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Cheapest Car Insurance in Michigan (Feb 2024)

Compare 50+ top insurance companies including Progressive, Travelers, AAA, Nationwide (and more!) to find the best and cheapest car insurance in Michigan.
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R.E. Fulton
Licensed Insurance Agent —Senior Content Writer
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Reviewed by Josh Damico, Vice President Insurance Operations
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Edited by Lina Zhang, Licensed Insurance Agent, VP of Operations

How to find the cheapest car insurance quotes in Michigan

Securing an affordable
car insurance
policy is a great way to keep your auto-related expenses as low as possible. However, there’s no singular “cheapest” car insurance provider for every driver. To make sure you’re getting the best price for customized coverage, carefully compare
auto insurance quotes
from various companies before choosing your favorite. 
Insurance CompanyPremium (monthly)CustomerCarInsurance Coverage
Progressive
$327
Ford Edge Titanium
• State Minimum Liability
• Comp / Collision
Safeco
$121
Buick Enclave
• 100,000/300,000 Liability
• Comp / Collision
Nationwide
$117
Ford Taurus SEL
• 250,000/500,000 Liability
Mercury
$119
GMC Yukon XL C1500
• State Minimum Liability
National General
$109
Dodge Challenger
• No Coverage Liability
coverageLast Updated Feb 21, 2024

Cheapest car insurance companies in Michigan

To help you identify which auto insurance company offers the best rates in Michigan, Jerry conducted the nation’s largest insurance shopping survey. 
The conclusion? There’s simply no best or cheapest car insurance company for every driver—instead, your rates are highly individualized. 
Many drivers report that Travelers offers some of the lowest rates in Michigan, but other car owners note that their rates increase swiftly as you increase your coverage levels. 
Nationwide, State Farm, Progressive, GEICO, and Allstate are some of the most popular Michigan auto insurance companies. Just take a look at what their customers had to say about these insurance options. 
Insurance companyDateCost rating (out of 5)What our customer said:
Elephant Auto Insurance
February 20, 2024
3
"So far, so good. Haven’t had any claims with them and the customer support all seems foreign, but so far so good."
-Maurice
AAA
February 18, 2024
5
"They are good, just my cars recall makes my insurance super expensive."
-Don
Bristol West
February 14, 2024
4
"Have not had to use them yet. But they have been very helpful with all my what is questions"
-Laura
Progressive
February 9, 2024
3
"I think I was getting overcharged compared to others other than that no issues "
-Celia
Progressive
February 8, 2024
3
"Rate has nearly doubled with no incidents in the past 2 years. Getting ridiculous. Snapshot kind of helped but not a ...(read more)"
-Daisy
coverageLast Updated Feb 20, 2024
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How'd we get these scores?

Jerry's experts conducted one of the largest car insurance surveys in the United States. We surveyed 15,000 policyholders, in all 50 states, over the span of 18 months. These policyholders hold insurance policies with 87 different insurance companies. We surveyed policyholders to gauge their satisfaction with their insurance carriers in: policy cost, customer service, buying and renewal experience, as well as claim experience. These scores were all reported by real customers of the insurance companies.
If you’re looking for a fast and easy way to find the cheapest rates, try using a car insurance comparison app or website. 
Jerry is a top-rated insurance agency that offers a straightforward app that auto owners can use to
shop for car insurance
and explore their motorist coverage options. Moreover, Jerry provides end-to-end service—helping you register for your new policy and even canceling your old one on request.

Minimum car insurance requirements for liability and full coverage in Michigan

Whether you’re from Detroit, Lansing, Ann Arbor, or somewhere in between, every Michigan driver is legally required to carry minimum liability coverage, uninsured/underinsured motorist coverage, personal injury protection (PIP), and property protection insurance (PPI). However, you’ll likely want to consider additional coverage types—such as full coverage—depending on your specific needs.

