Key Takeaways
- Bristol West and Progressive offer some of the cheapest car insurance in Michigan.
- The average cost of minimum coverage in Michigan is around $200 per month.
- Compare quotes from multiple insurers to find cheap car insurance in Michigan.
The cheapest car insurance in Michigan comes from companies like Bristol West and Progressive, according to real quotes for Jerry customers.
Here are more cheap quotes in the state for minimum and full coverage, plus quotes listed by age and driving history.
Cheap minimum coverage in Michigan
Here are the most affordable insurers in Michigan for minimum coverage policies, according to real quotes for Jerry customers.
|
Age
|
Car Make and Model
|
Insurance Company
|
Monthly Quote
|
Date of Policy
|
|---|---|---|---|---|
| 39 | Kia Sportage | Progressive | $345 | March 22, 2025 |
| 37 | Ford Focus | Bristol West | $221 | March 22, 2025 |
| 26 | Pontiac G6 | Progressive | $119 | March 22, 2025 |
| 62 | Ford Escape | Progressive | $101 | March 22, 2025 |
| 27 | Nissan Rogue | Progressive | $168 | March 22, 2025 |
| 25 | Buick Enclave | Bristol West | $323 | March 22, 2025 |
| 24 | Nissan Altima | Progressive | $287 | March 22, 2025 |
| 23 | Toyota Camry | Bristol West | $216 | March 22, 2025 |
| 29 | Lincoln Navigator | Bristol West | $181 | March 22, 2025 |
| 43 | Chevrolet Equinox | Bristol West | $330 | March 22, 2025 |
Minimum car insurance requirements in Michigan
Michigan’s car insurance requirements are:
- $50,000 in bodily injury liability per person.
- $100,000 in bodily injury liability per accident.
- $10,000 in property damage liability for damage caused in another state.
Michigan drivers must also carry personal injury protection, or PIP, and property protection insurance, or PPI, which pays up to $1 million for property damage caused in Michigan during an at-fault accident.
Cheap full coverage car insurance in Michigan
Here are the most affordable insurers in Michigan for full coverage policies, according to real quotes for Jerry customers.
|
Insurance Company
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| The General | $175 | $2,103 |
| Electric | $188 | $2,260 |
| Safeco | $246 | $2,956 |
| Progressive | $290 | $3,482 |
| Gainsco | $300 | $3,597 |
| National General | $343 | $4,118 |
| Anchor General | $390 | $4,680 |
| Mendota | $395 | $4,735 |
| Bristol West | $403 | $4,837 |
| Assurance America | $645 | $7,738 |
Minimum vs. full coverage in Michigan
Minimum coverage is the cheapest option, and it will satisfy Michigan’s insurance requirements. But it won’t pay for damage to your own car if you cause a crash.
Full coverage includes Michigan’s insurance requirements, plus coverage to pay for damage to your own car. It typically includes:
- Liability insurance, which covers injuries or property damage you cause to someone else in an accident.
- Collision coverage, which pays for damage to your vehicle from an accident, regardless of who is responsible. Michigan drivers can choose between three types of collision coverage: limited, standard, and broad coverage.
- Comprehensive coverage pays for vehicle damage caused by hitting an animal, falling objects, weather-related incidents and theft.
If you have a loan or lease on your vehicle, the lender will require
Average car insurance costs for young drivers in Michigan
Younger drivers typically pay more for auto insurance since they have less experience on the road. Below are the average costs of car insurance in Michigan for drivers between 18 and 24.
|
Age Group
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| 18-20 | $416 | $4,986 |
| 21-24 | $336 | $4,028 |
Cheap minimum coverage in Michigan for a 20-year-old
Here are the most affordable insurers in Michigan for 20-year-olds with minimum coverage policies, according to real quotes for Jerry customers.
|
Age
|
Car Make and Model
|
Insurance Company
|
Monthly Quote
|
Date of Policy
|
|---|---|---|---|---|
| 20 | Chevrolet Impala | Bristol West | $254 | March 19, 2025 |
| 20 | Dodge Journey | Bristol West | $220 | March 15, 2025 |
| 20 | Chevrolet Equinox | Progressive | $270 | March 14, 2025 |
| 20 | Buick Regal | Progressive | $196 | March 12, 2025 |
| 20 | Chevrolet Malibu | Bristol West | $139 | March 12, 2025 |
| 20 | Chevrolet Impala | Bristol West | $190 | March 1, 2025 |
| 20 | Pontiac Grand Am | Bristol West | $176 | February 26, 2025 |
| 20 | Ford Fusion | Bristol West | $392 | February 22, 2025 |
| 20 | Hyundai Sonata | Bristol West | $334 | February 17, 2025 |
| 20 | Lexus Is 250 | Bristol West | $182 | February 10, 2025 |
Cheap full coverage in Michigan for a 20-year-old
These are the cheapest car insurance companies in Michigan for 20-year-olds with full coverage, according to Jerry’s data.
