WHY YOU CAN TRUST JERRY
Jerry partners with more than 50 insurance companies, but our content is independently researched, written, and fact-checked by our team of editors and agents. We aren’t paid for reviews or other content.
By R.E. Fulton
Updated on Oct 4, 2022
Reviewed by Kathleen Flear, Director of Content.
Best car insurance companies in Michigan
Compare Best Car Insurance Quotes in Michigan
Why is Michigan car insurance so expensive?
Cheap car insurance with a DUI or speeding ticket in Michigan
Michigan auto insurance rates by age
Average cost of car insurance in Michigan by city
Michigan car insurance rates by model
What are the car insurance requirements in Michigan?
How to save money on car insurance in Michigan
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The average cost of basic liability car insurance in Michigan is $3,081 per year. Opting for full-coverage car insurance in Michigan will leave you with an average cost of $3,277 per year. In comparison, the national average is $1,627 per year to buy basic liability car insurance and $2,297 per year to buy full-coverage car insurance.
Best car insurance companies in Michigan
Michigan car insurance costs are the highest in the nation, which makes finding the best company for you a priority.
There are plenty of auto insurance companies offering reliable coverage to Michigan drivers. GEICO, Progressive, and USAA are among the most popular, but you can also find competitive rates with companies like Allstate or Travelers.
But no single company has the lowest car insurance premiums for every driver. That’s because each company uses a different methodology to set your rate—and they’ll weigh factors like credit score, driving record, and insurance claims history a little differently. The best company for a driver with good credit and two speeding tickets is probably different from the best company for a safe driver with poor credit.
So how do you find the best company for you? Simple: you download the Jerry app. Jerry is a licensed insurance broker with over 55 partner companies, and unlike other quote comparison tools, Jerry can show you real-time quotes tailored to your profile in under a minute. You can select your ideal coverage limits, explore insurance add-ons, and learn more about what your money’s going towards.
Speaking of money, here are some of the average rates Jerry users paid with some of the most popular car insurance companies in Michigan.
| Insurance Company | Average Cost | Annual Savings with Jerry | |
|---|---|---|---|
| Clearcover | $3,197 | $1,420 | Compare Prices |
| Travelers | $2,843 | $1,413 | Compare Prices |
| Nationwide | $2,791 | $1,135 | Compare Prices |
| National General | $3,127 | $1,033 | Compare Prices |
| Progressive | $3,078 | $979 | Compare Prices |
| Dairyland | $3,556 | $947 | Compare Prices |
| Safeco | $2,838 | $922 | Compare Prices |
| State Auto | $2,919 | $822 | Compare Prices |
| Kemper | $1,272 | $331 | Compare Prices |
| Allstate | $1,680 | $164 | Compare Prices |
Compare Best Car Insurance Quotes in Michigan
Keep in mind that the averages shown above are, well...averages! They represent the kind of rates you could find with Jerry, but depending on your individual profile, you might find quotes that are higher than the state average—or even lower!
You see, car insurance rates are determined by a vast constellation of factors, from your driving history and past car accidents to your ZIP code, age, and even marital status! That’s why working with a super-fast broker like Jerry makes sense: through the power of AI, Jerry can simplify the comparison process while taking every one of those all-important variables into account.
| Quote Date | Car | City | Name | Age | Carrier | Before Jerry | After Jerry |
|---|---|---|---|---|---|---|---|
| September 23, 2022 | Buick Enclave CXL | Royal Oak | Maud G. | 46 | Progressive | $125/mo. | $80/mo. |
| September 22, 2022 | Chevrolet Malibu 2Lt | Plainwell | Susie J. | 35 | Safeco | $122/mo. | $100/mo. |
| September 24, 2022 | Oldsmobile Alero Gl | Lyon Charter Township | Ruth S. | 50 | Progressive | $166/mo. | $124/mo. |
| September 23, 2022 | Chevrolet Impala LS | Roseville | Mitchell B. | 53 | Progressive | $194/mo. | $165/mo. |
| September 26, 2022 | Gmc Canyon Denali | Rochester Hills | Edward G. | 46 | Progressive | $233/mo. | $207/mo. |
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Why is Michigan car insurance so expensive?