Cheapest minimum liability coverage in Michigan

Before you can legally drive your car, you’ll need to secure a policy that meets
Michigan’s minimum liability coverage requirements
.
This includes $50,000 in bodily injury liability insurance per person, $100,000 per accident, and $10,000 of property damage liability coverage.
You’ll often hear this referred to as 50/100/10 coverage. 
Take a look at some Michigan car owners who used Jerry to secure affordable minimum liability coverage. 
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Annie (34 years old)
coverageCoverage
State Minimum
locationMeridian Charter Township, MI
$304
per month
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Lida (30 years old)
$476
per month
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Rosetta (47 years old)
coverageCoverage
State Minimum
locationCarp Lake, MI
$199
per month
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Maurice (34 years old)
coverageCoverage
State Minimum
locationSand Lake, MI
$210
per month
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Winifred (55 years old)
coverageCoverage
State Minimum
$71
per month
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Max (41 years old)
coverageCoverage
State Minimum
carLexus ES 350
$96
per month

Do you need more than the minimum liability insurance coverage in Michigan? 

Most drivers in Michigan conclude that the best car insurance policy for them will include more than the state minimum coverage. 
If you cause a collision, you could be responsible for medical bills and vehicle repairs that greatly exceed the 50/100/10 limit—especially if the other driver is seriously injured or the vehicle is totaled. 
The bottom line: To ensure you’re fully protected, you should consider 100/300/100 liability coverage—even if you opt out of collision and/or comprehensive coverage.
Lower my car insurance too!

Cheapest full coverage Michigan auto insurance quotes

But what happens if you’re injured, or your vehicle is damaged in an accident? That’s where full coverage car insurance comes in. 
Full coverage auto insurance
includes comprehensive and collision coverage. 
  • Collision coverage will help cover the cost of repairing or replacing your accident-damaged vehicle.
  • Comprehensive coverage pays for damage as the result of vandalism, environmental causes, and even theft.
If you purchase your vehicle using an auto loan, your loan provider will likely require that you purchase full coverage car insurance.
Take a look at the affordable full coverage policies that Jerry users secured. 
Insurance CoverageInsurance CompanyPremium (monthly)CustomerCar
• State Minimum Liability
• Comp / Collision
Progressive
$304
Ford Focus SE
• State Minimum Liability
• Comp / Collision
Nationwide
$199
Honda Civic EX
• 100,000/300,000 Liability
• Comp / Collision
Safeco
$121
Buick Enclave
• 25,000/50,000 Liability
• Comp / Collision
AAA
$65
Saturn SL1
• 30,000/60,000 Liability
• Comp / Collision
Travelers
$93
Honda Insight
coverageLast Updated Feb 21, 2024

Average rates for minimum liability coverage and full coverage car insurance in Michigan

Data shows that Michigan drivers pay an average monthly rate of $165 for liability-only policies (or $1,975 a year) and $186 per month (or $2,232 per year) for full-coverage policies.
Although average insurance rates can provide an estimation of your insurance expenses, it is essential to understand that individual drivers' insurance premiums are determined by several factors. These factors include the type of vehicle, driving record, claims history, and demographic information. Therefore, the final insurance costs for each driver can vary significantly based on these considerations.

Michigan car insurance: Additional coverages

Believe it or not, car insurance doesn’t stop with full coverage. Other valuable add ons include but are not limited to:
We highly recommend Michigan gap insurance for anyone who has a loan out on a recently-purchased vehicle. Gap insurance will cover you if you still owe more than what your car is valued at, in the event that your vehicle is totaled or stolen. 
If you frequently rent or borrow vehicles instead of leasing or owning, non-owner car insurance is a great idea. This offers you liability coverage for bodily injury and property damage if you’re in an at-fault accident, but won’t cover damage to the vehicle you’re driving or pay to tend to your personal injuries.

Car insurance premium by rating factors

Factors that can impact your Michigan insurance rates include:
  • Driving record and claims history: Insurance providers may charge higher rates if your Michigan driving record shows a history of accidents or traffic violations.
  • Location: Rates tend to be higher for drivers residing in cities compared to rural areas. Additionally, different ZIP codes within the same city may have varying insurance rates.
  • Vehicle type: Luxury cars, high-performance vehicles, and sports cars generally have higher insurance costs for collision and comprehensive coverage.
  • Usage of the vehicle: If you use your car for commuting to work or have a higher annual mileage, insurance companies may charge higher premiums compared to leisure usage.
  • Credit score: Drivers with higher credit scores typically pay less for the same coverage as it is considered an indicator of financial responsibility.
It's important to note that these factors can vary among insurance providers, so it's advisable to contact insurance companies directly or use online comparison tools to get personalized quotes based on your specific circumstances.