|
Age
|
Car Make and Model
|
Insurance Company
|
Monthly Quote
|
Date of Policy
|
|---|---|---|---|---|
| 20 | Chevrolet Cruze | Bristol West | $825 | March 20, 2025 |
| 20 | Ford Escape | Progressive | $474 | March 10, 2025 |
| 20 | Hyundai Elantra | Progressive | $669 | March 7, 2025 |
| 20 | Alfa Romeo Giulia | Bristol West | $1,188 | February 28, 2025 |
| 20 | Kia Forte | Bristol West | $1,274 | February 28, 2025 |
| 20 | Chevrolet Cruze | Progressive | $237 | January 14, 2025 |
| 20 | Mazda Cx-3 | Bristol West | $547 | January 14, 2025 |
| 20 | Hyundai Veloster | Progressive | $499 | January 10, 2025 |
| 20 | Subaru Brz | Progressive | $409 | January 6, 2025 |
| 20 | Ford Ecosport | Progressive | $1,080 | December 30, 2024 |
Average auto insurance costs for mature drivers in Michigan (25-54)
The cost of car insurance tends to decrease as drivers get older. Below are the average costs of car insurance for drivers in Michigan between the ages of 25 to 54.
|
Age Group
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| 25-34 | $280 | $3,356 |
| 35-44 | $270 | $3,245 |
| 45-54 | $276 | $3,315 |
Cheapest minimum coverage in Michigan for a 35-year-old
Here are the most affordable insurers in Michigan for 35-year-olds with minimum coverage policies, according to real quotes for Jerry customers.
|
Age
|
Car Make and Model
|
Insurance Company
|
Monthly Quote
|
Date of Policy
|
|---|---|---|---|---|
| 35 | Ford Escape | Progressive | $257 | March 21, 2025 |
| 35 | Chevrolet Silverado | Bristol West | $61 | March 19, 2025 |
| 35 | Ford Flex | Progressive | $256 | March 17, 2025 |
| 35 | Pontiac Grand Am | Progressive | $103 | March 17, 2025 |
| 35 | Chevrolet Cruze | Bristol West | $130 | March 15, 2025 |
| 35 | Buick Regal | Bristol West | $230 | March 14, 2025 |
| 35 | Gmc Envoy | Bristol West | $165 | March 13, 2025 |
| 35 | Hyundai Genesis | Bristol West | $186 | March 12, 2025 |
| 35 | Chevrolet Malibu | Bristol West | $234 | March 10, 2025 |
| 35 | Dodge Grand Caravan | Progressive | $336 | March 9, 2025 |
Cheapest full coverage in Michigan for a 35-year-old
Below are the cheapest auto insurers in Michigan for 35-year-olds with full coverage.
|
Age
|
Car Make and Model
|
Insurance Company
|
Monthly Quote
|
Date of Policy
|
|---|---|---|---|---|
| 35 | Ford Escape | Bristol West | $181 | March 22, 2025 |
| 35 | Nissan Altima | Progressive | $96 | March 21, 2025 |
| 35 | Jeep Renegade | Progressive | $401 | March 19, 2025 |
| 35 | Nissan Kicks | Bristol West | $332 | March 18, 2025 |
| 35 | Dodge Durango | Progressive | $1,060 | March 13, 2025 |
| 35 | Jeep Cherokee | Bristol West | $525 | March 12, 2025 |
| 35 | Nissan Juke | Bristol West | $595 | March 7, 2025 |
| 35 | Toyota Tacoma | Progressive | $754 | March 7, 2025 |
| 35 | Honda Cr-V | Progressive | $181 | March 5, 2025 |
| 35 | Nissan Versa | Bristol West | $91 | March 5, 2025 |
Average car insurance costs for older drivers in Michigan (55+)
Car insurance costs tend to increase again once a driver reaches 65 or older.
