Car Insurance in Michigan
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- Looking for cheap car insurance in Michigan?
- How much does car insurance cost in Michigan?
- Top auto insurance providers in Michigan
- What car insurance do you need in Michigan?
- How is your cost of car insurance determined in Michigan?
- How to save money on car insurance in Michigan
- Registering your car in Michigan
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Looking for cheap car insurance in Michigan?
Car insurance rates in Michigan tend to be some of the highest in the country, due mainly to its no-fault status, above-average minimum insurance requirements, high percentage of uninsured drivers, and dangerous winter road conditions.
Where you live is just one factor (albeit a big one!) that goes into calculating your car insurance premium. But whether you’re in Grand Rapids, Rochester Hills, or the Motor City itself, Jerry can help you find affordable rates quickly.
Jerry is a comparison shopping app and licensed broker that helps you secure great prices on the insurance coverage you need. All you need to do is sign up and answer a few questions. Then, Jerry finds you competitive quotes from more than 50 insurance companies and handles everything to finalize your new policy.
Sounds too good to be true? Take a look at these quotes from Jerry customers in Michigan:
| Quote Date | Car | City | Name | Age | Carrier | Before Jerry | After Jerry |
|---|---|---|---|---|---|---|---|
| May 5, 2022 | Gmc Terrain SLE | Grand Rapids | Tyler G. | 34 | Safeco | $148/mo. | $63/mo. |
| May 6, 2022 | Dodge Grand Caravan SXT | Jackson | Carrie N. | 33 | Bristol West | $129/mo. | $70/mo. |
| April 30, 2022 | Honda Accord Sport Special Edition | Holly | Trevor M. | 30 | Bristol West | $125/mo. | $88/mo. |
| May 4, 2022 | Dodge Grand Caravan SE | Norton Shores | Barbara H. | 37 | Bristol West | $156/mo. | $126/mo. |
| April 27, 2022 | Honda Accord LX | Kalamazoo | Lester R. | 22 | Bristol West | $300/mo. | $222/mo. |
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How much does car insurance cost in Michigan?
The average cost of basic liability car insurance in Michigan is $2,101 per year. If you opt for full-coverage car insurance in Michigan, you’ll be looking at an average cost of $2,202 per year.
How does the annual cost in Michigan compare to the rest of the country?
In comparison, across the country it costs an average of $1,626 per year for basic liability car insurance and $2,298 per year for full-coverage car insurance.
Here are some of the factors that increase Michigan’s insurance rates
- Highest minimum insurance requirements in the country
- No-fault state that requires personal injury protection with high limits
- High percentage of uninsured drivers
Here’s how Michigan’s insurance savings with Jerry stack up against nationwide averages:
All Coverage Before Jerry | All Coverage After Jerry | Minimum Coverage Before Jerry | Minimum Coverage After Jerry | Full Coverage Before Jerry | Full Coverage After Jerry | |
|---|---|---|---|---|---|---|
| MI | $2,656 | $1,812 | $2,699 | $1,690 | $2,874 | $2,267 |
| National Average | $2,436 | $1,660 | $2,296 | $1,376 | $2,654 | $1,962 |
| MI | National Average | |
All Coverage Before Jerry | $2,656 | $2,436 |
All Coverage After Jerry | $1,812 | $1,660 |
Minimum Coverage Before Jerry | $2,699 | $2,296 |
Minimum Coverage After Jerry | $1,690 | $1,376 |
Full Coverage Before Jerry | $2,874 | $2,654 |
Full Coverage After Jerry | $2,267 | $1,962 |
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Top auto insurance providers in Michigan
There’s no shortage of auto insurance companies in Michigan to choose from, including some of the biggest names in the country like State Farm, Allstate, and Progressive.
Of course, choosing one requires a bit of work on your part.
Every insurance company has a proprietary formula for calculating insurance rates. This means that if you get quotes from four different companies, you’ll likely end up with four completely different rates—even for the same coverage.
Factors like your age, driving record, and location have a big impact on your rate. But the car you drive also matters.
If you’re insuring a Mercedes, you’re going to pay more for full-coverage insurance than you would for a Honda Civic because expensive cars cost more to insure.