How Do Different Factors Impact Your Car Insurance Costs in Michigan?

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Allowed (with applicable limitations): Gender, age, driving experience, credit history, education, occupation, employment status, marital status, zip code, insurance history
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Prohibited (or effectively prohibited): Michigan currently does not disallow any common insurance rating factors when calculating insurance premiums.
Learn more abut the car insurance rating factors in Michigan:

How to find cheap Michigan car insurance if you’re a high-risk driver

Your driving history plays a significant role in determining your auto insurance quotes. If insurance companies observe a track record of violations, they consider you to be a higher risk driver, resulting in higher insurance rates being charged.

Cheapest car insurance for Michigan drivers with a speeding ticket

Speeding violations can be categorized into different degrees based on the extent of the speed limit exceeded. These categories typically include speeding 1-5 MPH over the limit, 6-10 MPH over the limit, 11-15 MPH over the limit, 16-20 MPH over the limit, and speeding over 21 MPH over the limit.
A moving violation will almost always impact your car insurance rates, but Jerry has successfully helped drivers with varying speeding tickets keep their rates as low as possible.
Speeding TypeInsurance CompanyPremium (monthly)CustomerInsurance Coverage
Speeding 1-5
Progressive
$163
• State Minimum Liability
• Comp / Collision
Speeding 6-10
Safeco
$182
• 100,000/300,000 Liability
• Comp / Collision
Speeding 11-15
Bristol West
$189
• State Minimum Liability
Speeding 16-20
Nationwide
$83
• State Minimum Liability
Speeding 21+
Progressive
$329
• 100,000/300,000 Liability
• Comp / Collision
coverageLast Updated Feb 23, 2024

Over 4,000,000 customers and counting

We love saving our customers money. Turns out, they love it too! Here's what they have to say about their switch with Jerry:
National General
Switching to National General was SO easy and it saved me over $100/month!
Courtney
Progressive
Just switched over and so far I'm loving it
Justice
Libertymutual
I absolutely love being with Liberty Mutual. They are always making sure I'm informed of any changes in the laws or my policy
Desiree
Safeco
Excellent customer service and very helpful for finding the right policy and getting everything set up.
Tiandra

How to find cheap Michigan auto insurance after a DUI

A
Michigan DUI violation
typically leads to a higher increase in car insurance rates compared to other violations. 
If you have a DUI offense on your record, insurance rates can vary significantly among different insurance companies. It may be necessary to compare rates from multiple insurers to find the cheapest options after a DUI. 
Jerry has assisted numerous drivers in securing affordable auto insurance rates following a DUI.
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Irene (34 years old)
DUI
coverageCoverage
State Minimum
carJeep Grand Cherokee Laredo
$100
per month
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Cecelia (31 years old)
DUI
coverageCoverage
100,000 per person
300,000 per accident bodily injury
Comp / Collision
$110
per month
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Michael (25 years old)
DUI
coverageCoverage
State Minimum
carChrysler 300C Platinum
$207
per month

Michigan SR-22 insurance

If you have been involved in a serious violation, such as a DUI, it is possible that you will need to fulfill a legal obligation known as an
SR-22 filing
. An SR-22 is a document provided by insurance companies to demonstrate that you possess the minimum liability insurance as mandated by Michigan law. 
There are other circumstances where
Michigan SR-22 filings
may be necessary as well, including when your driving privileges have been suspended following a car crash or if you have been convicted for not having motor vehicle liability insurance on multiple occasions.

