Car Insurance in Michigan
- How Much is Car Insurance in Michigan?
- Real Quotes for Jerry.ai Customers in Michigan
- The Cheapest Car Insurance in Michigan
- Most Popular Insurance Companies in Michigan
- Cost to Insure Different Cars in Michigan
- Car Insurance Laws in Michigan
- Car Registration Information in Michigan
Looking for car insurance in Michigan? Here you’ll find all the information you need on driving a car in The Great Lakes State, regardless of what kind of car you own, what your budget is, or what kind of driver you are. Whether you live in Detroit or Ann Arbor, Grand Rapids or Macomb — you can read on for the cheapest car insurance, the best car insurance, and the laws you need to know for Michigan car insurance.
How Much is Car Insurance in Michigan?
Why do car insurance quotes differ by state? First of all, each state has different laws around what kind of coverage you need to legally drive. Insurance companies also look at the number of car accidents and thefts in an area, how much people are generally using their car, and how likely an area is to have a natural disaster, among other factors. But while you can’t always control where you live, you can get cheap car insurance by choosing an insurance policy that has the best rates for your needs. If you live in Michigan, here’s what you should know about how much you’ll pay for insurance: On average, drivers in Michigan pay $3,439.69 each year for car insurance. This means drivers in Michigan pay 13% above the average for the rest of the country. But however much you pay, you can use our advice on this page to save money.
What’s Your Rate?
But how do you know what policy is right for you in Michigan? The truth is that insurance companies take many different factors into account when coming up with your quote. They create a profile based not only on where you live in Michigan, but also on your credit score, marital status, the kind of car you own, and much more.
Not only does your profile change what kind of price you’ll get on car insurance, but it also might change the kind of coverage you want! Not all tiers are the same, and it’s important to know what you’re looking for. You could save money on your monthly or yearly insurance premiums by having a higher deductible. But if you do get into an accident or need to file a claim, that choice will cause you to pay more out of pocket.
The best way to make sure you’re always getting the best coverage for the right price is to let us do all the legwork for you. We can compare quotes from over 40 different insurance companies and find you the best rates in 45 seconds — no matter what kind of coverage you’re looking for.
Real Quotes for Jerry.ai Customers in Michigan
| Created | Cars | Customer | Carrier | Monthly premium | Amount saved | Type of coverage |
|---|---|---|---|---|---|---|
| 2021-01-28 |
| 25 year old male | Progressive | $55.33 | $124.67 | Basic |
| 2021-02-03 |
| 44 year old female | Progressive | $180.33 | $52.59 | Preferred |
| 2020-12-01 |
| 37 year old male | Progressive | $68.17 | $45.83 | Basic |
| 2021-02-16 |
| 61 year old female | Safeco | $106.81 | $43.19 | Preferred |
| 2020-12-31 |
| 24 year old female | Safeco | $139.03 | $110.97 | Standard |
The Cheapest Car Insurance in Michigan
Which companies offer cheap car insurance in Michigan? Below, we’ve ranked Michigan car insurance companies based on which ones have, on average, the cheapest car insurance quotes for basic, standard, and preferred coverage levels for different profiles. These are averages to give you a sense of what drivers in your state are paying. But remember — it’s impossible to know what your quotes will be until you start comparing for yourself. That’s why we’re also showing you some real quotes we were able to find for our members recently. If you shop for insurance wisely, you can get a great deal without sacrificing your own safety and protection.
Cheapest Car Insurance in Michigan for Basic Coverage
There’s all kinds of auto insurance you can get in Michigan, depending on what your priorities are. But if your priority is the least expensive premium payments, you’ll want to check out a basic plan. In most states you legally need car insurance to drive. Basic plans ensure that you have the minimum coverage required by Michigan. These are also plans with liability-only coverage. We were able to look at the average price drivers are paying for basic insurance coverage in Michigan, as well as real quotes from actual Jerry.ai customers. You can customize these charts to find rates depending on your driving record, your age, how many cars you drive, you gender, and whether or not you’re a homeowner — all huge factors real insurance companies use in determining rates.
Average Cheapest Car Insurance for Basic Coverage in Michigan
| Rank | Company name | Avg. Annual Premium |
|---|---|---|
| 1 | Nationwide | $928.65 |
| 2 | State Auto | $1,271.91 |
| 3 | Bristol West | $1,370.54 |
| 4 | Safeco | $1,372.64 |
| 5 | Progressive | $1,402.25 |
Real Jerry Quotes for Basic Coverage in Michigan
| Created | Cars | Customer | Carrier | Monthly premium | Amount saved |
|---|---|---|---|---|---|
| 2020-12-07 |
| 25 year old male | Bristol West | $196.58 | $275.42 |
| 2020-12-07 |
| 58 year old female | Bristol West | $97.75 | $107.25 |
| 2021-02-12 |
| 21 year old male | Progressive | $170 | $80 |
| 2020-12-10 |
| 26 year old male | Progressive | $93 | $207 |
| 2021-01-22 |
| 26 year old female | Progressive | $57 | $213 |
Average Cheapest Car Insurance for Standard Plans in Michigan
Most drivers will want more than the basic minimum coverage that Michigan requires — but still don’t want to break the bank. Standard plans offer both collision insurance and comprehensive insurance which gives you more protection than a basic plan. These plans generally offer a $1,000 deductible.
