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.
| 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.
| 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.
| 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.
| 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.
| 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.
Compare quotes from top car insurance companies
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.
| 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.
| 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.
| 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.
| 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.
| 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.
| 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.
| 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.
| 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.
| 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.
| 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.
| 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
QuoteWizard.com LLC has made every effort to ensure that the information on this site is correct, but we cannot guarantee that it is free of inaccuracies, errors, or omissions. All content and services provided on or through this site are provided "as is" and "as available" for use. QuoteWizard.com LLC makes no representations or warranties of any kind, express or implied, as to the operation of this site or to the information, content, materials, or products included on this site. You expressly agree that your use of this site is at your sole risk.