Cheapest Michigan auto Insurance after an at-fault accident

Your car accident or claim history is one of the crucial elements that significantly impact car insurance rates. 
Insurance companies carefully assess your previous at-fault accidents to evaluate the level of risk you pose as an insured individual. If you have been involved in a recent at-fault accident, it is possible for your car insurance rates to dramatically increase.
Accident TypeInsurance CompanyPremium (monthly)CustomerInsurance Coverage
At Fault With Injury
Progressive
$351
• 100,000/300,000 Liability
At Fault With No Injury
Safeco
$476
• State Minimum Liability
• Comp / Collision
Not At Fault
Nationwide
$213
• State Minimum Liability
• Comp / Collision
At Fault With No Injury
State Auto
$96
• State Minimum Liability
At Fault With Injury
Bristol West
$320
• 100,000/300,000 Liability
coverageLast Updated Feb 19, 2024

FAQs

Michigan is a no-fault state. This means drivers are subject to more minimum insurance requirements than states that only require liability insurance—as a result, the average insurance cost for minimum liability coverage is higher in Michigan than in comparable at-fault states.
It also means drivers involved in a
car accident in Michigan
must turn to their own insurance to cover injury expenses first, regardless of who is at fault.
Michigan uses a comparative fault system, so payout for property damage depend on the determined percentage of fault for each involved driver—including you.

Cheapest auto insurance after other violations in Michigan

Aside from speeding tickets and DUIs, other violations like
reckless driving
and driving on a suspended license can also result in increased car insurance costs in Michigan.
We have curated a list of different driving violations and how we assisted drivers in finding ways to save on their car insurance despite these infractions.
ViolationInsurance CompanyPremium (monthly)CustomerCarInsurance Coverage
Careless Driving
Progressive
$140
Toyota Corolla
• State Minimum Liability
• Comp / Collision
Driving on Sus. License
Safeco
$327
Jeep Cherokee Latitude
• 100,000/300,000 Liability
DUI
Bristol West
$207
Chrysler 300C Platinum
• State Minimum Liability
Failure to Stop
Nationwide
$140
Chevrolet Camaro LT
• State Minimum Liability
Illegal Turn
Bristol West
$215
Honda Accord LX
• State Minimum Liability
Improper Passing
Progressive
$142
Jeep Compass Latitude
• State Minimum Liability
• Comp / Collision
Leaving scene of an Accident/Hit and Run
Progressive
$327
Chrysler 200 Limited
• 100,000/300,000 Liability
Open Container
Bristol West
$234
Dodge Grand Caravan SXT
• 100,000/300,000 Liability
Passing School Bus
Progressive
$253
RAM 1500 Sport
• 100,000/300,000 Liability
• Comp / Collision
Speeding 16-20
State Auto
$96
Lexus ES 350
• State Minimum Liability
Speeding Violation-Minor
Allstate
$194
Ford Focus SE
• 30,000/85,000 Liability
• Comp / Collision
Suspension
Safeco
$498
Chevrolet Impala LS
• 100,000/300,000 Liability
• Comp / Collision
Wrong Way/Wrong Lane
Progressive
$165
Acura TL
• State Minimum Liability
Other Minor
Nationwide
$140
Chevrolet Camaro LT
• State Minimum Liability
coverageLast Updated Feb 19, 2024

Cheapest Michigan auto insurance based on insurance history

Your insurance history plays a crucial role in determining your car insurance rates. It involves whether you are presently insured or not.
Typically, having a gap in your insurance coverage results in higher car insurance rates. To assist our customers in making timely insurance payments and avoiding
coverage lapses
, Jerry sends payment reminders to eligible customers. These reminders are sent when a payment is approaching or if a customer has fallen behind on their payments.
We have successfully assisted numerous customers who are currently without insurance or have experienced a lapse in coverage in finding opportunities to save on a new policy.
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Frank (34 years old)
Currently Insured
coverageCoverage
State Minimum
locationMeridian Charter Township, MI
$304
per month
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Victor (28 years old)
Not Currently Insured
coverageCoverage
100,000 per person
300,000 per accident bodily injury
Comp / Collision
$187
per month
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Theresa (47 years old)
Currently Insured
coverageCoverage
State Minimum
locationCarp Lake, MI
$199
per month
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Emilie (25 years old)
Not Currently Insured
coverageCoverage
State Minimum
carChevrolet Impala LS
$261
per month
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Matthew (28 years old)
Currently Insured
coverageCoverage
100,000 per person
300,000 per accident bodily injury
Comp / Collision
carFord F150 Supercrew
$229
per month
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Clearcover
Jeanette (27 years old)
Not Currently Insured
coverageCoverage
15,000 per person
30,000 per accident bodily injury
Comp / Collision
locationMiddleville, MI
$103
per month

