Cheapest Insurance in Michigan 2021
- Find cheapest car insurance Michigan
- Best insurance companies
- Minimum coverage
- Additional coverage
- Minimum coverage carriers
- Full coverage
- Full coverage carriers
- Cost by age
- Poor driving record insurance
- Carriers for poor driving record
- Young drivers poor driving record insurance
- Young drivers carriers for poor driving record
- Cost by car make
- Cost by city
- Lower costs
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.
Find the cheapest car insurance in Michigan with Jerry
Insurance rates vary depending on many factors, including your personal profile, driving history, and vehicle. Living in Michigan means that your insurance premium will likely be higher than if you were living in another state, but shopping around can net you some great savings.
Here’s how much Jerry customers were paying for car insurance in Michigan before they compared quotes and switched plans with Jerry:
Best insurance companies for cheap insurance in Michigan with Jerry
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
|Risk factor||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:
Cheapest full coverage car insurance in Michigan
While the minimum insurance coverages are what’s required by law, it’s always a good idea to purchase additional coverage if you can afford it.
Although full coverage costs more upfront, purchasing more coverage can protect you from the financial burden of an expensive accident—which means it could end up costing less in the long run.
Full coverage car insurance policies generally include:
If you decide that full coverage insurance is the best option for you, Jerry can help you save there, too. Here’s what Jerry users pay:
Best carriers for full coverage car insurance in Michigan
Insurance premiums vary depending on my factors, so you’ll find that different providers have different rates. To find the most affordable full coverage insurance, you’ll need to shop around.
Here’s how much Jerry customers pay for full coverage car insurance 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.
|Speeding over 15||$3,421||$2,110|
|Wrong Way/Wrong Lane||$2,646||$2,265|
|Speeding under 15||$3,584||$2,296|
|Leaving scene of an Accident/Hit and Run||$2,820||$2,340|
|Failure to Obey Traffic Sign||$4,134||$2,671|
|Driving on Sus. License||$5,607||$3,042|
Best carriers for drivers with infractions in Michigan
Cost of insurance for young drivers in Michigan with a bad driving record
Young drivers with less-than-stellar driving records have “double-trouble” insurability status, which can make finding affordable rates extremely difficult.
In Michigan, young drivers who receive violations during their graduated licensing period may face fines or license suspensions. They may also face delays in moving to the next license level.
Jerry can help young drivers with prior incidents find the right coverage for the best price.
If you’re looking for the most affordable insurance for a young driver with a not-so-great driving record in Michigan, check out these top carriers.
Best carriers for young drivers with infractions in Michigan
Young drivers and drivers with infractions on their records always pay more for insurance, but comparing rates from various providers can help find the most affordable premiums.
Types of discounts that might be available to you in Michigan
Never underestimate a good discount! If you want to find cheap car insurance quotes, be sure to take advantage of any car insurance discounts that are provided by insurance companies in Michigan.
Here are some to keep an eye out for:
- Customer loyalty (e.g., bundling, early renewal)
- Demographic (e.g., good student, senior)
- Driver affiliations (e.g., military, affinity)
- Driving history (e.g., accident-free, safe driver)
- Driver training (e.g., defensive driver course)
- Equipment-related (e.g., anti-theft, new car)
- Payment (e.g., auto-pay, paperless)
Michigan insurers have a range of discounts to offer policyholders, but you may need to ask about them to find out whether you qualify.
|Discount type||Who is eligible?|
|Good driving discount||If the drivers covered by the policy have a clean history with no moving violations, at-fault accidents, or claims, savings could add up to as much as 30%.|
|Good student discount||Policies with full-time students under the age of 25 may receive a discount of up to 20% off premiums as long as the student maintains at least a B average.|
|Bundle discount||Insuring more products with the same insurance company can lead to savings of up to 12% or so on each policy.|
|Anti-theft discount||Vehicles in Michigan that are equipped with an anti-theft device may be eligible for a discount on comprehensive coverage.|
If you’re not sure which discounts might apply to you, worry not. Jerry can help you determine which discounts you qualify for, and it will automatically include them in real-time quote comparisons.