Here’s just a little sample of the amazing savings that Jerry customers have found with some popular carries in Michigan:
| Insurance Company | Average Cost | Annual Savings with Jerry | |
|---|---|---|---|
| Clearcover | $3,197 | $1,420 | Compare Prices |
| Travelers | $2,874 | $1,419 | Compare Prices |
| National General | $3,084 | $1,099 | Compare Prices |
| Nationwide | $2,743 | $1,099 | Compare Prices |
| Safeco | $2,887 | $964 | Compare Prices |
| State Auto | $2,956 | $959 | Compare Prices |
| Dairyland | $3,556 | $947 | Compare Prices |
| Kemper | $1,265 | $344 | Compare Prices |
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What car insurance do you need in Michigan?
Almost every state has minimum insurance requirements that you must meet to legally get behind the wheel. In Michigan, you need at least the following:
| Coverage | Amount | Description |
|---|---|---|
| Bodily injury liability | $50,000 per person / $100,000 per accident | Covers the costs associated with injuries you cause to others |
| Property damage liability | $15,000 per accident | Covers the costs associated with damage you cause to other people’s vehicles or property |
| [Property protection] | $1,000,000 | Covers the cost of damage to tangible property that results from a car accident |
| Personal injury protection | Varies ($50,000 min. If not enrolled in Medicare Parts A & B) | Covers medical expenses, lost wages, and rehabilitation costs after an accident |
If you drive without securing the minimum required coverage, you’ll face a misdemeanor with penalties that include:
- Fine of $200 to $500
- Up to one year in jail
- Driver’s license suspension + reinstatement fee of $125
- Restriction of car registration privileges
- Financial liability in the event of an accident
But while the minimum coverage is required, it’s usually a good idea to purchase as much insurance as you can afford. Here are some options to consider:
| Coverage | Description |
|---|---|
| Collision insurance | Covers damages that are the result of a collision with a vehicle or stationary object |
| Comprehensive insurance | Covers damages that aren’t the result of a collision, such as vandalism, theft, or a natural disaster |
| Uninsured motorist coverage | Reimburses you for your expenses from an accident caused by an uninsured driver |
Whether you’re looking for the bare minimum or the ultimate protection, Jerry can help.
Jerry is the super app that helps you save time and money on your car expenses, including insurance. Jerry does all the hard work of finding the cheapest quotes from name-brand insurance companies and finalizing your new car insurance. Jerry will even help you cancel your old policy!
So, now that you know what type of insurance you need, let’s look at what will impact the cost.
How is your cost of car insurance determined in Michigan?
There are lots of different factors that impact your final car insurance rate, including your age, driving record, zip code, and vehicle.
Cost to insure your car in Michigan by age
Age is a significant factor for insurance companies. Young drivers have less experience and are statistically more likely to engage in riskier driving behavior. For this reason, insurance premiums tend to be high.
What young drivers in Michigan need to know
- Michigan’s graduated licensing system helps teach young drivers how to drive by gradually increasing driving privileges through three licensing levels
- State-approved defensive driving courses can help secure lower rates for drivers who lack experience
- Maintaining a good average can qualify student drivers for a good student discount
While most young drivers are unlikely to find rates as low as their parents, shopping around and maintaining a clean driving record can help get something affordable.
Whether you’re 18 or 68, comparison shopping with Jerry is the easiest way to find great insurance prices. Here are the average rates for drivers by age:
| Age Group | Average Cost | Annual Savings with Jerry |
|---|---|---|
| 18-20 | $2,630 | $826 |
| 21-24 | $2,857 | $1,026 |
| 25-34 | $2,600 | $920 |
| 35-44 | $2,459 | $835 |
| 45-54 | $2,610 | $931 |
| 55-64 | $2,344 | $839 |
| 65+ | $2,110 | $887 |
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Cost to insure your car in Michigan with a poor driving record
Maintaining a clean driving record is key to getting consistently low insurance rates. If you’ve been involved in an accident, received a speeding ticket, or been convicted of a serious offense like reckless driving, expect to pay more for your Michigan car insurance.
It all boils down to risk. When insurance companies see you as riskier to insure, you’ll pay more for your premium—often for several years.
But don’t despair, with Jerry, you can save money on your car insurance even with a violation on your record. Here are some of the amazing savings we found for drivers with spotty records:
| Driving Violation | Average Cost | Annual Savings with Jerry |
|---|---|---|
| Clean Record | $2,874 | $898 |
| Illegal Turn | $4,691 | $1,631 |
| Driving on Sus. License | $4,288 | $1,594 |
| Speeding over 15 | $3,222 | $1,326 |
| Suspension | $3,420 | $1,258 |
| Careless Driving | $4,725 | $1,253 |
| Failure to Obey Traffic Sign | $3,775 | $1,182 |
| Speeding under 15 | $3,554 | $1,103 |
| Improper Passing | $3,054 | $972 |
| DUI | $3,443 | $942 |
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Cost to insure your car in Michigan based on where you live
Michigan has over 7.2 million licensed drivers—but a whopping 20% of them don’t carry even the minimum required insurance coverage. And the state’s unique no-fault insurance system means that rates tend to be high across the state.