Below you’ll find the average price drivers are paying for standard insurance coverage in Michigan, as well as real quotes from actual Jerry.ai customers. You can customize these charts to find rates depending on your driving record, your age, how many cars you drive, you gender, and whether or not you’re a homeowner. All of these factors can impact premiums, so be sure to take a look at averages and quotes from drivers similar to you!
Average Cheapest Car Insurance for Standard Coverage in Michigan
| Rank | Company name | Avg. Annual Premium |
|---|---|---|
| 1 | State Auto | $1,880.06 |
| 2 | Progressive | $1,887.02 |
| 3 | Safeco | $1,917.02 |
Real Jerry Quotes for Standard Coverage in Michigan
| Created | Cars | Customer | Carrier | Monthly premium | Amount saved |
|---|---|---|---|---|---|
| 2021-01-06 |
| 29 year old male | State Auto | $143.23 | $36.77 |
| 2021-01-12 |
| 24 year old female | Progressive | $453.67 | $346.33 |
| 2021-01-01 |
| 36 year old female | Progressive | $139.33 | $105.67 |
| 2021-01-16 |
| 58 year old male | Progressive | $171.67 | $63.33 |
| 2021-01-18 |
| 23 year old male | Progressive | $401.67 | $198.33 |
Cheapest Car Insurance in Michigan for Preferred Coverage
Preferred coverage protects Michigan drivers the most against any accidents or theft. Like basic plans, you’ll have collision insurance and comprehensive insurance. This is higher end full coverage, generally with $500 deductibles. That means you’ll be paying less out of pocket in the event of a claim. The downside? Your premiums are likely to be higher than what drivers with standard plans are paying. But if you comparison shop, you can still find the preferred insurance policy that’s less expensive.
We were able to look at the average price drivers are paying for preferred insurance coverage in Michigan, as well as real quotes from actual Jerry.ai customers. You can customize these charts to find rates depending on your age, your driving record, whether you’re over or under 25 year old, the number of cars your drive, you gender, and if you own a home — all huge factors real insurance companies use in determining rates.
Average Cheapest Car Insurance for Preferred Coverage in Michigan
| Rank | Company name | Avg. Annual Premium |
|---|---|---|
| 1 | Nationwide | $1,974.08 |
| 2 | Progressive | $1,984.61 |
| 3 | State Auto | $2,029.08 |
| 4 | Safeco | $2,113.78 |
Real Jerry Quotes for Preferred Coverage in Michigan
| Created | Cars | Customer | Carrier | Monthly premium | Amount saved |
|---|---|---|---|---|---|
| 2021-01-17 |
| 58 year old female | Progressive | $313.67 | $186.33 |
| 2021-02-23 |
| 22 year old male | State Auto | $147.55 | $131.45 |
| 2021-02-10 |
| 52 year old female | Progressive | $184.17 | $115.83 |
| 2020-12-09 |
| 36 year old female | Progressive | $235.33 | $64.67 |
| 2020-12-05 |
| 28 year old male | Progressive | $160.67 | $439.33 |
Most Popular Insurance Companies in Michigan
| Insurance company | Average annual premium in Michigan |
|---|---|
| Progressive | $2,226.70 |
| Safeco | $2,660.27 |
| Bristol West | $2,609.28 |
| Nationwide | $1,490.14 |
| State Auto | $2,036.47 |
Cost to Insure Different Cars in Michigan
Auto insurance companies look into several different factors when coming up with their rates. A big one is what state you’re in — which is why it’s so important for Michigan drivers to compare their rates to people in the same state. The car you drive can be a big factor as well. No matter what town, city, or country you live in, certain cars are just going to cost you more in coverage than others. Check out our chart to find out how much different cars cost to insure in Michigan. And you can use our table of real quotes from Jerry.ai customers to see what people just like you are paying.
| Created | Cars | Customer | Carrier | Monthly premium | Amount saved | Type of coverage |
|---|---|---|---|---|---|---|
| 2020-12-11 |
| 36 year old male | Progressive | $116.83 | $83.17 | Basic |
| 2020-11-20 |
| 64 year old male | Progressive | $126 | $16 | Standard |
| 2021-01-16 |
| 44 year old female | Progressive | $77.33 | $103.67 | Basic |
| 2020-12-22 |
| 68 year old female | Progressive | $163.67 | $261.33 | Standard |
| 2021-01-17 |
| 68 year old male | Progressive | $94.33 | $72.67 | Standard |
| 2021-01-10 |
| 24 year old male | Safeco | $66.08 | $183.92 | Standard |
| 2020-12-11 |
| 30 year old male | Progressive | $87.17 | $56.75 | Basic |
Car Insurance Laws in Michigan
With nearly 10 million people living in the state of Michigan, traffic can get extremely bad, especially in places like Detroit, which has some of the [worst traffic in the U.S. And with more than 300,000 car accidents per year in the state, it’s extremely important that drivers have car insurance.
