Cheapest Car Insurance in Michigan (2022)

The cheapest full-coverage car insurance in Michigan: Progressive at $202 per month and Auto-Owners at $271.

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Progressive and Auto-Owners have the cheapest car insurance in Michigan, according to QuoteWizard’s analysis of the state’s auto insurance companies and rates.

Progressive offers the cheapest full-coverage car insurance in Michigan, at $2,428 a year, or $202 a month. Auto-Owners offers the cheapest minimum car insurance, at $1,626 a year, or $135 a month.

Keep reading to learn more about how to find cheap auto insurance in Michigan.

In this article

Cheapest car insurance in Michigan: Auto-Owners

Auto-Owners offers the cheapest car insurance rates in Michigan for minimum-coverage policies, at $135 a month, on average.

Actually, USAA’s average rates for minimum-coverage car insurance, just $70 a month, are even cheaper than those of Auto-Owners; however, only current and former members of the military, as well as certain family members, can get insurance from USAA. We’re including it here anyway for reference.

Cheapest minimum car insurance in Michigan
Company Annual rate Monthly rate
Auto-Owners $1,626 $135
Progressive $1,834 $153
Frankenmuth $2,117 $176
State average $2,497 $208
Farm Bureau $2,655 $221
State Farm $3,514 $293
MEEMIC $4,884 $407
USAA $846 $70
Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary.

A minimum-coverage car insurance policy includes just the minimum coverage types and amounts state law requires. In Michigan, a minimum-coverage policy includes bodily injury and property damage liability coverage, as well as personal injury protection and property protection insurance coverage.

Cheapest full-coverage car insurance in Michigan: Progressive

Progressive is the cheapest car insurance company in Michigan for a full-coverage policy, with an average rate of $202 a month.

Once again, USAA is the cheapest option overall for full-coverage car insurance in Michigan, with an average rate of $149 a month, but it’s only accessible to military members and their families.

Cheapest full-coverage auto insurance in Michigan
Company Annual rate Monthly rate
Progressive $2,428 $202
Auto-Owners $3,256 $271
Frankenmuth $4,070 $339
State average $4,278 $357
State Farm $5,524 $460
Farm Bureau $5,754 $480
MEEMIC $7,124 $594
USAA $1,792 $149
Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary.

Auto-Owners and Frankenmuth are great options for cheap full-coverage car insurance in Michigan, too, offering average monthly rates of $271 and $339, respectively.

Full-coverage car insurance usually includes liability, collision and comprehensive coverages. Although Michigan law doesn’t require full-coverage car insurance, your lender or lessor might. You should consider getting full coverage — even if it’s not required — if you have a new or expensive vehicle. Otherwise, you may need to pay for repairs out of your own pocket if your vehicle is damaged.

Cheapest car insurance for drivers with an accident history in Michigan: Progressive

Progressive has the cheapest car insurance in Michigan for drivers with an accident history, with an average rate of $293 a month. This is $175 a month cheaper than the state average.

Cheapest car insurance for drivers after an accident
Company Annual rate Monthly rate
Progressive $3,522 $293
Auto-Owners $3,767 $314
Frankenmuth $5,324 $444
State average $5,621 $468
Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary.

Drivers with accidents on their records typically pay higher rates for auto insurance because companies think they’re likely to be involved in more accidents down the road.

Cheapest car insurance after a DUI in Michigan: Progressive

Progressive is the best option for cheap car insurance after a DUI in Michigan, offering an average rate of $241 a month. If you’re eligible, USAA is a great choice in this situation, too, with an average rate of $280 a month.

Cheapest car insurance after a DUI
Company Annual rate Monthly rate
Progressive $2,889 $241
USAA $3,356 $280
Auto-Owners $7,797 $650
State average $11,498 $958
Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary.

The state average rate for car insurance after a DUI is $958 a month. Many drivers see their car insurance premiums double following a DUI conviction.

Cheapest car insurance for drivers with a speeding ticket in Michigan: Progressive

Progressive is the cheapest car insurance company for Michigan drivers with a speeding ticket on their records, offering a rate of $250 a month, on average.

Auto-Owners and Frankenmuth also offer cheap average rates to these drivers, at $314 and $371 a month, respectively.

Cheapest auto insurance for drivers with a speeding ticket
Company Annual rate Monthly rate
Progressive $3,000 $250
Auto-Owners $3,767 $314
Frankenmuth $4,449 $371
State average $5,018 $418
Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary.

Drivers with one or more speeding tickets on their records often pay higher rates for car insurance than drivers with clean records.

Cheapest car insurance in Michigan for members of the military: USAA

If you are a current or former member of the military, or an eligible family member of one, USAA is your best option in Michigan for cheap car insurance.

According to our survey of the state’s car insurance providers, USAA offers the cheapest average rates for most of the driver profiles we analyzed, including teens and seniors.

