michigan drivers can lower their car insurance costs by taking advantage of discounts. Insurance companies give discounts to drivers who drive safely, have safety features in their cars and bundle insurance policies.
Compare prices and coverage from different insurance companies to get the best deal and discounts for your specific needs.
Below, find common auto insurance discounts available in Michigan.
| Discount type | % difference | $ difference |
|---|---|---|
| Air bags | 5% | $191 |
| Anti-theft device | 1% | $50 |
| Daily commute | 11% | $349 |
| Days advanced purchase | 7% | $484 |
| Days per week driven | 10% | $296 |
| Electronic funds transfer | 3% | $171 |
| Electronic signature | 8% | $119 |
| Lower annual mileage | 7% | $287 |
| Loyalty – years renewal with company | 11% | $470 |
| Multi policy | 12% | $621 |
| Paperless/electornic documents | 3% | $184 |
| Payment type | 9% | $460 |
| Primary use | 14% | $516 |
| Profession | 13% | $468 |
| Safety devices | 3% | $185 |
| Telematics | 12% | $424 |
| Years insured | 21% | $2,321 |
| Years licensed | 22% | $3,190 |
The bottom line on cheap car insurance in Michigan
Based on our research, if you are a good driver, Travelers is the cheapest in Michigan for a full coverage policy.
We know that finding the best and cheapest auto insurance coverage is essential, but so is getting the right amount of protection.
The best way to find affordable car insurance in Michigan is to know and understand the coverage you need, compare quotes, apply for discounts and maintain a clean driving record. Even if you have tickets or accidents, it’s still possible that the company will offer you a policy at affordable rates.
Resources &Methodology
Methodology
CarInsurance.com commissioned Quadrant Information Services to field rates in 2023 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.
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.
Still have a question? Ask our experts
Get advice from an experienced insurance professional. Our experts will help you navigate your insurance questions with clarity and confidence.
Browse all FAQs
