Michigan regularly tops the list for the most expensive state in the US to purchase car insurance, but it doesn’t mean that there aren’t affordable rates to be found. If you want to find a deal, use a comparison app to view rates from multiple providers.
Each insurer uses its own formula to determine premiums, weighing factors such as location, age, gender, driving history, and vehicle type. This means that car insurance rates can vary substantially from one insurance company to another.
Jerry offers a quick and convenient way to compare quotes and switch plans. Want to give it a try? Enter your ZIP code to get cheap car insurance quotes from the best insurance companies in Michigan. And if you want to learn more about car insurance rates in Michigan keep reading.
Using a comparison app to view quotes from multiple providers is the best way to find cheap car insurance in Michigan.
Cheapest minimum coverage car insurance in Michigan
The minimum required insurance coverage varies depending on your state laws. In Michigan, all drivers must have at least the following:
$20,000 bodily injury liability per person
$40,000 bodily injury liability per accident
$10,000 property damage liability per accident
Michigan is a no-fault state and also requires drivers to carry personal injury protection (PIP) insurance. This coverage pays for all necessary medical expenses with no maximum limit if you’re hurt in a car accident. Drivers who are not enrolled in Medicare Parts A & B must have at least $50,000 in PIP coverage.
Remember, the minimum insurance coverage is a requirement, not a recommendation. In some cases, minimum liability car insurance won’t cover all your expenses in the event of an accident. If you can afford to pay for more coverage, it’s generally a good idea to purchase a more comprehensive policy.
Here’s how much Jerry users pay for minimum liability car insurance in Michigan:
Additional coverages you might want to consider when shopping for car insurance in Michigan
Coverage to consider
High percentage of uninsured drivers
Uninsured/underinsured motorist protection offers coverage if an uninsured or underinsured motorist seriously injures you or a member of your household.
Severe winter storms
Comprehensive insurance covers your vehicle if it is stolen or damaged by a falling object, animal, vandals, or weather event.
Icy winter roads
Collision insurance can be especially helpful during winter driving, when collision potential is at its highest. It covers physical damage to your car in the event of a collision.
Minimum liability insurance is all you need to legally drive in Michigan, but purchasing additional coverage is a good idea if you can afford it.
Best carriers for minimum coverage car insurance in Michigan
Driving without the minimum at-fault insurance in Michigan is illegal and a serious offense. If you’re caught, you may be fined up to $500 and could even face imprisonment.
Beyond that, you could also be sued and held personally liable in the event of an accident. You may be responsible for lawyer and court costs, plus you would not be eligible to receive payment for medical expenses, wage loss, loss of services, and other no-fault benefits.
The financial risk is too great when there is affordable minimum liability insurance available.
Here’s how much Jerry customers pay for minimum liability coverage with various carriers in Michigan:
As a no-fault state, Michigan requires drivers to have minimum liability insurance and personal injury protection (PIP)—but securing additional coverage is always a good idea to protect yourself and your vehicle in the event of an accident.
Cost to insure your car in Michigan by age
Insurers value driving experience. The younger you are, the less experience you have—and this will likely be reflected in higher insurance premiums.
Michigan has a graduated licensing program for young drivers to help promote safer habits on the road. Even still, statistics still show that underage drivers are more likely to be in an accident than experienced ones.
If you’re a young driver, don’t despair. While you’re unlikely to enjoy the same low rates as your parents, you can still get cheap car insurance quotes by shopping around and maintaining a clean driving record.
No matter your age, quote shopping with Jerry is a good place to start. Here are the prices Jerry offers drivers by age:
Cost of insurance for drivers in Michigan with a bad driving record
Drivers who have gotten into an accident, received a speeding ticket, or have been convicted of a DUI often pay higher car insurance rates.
Under Michigan law, tickets remain on your driving record for at least seven years, depending on your license type and the specifics of the violation. Infractions related to alcohol and controlled substances remain on your record for life.
The good news is Jerry can help you find a competitive and cheap car insurance policy even if your driving record isn’t squeaky clean.
Just as car insurance rates vary by state, they can also vary by city and ZIP code. Drivers in cities tend to pay more than drivers in rural areas because urban centers have higher rates of accidents, thefts, and claims.
Michigan rates are the highest in the country due to a few key factors. The unique, no-fault insurance system in the state is one of the biggest.
Michigan requires that all drivers purchase personal injury protection (PIP) insurance. In fact, it’s illegal to drive without it. This mandatory purchase bumps of the cost of minimum insurance by quite a bit and affects premiums all over the state.
Perhaps due to the high rates, Michigan also has a huge percentage of uninsured or underinsured drivers (about 20%!) and high rates of insurance fraud. These risks are passed on to insured drivers through higher premiums.
To get cheap car insurance, you may want to consider raising your deductible. When you file a claim, the deductible is the amount of money you have to pay out of pocket before your car insurance kicks in to cover the remaining balance. If you increase your deductible, this could lower your premium — but be aware that this means you’ll incur higher initial out-of-pocket costs in the event of an accident.
It’s also a good idea to update your car insurance to reflect any major life changes that have occurred since you received your last auto insurance quote. For example, if you’ve gotten married, you may be offered lower rates because married people are perceived to be safer drivers. Or if you’ve moved to a rural area, you may qualify for reduced rates because you’re less likely to get in an accident and file a claim.
It can be hard to keep track of your car insurance renewals while also juggling your own daily obligations. That’s why Jerry reassesses your premium every six months. At each renewal period, Jerry can help you make any relevant updates and ensure you get the lowest possible price for your coverage.
Get the lowest rate possible by choosing a vehicle with good safety ratings, driving safely, qualifying for discounts, and comparing rates with a smart tool like Jerry.
Want to find out if you’re overpaying? Let Jerry do the work for you.
Unless otherwise specified, these estimates are based on drivers older than 30 who have good driving records. These are real people who have signed up with Jerry in the last six months.