Below are the average costs of car insurance for drivers in Michigan 55 and older.
|
Age Group
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| 55-64 | $253 | $3,033 |
| 65+ | $236 | $2,833 |
Cheapest minimum coverage in Michigan for a 65-year-old
Below are the cheapest auto insurers in Michigan for 65-year-olds with minimum coverage.
|
Age
|
Car Make and Model
|
Insurance Company
|
Monthly Quote
|
Date of Policy
|
|---|---|---|---|---|
| 65 | Ford Escape | Bristol West | $183 | March 6, 2025 |
| 65 | Hyundai Accent | Progressive | $170 | February 19, 2025 |
| 65 | Jeep Patriot | Bristol West | $87 | February 13, 2025 |
| 65 | Hyundai Tucson | Progressive | $109 | February 5, 2025 |
| 65 | Chevrolet Avalanche | Progressive | $161 | December 26, 2024 |
| 65 | Ford Taurus | Safeco | $202 | December 20, 2024 |
| 65 | Chevrolet Trailblazer | Progressive | $104 | December 7, 2024 |
| 65 | Nissan Rogue | Progressive | $93 | November 17, 2024 |
| 65 | Hyundai Sonata | Bristol West | $256 | November 11, 2024 |
| 65 | Ford Escape | Bristol West | $127 | November 11, 2024 |
Cheapest full coverage in Michigan for a 65-year-old
Here are the most affordable insurers in Michigan for 65-year-olds with full coverage policies, according to real quotes for Jerry customers.
|
Age
|
Car Make and Model
|
Insurance Company
|
Monthly Quote
|
Date of Policy
|
|---|---|---|---|---|
| 65 | Ram 1500 | Progressive | $483 | March 22, 2025 |
| 65 | Gmc Envoy | Progressive | $123 | March 11, 2025 |
| 65 | Jeep Grand Cherokee | Bristol West | $171 | January 23, 2025 |
| 65 | Gmc Terrain | Progressive | $132 | January 23, 2025 |
| 65 | Kia Sportage | Bristol West | $487 | January 21, 2025 |
| 65 | Ford Windstar | Progressive | $125 | December 13, 2024 |
| 65 | Dodge Charger | Bristol West | $177 | December 10, 2024 |
| 65 | Ford Explorer | Bristol West | $276 | November 27, 2024 |
| 65 | Chevrolet Trax | Progressive | $463 | November 12, 2024 |
| 65 | Gmc Terrain | Bristol West | $475 | November 5, 2024 |
Cheapest car insurance in Michigan by driving history
Your driving history is a big factor in your auto insurance premium. If you have a clean record, you’ll likely pay less than someone with violations like a speeding ticket or at-fault accident.
Cheap car insurance for drivers with clean records in Michigan
Below are the cheapest auto insurers in Michigan for drivers with clean driving records.
|
Insurance Company
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| Aspire Advantage | $46 | $558 |
| Dairyland | $137 | $1,643 |
| Embark General | $157 | $1,886 |
| The General | $172 | $2,062 |
| Assurance America | $173 | $2,071 |
Cheapest car insurance with a speeding ticket in Michigan
Here are the most affordable insurers in Michigan for those with a speeding ticket, according to real quotes for Jerry customers.
|
Insurance Company
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| Mendota | $41 | $491 |
| Gainsco | $91 | $1,088 |
| Safeco | $103 | $1,239 |
| Progressive | $228 | $2,734 |
| First Acceptance | $236 | $2,826 |
Cheapest car insurance after an at-fault accident with no injury in Michigan
These are the cheapest car insurance companies in Michigan for drivers with an at-fault accident with no injury, according to Jerry’s data.
|
Insurance Company
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| National General | $126 | $1,510 |
| Dairyland | $223 | $2,677 |
| Gainsco | $253 | $3,035 |
| Progressive | $256 | $3,070 |
| Safeco | $260 | $3,120 |
Cheapest auto insurance after an at-fault accident with injury in Michigan
Here are the most affordable insurers in Michigan for those with an at-fault accident with injury, according to real quotes for Jerry customers.
|
Insurance Company
|
Monthly Quote
|
Age
|
Car Make and Model
|
Date of Policy
|
|---|---|---|---|---|
| Bristol West | $366 | 28 | Toyota Prius | March 20, 2025 |
| Bristol West | $154 | 27 | Mitsubishi Outlander | March 12, 2025 |
| Safeco | $522 | 80 | Chevrolet Blazer | February 14, 2025 |
| Progressive | $153 | 42 | Buick Regal | January 31, 2025 |
| Bristol West | $1,051 | 24 | Chevrolet Trax | January 17, 2025 |
| Progressive | $263 | 24 | Ford Focus | October 5, 2024 |
| Progressive | $427 | 53 | Kia Rio | October 4, 2024 |
| Progressive | $324 | 60 | Kia Sedona | July 31, 2024 |
| Progressive | $160 | 26 | Chevrolet Traverse | June 15, 2024 |
| Bristol West | $75 | 64 | Ford F-150 | April 29, 2024 |
Cheapest car insurance with a DUI in Michigan
Here are the most affordable insurers in Michigan for those with a DUI, according to real quotes for Jerry customers.
