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.
- 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.
Which company offers the cheapest car insurance rates in Michigan?
Travelers offers the cheapest car insurance rates in Michigan for a full coverage policy with an average premium of $113 per month or around $1,355 per year, based on CarInsurance.com’s rate analysis.
A full coverage policy bundles liability insurance, which is required by most states, with optional coverages like comprehensive and collision. These additional coverages come with a deductible, meaning you’ll have to pay a set amount out-of-pocket before your insurance kicks in.
Find out which insurance company offers the cheapest car insurance rates for full coverage in Michigan.
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.
You might also be interested in
- Non-owner car insurance in Michigan: Find affordable rates
- Liability insurance for Michigan drivers
- Minimum car insurance requirements in Michigan
- Michigan car insurance calculator: Get estimates by ZIP code and model
- How much is car insurance for a 25-year-old in Michigan?
- Car insurance for high-risk drivers in Michigan
- Cheap car insurance for seniors in Michigan
- How much does car insurance cost in Michigan?
Who pays a lower insurance premium in Michigan?
Car insurance quotes vary based on several factors such as your age, location, driving record, credit score, driving habits and vehicle. Some insurance companies may offer cheaper policies for certain types of drivers than others. For instance:
- Michigan drivers with clean records pay 61% less than drivers who have a DUI on their records.
- 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 companies 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.
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 companies for state minimum coverage in Michigan
Michigan requires all drivers to carry a minimum amount of car insurance, known as the state’s minimum coverage requirements. It means that your policy must include at least:
| 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 |
|---|---|
| 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 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.
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 in Michigan
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.
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
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 in Michigan after a speeding ticket
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 premiums in Michigan after a DUI conviction
CarInsurance.com analyzed insurance rates for Michigan drivers with DUI convictions and we found that Progressive provides the cheapest car insurance rates at an average annual premium of $2,241 . Automobile Club of MI (AAA) is the second-cheapest insurer at an average of $4,520 per year.
A DUI can significantly impact your car insurance costs. On average, drivers with clean records pay 61% less than drivers with a DUI on their record.
| 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 rates after an at-fault accident in Michigan
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 .
If you’re found at fault in an accident, it can significantly raise your insurance premiums. Insurance companies view at-fault incidents as a sign of higher risk, leading to higher costs for coverage.
| 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.
Cheapest car insurance rates by state
Please enter the correct format
Our apologies, we cannot display the data due to availability or spelling errors. Please check the spelling and try again. For assistance, reach out us via Cities with the lowest auto insurance rates in Michigan
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.
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.
| 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 |
A detailed guide on the 10 most important factors that influence car insurance rates
How much can you save on car insurance in Michigan?
Shopping around for car insurance quotes in Michigan can help drivers save 40% annually on full coverage policies.
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 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.
It’s important to find the cheapest auto insurance and ensure you have the right amount of protection for your needs.
To get affordable car insurance in Michigan, figure out the coverage you require, compare quotes from different companies, look for discounts and keep a good driving record.
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:
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.
Ask the Insurance Expert
Laura Longero
Executive Editor
Laura is an award-winning editor with experience in content and communications covering auto insurance and personal finance. She has written for several media outlets, including the USA Today Network. She most recently worked in the public sector for the Nevada Department of Transportation.
Ask the Insurance Expert
John McCormick
Editorial Director
John is the editorial director for CarInsurance.com, Insurance.com and Insure.com. Before joining QuinStreet, John was a deputy editor at The Wall Street Journal and had been an editor and reporter at a number of other media outlets where he covered insurance, personal finance, and technology.
Ask the Insurance Expert
Leslie Kasperowicz
Managing Editor
Leslie Kasperowicz is an insurance educator and content creation professional with nearly two decades of experience first directly in the insurance industry at Farmers Insurance and then as a writer, researcher, and educator for insurance shoppers writing for sites like ExpertInsuranceReviews.com and InsuranceHotline.com and managing content, now at CarInsurance.com.
Ask the Insurance Expert
Nupur Gambhir
Managing Editor
Nupur Gambhir is a content editor and licensed life, health, and disability insurance expert. She has extensive experience bringing brands to life and has built award-nominated campaigns for travel and tech. Her insurance expertise has been featured in Bloomberg News, Forbes Advisor, CNET, Fortune, Slate, Real Simple, Lifehacker, The Financial Gym, and the end-of-life planning service.
Guide to car insurance (with rates) in cities of Michigan