There’s no way to sugarcoat it: Michigan is the most expensive state for car insurance. If you live in the Wolverine State, there’s a good chance that you’re paying an annual premium that’s well above the national average.
What makes car insurance in Michigan so expensive? One simple answer is that Michigan is a no-fault state with extremely high minimum coverage requirements. While many states only require basic liability insurance to get behind the wheel, Michigan law requires drivers to buy huge amounts of personal injury protection (PIP) and property protection insurance (PPI), along with high minimum liability limits (more on these in a minute).
But that’s not the only reason Michiganders pay more for coverage. Michigan has the second-highest rate of uninsured motorists (just behind Mississippi), no doubt thanks to the state’s insanely expensive premiums. Unfortunately, the 25.5% of residents who don’t carry minimum car insurance drive up costs for everyone else.
Add some seriously treacherous winter weather, cities with tons of property crime, and a high rate of car ownership into the mix, and you’re looking at the perfect storm for the highest average car insurance premiums in the nation.
But enough of the depressing stuff: despite those grim realities, it’s not impossible to find affordable insurance in Michigan. You just need to know where to look—and Jerry does.
The graph below compares the cost of three crucial types of insurance for Michigan drivers: liability coverage, collision coverage, and comprehensive coverage.
Of those three, liability insurance is the only one required by law. Remember those sky-high state minimums? In Michigan, you need at least $50,000 per person / $100,000 per accident in bodily injury liability, $15,000 per accident in property damage liability, $1,000,000 in property protection, and personal injury protection that varies with a minimum $50,000 in coverage if not enrolled in Medicare Parts A & B.
Minimum insurance can protect others when you’re in an accident, and your PIP coverage supplements any health insurance you carry to cover your own medical costs. A full-coverage policy, on the other hand, includes comprehensive and collision insurance, which will pay for your medical expenses and repairs due to a range of incidents, from car theft to a collision.
Take a look at the graph below to understand how much you’re paying for each.
Why is full coverage car insurance so expensive in Michigan?
Cheap car insurance with a DUI or speeding ticket in Michigan
In Michigan, violation points remain on your record for two years. Insurers see you as a high-risk driver, which impacts policy rates, driving privileges, and even your credit score. While a serious charge like a DUI or reckless driving conviction will have the biggest impact on your premium, even a simple speeding ticket can cause your rate to jump.
Jerry doesn’t care what’s in your past—we’re all about reducing your car insurance costs to clear the way for the future.
Car Insurance Cost by Violation Type:
| Driving Violation | Average Cost | Annual Savings with Jerry |
|---|---|---|
| Clean Record | $2,813 | $883 |
| Passing School Bus | $5,772 | $2,898 |
| Driving on Sus. License | $4,977 | $2,023 |
| Careless Driving | $5,096 | $1,880 |
| Improper Passing | $4,467 | $1,730 |
| Illegal Turn | $4,252 | $1,485 |
| Failure to Obey Traffic Sign | $3,947 | $1,360 |
| Suspension | $3,766 | $1,255 |
| Speeding under 15 | $3,422 | $1,097 |
| DUI | $3,024 | $944 |
Michigan Driving Violation FAQ's
Insurance Cost With a DUI in Michigan
If you get a DUI in Michigan, you can expect your car insurance to increase by an average of $85 annually.
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Insurance Cost With a Reckless Driving Citation in Michigan
If you have a reckless driving citation, you should expect your insurance to increase to an average of $415.25 per month.
Read More
Ticket Costs in Michigan
A speeding ticket in Michigan will cost the driver up to $100 in fines, plus a maximum of $100 in court costs.
Read More
DUI Arrest Rates in Michigan
Michigan police arrest an average of 365 per 100,000 people on DUI arrest charges, putting Michigan slightly below the average for DUI arrests.
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Michigan auto insurance rates 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.