That said, premiums do vary depending on where in Michigan you live. Drivers in urban areas pay more since rates of accidents, thefts, and claims are often higher. That means that densely populated cities like Detroit and Grand Rapids will have higher rates than more sparsely populated areas.
Jerry’s found some great rates for drivers in some of the biggest cities in Michigan. Check them out:
| City | Average Cost | Annual Savings with Jerry |
|---|---|---|
| Ann Arbor | $2,832 | $1,224 |
| Battle Creek | $2,629 | $956 |
| Detroit | $3,090 | $885 |
East Lansing | $2,147 | $748 |
| Grand Rapids | $2,561 | $953 |
| Kalamazoo | $2,336 | $738 |
| Lansing | $2,704 | $1,036 |
| Saginaw | $2,424 | $930 |
| Westland | $2,800 | $911 |
| Ypsilanti | $2,749 | $866 |
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Cost to insure your car in Michigan based on the type of car you drive
Your vehicle also impacts your car insurance rates. Insuring a popular, mid-range vehicle like the best-selling Ford F-150 light-duty pickup truck should make it fairly easy to find affordable coverage.
Relatively inexpensive cars typically have lower insurance rates because they cost less to repair or replace if you’re in an accident. You’ll pay even less if you don’t drive very often, since this minimizes your risk of a claim.
If your ride is something a little fancier, like a Porsche 911 Carrera or Range Rover, expect to pay substantially more for your insurance.
Here’s what it costs to insure some popular makes and models with and without Jerry:
| Car | Average Cost | Annual Savings with Jerry |
|---|---|---|
| Chevrolet Equinox LT | $2,790 | $2,216 |
| Ford Fusion SE | $2,431 | $2,110 |
| Dodge Journey SXT | $2,323 | $1,981 |
| Jeep Grand Cherokee Laredo | $2,639 | $1,976 |
| Nissan Rogue S | $1,665 | $1,160 |
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How to save money on car insurance in Michigan
While Michigan’s insurance rates might be pricier than average, that doesn’t mean you can’t bring them down a bit. Here are the best ways to do that.
Shop around for quotes
Comparison shopping is the best way to find savings without sacrificing protection. And while comparing rates from multiple companies might sound monotonous and time-consuming, Jerry makes it simple.
Jerry is the super app that helps you save time and money on your car expenses, including insurance. All you need to do is sign up and answer a few simple questions. Then, Jerry gets to work collecting quotes and helping you finalize your preferred policy—all in just minutes!
The average Jerry user saves $879 per year!
Look for discounts
Virtually every company offers discounts—and many let you stack discounts for even bigger savings. Here are some of the most popular discounts in Michigan:
| Discount | Who is eligible? |
|---|---|
| Good driver discounts | Good driver discounts are for Texas drivers who have had a valid driver’s license for the past three consecutive years, have no more than one point on their driving record, and have no serious driving-related convictions. This discount is mandated by state law and saves drivers 20% on their car insurance premium. |
| Bundling discounts | Insuring multiple products (like auto and home) with the same company is an easy way to get a bundling discount, which can result in savings of around 18%. |
| Billing discounts | Opting to pay in full upfront or set up automatic monthly payments can result in a discount of up to 25% on the annual premium. |
| Anti-theft discount | Vehicles in Michigan that are equipped with an anti-theft device may be eligible for a discount on comprehensive coverage. |
| Continuous coverage discounts | Many insurance companies offer discounted rates—often 5% to 25%—to policyholders who have been continuously insured for 6 months or more. |
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Increase your deductible
Your deductible is the amount you have to pay for a claim before your insurance kicks in to cover the rest. Increasing your deductible will lower your premium—and it might make sense for you to do that.
Before you inquire about raising your deductible, do a quick financial check to figure out if you can afford to pay the deductible in full each time you have to make a claim.
Registering your car in Michigan
Here’s what you’ll need to register your car in Michigan:
- Valid driver’s license or ID card
- Proof of insurance
- Proof of sales tax payment
- Car title or signed lease agreement
You can complete the process at the DMV, while renewals can be done at your local self-service station, online, or by mail.
In Michigan, you’re required to renew your vehicle registration annually. Fees vary depending on your vehicle type and weight.
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