Key Takeaways
- Progressive has the cheapest car insurance for most Michigan drivers.
- If you are a member of the military or you are related to someone who is, USAA may have the cheapest car insurance rates for you.
- Michigan drivers pay some of the highest car insurance rates in the U.S. due to the state’s high coverage requirements and high number of uninsured drivers.
In this article
The cheapest car insurance companies in Michigan
Progressive, Auto-Owners and USAA are the cheapest car insurance companies in Michigan, according to our survey of the state’s top providers.
Cheapest overall: Progressive
Cheapest for young drivers: Auto-Owners
Cheapest for military: USAA
Progressive has the cheapest car insurance in Michigan for most drivers and coverage types, which is a big deal as the state’s car insurance rates are among the highest in the U.S. Progressive offers the cheapest average rates for minimum and full coverage, as well as for drivers with incidents like tickets or accidents on their record, senior drivers and married drivers.
Auto-Owners has the cheapest car insurance rates for young drivers in Michigan.
USAA has the cheapest rates if you’re a former or current member of the military, or if you’re an eligible family member of one.
To find the cheapest rates for the types and amounts of coverage you need, compare auto insurance quotes from several companies.
Michigan car insurance state minimums
Michigan law requires all drivers to have at least 50/100/10 car insurance. This means your policy must include, at a minimum:
| Coverage type | State requirements |
|---|---|
| Bodily injury liability | $50,000 per person/$100,000 per accident |
| Property damage liability | $10,000 |
Michigan drivers also need to have a minimum amount of personal injury protection (PIP) and property protection insurance (PPI) coverage to drive legally. The state minimums for these coverage types are:
- $250,000 of PIP
- $1,000,000 of PPI
If you’re a Medicaid recipient, you may be able to buy just $50,000 of PIP coverage. And you might be able to opt-out entirely if you have a qualifying health insurance plan.
Cheapest minimum-coverage auto insurance rates in Michigan: Progressive
Progressive has the cheapest auto insurance for Michigan drivers who want minimum coverage, charging them an average rate of $134 a month.
The average cost of minimum-coverage car insurance in Michigan is $358 a month.
| Insurance company | Monthly rate |
|---|---|
| Progressive | $134 |
| Auto-Owners | $145 |
| Frankenmuth | $177 |
| Farm Bureau | $240 |
| MEEMIC | $392 |
| State Farm | $508 |
| Hanover | $1,209 |
| USAA* | $62 |
| Rates are for minimum-coverage car insurance for a 35-year-old male with a good driving record. *Only available to current/former military and their families. | |
If you are a current or former member of the military, or you’re related to someone who is, you may get even cheaper car insurance from USAA. It charges an average rate of $62 a month for minimum-coverage policies.
Buying minimum-coverage car insurance that only meets the state’s coverage requirements is a good way to get the lowest rate, but it has its drawbacks. In particular, it can leave you vulnerable to high out-of-pocket costs if you cause an accident.
Find the cheapest car insurance for you in Michigan
Cheapest full-coverage auto insurance rates in Michigan: Progressive
Progressive has the cheapest full-coverage auto insurance in Michigan, too. It charges an average rate of $221 a month for such policies.
The average cost of full-coverage car insurance in Michigan is $558 a month.
| Insurance company | Monthly rate |
|---|---|
| Progressive | $221 |
| Auto-Owners | $296 |
| Frankenmuth | $333 |
| Farm Bureau | $515 |
| MEEMIC | $594 |
| State Farm | $701 |
| Hanover | $1,673 |
| USAA* | $133 |
| Rates are for full-coverage car insurance for a 35-year-old male with a good driving record. *Only available to current/former military and their families. | |
Full-coverage car insurance generally includes collision and comprehensive coverages on top of liability coverage. Michigan doesn’t require drivers to have full-coverage car insurance, but you might still need to buy it if you financed or leased your vehicle.
Cheapest car insurance for drivers with a prior incident
Drivers with a ticket or accident often pay more for car insurance than they would if they had clean driving records. The same is true for drivers with a DUI on their records.
The key to getting affordable auto insurance in any of these situations is to compare rates from several companies, starting with the ones highlighted below.
Cheapest for drivers with a speeding ticket: Progressive
To get the cheapest possible car insurance in Michigan with a speeding ticket on your record, go to Progressive. It offers these drivers full-coverage policies for $269 a month, on average.
If that sounds high, consider that the average cost of car insurance for drivers with a speeding ticket is $711 a month.
| Insurance company | Monthly rate |
|---|---|
| Progressive | $269 |
| Auto-Owners | $351 |
| Frankenmuth | $365 |
| Farm Bureau | $515 |
| MEEMIC | $727 |
| State Farm | $912 |
| Hanover | $2,379 |
| USAA* | $171 |
| Rates are for full-coverage car insurance for a 35-year-old male with one speeding ticket on his driving record. *Only available to current/former military and their families. | |
Michigan drivers with a speeding ticket pay 27% more for car insurance than they would with a clean driving record.
Cheapest for drivers with an at-fault accident: Progressive
Drivers who have an at-fault accident on their records pay 42% more for car insurance in Michigan than they would if they had a clean record.
For the lowest rates in this situation, get a quote from Progressive, which charges an average of $306 a month. This is for a full-coverage policy; you may get an even lower rate with minimum coverage.
| Insurance company | Monthly rate |
|---|---|
| Progressive | $306 |
| Auto-Owners | $351 |
| Frankenmuth | $435 |
| Farm Bureau | $597 |
| State Farm | $842 |
| MEEMIC | $903 |
| Hanover | $2,732 |
| USAA* | $193 |
| Rates are for full-coverage car insurance for a 35-year-old male with one at-fault accident on his driving record. *Only available to current/former military and their families. | |
Cheapest for drivers with a DUI: Progressive
Drivers with a DUI usually pay much higher car insurance rates. This is certainly the case in Michigan, where the average cost of car insurance with a DUI on your record is $1,338 a month. That’s more than twice what these same drivers would pay with a clean record.