|
Insurance Company
|
Monthly Quote
|
Age
|
Car Make and Model
|
Date of Policy
|
|---|---|---|---|---|
| Bristol West | $565 | 26 | Chrysler 300C | March 20, 2025 |
| Bristol West | $202 | 28 | Ford Freestyle | March 16, 2025 |
| Bristol West | $206 | 34 | Dodge Charger | March 16, 2025 |
| Progressive | $101 | 28 | Toyota Camry | March 12, 2025 |
| Progressive | $251 | 36 | Ford F-150 | March 4, 2025 |
| Progressive | $248 | 36 | Jeep Cherokee | February 27, 2025 |
| Bristol West | $139 | 32 | Jeep Commander | February 20, 2025 |
| Progressive | $336 | 28 | Jeep Commander | February 16, 2025 |
| Bristol West | $62 | 30 | Ford F350 | February 13, 2025 |
| Bristol West | $57 | 74 | Mercury Milan | February 9, 2025 |
Average auto insurance costs for Michigan drivers with other violations
Below are average car insurance costs in Michigan for other driving violations.
|
Violation Summary
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| Careless Driving | $315 | $3,785 |
| Defective Equipment | $177 | $2,122 |
| Driving on Sus. License | $228 | $2,737 |
| Eluding Police | $369 | $4,427 |
| Failure to Obey Traffic Sign | $265 | $3,183 |
Michigan no-fault insurance
Michigan is a no-fault state, which means your own auto insurance policy will cover expenses from an accident, no matter who was responsible.
Michigan drivers must have a type of car insurance called PIP, which covers medical expenses for you and your family members, as well as wage loss benefits, replacement services and damage you cause to others’ property.
You must choose between one of these PIP limits:
- Unlimited coverage.
- Up to $500,000 per person, per accident.
- $250,000 per person, per accident, with no PIP medical benefits if you — and any relatives on your policy — have qualifying healthcare coverage.
- $50,000 per person, per accident, if you’re enrolled in Medicaid. Any household members must either also be enrolled in Medicaid or have their own auto policy or qualifying health insurance.
- No PIP medical coverage if you’re a qualifying Medicare member, and members of your household either have their own auto policy or health insurance.
All drivers must also carry up to $1 million in PPI, which pays for property damage you cause in an accident.
Why is car insurance so expensive in Michigan?
Car insurance is expensive in Michigan because of factors like:
- The state’s unique and complex no-fault insurance system.
- A high percentage of uninsured drivers on the road. According to a 2023 Insurance Research Council report, more than 19% of Michigan drivers don’t have car insurance.
- Michigan has a high amount of deer collisions, which can cause vehicle damage and more insurance claims.
- Dangerous winter driving conditions like snow, sleet and black ice.
More: How car insurance rates are calculated
How to find cheap car insurance in Michigan
Compare car insurance quotes from multiple insurers to get the cheapest policy possible. Rates vary by company, sometimes significantly, so don’t assume your current insurer is offering the best price.
You can also try these tips to lower your car insurance premium:
- Ask about discounts you may qualify for.
- Install a telematic app on your phone.
- Pay your policy in full.
- Bundle your home and car insurance policies with the same company.
More: Best car insurance companies
Methodology
Data included in this analysis comes from policies that Jerry has quoted within the last 18 months. Jerry services 48 states and offers a range of insurance companies to choose from.
Ben Moore is a writer and editor at Jerry and an auto insurance expert. He previously worked as a writer, editor and content strategist on NerdWallet’s auto insurance team for five years. His work has been published in The Associated Press, Washington Post, Chicago Sun-Times, MarketWatch, Nasdaq and Yahoo News. He also served as a NerdWallet spokesperson, with appearances on local broadcast television and quotes in Martha Stewart and Real Simple magazine.
Ben has an extensive background in digital marketing, working on affiliate and programmatic advertising campaigns for brands like Cabela’s, H&R Block and Sears. He holds a bachelors degree in marketing from Olivet Nazarene University.
Annie is a writer and editor at Jerry and has more than a decade of experience writing and editing digital content. Before joining Jerry, she was an assistant assigning editor at NerdWallet, where she covered loans. Previously, she worked at USAA and newspapers in Minnesota, North Dakota, California, and Texas. She holds a bachelor’s degree in journalism from the University of Minnesota.