Cheapest car insurance for drivers with poor credit

In Michigan, it’s illegal for car insurance companies to use your credit history to set your rates, deny your application, or raise your premiums on renewal. However, drivers with poor credit might still find that they pay higher rates due to related factors, such as insurance history and claims filing. 
According to our data, the national average car insurance premium for individuals in the highest credit bracket (over 750) is approximately 20% higher than the average cost for individuals with lower credit scores (under 550).
Credit RangeInsurance CompanyPremium (monthly)CustomerCarInsurance Coverage
> 750
Progressive
$130
Nissan Rogue Select S
• State Minimum Liability
• Comp / Collision
660 - 750
Safeco
$175
KIA Sedona LX
• State Minimum Liability
• Comp / Collision
550 - 659
Gainsco
$185
Chevrolet Cruze LS
• 25,000/50,000 Liability
• Comp / Collision
< 550
Plymouth Rock
$92
Chevrolet Malibu LT
• 15,000/30,000 Liability
• Comp / Collision
coverageLast Updated Feb 21, 2024

Over 4,000,000 customers and counting

We love saving our customers money. Turns out, they love it too! Here's what they have to say about their switch with Jerry:
Progressive
Got a car insurance quote in less than 15 min. In fact! I got several from Jerry.
Chad
Libertymutual
Everything with liberty mutual has been effortless. I never had any issues since I switched from Progressive.
Miranda-1
Bristol West
They are great to work with and always on top of getting matters handled fast.
Robert-1
Esurance
Loved the way their rep dealt with me. The cheapest quote as compared to all other companies. At least in Detroit, MI.
Asad

Cheapest Michigan car insurance by age

Insurance rates for new drivers
are notably steep owing to their limited driving experience. However, as individuals reach the age of 25, their insurance rates tend to decrease. Conversely, car insurance costs tend to rise again once individuals reach the age of 75. 

Cheapest Michigan car insurance for young drivers

Teen drivers in Michigan
typically pay the highest insurance rates out of any age group in the state.
Teenagers who own newer cars should opt for full coverage insurance as it provides better financial protection. This recommendation is based on the higher likelihood of teenagers being involved in accidents compared to other age groups.
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Andrew (22 years old)
coverageCoverage
State Minimum
locationTwin Lake, MI
$302
per month
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Julia (24 years old)
coverageCoverage
100,000 per person
300,000 per accident bodily injury
$101
per month
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Elva (24 years old)
coverageCoverage
250,000 per person
500,000 per accident bodily injury
$122
per month
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Viola (22 years old)
coverageCoverage
State Minimum
$550
per month
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Nathaniel (22 years old)
coverageCoverage
100,000 per person
300,000 per accident bodily injury
locationLitchfield, MI
$154
per month
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Minerva (24 years old)
coverageCoverage
25,000 per person
50,000 per accident bodily injury
$109
per month

Cheapest Michigan car insurance for senior drivers

Once individuals reach their mid-70s, car insurance rates begin to increase. This trend can be attributed to several factors that contribute to higher insurance costs for seniors. 
Older drivers have a heightened vulnerability to accidents and are more prone to sustaining severe injuries in the event of a collision. Consequently, insurance providers incur significant medical expenses and experience elevated costs, leading to higher
car insurance rates for seniors
.
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Sophia (66 years old)
$314
per month
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Marcus (65 years old)
coverageCoverage
100,000 per person
300,000 per accident bodily injury
Comp / Collision
$263
per month
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Teresa (65 years old)
coverageCoverage
100,000 per person
300,000 per accident bodily injury
Comp / Collision
carSaturn VUE XR
$63
per month
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Willie (70 years old)
coverageCoverage
250,000 per person
500,000 per accident bodily injury
$117
per month
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Billy (70 years old)
coverageCoverage
20,000 per person
40,000 per accident bodily injury
$68
per month
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Edna (68 years old)
coverageCoverage
State Minimum
carGMC Acadia Limited SLT-2
$230
per month

