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.
- Travelers has the cheapest car insurance rates in Michigan for full coverage at $113 a month among the companies analyzed by the team of CarInsurance.com.
- In Michigan, drivers with clean driving records pay 61% less than drivers with a DUI.
- The city of Grand Haven has the lowest auto insurance rates in Michigan, with an average premium of $1,868 per year.
- You can save up to 40% per year on your car insurance policy in Michigan by comparing price quotes from multiple insurers.
Which company offers the cheapest car insurance in Michigan?
Based on data analysis by CarInsurance.com, Travelers provides the cheapest full coverage auto insurance rates for Michigan drivers at a monthly rate of $113 or $1,355 a year.
A full coverage policy includes liability insurance, which is required by law in most states and optional coverage such as comprehensive and collision insurance, which typically have a deductible.
The below table shows the cheapest quotes in Michigan by different insurance carriers for a full coverage policy.
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.
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Who pays a lower insurance premium in Michigan?
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 Michigan companies for different coverage levels
It’s no secret that car insurance quotes vary drastically from person to person and from company to company. Your car insurance premiums will also vary depending on the coverage level you choose, your driving history and other factors.
In addition to full coverage, there are also liability-only and state minimum policies. Unlike full coverage, liability-only and state minimum policies only cover damage to another driver’s bodily injury and property damage in the event of 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 coverage of up to $100,000 per person for medical bills with a $300,000 cap per accident, as well as up to $100,000 for property damage.
Cheapest state minimum coverage in Michigan
State laws require all drivers to maintain a minimum level of car insurance coverage, also known as the state’s minimum coverage requirements. In Michigan, you must have at least the following insurance coverage on your car.
| 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 Michigan insurance companies for liability-only coverage
If you cause an accident, your liability insurance will pay for the medical bills and property damage of others involved, up to the policy limits.
Here are the average annual rates for liability insurance coverage from major carriers in Michigan, ranked in the order of the cheapest to the most expensive. The coverage limits for these rates are $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.
When it comes to car insurance, it’s important to have coverage that fits your income, assets and risk profile. If you’re financing your vehicle, your lender will likely require you to purchase a full coverage auto insurance policy.
The table below shows the average annual rates from major insurance providers in Michigan, listed by cost, for a full coverage policy of $100,000 for bodily injury per person, $300,000 for bodily injury per accident and $100,000 for property damage, with comprehensive and collision coverage and a $500 deductible.
| 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
In Michigan, driving history significantly impacts car insurance costs. Insurance companies use this information to evaluate the risk of insuring a driver. Drivers with clean records pose less risk, leading to lower premiums.
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 have a speeding ticket on your Michigan driving record and you are looking for cheap car insurance, Progressive offers the cheapest full-coverage auto insurance for drivers with a speeding ticket, with an average rate of $2,387 per year.
| 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.
If you have a clean record, you are likely to pay 61% less for car insurance than someone with a 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
Progressive is the cheapest car insurance company for drivers with a history of at-fault accidents with an annual premium of $2,618 .
Automobile Club of MI (AAA) is the second most affordable option, providing full-coverage car insurance with 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.
Cheapest car insurance rates by state
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Our apologies, we cannot display the data due to availability or spelling errors. Please check the spelling and try again. For assistance, reach out us via Michigan cities with the lowest auto insurance rates
Where you live significantly impacts your car insurance cost. Insurance companies consider the number and cost of claims in your area to determine the risk of insuring vehicles. Areas with higher accident risks or theft rates tend to have higher premiums to compensate for the increased risk.
Grand Haven is the city with the lowest premiums in Michigan at an annual auto insurance rate of $1,868 .
Insurance providers rely on statistical data regarding thefts, collisions and vandalism to analyze the likelihood of such incidents occurring in a particular area. Besides driving history, your car model and age play a significant role in determining your insurance 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 auto insurance in Michigan?
By comparing car insurance quotes, you can save an average of 40% per year for a full coverage policy in Michigan.
How much money you save depends on factors specific to you but compare quotes and ensure you’re getting exactly what you need at a good 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 |
Final thoughts 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 understand that finding affordable car insurance is important, but it’s also crucial to ensure you have enough coverage for adequate financial protection.
To get cheap car insurance in Michigan, first, figure out what coverage you need. Then, compare prices from different companies. Look for discounts and try to keep your driving record clean. Even if you’ve had tickets or accidents, you might still find a company that offers you a good deal.
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.
Ask the Insurance Expert
Laura Longero
Executive Editor
Laura Longero is an insurance expert and Executive Editor at CarInsurance.com, where she specializes in helping consumers navigate the complexities of the financial and insurance industries. She has 15 years of experience educating people about finance and car insurance. Prior to joining CarInsurance.com, she worked as a reporter and editor at the USA Today Network. Her expertise provides readers with practical guidance, helping them make informed choices about their financial and insurance needs.
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John McCormick
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John is the editorial director for CarInsurance.com, Insurance.com and Insure.com. Before joining QuinStreet, John was a deputy editor at The Wall Street Journal and had been an editor and reporter at a number of other media outlets where he covered insurance, personal finance, and technology.
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Leslie Kasperowicz
Executive Editor
Leslie Kasperowicz is an insurance educator and content creation professional with nearly two decades of experience first directly in the insurance industry at Farmers Insurance and then as a writer, researcher, and educator for insurance shoppers writing for sites like ExpertInsuranceReviews.com and InsuranceHotline.com and managing content, now at CarInsurance.com.
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Nupur Gambhir
Managing Editor
Nupur Gambhir is a content editor and licensed life, health, and disability insurance expert. She has extensive experience bringing brands to life and has built award-nominated campaigns for travel and tech. Her insurance expertise has been featured in Bloomberg News, Forbes Advisor, CNET, Fortune, Slate, Real Simple, Lifehacker, The Financial Gym, and the end-of-life planning service.
Guide to car insurance (with rates) in cities of Michigan