For example, we found USAA’s average rate for minimum-coverage car insurance to be $70 a month. This is $65 a month cheaper than Auto-Owners’ average monthly rate, and $138 a month cheaper than the state average.

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Cheapest car insurance for teen drivers in Michigan: Auto-Owners

Auto-Owners has the cheapest car insurance for 18-year-old drivers in Michigan, at $272 a month, on average. Farm Bureau also offers cheap car insurance to the state’s teen drivers, with an average rate of $354 a month.

If you’re an eligible family member of someone in the military, you may be able to get even cheaper car insurance from USAA. USAA’s average rate for teen drivers in Michigan is $123 a month.

Cheapest car insurance for 18-year-old drivers
Company Annual rate Monthly rate
Auto-Owners $3,265 $272
Farm Bureau $4,250 $354
State average $5,700 $475
Frankenmuth $6,110 $509
Progressive $6,632 $553
MEEMIC $8,541 $712
State Farm $9,621 $802
USAA $1,482 $123
Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary.

Teen drivers pay more for car insurance than older drivers, in most cases. This is because insurance companies see them as riskier to cover due to their lack of experience behind the wheel.

To get cheap auto insurance as a teen, shop around and compare quotes from several companies. Two other things you can do are stay on your parents’ insurance policy as long as you can, and see if you qualify for any discounts.

Cheapest full-coverage insurance for teen drivers in Michigan: Auto-Owners

For cheap full-coverage car insurance as a teen in Michigan, make sure you get a quote from Auto-Owners. It offers the cheapest rate in the state, at $574 a month. Get a quote from Farm Bureau, too, which offers an average rate of $787 a month to Michigan 18-year-olds.

Cheapest full-coverage car insurance for 18-year-old drivers
Company Annual rate Monthly rate
Auto-Owners $6,883 $574
Farm Bureau $9,440 $787
Progressive $9,940 $828
State average $10,033 $836
Frankenmuth $11,548 $962
MEEMIC $13,657 $1,138
State Farm $14,985 $1,249
USAA $3,779 $315
Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary.

Cheapest car insurance for teen drivers with an accident history in Michigan: Auto-Owners

Auto-Owners is the cheapest car insurance company in Michigan for teen drivers with an accident on their records, too, at an average rate of $672 a month.

Cheapest car insurance for 18-year-old drivers with an accident
Company Annual rate Monthly rate
Auto-Owners $8,065 $672
Farm Bureau $10,958 $913
Progressive $11,349 $946
State average $11,932 $994
Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary.

Cheapest car insurance for teen drivers after a DUI in Michigan: Progressive

Progressive has the cheapest car insurance rates in Michigan for 18-year-old drivers after a DUI, at $882 a month, on average.

Cheapest car insurance for 18-year-old drivers with a DUI
Company Annual rate Monthly rate
Progressive $10,588 $882
Auto-Owners $16,927 $1,411
State average $23,810 $1,984
MEEMIC $24,418 $2,035
Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary.

Cheapest car insurance for teen drivers with a speeding ticket in Michigan: Auto-Owners

Auto-Owners offers the cheapest car insurance for 18-year-olds in Michigan who have a speeding ticket on their records. Its average rate is $672 a month.

Cheapest car insurance for 18-year-old drivers with a speeding ticket
Company Annual rate Monthly rate
Auto-Owners $8,065 $672
Farm Bureau $9,440 $787
Progressive $10,744 $895
State average $11,438 $953
Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary.

Cheapest car insurance for seniors in Michigan: Frankenmuth

Frankenmuth is the cheapest car insurance company in Michigan for 60-year-old drivers, with an average premium of $134 a month.

Auto-Owners and Progressive also offer cheap car insurance for seniors in Michigan, with average monthly rates that are well below the state average for such coverage.

Cheapest minimum car insurance for seniors in Michigan
Company Annual rate Monthly rate
Frankenmuth $1,604 $134
Auto-Owners $1,688 $141
Progressive $1,773 $148
State average $2,439 $203
Farm Bureau $2,468 $206
State Farm $3,328 $277
MEEMIC $5,372 $448
USAA $840 $70
Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary.

Are you a current or former member of the military? If so, or if you’re an eligible family member of one, get a car insurance quote from USAA. USAA’s average rate for senior drivers in Michigan is only $70 a month.

Companies often reward senior drivers with lower car insurance rates because of their experience on the road. How much you pay for car insurance as a senior is based on more than just your age, though. Companies also take into account your driving history, with incidents like speeding tickets, accidents and DUIs usually resulting in higher premiums.

Cheapest full-coverage auto insurance for seniors in Michigan: Progressive

Progressive has the cheapest full-coverage car insurance for Michigan seniors, at $186 a month, on average.

To get your best rate, compare quotes with Auto-Owners and Frankenmuth, too. Both companies also offer average rates that are lower than the state average of $325 a month for this kind of coverage.