Progressive should be the first company you go to for a quote in this situation, as its average rate of $251 a month is by far the cheapest in Michigan for drivers with a DUI. USAA is a few dollars cheaper, but only those with military backgrounds qualify.
| Insurance company | Monthly rate |
|---|---|
| Progressive | $251 |
| Auto-Owners | $720 |
| Farm Bureau | $1,385 |
| Frankenmuth | $1,431 |
| MEEMIC | $1,605 |
| State Farm | $1,825 |
| Hanover | $3,243 |
| USAA* | $245 |
| Rates are for full-coverage car insurance for a 35-year-old male with one DUI on his driving record. *Only available to current/former military and their families. | |
Cheapest car insurance for senior drivers: Progressive
One benefit to getting older is that it usually means lower car insurance rates – up to a point. Our data shows that to be true of 65-year-old drivers in Michigan, at least. On average, these seniors pay $522 a month for full-coverage car insurance, which is 6% lower than what the average 35-year-old pays.
Senior drivers who shop around can find even cheaper car insurance in Michigan. Progressive charges an average rate of $204 a month for full-coverage policies. Auto-Owners is close behind at $237 a month.
| Insurance company | Monthly rate |
|---|---|
| Progressive | $204 |
| Auto-Owners | $237 |
| Frankenmuth | $265 |
| Farm Bureau | $479 |
| State Farm | $642 |
| MEEMIC | $677 |
| Hanover | $1,540 |
| USAA* | $130 |
| Rates are for full-coverage car insurance for a 65-year-old male with a clean driving record. *Only available to current/former military and their families. | |
Cheapest car insurance for young drivers: Auto-Owners
Auto-Owners is the cheapest car insurance company for young drivers in Michigan. Specifically, it charges the state’s 18-year-old drivers $284 a month for minimum coverage. Its average rate for full coverage is $611 a month. Both rates are the lowest for most drivers, and by a good margin.
| Insurance company | Minimum coverage | Full coverage |
|---|---|---|
| Auto-Owners | $284 | $611 |
| Farm Bureau | $385 | $844 |
| Frankenmuth | $425 | $748 |
| Progressive | $466 | $917 |
| MEEMIC | $688 | $1,153 |
| State Farm | $1,401 | $1,917 |
| Hanover | $2,355 | $3,650 |
| USAA* | $106 | $278 |
| Rates are for an 18-year-old male with a clean driving record. *Only available to current/former military and their families. | ||
As you might imagine, teen drivers pay a lot more for car insurance than do drivers who are older and have more experience on the road. In fact, we found that the average teen rates for both minimum- and full-coverage policies in Michigan are over twice as high as they are for 35-year-old drivers.
Compare car insurance quotes from top companies
Cheapest car insurance for married drivers: Progressive
Married drivers in Michigan will find the cheapest car insurance at Progressive, which charges an average rate of $221 a month. This is for full coverage; even lower rates should be possible if you buy less coverage.
Progressive’s average rate for married drivers is the same as its average rate for single drivers. It isn’t unusual for insurance companies to charge married drivers lower rates than they do to single ones, though. The reason: data suggests married drivers are less likely to be involved in an accident or otherwise file a claim than single drivers.
| Insurance company | Monthly rate |
|---|---|
| Progressive | $221 |
| Auto-Owners | $296 |
| Frankenmuth | $333 |
| Farm Bureau | $515 |
| MEEMIC | $594 |
| State Farm | $701 |
| Hanover | $1,673 |
| USAA* | $133 |
| Rates are for full-coverage car insurance for a married 35-year-old male with a good driving record. *Only available to current/former military and their families. | |
Car insurance laws in Michigan
No-fault car insurance
Michigan has a no-fault car insurance law that, among other things, protects the state’s drivers from being sued after an accident. Michigan drivers can only be sued after an accident in certain situations, which include:
- If someone is killed or seriously injured in an accident you caused
- The accident involves a non-resident in a vehicle not registered in Michigan
- The accident happens outside of Michigan
You can also be sued in Michigan if you are found to be at more than 50% at fault for an accident and the damages to the other driver’s vehicle aren’t completely covered by their car insurance. In this situation, you may need to pay up to $1,000 in damages.
Michigan car insurance: FAQs
Progressive has the cheapest car insurance for most Michigan drivers. It has the cheapest rates for minimum-coverage policies at an average of $134 a month, and the cheapest rates for full coverage at an average of $221 a month.
The average cost of car insurance in Michigan is $358 a month for minimum coverage and $558 a month for full coverage.
Car insurance is expensive in Michigan for a few reasons, including its high coverage requirements and its high number of uninsured drivers.
Because of this, it’s vitally important that Michigan drivers compare rates from multiple companies when shopping for car insurance. This is the best way to get the lowest rate for the coverage you need.
Methodology
The rates shown in this article are based on an analysis of more than 300,000 auto insurance quotes obtained from Quadrant Information Services for sample drivers from across Michigan.
Unless otherwise noted, our sample driver is a single 35-year-old. All sample drivers own a 2012 Honda Accord LX that they drive for an average of 13,500 miles per year.
Minimum-coverage rates reflect the cost of policies meeting the minimum liability limits required by the state.
Full-coverage policies include the following coverages, limits and deductibles:
- Bodily injury liability: $100,000 limit per person/$300,000 limit per accident
- Property damage liability: $100,000 limit
- Collision: $500 deductible
- Comprehensive: $500 deductible
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