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.
- 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
| 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 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 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 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
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.
| 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
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.
| 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?
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 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.
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