Cheapest full-coverage car insurance for 60-year-old drivers in Michigan
Company Annual rate Monthly rate
Progressive $2,227 $186
Auto-Owners $2,794 $233
Frankenmuth $3,082 $257
State average $3,902 $325
State Farm $5,121 $427
Farm Bureau $5,175 $431
MEEMIC $7,225 $602
USAA $1,688 $141
Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary.

Cheapest car insurance for seniors with an accident history in Michigan: Auto-Owners

Auto-Owners is the best company for cheap car insurance in Michigan if you’re 60 years old and have been in an accident. Its average rate is $270 a month. That’s $163 cheaper than the state average in this area.

Cheapest car insurance for 60-year-olds with an accident history
Company Annual rate Monthly rate
Auto-Owners $3,238 $270
Progressive $3,287 $274
Frankenmuth $4,034 $336
State average $5,199 $433
Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary.

Cheapest car insurance for seniors after a DUI in Michigan: Progressive

To get cheap car insurance as a senior after a DUI, get a quote from Progressive, which offers the state’s best average rate of $223 a month. USAA also offers cheap car insurance for seniors, with an average rate of $265 a month.

Cheapest auto insurance for 60-year-old drivers with a DUI
Company Annual rate Monthly rate
Progressive $2,674 $223
USAA $3,177 $265
Auto-Owners $6,842 $570
State average $10,429 $869
Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary.

Cheapest car insurance for seniors with a speeding ticket in Michigan: Progressive

Progressive offers the cheapest auto insurance for seniors with a speeding ticket, at $232 a month, on average. This is $152 a month cheaper than the state average for such coverage.

Cheapest car insurance for 60-year-olds with a speeding ticket
Company Annual rate Monthly rate
Progressive $2,787 $232
Auto-Owners $3,238 $270
Frankenmuth $3,371 $281
State average $4,608 $384
Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary.

Get cheap car insurance in Michigan

Average car insurance rates in Michigan by city

The cost of car insurance depends on several factors, including where you live. If you live in a city or neighborhood with a high vehicular crime rate or a dense population, you’ll likely pay for more car insurance than you would if you lived in a city or neighborhood with less crime or fewer residents.

In Michigan, that means Detroit residents pay an average of $3,434 a year, or $286 a month, for car insurance. This is the highest average rate among the state’s largest cities.

Conversely, residents of Livonia, which has around one-sixth of Detroit’s population, pay an average of $1,790 a year, or $149 a month, for car insurance.

Average car insurance rates by city
City Annual rate
Ann Arbor $1,425
Clinton $1,466
Dearborn $2,819
Detroit $3,434
Grand Rapids $1,416
Lansing $1,624
Livonia $1,790
Sterling Heights $2,234
Warren $2,533
Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary.

Michigan auto insurance requirements

Michigan law requires drivers to have a minimum of 50/100/10 car insurance. This means your policy must include at least:

  • $50,000 of bodily injury liability coverage per person
  • $100,000 of bodily injury liability coverage per accident
  • $10,000 of property damage liability coverage for accidents outside of Michigan

Michigan drivers also need a minimum amount of personal injury protection (PIP) and property protection insurance (PPI) coverage. The state minimums for these coverage types are:

  • $250,000 of PIP
  • $1,000,000 of PPI

Seven-day insurance Michigan

While it used to be legal in Michigan, so-called seven-day insurance is now banned. Drivers in the state used to get seven-day insurance by buying a car insurance policy, registering their car, then letting their insurance lapse but continuing to drive with their registration.

Frequently asked questions

How much is car insurance in Michigan?

The average cost of car insurance in Michigan is $2,497 a year, or $208 a month, for a minimum-coverage policy. The average cost of full-coverage car insurance in Michigan is $4,278 a year, or $357 a month. Michigan is the second most expensive state in the U.S. for car insurance, behind only New York.

Does Michigan require car insurance?

Yes, Michigan requires a minimum of 50/100/10 car insurance coverage. This means all of the state’s drivers need $50,000 and $100,000 of bodily injury liability coverage per person and per accident, as well as $10,000 of property damage liability coverage. Michigan drivers also need at least $250,000 of PIP and $1,000,000 of PPI coverage.

Methodology

QuoteWizard conducted a comprehensive study of Michigan car insurance rates through Quadrant Information Services. Unless otherwise stated, the quotes analyzed in this article are for a single, 35-year-old male with a clean driving record. He owns a 2012 Honda Accord LX and drives it an average of 13,500 miles a year.

The teen driver in this article is 18 years old, but otherwise fits the same profile as the 35-year-driver above. The same is true of our senior driver, who is 60 years old.

Minimum-coverage car insurance rates highlighted on this page are based on a policy that meets Michigan’s minimum liability requirements. Full-coverage rates are based on a policy with the following limits and deductibles:

  • $100,000 bodily injury liability coverage per person
  • $300,000 bodily injury liability coverage per accident
  • $100,000 property damage liability coverage
  • $500 deductibles for both collision and comprehensive coverage

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