The Cheapest Car Insurance in Michigan for November 2024
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NerdWallet analyzed rates for 21 insurers to find the cheapest auto insurance in Michigan. We reviewed rates for drivers of different ages, with different driving histories and coverage types to find the cheapest companies.
At a glance: The cheapest car insurance in Michigan
Wolverine Mutual offers the cheapest minimum coverage in Michigan, with an average rate of $280 per year, according to NerdWallet's November 2024 analysis.
The absolute cheapest policies offer just bare minimum coverage. The average cost of minimum coverage in Michigan is $663 per year, or $55 per month.
Full coverage in Michigan costs an average of $3,022 per year, or $252 per month.
The cheapest minimum coverage insurance in Michigan
Below is the cheapest car insurance in Michigan for minimum coverage required by the state. Rates are based on a 35-year-old driver with good credit and a clean driving history.
| Company | Median annual rate | Median monthly rate |
|---|---|---|
| Wolverine Mutual | $280 | $23 |
| Fremont | $428 | $36 |
| Geico | $457 | $38 |
| Auto-Owners | $504 | $42 |
| Meemic | $540 | $45 |
If you’re looking for top-of-the-line auto coverage, check out our list of the best car insurance in Michigan.
If you're looking for cheap options in Michigan's largest city, check out our guide to the cheapest car insurance in Detroit.
See what you could save on car insurance
Easily compare personalized rates to see how much switching car insurance could save you.Keep reading to find the cheapest car insurance in Michigan for different driver profiles and coverage types among:
Cheap auto insurance in Michigan for young drivers
Young drivers may have to get a lot of quotes to find the best cheap car insurance. Prices can be sky-high in your 20s, but tend to come down as drivers get more experience on the road. Still, some companies routinely have better insurance rates for young drivers, so it's best to shop around to find them.
Cheapest minimum coverage car insurance in Michigan for young drivers
For bare-bones coverage for 20-year-olds, these companies had the lowest average rates:
| Company | Median annual rate | Median monthly rate |
|---|---|---|
| Auto-Owners | $686 | $57 |
| Geico | $772 | $64 |
| Fremont | $868 | $72 |
| Wolverine Mutual | $872 | $73 |
| Meemic | $964 | $80 |
Cheapest full coverage car insurance in Michigan for young drivers
If you have a clean driving record consider the following companies, which had the lowest average rates for 20-year-old drivers:
| Company | Median annual rate | Median monthly rate |
|---|---|---|
| Geico | $2,278 | $190 |
| Michigan Farm Bureau | $3,323 | $277 |
| Auto-Owners | $3,376 | $281 |
| Progressive | $4,125 | $344 |
| Hastings Mutual | $4,168 | $347 |
Cheap auto insurance in Michigan for senior drivers
Car insurance costs may start to rise for older drivers, so it’s wise to shop around for the cheapest rates. You can also check for senior discounts. For example, some insurers offer discounts to senior drivers who take a defensive driving course.
Cheapest minimum coverage car insurance in Michigan for seniors
Drivers in Michigan who want just the state minimum coverage may want to check with these insurers, which had the lowest average rates for 70-year-old drivers:
| Company | Median annual rate | Median monthly rate |
|---|---|---|
| Wolverine Mutual | $286 | $24 |
| Fremont | $380 | $32 |
| Farmers | $438 | $37 |
| Chubb | $579 | $48 |
| Michigan Insurance | $613 | $51 |
Cheapest full coverage car insurance in Michigan for seniors
Drivers in Michigan with clean driving records may want to think about getting quotes from these companies, which had the lowest average rates for 70-year-olds:
| Company | Median annual rate | Median monthly rate |
|---|---|---|
| Hastings Mutual | $1,542 | $129 |
| Wolverine Mutual | $1,886 | $157 |
| Michigan Farm Bureau | $2,084 | $174 |
| Progressive | $2,150 | $179 |
| Fremont | $2,200 | $183 |
Cheapest car insurance in Michigan by driving record
Having a driving violation on your record is likely to increase your car insurance premium. How much more you’ll pay depends on the type of violation, your car insurance carrier and your other personal characteristics.
NerdWallet found the companies offering the lowest car insurance rates for 35-year-old Michigan drivers with different driving records. If you have multiple violations on your record, consider looking into the best high risk car insurance companies.
Cheapest car insurance in Michigan after a speeding ticket
If you recently got a speeding ticket in Michigan, check out these companies we found with the lowest average rates for minimum coverage:
| Company | Median annual rate | Median monthly rate |
|---|---|---|
| Wolverine Mutual | $336 | $28 |
| Fremont | $682 | $57 |
| Chubb | $710 | $59 |
| Farmers | $722 | $60 |
| Westfield | $758 | $63 |
Cheapest car insurance in Michigan after an accident
And here are the companies with the lowest average rates for minimum coverage and a recent at-fault accident in Michigan:
| Company | Median annual rate | Median monthly rate |
|---|---|---|
| Wolverine Mutual | $362 | $30 |
| Fremont | $576 | $48 |
| Auto-Owners | $578 | $48 |
| Pioneer State | $742 | $62 |
| Meemic | $794 | $66 |
Cheapest car insurance in Michigan after a DUI
For drivers with a recent DUI in Michigan, here are the companies with the lowest average rates for minimum coverage:
| Company | Median annual rate | Median monthly rate |
|---|---|---|
| Wolverine Mutual | $848 | $71 |
| Progressive | $925 | $77 |
| Farmers | $1,154 | $96 |
| Auto-Owners | $1,184 | $99 |
| Pioneer State | $1,305 | $109 |
» MORE: Getting an SR22 in Michigan
Cheapest car insurance in Michigan by credit history
Your credit history can impact your auto insurance rates in Michigan. Insurers use a credit-based insurance score, which is different from your regular credit score, to determine the likelihood you’ll file a claim. Your credit score is likely a good indicator of your credit-based insurance score.
