How to Find the Best Full Coverage Car Insurance in Michigan
Most Michigan drivers will benefit from having full coverage car insurance. Nationwide, Safeco, and Progressive are three of the best companies for Michigan full coverage.
is $189 per month, or $2,272 per year. To increase your chances of finding the best full coverage policy for you at the best price, you’ll want to gather and
Nationwide, Safeco, and Progressive offer some of the best rates on full coverage for most Michigan drivers.
Michigan’s high rate of uninsured drivers makes full coverage worth considering.
Lenders commonly require you to have full coverage for an auto loan or lease.
Most Michigan drivers will benefit from keeping it, but dropping full coverage could be worth it if you drive a low-value car you can afford to replace out of pocket.
How to get the best full coverage car insurance in Michigan
The best way to find the best full coverage car insurance policy in Michigan is to compare multiple quotes—ideally from at least three different car insurance providers.
The table below displays average rates for full coverage from some of the
Methodology: How did we pick these five companies?
We ran the numbers: To identify the five cheapest full coverage car insurance companies in Michigan, Jerry spent more than 200 hours analyzing data from over 25 million real car insurance quotes from over the last year.
Our data analysis showed that the companies listed above had the lowest average rates for full coverage car insurance policies for good drivers in Michigan.
in addition to liability coverage. Together, these additional coverages can cover damage to your vehicle after car accidents, vandalism, theft, severe weather, fire, collisions involving animals, and more.
How much coverage do you need? Insurance experts commonly recommend carrying $100k/$300k of bodily injury liability coverage, $100k of property damage liability coverage, and enough collision and comprehensive insurance to cover the vehicle’s total replacement cost.
The Secret To Finding The Best Full Coverage Auto Insurance Company in Michigan
As convenient as it would be, there’s no single car insurance company that will offer the cheapest rates across the board for everyone.
That’s because your car insurance rate is determined by a multitude of highly personalized factors, including your age, zip code, and driving history. Plus, each insurer has its own set of calculations for determining how each of these factors affect your overall rate.
You should know: While providers in many states factor your credit score into their rate calculations, it's prohibited by Michigan law.
While some Michigan drivers will find the cheapest car insurance coverage from GEICO, USAA, Progressive, or Allstate, others might find deals with Nationwide, Travelers, or State Auto.
This is also why it’s in your best interest to shop around for Michigan car insurance quotes. Jerry can help you take care of this in no time—we partner with 55+ of the nation’s best car insurance companies to help you find and compare options in an instant.
Why most Michigan drivers need full coverage car insurance
could leave them financially vulnerable. Here’s why it may be worth considering additional coverage options, such as comprehensive and collision insurance—to leave you better protected:
Many uninsured drivers: Data from the Insurance Information Institute (III) showed that 25.5% of Michigan drivers were uninsured in 2019—that’s the second highest rate of any state in the country.1
Fatal accident rate: In 2021, Michigan was the site of 1,136 fatal crashes. This resulted in an average of 11.3 deaths per 100,000 people in the state—just shy of the national average of 12.9.2
Natural disasters and severe weather: Cars in Michigan are vulnerable to risks of flooding, tornadoes, hail, and other forms of severe weather.
Increasing auto theft incidents: While Michigan isn’t on the top 10 of the National Insurance Crime Bureau’s 2021 Hot Spots vehicle theft report, Michigan Incident Crime Reporting (MICRP) reported a 13.6% increase in motor vehicle thefts compared to the previous year.3, 4
Auto loan requirements: Beyond the numbers, if you have a car loan or lease, many lenders will require you to have comprehensive and collision coverage on your auto insurance policy for its duration.
. In most cases, it is against the law to drive without it. Policyholders who have Medicare may be able to opt out of PIP medical coverage. More information about PIP coverage level options is available at
If you are injured in a car accident, PIP coverage will help cover your medical expenses and even wage loss if your injuries impact your ability to work.
(UM/UIM coverage) in Michigan is not required, it can be beneficial to add to your policy. UM/UIM coverage could help you cover medical bills if you were injured in an accident and the at-fault driver didn’t have sufficient coverage.
Keep in mind: This coverage won’t pay for damage to your vehicle.
Do you need gap coverage in Michigan?
Guaranteed Asset Protection, also referred to as “gap coverage” isn’t legally required in Michigan, but many car loan lenders will require you to have it.
If you end up in an accident that totals your vehicle, and your car loan balance is more than your vehicle is worth, gap coverage will help cover the difference.
Should you drop full coverage in Michigan?
For most Michigan drivers, it’s not a good idea to drop full coverage unless you’re prepared to pay for any potential damages to your vehicle out of pocket.
You could consider dropping full coverage car insurance in Michigan if:
Your annual premium is more expensive than your car’s value—typically only applies to older vehicles worth $4,000 or less
You can afford to replace your vehicle out of pocket if it’s totaled
You can afford to pay for repairs to your damaged vehicle yourself
Your car loan is paid off and you’re now the sole owner of the vehicle
State minimum coverage costs Michigan drivers an average of $1,999 each year—about 8% less than full coverage. In a worst-case scenario, it could cost you significantly more to go without it.
If you’re struggling to find affordable rates for full coverage car insurance, try the
to increase your chances of finding the cheapest car insurance company for you in Michigan. Jerry is a licensed insurance broker serving more than 4 million policyholders nationwide, and our team of 100+ licensed insurance agents are here to assist you by text or phone when you run into questions.
FAQs
How much is full coverage insurance a month in Michigan?
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Full coverage Michigan auto insurance costs an average of $189 per month, or $2,272 per year. The cost of your own full coverage policy in Michigan will depend on various factors, such as the type of vehicle you drive, your driving record, your ZIP code, your demographics, and the level of coverage and coverage limits you choose.
What is the recommended auto insurance coverage in Michigan?
include $10,000 in property damage liability, $50,000/$100,000 in bodily injury liability, $250,000 per person in personal injury protection, $1,000,000 in property protection insurance, and $50,000/$100,000 in residual liability insurance.
The experts at Jerry recommend at least $100k per person and $300k per accident in bodily injury liability. $50k to $100k in property damage liability will also offer better protection. And of course, you’ll also want enough collision and comprehensive coverage to replace your vehicle if it were to end up totaled.
Beyond this, there are plenty more optional coverage types you can add to your policy, such as roadside assistance, rental car reimbursement coverage, and more.
Is GEICO good in Michigan?
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GEICO tends to be a good provider for many Michigan drivers, but it depends on what you’re looking for in coverage and an insurer.
To decide whether GEICO is a good option for you, you can explore what coverage options you’d like, the car insurance discounts you’d qualify for, and read customer reviews. If you’re ready to compare GEICO with other car insurance options in Michigan, Jerry can help you compare quotes for free..
Why is auto insurance high in Michigan?
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Auto insurance rates are determined based on a variety of factors, including your driving record, insurance history, vehicle type, and the level of coverage you choose.
Beyond individual factors, your car insurance rate may also be affected by factors like your area’s population density, crime rates, number of car accidents, natural disaster risks, and frequency of insurance claims from your provider’s policyholders.
Be sure to shop around for quotes and take advantage of available insurance discounts to score the lowest possible auto insurance rates available to you in Michigan.
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