Cheapest car insurance in Michigan for young drivers
In 2019, people between the ages of 25-34 had the highest driving fatalities in Michigan, and men were far more likely to be involved than women. Michigan ranks 15th nationally for teenage driver safety, making it one of the better states for teen drivers.
Young drivers also have higher rates than their more experienced counterparts, but by applying for discounts, shopping around, and maintaining a clean driving record, drivers under 25 can save money on car insurance.
Use the chart below to get an estimate of how your rates could change over time in Michigan.
Average cost of car insurance in Michigan by city
Michigan has over 7.2 million licensed drivers—but a whopping 25% of them don’t carry even a basic auto insurance policy. 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. Detroit car insurance costs are the highest in the nation, but across the state in Grand Rapids, insurance costs are considerably lower. And up in the UP, Marquette car insurance costs are even lower, thanks to a lower population density and lower crime rates!
Here’s a more specific breakdown of insurance prices for Jerry customers across Michigan:
| City | Average Cost | Annual Savings with Jerry |
|---|---|---|
| Ann Arbor | $2,605 | $1,013 |
| Detroit | $2,989 | $894 |
| Flint | $2,855 | $996 |
| Grand Rapids | $2,491 | $946 |
| Ionia | $2,328 | $1,130 |
| Kalamazoo | $2,592 | $872 |
| Lansing | $2,628 | $997 |
| Saginaw | $2,434 | $871 |
| Warren | $2,796 | $901 |
| Ypsilanti | $2,646 | $869 |
Michigan City Car Insurance FAQs:
Least Expensive Cities in Michigan
Drivers in Kalamazoo can get the cheapest insurance rates in Michigan, though their annual insurance costs are still going to be relatively high at an annual rate of $1,679.
City With Highest Rates of Accidents in Michigan
7.54% of drivers in Kalamazoo have an at-fault accident on their record already, which will be a factor that drives up prices in the area.
Read More
Cities With the Longest Commute Times in Michigan
With an average commute of 40.5 minutes, the city of Almont has the longest commute in Michigan. Drivers in Almont will have higher rates due to increased mileage and traffic.
Read More
Michigan car insurance rates by model
Your vehicle also impacts your car insurance rates. For a popular, mid-range vehicle like the best-selling Ford F-150, insurance costs are fairly low.
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.
But the exact specifications of your vehicle make a difference, too. If you own a pricier F-150 model or one with a V8 engine, you’ll pay more due to the greater value and higher violation risk associated with that vehicle.
Want to see how your model measures up? Check out the table below.
| Car | Average Cost | Annual Savings with Jerry |
|---|---|---|
| Buick Enclave CXL | $2,782 | $1,226 |
| Chevrolet Equinox LT | $2,858 | $1,079 |
| Jeep Grand Cherokee Laredo | $2,633 | $1,062 |
| Ford Fusion SE | $2,630 | $893 |
| Dodge Ram 1500 | $2,395 | $726 |
Popular Michigan Car FAQ's:
Most Popular Car in Michigan
The most popular vehicle in Michigan is the Ram Pickup 1500. Pickup 1500 owners pay around $1,743 annually in car insurance, but Jerry can find them cheaper rates.
Read More
Best Fuel Efficient Non-Hybrid Vehicle Michigan
The Mitsubishi Mirage is another smart choice. With an average combined 39 mpg, the Mirage is an efficient vehicle.
Best Fuel Efficient Hybrid Vehicle Michigan
If you want to save on gas over time, a fuel efficient vehicle could help. With a combined 59 mpg, the 2022 Hyundai Ioniq is a sensible choice.
Read More
Least Expensive Car to Maintain Michigan
Over the course of ten years, a Toyota Prius can cost owners $4,000 in maintenance—which is much lower when compared to other models.
Read More
Most Expensive Car to Maintain Michigan
With a sizable $15,000 ten-year maintenance cost, the BMW X1 is one of the most expensive cars to maintain relative to the original vehicle price.