How to find car insurance discounts in Michigan for your motor vehicle

The vehicle you choose significantly influences your car insurance premiums. Various factors related to the type of car impact insurance costs, such as repair or replacement expenses, the probability of theft, and the overall safety performance of the vehicle.
Some of the most popular vehicles in the Great Lake State include: 
  • Honda Civic
  • Nissan Rogue
  • Ford Bronco
  • Chevrolet Silverado 1500
  • Toyota Corolla
Popular CarInsurance CompanyPremium (monthly)CustomerInsurance Coverage
Honda Civic EXProgressive
$282
• State Minimum Liability
• Comp / Collision
Nissan Rogue SSafeco
$66
• 100,000/300,000 Liability
Toyota Corolla LBristol West
$226
• 100,000/300,000 Liability
• Comp / Collision
coverageLast Updated Feb 19, 2024

Is it cheaper to insure a new car or a used car?

Generally, insuring a new car tends to be more costly compared to an older car. Based on our findings, the average annual cost of full coverage insurance for a car over 10 years old in Michigan is about 22% less than the average cost of insuring a vehicle that is less than 4 years old.
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Frances (49 years old)
coverageCoverage
State Minimum
locationRepublic, MI
$88
per month
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Mark (55 years old)
coverageCoverage
25,000 per person
50,000 per accident bodily injury
Comp / Collision
$65
per month
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Sally (81 years old)
coverageCoverage
100,000 per person
300,000 per accident bodily injury
Comp / Collision
$151
per month
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Dustin (41 years old)
coverageCoverage
30,000 per person
85,000 per accident bodily injury
$94
per month
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Jessie (22 years old)
coverageCoverage
100,000 per person
300,000 per accident bodily injury
locationLitchfield, MI
$154
per month
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Clearcover
Elsie (24 years old)
coverageCoverage
25,000 per person
50,000 per accident bodily injury
$79
per month

How to find cheap car insurance in Michigan in your city

Insurance companies consider various factors when calculating your car insurance premium, one of which is the location where you store your vehicle. 
Insurance costs can differ based on population density, accident rates, crime statistics, and weather conditions. Even within the same city, insurance premiums can vary across different zip codes. 
Explore how Jerry Insurance Agency assisted drivers in various cities across Michigan in meeting their insurance requirements.
CityCustomerInsurance CompanyPremium (monthly)CarInsurance coverage
Monroe, MI
Edith, 26
Progressive
$327
Ford Edge Titanium
• State Minimum Liability
• Comp / Collision
Marquette, MI
Bradley, 36
Travelers
$93
Honda Insight
• 30,000/60,000 Liability
• Comp / Collision
Farmington Hills, MI
Raymond, 30
Safeco
$476
Hyundai Sonata Limited
• State Minimum Liability
• Comp / Collision
Westland, MI
Eliza, 70
Nationwide
$117
Ford Taurus SEL
• 250,000/500,000 Liability
Benton Harbor, MI
Adrian, 24
Clearcover
$79
Toyota Camry LE
• 25,000/50,000 Liability
Dearborn, MI
Fannie, 25
Gainsco
$147
Chrysler 200 S
• 25,000/50,000 Liability
• Comp / Collision
Hamtramck, MI
Sophia, 32
Plymouth Rock
$439
Honda Civic EX
• 25,000/50,000 Liability
Shelby Township, MI
Lily, 25
Bristol West
$261
Chevrolet Impala LS
• State Minimum Liability
Portage, MI
Clara, 30
State Auto
$215
Mitsubishi Outlander Sport ES
• 100,000/300,000 Liability
• Comp / Collision
Flint, MI
Claudia, 41
Mercury
$119
GMC Yukon XL C1500
• State Minimum Liability
Grand Rapids, MI
Caroline, 35
National General
$109
Dodge Challenger
• No Coverage Liability
coverageLast Updated Feb 22, 2024

How to lower the cost of car insurance in Michigan

Jerry's team of licensed insurance agents provides valuable recommendations for reducing your car insurance expenses. Here are some common strategies they suggest:
  1. Shop around and obtain quotes from multiple insurance providers to compare prices.
  2. Bundle your car insurance with homeowners insurance to get a discount.
  3. Explore potential car insurance discounts for which you may be eligible, such as good student discounts, good driver discounts, low mileage discounts, and discounts for vehicle adaptations like anti-theft devices.
  4. Consider raising your deductible for comprehensive and collision coverage.
  5. Work on improving your credit score, as it can positively impact your insurance premiums.
  6. Enroll in a defensive driving course, which can lead to lower insurance rates.
  7. Evaluate the possibility of dropping collision and comprehensive coverage for older cars.