While discounts aren’t always actively promoted, most drivers qualify for something so it’s worth asking your insurance company about.
How much does it cost to insure my car make in Michigan?
If you’re a Michigan driver and you’re looking to save on car insurance, the type of car you own matters.
Generally speaking, relatively inexpensive cars are typically the cheapest to insure since they cost less to repair in the event of an accident.
If you drive fewer miles, you may also pay less for insurance because you’re less likely to get into an accident.
Here’s what it costs to insure some popular car makes and models with and without Jerry:
Cheapest car insurance in Michigan by city
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.
Additional ways to lower your car insurance
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.
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Frequently asked questions
How much does it cost to use Jerry?
Jerry's services are 100% free of charge. There are no hidden fees and no surprise add-ons at the last minute.
What kind of insurance can Jerry help with?
Jerry currently shops for car, home, renters, and umbrella insurance.
Which insurance companies will I get quotes from?
Jerry shops with up to 45 insurance companies. These include Progressive, Nationwide, Travelers, Mapfre, National General, Mercury, AAA and others. If you want Jerry to shop at any specific companies, just let him know. You can email the member service team at firstname.lastname@example.org or call 1-833-445-3779 (M-F 8am-5pm PT).
Does Jerry mark up the quotes from the insurance companies?
No. Jerry does not mark up the price. The quotes we send to you are the same as those you’d get if you’d shopped yourself.
Will Jerry sell my personal information? Will I be bombarded with phone calls and emails?
Absolutely not. Jerry takes your privacy very seriously. Jerry doesn’t even ask you for your email until you’re ready to switch your insurance to a new company. Jerry does not sell or share your contact information with any external companies. You will not be getting any phone calls or emails. All the communication happens through the mobile app. If you need help, you can request a call from one of our in-house licensed agents, but we don’t call to sell you insurance.
Do I have to wait until my current insurance policy is up for renewal before I can switch?
No, you don’t need to wait until you receive a renewal notice from your current provider. You can switch insurance policies anytime. By law, insurance companies must return any unused premium you have already paid for your policy. A few insurance companies may charge a small cancellation fee if you cancel before the end of the policy. Jerry will let you know the cancellation fee before you decide to switch the policy.
Is Jerry a licensed insurance agent?
Yes, Jerry Insurance Agency (license number 0M34848) is a licensed insurance broker, registered in the state of California. Jerry carries a $1m professional liability policy for your peace of mind.
How is Jerry better than my local agents or the online price shopping sites?
1. Jerry provides quotes from up to 45 insurance companies. Most online price comparison sites (and your local agent) will only provide quotes from a few insurance companies (usually the top 5 or 6 companies, and a handful of smaller brands) with whom they have contracts. You’re more likely to save money with Jerry because we work with top insurance companies.
2. Jerry’s mobile app makes managing your insurance policy a breeze. You can ask questions, upload documents, request changes, and much more. No more phone calls or emails back and forth.
3. With Jerry, you never have to think about insurance shopping again. Jerry will automatically shop you before your renewal date and send you quotes through the mobile app.
Will Jerry change my policy without my approval?
Absolutely not. Jerry will not make any changes to either your existing or your new policy without your approval. Jerry will shop for you before your policy renewal date and show you all your options in the app — it’s up to you to decide if you want to change your policy or not. If you ask Jerry to move forward with a quote you like, only then Jerry will do the paperwork to switch your policy.
Will having Jerry shop for quotes affect my credit score or current insurance rate?
No. Frequent shopping for car insurance quotes does not have an impact on your credit score or the cost of your insurance. In the state of California, a credit check is not required for getting quotes. In other states, insurance companies may run a credit check but it’s a “soft pull,” or fact check, of your credit, as opposed to a “hard pull,” which typically occurs when you apply for credit. Soft pulls, which are used for comparing car insurance rates, do not affect your credit score or rating, no matter how many quotes are obtained.
How can I contact customer service?
You can email the member service team at email@example.com or call 1-833-445-3779 (M-F 8am-5pm PT).