Michigan requires liability insurance minimums to help defer some of the costs that can come from a car accident. For more on the types of insurance you are required to have to drive in Michigan, read on.
What Car Insurance Is Required in Michigan?
Before you can drive a vehicle in Michigan, make sure you have the required amount of liability insurance as mandated by Michigan law. Michigan is considered a no fault state when it comes to car insurance, and it requires drivers to have a minimum amount of Bodily Injury Liability (BIL), Property Damage Liability (PDL), Property Protection Insurance (PPI), and Personal Injury Protection (PIP).
BIL coverage pays for injuries suffered by the other party in an accident that you cause. This includes paying for medical bills and other related medical expenses, as well as funeral expenses, if needed, and lost wages. PDL coverage pays for any property damage caused by your vehicle in an accident you are at fault for in another state, including damage to other vehicles, objects, and buildings.
PPI coverage pays for any property damage to buildings and other non-vehicular property that occurs within the state of Michigan in an accident that you cause. PPI also pays for damage if you hit a parked car, which the state of Michigan considers property as opposed to motor vehicles that are being driven on the road.
PIP coverage pays for any injuries that you suffer in an accident, regardless of whether you are at fault or not, including for medical bills and lost wages. Michigan allows drivers to choose from a variety of PIP coverage options designed to fit their specific needs. You can find the various levels of available PIP insurance below:
- Unlimited coverage: Pays for all medical expenses, as well as lost wages for up to three years.
- $500,000 limited coverage: Also covers lost wages for up to three years.
- $250,000 limited coverage: Also covers lost wages for up to three years.
- $50,000 limited coverage: Also covers lost wages for up to three years.
- No PIP medical coverage: For drivers covered under Medicare Parts A and B. Other residents on the policy must have qualified health insurance or PIP coverage of their own. Also covers lost wages for up to three years.
Uninsured motorist coverage, while not required, is another good auto insurance coverage to have in Michigan. Uninsured motorist coverage will pay for any injuries or property damage you suffer if the at-fault driver does not have insurance. Underinsured motorist coverage will pay for your injuries and property damage if the at-fault driver has an inadequate amount of liability insurance.
Can You Drive a Car without Insurance in Michigan?
Driving without the required amount of liability insurance in Michigan is against the law. You must also be able to show proof of insurance if you are pulled over by law enforcement or are in an accident. Failure to have the required amount of insurance will result in various fines and penalties.
If you’re caught driving without proof of insurance you will have to pay a driver responsibility fee of $200 for two years, for a total of $400. You can also have your license suspended for 30 days and end up in jail for up to one year. You will also have to pay a $25 reinstatement fee before you can get your driver’s license back.
Driving without insurance is even worse, carrying a fine of $500 for two years, for a total of $1,000. You will also have your license suspended for 30 days and have to pay $125 to get it back. You could also have to spend up to one year in jail.
If you’re in an accident while driving without insurance and have received a Financial Responsibility Judgement against you, then you will also need to file for an SR-22 certificate with your insurance company, which you must keep on file for three years. An SR-22 certificate places you in a higher-risk category and will mean higher insurance premiums as long as you have it on file.
What Are the Minimum Car Insurance Requirements in Michigan?
Michigan requires drivers to have a certain amount of liability insurance before they can drive. This is to pay for any injuries or property damage suffered in an accident that they cause.
Minimum Insurance Requirements in Michigan
- Bodily injury/per person/per accident: $50,000
- Bodily injury/per accident: $100,000
- Property damage liability: $10,000
- Property protection insurance: $1,000,000
- Personal injury protection: Varies ($50,000 minimum if not enrolled in Medicare Parts A and B)
Car Registration Information in Michigan
While having the required minimum amount of insurance in Michigan is important, you must also make sure to register your vehicle as well. Residents of Michigan have 15 days to register a vehicle once they buy one. There is no grace period for new residents in Michigan to register their vehicle. New residents must visit a local Secretary of State office to apply as soon as they move to Michigan to register their vehicle.
Once you have registered your vehicle in Michigan, you will receive a license plate for the rear of your vehicle. The license plate has a decal in the upper right showing the month and year your registration needs to be renewed by.
The initial registration fee for a vehicle in Michigan depends on the vehicle’s base price, which is based on the vehicle’s make, model, and year, according to the Secretary of State website. You must also pay any applicable fees and taxes when registering or renewing your vehicle’s registration.
When registering your vehicle in Michigan, you can do so in one of four ways: in-person, online, through the mail, or at a self-service station. When registering your vehicle for the first time, you will need to visit your local Secretary of State branch office and must schedule an appointment to do so.
To register your vehicle in Michigan, you need to have the following paperwork:
- Michigan driver’s license
- Vehicle registration (if transferring the vehicle from another state/contains the Vehicle Identification Number (VIN))
- Proof of car insurance
- Certificate of title (if you own the vehicle/must include the current odometer reading)