Why is car insurance so expensive in Michigan?

The cost of car insurance in Michigan can be higher due to several factors, including:
  • Crowded cities: Cities with a high population density tend to have more traffic congestion and a higher probability of accidents, resulting in increased insurance premiums.
  • Uninsured drivers: The presence of uninsured drivers on the roads can pose financial risks for insurance companies, leading to higher overall insurance costs for everyone.
  • Expensive healthcare: The cost of healthcare in Michigan can impact insurance premiums, as medical expenses associated with accidents and injuries are factored into coverage costs.
  • More highway traffic: Michigan has a relatively higher density of highways, which can contribute to an increased frequency of accidents and subsequently drive up insurance rates.
  • Rate of car thefts: Areas with a higher incidence of car thefts can lead to increased insurance costs, as insurers compensate for the higher risk of vehicle loss or damage.
  • High risk of natural disasters: Michigan is prone to natural disasters such as severe storms and floods, which can cause significant damage to vehicles. This increased risk contributes to higher insurance premiums.
Considering these factors, it’s not uncommon for car insurance in Michigan to be relatively expensive compared to other regions.

FAQs

Insurance rates for each individual differ across insurance companies as insurers consider multiple factors when determining pricing. We strongly advise you to explore and compare insurance rates from various providers. By shopping around and comparing quotes, you can find the insurance coverage that best suits your needs at a competitive price.
Michigan drivers pay an average monthly rate of $243 for liability-only policies (or $2,916 a year) and $463 per month (or $5,556 per year) for full-coverage policies.
According to Jerry’s survey of over 15,000 car insurance policyholders—the largest insurance shopping study in the industry—no one auto insurance company offers the cheapest car insurance rates for every driver.
To find the cheapest rates possible for you, you should compare car insurance quotes from multiple providers using a car insurance comparison app or website.
Michigan car insurance requirements are $50,000 per person for bodily injury liability, $100,000 of bodily injury liability per accident, and $10,000 of property damage liability per accident. Just remember the 50/100/10 rule!
You may be able to purchase insurance on a car you own in Michigan if you don’t have a license, but you’ll need to list the primary driver on the policy and exclude yourself as a driver.
Yes. In fact, operating a vehicle without insurance in Michigan is considered a misdemeanor offense. If caught, you could face penalties such as a fine of up to $500 and/or imprisonment for up to one year. Additionally, your license may be suspended, and you will be unable to renew your license plates until you provide proof of insurance for your vehicle.
If you don’t already have a policy, you’ll need to
purchase car insurance before you buy a vehicle
.
Yes—because driving without insurance is a misdemeanor charge, your car could be towed and impounded until your fees are paid and other necessary requirements are met.
In Michigan, the general rule is that auto no-fault insurance coverage primarily follows the driver. However, depending on the specific language in your insurance policy, it can also extend to cover the vehicle. Liability exposure typically encompasses both the driver and the vehicle.
For optional but highly significant insurance coverages such as uninsured, underinsured, and collision insurance, they can apply to both the driver and the car in Michigan. It is crucial to review the terms and conditions of your insurance policy to understand how coverage is allocated between the driver and the vehicle in different scenarios.
In Michigan, full coverage car insurance includes at least the minimum levels of liability coverage as well as comprehensive and collision insurance.
No matter what state you’re from, your standard United States car insurance policy will typically cover you when you travel in all 50 states and Canada. 
In most cases, it is not advisable to have out-of-state car insurance if you are a resident of Michigan. However, there are certain exceptions to this rule. For instance, if you are a resident of two states or a member of the military stationed in another state, having out-of-state car insurance might be permissible. It is important to consult with your insurance provider and understand the specific regulations and requirements applicable to your situation to ensure compliance with the appropriate insurance guidelines.
To drive legally, all you need to purchase is the state-minimum liability insurance. However, this level of coverage can leave you vulnerable to expensive repair and medical bills after an at-fault accident, so we almost always recommend increasing your coverage.
In Michigan, Personal Injury Protection (PIP) is a mandatory component of car insurance coverage. PIP coverage is designed to cover medical expenses for the driver and passengers of the insured vehicle. Additionally, it may provide compensation for lost wages and essential household services that are required as a result of the accident. One of the key advantages of PIP is that it can be utilized regardless of who is determined to be at fault in the accident. It serves as a vital safeguard to ensure individuals receive necessary medical care and support following a car accident in Michigan.
Yes! While MedPay isn’t a mandatory requirement for drivers in Michigan, it can still be a smart investment due to its affordability (it costs an estimated $10 per month). 
Apart from covering hospital or doctors' bills, MedPay can also be utilized to pay deductibles or copays associated with other types of coverage, such as health insurance or PIP car insurance. Considering its relatively low cost, MedPay can provide valuable additional financial protection and help mitigate out-of-pocket expenses related to medical care.

