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.

Key Highlights
  • According to recent data, Travelers offers the cheapest full coverage car insurance in Michigan at $113 per month.
  • Michigan drivers with a clean driving record pay 61% less for car insurance than drivers with a DUI.
  • In Michigan, the city of Grand Haven has the most affordable car insurance rates at $1,868 annually.
  • Comparing price quotes from multiple insurers can help you save up to 40% per year on your car insurance policy in Michigan.

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

CompanyFull 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.

Tip iconTip

If 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 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:

  • 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 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 coverageMinimum 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.

CompanyState 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.

CompanyLiability 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.

CompanyFull 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

Cheapest car insurance in Michigan, by driving history

Your driving history affects how much you pay for insurance in Michigan because insurance companies use it to assess the risk associated with insuring a driver.

Traffic violations such as speeding tickets, DUIs and at-fault accidents demonstrate risky behavior on the road. Insurance companies view these violations as indicators of higher risk and may charge you higher premiums.

A driver with a history of traffic violations pays $2,316 more annually in Michigan than an individual with a clean driving record.

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.

CompanyRates before speedingAfter speeding (1-29 mph over limit)% difference$ difference
Progressive$1,957$2,38722%$430
Automobile Club of MI (AAA)$1,843$3,46388%$1,619
Geico$1,939$3,52082%$1,581
Auto-Owners$2,825$3,91038%$1,085
Travelers$4,195$4,4977%$302
Allstate$4,739$5,92525%$1,186
State Farm$4,487$6,76751%$2,280
Auto Club Enterprises (AAA)$4,106$7,71688%$3,611
Farmers$10,710$14,12432%$3,414
USAA*$1,625$2,25038%$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 DUIRates after a DUI% difference$ difference
Progressive$1,957$2,24114%$283
Automobile Club of MI (AAA)$1,843$4,520145%$2,677
Auto-Owners$2,825$6,475129%$3,651
Travelers$4,195$9,089117%$4,894
Auto Club Enterprises (AAA)$4,106$10,072145%$5,966
State Farm$4,487$10,925143%$6,437
Geico$1,939$13,013571%$11,074
Farmers$10,710$14,38134%$3,672
Allstate$4,739$24,289413%$19,550
USAA*$1,625$2,98984%$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.

CompanyRates before accidentRates after accident% difference$ difference
Progressive$1,957$2,61834%$660
Automobile Club of MI (AAA)$1,843$2,64043%$796
Auto-Owners$2,825$3,21414%$390
Geico$1,939$4,991157%$3,052
State Farm$4,487$5,29218%$805
Travelers$4,195$5,52232%$1,327
Auto Club Enterprises (AAA)$4,106$5,89043%$1,785
Allstate$4,739$7,52259%$2,783
Farmers$10,710$15,11641%$4,406
USAA*$1,625$2,40248%$777

Note: USAA is only available to military community members and their families.

Which cities in Michigan have the lowest auto insurance rates?

Your car insurance company sets your rates based on many factors. One of the most important is where you live. Companies look at the number and cost of car insurance claims in your area to determine how risky it is to insure you.

The city with the lowest auto insurance rates in Michigan is Grand Haven, at $1,868 per year.

Insurance companies use data about thefts, collisions and vandalism to decide how likely it is for one of these things to happen in your city. Insurers also consider your driving record, the type of car you drive and your car’s age to determine your premiums.

Below is a list of cities in Michigan with the lowest auto insurance rates.

CityFull 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

A detailed guide on the 10 most important factors that influence car insurance rates

How much can you save on car insurance in Michigan?

By comparing car insurance quotes, you can save an average of 40% per year for a full coverage policy in Michigan.

While savings will depend upon individual circumstances, there are still significant benefits associated with comparison shopping and getting exactly what you need at an affordable price.

Car insurance discounts in Michigan: Save on premiums

Car insurance discounts in Michigan can help you save on car insurance premiums. Insurance companies offer discounts to drivers for safe driving, vehicle safety features and policy bundling. Here are some common car insurance discounts available in Michigan.

Shop around and compare quotes from different insurance companies to find the best coverage and discounts for your specific needs.

Discount type% difference$ difference
Air bags5%$191
Anti-theft device1%$50
Daily commute11%$349
Days advanced purchase7%$484
Days per week driven10%$296
Electronic funds transfer3%$171
Electronic signature8%$119
Lower annual mileage7%$287
Loyalty – years renewal with company11%$470
Multi policy12%$621
Paperless/electornic documents3%$184
Payment type9%$460
Primary use14%$516
Profession13%$468
Safety devices3%$185
Telematics12%$424
Years insured21%$2,321
Years licensed22%$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.

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Meet our editorial team
author-img Shivani Gite Contributing Writer
Shivani Gite is a personal finance and insurance writer with a degree in journalism and mass communication. She is passionate about making insurance topics easy to understand for people and helping them make better financial decisions. When not writing, you can find her reading a book or watching anime.
author-img Laura Longero Executive Editor
Laura Longero is an insurance expert with more than 15 years of experience educating people about personal finance topics and helping consumers navigate the complexities of auto insurance. She writes and edits for QuinStreet’s CarInsurance.com, Insurance.com and Insure.com. Prior to joining QuinStreet, she worked as a reporter and editor at the USA Today Network.