Cheapest car insurance in Michigan for drivers with poor credit
NerdWallet found the companies offering the lowest car insurance rates for 35-year-old Michigan drivers with poor credit. Drivers with poor credit in Michigan can look at the following companies with the lowest average rates for minimum coverage:
| Company | Median annual rate | Median monthly rate |
|---|---|---|
| Wolverine Mutual | $494 | $41 |
| Fremont | $640 | $53 |
| Geico | $712 | $59 |
| Chubb | $944 | $79 |
| Michigan Insurance | $1,060 | $88 |
Cheapest car insurance for military families in Michigan
If you're an active member of the military or a veteran — or have an immediate family member who is — chances are you'll get a relatively cheap rate with USAA, a company that isn't available to the general public.
Because of that restriction, USAA isn't ranked with the others, but it was among the cheapest three auto insurance options for 62 of the 70 driver profiles we examined.
How we chose the cheapest companies in Michigan
NerdWallet’s editorial team analyzed car insurance rates from 21 auto insurers in Michigan and listed the five cheapest options for drivers in several age brackets and with different histories, all driving a 2021 Toyota Camry LE. For minimum coverage, we looked at rates that reflect the minimum requirements in Michigan. For full coverage, we used the below coverage limits:
$100,000 bodily injury liability per person.
$300,000 bodily injury liability per accident.
$50,000 property damage liability per accident.
$100,000 uninsured motorist coverage per person.
$300,000 uninsured motorist coverage per accident.
Collision coverage with a $1,000 deductible.
Comprehensive coverage with a $1,000 deductible.
Minimum car insurance requirements in Michigan
Michigan residents must carry liability insurance, personal property protection (known as PPI) and personal injury protection (known as PIP).
PPI pays to fix damage you cause to others’ property, such as a fence or garage, while driving, or damage you cause to others’ parked cars. PIP primarily covers injuries that you and your passengers suffer in a crash, no matter who caused the incident.
You must select at least the following amounts of liability insurance, personal property protection and personal injury protection:
$50,000 bodily injury liability per person.
$100,000 bodily injury liability per incident.
$1 million PPI for incidents that occur within Michigan.
$10,000 property damage liability per incident outside Michigan.
$250,000* personal injury protection.
*Lower PIP limits available for certain Medicare and Medicaid recipients.
Liability car insurance covers the cost of any damage, injuries or deaths you cause in a car accident, up to your policy’s predefined limits.
Property protection insurance, or PPI, will pay up to $1 million for repairs if you’re driving in Michigan and damage another resident’s property, including buildings, fences or parked cars.
Personal injury protection will cover your medical bills and expenses if you’re injured in a car crash, up to your policy limits, no matter whose fault it was. Depending on your state, PIP may also pay for:
Lost wages if you’re unable to work due to injuries from an accident.
Services you can no longer perform, like house cleaning or child care, because of your injuries.
Funeral costs if an accident-related injury leads to death.
A small death benefit as a cash payout.
Experts recommend buying more than the bare minimum liability insurance to avoid having to pay out of pocket for damage that exceeds your policy’s limits.
Check out NerdWallet’s guide to car insurance requirements by state to learn more about how the required and optional coverages of your Michigan auto policy work.
Alternative car insurance in Michigan
Drivers who are denied car insurance on the open market because of DUIs or other factors may apply for coverage through the Michigan Automobile Insurance Placement Facility.
NerdWallet can also help drivers find cheap car insurance in Michigan. Try our car insurance comparison tool to view rates from leading companies in the Wolverine State.
For our “good driver” profile, NerdWallet averaged insurance estimates for single male and female drivers with good credit and no tickets or violations. The analysis included 5-10 of the largest insurance companies in each state; smaller insurers were also included when rates were available. Liberty Mutual and its subsidiaries were excluded from our analysis as rates were not available.
For full coverage policies, we used the following coverage limits:
$100,000 bodily injury liability per person.
$300,000 bodily injury liability per accident.
$50,000 property damage liability per accident.
$100,000 uninsured motorist coverage per person.
$300,000 uninsured motorist coverage per accident.
Collision coverage with a $1,000 deductible.
Comprehensive coverage with a $1,000 deductible.
In states where required, minimum additional coverages were added. Some policies include additional coverages at the insurer’s discretion.
We used a 2021 Toyota Camry LE for all drivers and assumed 12,000 annual miles driven.
We analyzed rates for drivers 20 to 70 years old in ten-year increments. For the average cost of full and minimum coverage in each state, we looked at 35-year-old drivers.
We used the same assumptions for all other driver profiles, with the following exceptions:
For drivers with minimum coverage, we adjusted the numbers above to reflect the minimum required coverage by law in the state.
We changed the credit tier from “good” to “poor” as reported to the insurer to see rates for drivers with poor credit.
For drivers with one at-fault crash, we added a single at-fault crash that happened six months ago, resulting in $10,000 in property damage and no bodily injury claim.
For drivers with a DUI, we added a single drunken driving violation that happened six months ago.
We looked at 35-year-old drivers to find the cheapest company overall, the cheapest company for minimum coverage and the cheapest company for drivers with poor credit in states where credit history is used to price rates. We looked at 20-year-old drivers to find the cheapest company for young drivers.
These are rates generated through Quadrant Information Services. Your own rates will be different. Some insurance companies included in this article may have made changes in their underwriting practices and no longer issue new policies in your state.