Methodology

The Insurance Research Team analyzes insurance products and services to drive insights and help consumers make informed purchase decisions. 
Insurance research: We analyzed over 25 million car insurance quotes; conducted the largest insurance shopping survey (over 15,000 customers surveyed and 85 carriers reviewed in the past 18 months). 
We surveyed insurance policyholders for their experience with their insurers in the following areas: (1) insurance cost (2) customer service (3) insurance buying experience (4) insurance renewal experience (5) claim experience. In addition, we asked people what they like about their insurers and what areas in which their insurers could improve. The driver characteristics used in calculating average rates for auto insurance include: single driver, single car, currently insured, clean driving record.  
For the quotes and sold policies included in this article, please note that personal information has been hidden. Not all customers find savings. 
Team: The team consists of licensed insurance agents, insurance industry veterans, and data scientists.

Meet our Experts

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R.E. Fulton
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Licensed Insurance Agent —Senior Content Writer
R.E. Fulton is an expert insurance writer specializing in car ownership topics from car shopping and loan advice to insurance and repair guides. R.E.’s mission is to create unique and accessible content that helps readers to become more successful and independent car owners. R.E. has written and edited over 900 high-performing articles for Jerry, with an average of 1 million+ views.
As a senior writer on Jerry’s editorial team, R.E. draws on over 10 years of experience as a professional writer and digital publishing specialist. Prior to joining Jerry’s editorial team in 2021, R.E. worked as a writing coach at Columbia University, the Rochester Institute of Technology (RIT), and the University of Rochester. They serve as a managing editor for peer-reviewed history publication Nursing Clio, where their work has appeared regularly since 2015.
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Lina Zhang
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Licensed Insurance Agent
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Licensed in 50 states and Washington DC
Lina Zhang is Vice President of Operations at Jerry. She helped to found Jerry in order to take the confusion and mystery expenses out of car ownership and help drivers achieve financial success. Leading a global team responsible for operations, talent acquisition, legal, and content, Lina has been a key contributor to the AllCar™ app’s 10x growth in its first year of operation. Prior to Jerry, Lina and her Jerry co-founders, Art Agrawal and Musawir Shah, created YourMechanic, the largest on-demand car repair services provider. In one year, Lina built and scaled YourMechanic operations from just five markets to more than 50. The trio left YourMechanic to incubate Jerry at Y Combinator in 2017. Lina’s previous roles include intellectual property attorney at Morrison & Foerster LLP and a biomedical researcher at Stanford University.
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Josh Damico
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Head Of Insurance Operations
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18+ Years Experience in Insurance
Josh Damico is Jerry’s vice president of insurance operations and a licensed insurance professional with nearly two decades of experience in the industry. Previously, Josh held executive roles at Geico, where he had vast regional oversight and leadership opportunities.  He holds a bachelor’s degree in business administration and management from Medaille College, and has appeared on news channels including FOX and CBS to offer insurance expertise and tips to drivers across the country. His work has appeared in Business Insider, Kelley Blue Book, and Digital Insurance and been quoted in The Balance, GOBankingRates, and Inspiring Workplaces.
*Illustration only. For all the pricing information presented in this article (including various tables), please note that not all customers find savings and the information is for illustrative purposes only. Savings depend on type of car, location, policy features, driving history and other factors. Drivers who switch through Jerry save over $70/month on average.