Read More
Browse car insurance information for popular cars in Michigan:
What are the car insurance requirements in Michigan?
Most states have minimum insurance requirements that you must meet to hit the road.
How much insurance do I need in Michigan?
Michigan requires $50,000 per person for bodily injury liability, $100,000 of bodily injury liability per accident, and $15,000 of property damage liability per accident. Drivers also need to carry personal injury protection coverage (PIP) and property protection.
What do you need if you’re pulled over?
If you get pulled over in Michigan, you’ll need to show registration, driver’s license, and proof of insurance.
Is Michigan a no-fault state?
Yes, Michigan is a no-fault state. This means that Michigan doesn’t assign liability to a faulty party after an accident. Instead, drivers must carry personal injury protection coverage for their own expenses in an accident.
Sticking to the minimum insurance requirements will get you the best rates—but you might be missing out on important coverage.
Take uninsured motorist coverage as an example. With 25% of the state uninsured, you’ve got about a one in four chance of being in an accident with a driver without liability insurance to cover your costs. Remember, liability insurance only covers other drivers’ costs in an at-fault accident.
And if your car is damaged by anything other than an accident, good luck getting coverage without a full coverage car insurance policy that includes comprehensive coverage. When you look at the potential costs of an uncovered accident, the value of adding extra coverage becomes clear.
The features below go over some risk factors that make additional coverage options worth it in Michigan.
Michigan ranks 30th for traffic and infrastructure, putting Michigan in the lower half of states for busy roads. Higher rates of traffic mean higher collisions, so drivers should consider collision coverage.
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18,385 vehicles were stolen in Michigan in 2020. Michigan drivers should buy comprehensive insurance for theft coverage, among other non-collision damages.
In Michigan, 25.50% of drivers are uninsured—that’s over a quarter of all drivers on the road. This increases your chances of being in an accident with an uninsured driver, and if that happens, you’ll want uninsured/underinsured motorist coverage to have your back.
Read More
Michigan drivers rate their roads 3.89/10, making Michigan’s roads some of the worst in the country. Bad road conditions can damage your car—and they can even leave you stranded in a worst-case scenario. Make sure you have roadside assistance to help you out.
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 the lowest rates on car insurance, hands down. If you try to compare quotes on your own, you’re likely to spend hours on the phone with insurance companies and spend days or even weeks filling out forms and waiting for your response.
But with Jerry, the whole comparison process takes about 45 seconds. That’s because Jerry’s an AI-powered app partnered with over 55 insurance providers. Through the power of technology, Jerry can quickly identify competitive real-time quotes that fit your profile and show you all the coverage options you need.
That’s right: high-speed, high-accuracy comparison, in under a minute, without a single phone call. You’re welcome.
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:
Here are some of the most popular ones for drivers in Michigan:
Clean Driving Record Discounts
Clean Driving Record Discounts
Insurers are more likely to give discounts to customers with clean driving records. This happens because safe drivers are less likely to file a claim, so insurers don’t have to payout as often—and the driver gets some of the savings, too.
Bundling Discounts
Bundling Discounts
Drivers who bundle their auto and home insurance with the same carrier can qualify for a bundling discount.
Safety Ratings and Anti-theft Discounts
Safety Ratings and Anti-theft Discounts
Insurance carriers will offer lower rates to drivers who own highly rated vehicles for safety and anti-theft technology and features. These vehicles present a lower risk, which means it’s less likely insurers will need to pay for claims, and drivers get to share in the savings.
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.
Here's what you need to know about car insurance in Michigan:
Here's what you need to know about
car insurance in Michigan:
- Michigan requires $509 less in coverage than the national average
- Jerry can help drivers in Michigan find affordable car insurance rates in less than 45 seconds
- Quote comparison services can help Michigan drivers find the best quotes
- Minimum liability coverage in Michigan follows the 50/100/15 rule. Drivers in Michigan need the state-required minimum of $50,000 per person for bodily injury liability, $100,000 of bodily injury liability per accident, and $15,000 of property damage liability per accident
