In a Nutshell
The average cost of car insurance in Michigan varies based on individual circumstances, such as age, driving history and vehicle. We’ve crunched the data for several different types of drivers and coverage and found some of the lowest-cost insurers for basic coverage in the Great Lakes State.Note from our editor: Maybe you’re searching for car insurance for the first time or want to do some insurance shopping to help lower your monthly premium? This article can serve as a starting point for your car insurance research. There are a lot of factors when it comes to the cost of car insurance, so while you may not see the exact premiums we’ve researched, they can give you an idea of some of the insurers offering the cheapest rates in your state.
Driving in Michigan can be a treat with its scenic byways and miles of shoreline. But are you getting the best rate you can for auto insurance in the Great Lakes State?
We studied estimated rates from insurance companies in Michigan and calculated average cost, as well as cheapest estimated rates on basic coverage and different driver needs.
Unless otherwise noted, we based our calculations on a relatively neutral driver profile — no accidents, tickets or claims, for example — in order to evenly compare rates (see our full methodology). The rates you get may be higher or lower given not only your individual driving history but other factors that affect car insurance like your age, vehicle type, mileage and coverage options. Michigan is one of five states that doesn’t use credit scoring to determine auto insurance premium cost.
Read on to learn about Michigan’s average car insurance rates and our findings for the cheapest options for minimum coverage in the state.
- Cost of car insurance in Michigan
- 5 cheapest car insurance companies in Michigan
- Cheapest full-coverage car insurance in Michigan
- Cheapest state-minimum car insurance in Michigan
- Cheapest car insurance for drivers with multiple claims in Michigan
- Cheapest car insurance for young drivers in Michigan
- Michigan auto insurance requirements
- Is usage-based insurance available in Michigan?
- FAQs about the cheapest car insurance rates in Michigan
- Methodology
Cost of car insurance in Michigan
Average monthly premiums for car insurance in Michigan range from just over $100 up into the $200s, depending on type of coverage and who’s behind the wheel.
Average monthly auto insurance premiums in Michigan
| Driver or coverage | Avg. monthly cost |
|---|---|
| Full-coverage car insurance in Michigan | $268.00 |
| State-minimum car insurance in Michigan | $102.49 |
| Drivers with multiple claims in Michigan | $233.79 |
| Young drivers in Michigan | $165.43 |
5 cheapest car insurance companies in Michigan
We’ve calculated rates based on a specific Michigan driver profile, as detailed in our methodology, to assess insurers evenly and get the best sense of costs for an average driver — so your actual rates could be different. Characteristics include driver age of 36 to 45, no tickets or coverage gaps, and a $20,000 to $30,000 car value.
1. Travelers
Travelers car insurance is available in most states and offers customers who remain accident- and violation-free with a decreasing deductible every six months. Standout coverage options include new-car replacement coverage and accident forgiveness. Prospective customers can get a quote online, over the phone or through a local agent. Read reviews of Travelers to learn more.
2. Wolverine Mutual
Founded in 1917, Wolverine Mutual offers auto insurance policies to residents of Michigan and Indiana. The insurer also offers home, motorcycle, watercraft and RV policies. To get a quote, potential customers can fill out an online form to get connected with an agent.
3. USAA
USAA is available to military members and their families. USAA auto insurance is available nationwide with various discount opportunities, including unique savings for deployed military members. The USAA app allows members to manage their policy from their mobile devices. USAA offers standard and optional coverage options. Read reviews of USAA to learn more.
4. Meemic Insurance Company
Meemic Insurance Company is based in Michigan and provides car insurance in a few states. The company offers basic coverage options and focuses on providing exclusive benefits and discount opportunities to teachers and educators. For example, educators can save up to 40% or more and have multiple discount opportunities.
5. Pioneer State Mutual
Pioneer State Mutual has been offering coverage for individuals, farms and businesses since 1908 through its network of independent agents. In addition to its standard car insurance offerings, Pioneer State Mutual offers a bundled package that includes new car replacement coverage, trip interruption insurance and other extras. Additionally, policyholders can manage payments and claims and even access their insurance cards through Pioneer State Mutual’s mobile app.
Cheapest full-coverage car insurance in Michigan
For our Michigan driver, the following companies have the lowest estimated rates for full-coverage insurance. Full coverage is typically defined as including liability, property damage, uninsured motorist, personal injury protection, collision and comprehensive coverages.
5 cheapest full-coverage car insurance companies in Michigan
| 1 | Wolverine Mutual | $94/month |
| 2 | Hastings Mutual | $95.67/month |
| 3 | Travelers | $97.67/month |
| 4 | USAA | $121.25/month |
| 5 | Geico | $127.50/month |
Cheapest state-minimum car insurance in Michigan
Looking at state-minimum coverage in Michigan, we’ve found that the following car insurance companies have the lowest estimated rates.
5 cheapest car insurance companies in Michigan for state-minimum coverage
| 1 | Travelers | $7.83/month |
| 2 | Wolverine Mutual | $21.83/month |
| 3 | USAA | $42.47/month |
| 4 | Meemic Insurance Company | $48/month |
| 5 | Pioneer State Mutual | $50.83/month |
Cheapest car insurance for drivers with multiple claims in Michigan
If you’ve got multiple auto insurance claims in your past, you’re probably shopping around for the best rate in Michigan. The following companies have the lowest estimated rates on minimum coverage for drivers with multiple claims.
5 cheapest car insurance companies in Michigan for multiple claims
| 1 | Travelers | $29.50/month |
| 2 | Wolverine Mutual | $53.67/month |
| 3 | Pioneer State Mutual | $55.92/month |
| 4 | Fremont Mutual | $61.50/month |
| 5 | USAA | $87.42/month |
Cheapest car insurance for young drivers in Michigan
With only a few years of driving behind them, younger drivers might be seen as a higher risk and face more-expensive car insurance rates. Here are our picks to help you out if you’re looking for the lowest estimated rates on minimum coverage for young Michigan drivers between the ages of 18 and 21.
5 cheapest car insurance companies in Michigan for young drivers
| 1 | Travelers | $15.33/month |
| 2 | Wolverine Mutual | $49.33/month |
| 3 | USAA | $61.46/month |
| 4 | Meemic Insurance Company | $78.33/month |
| 5 | Pioneer State Mutual | $91.33/month |
Michigan auto insurance requirements
Michigan law requires a mandatory 50/100/10 no-fault insurance policy as minimum coverage in the state. Drivers should have, at minimum, liability coverage of at least $50,000 per person and $100,000 per accident for bodily injuries, with at least $10,000 of property damage coverage. If you have a car loan or lease, your coverage responsibilities may be more extensive.
Is usage-based insurance available in Michigan?
Usage-based insurance is vehicle insurance that allows customers to pay premiums based on their driving behavior or mileage. UBI is available in Michigan. Costs are often calculated by vehicle type, distance, behavior, place and other factors.
FAQs about the cheapest car insurance rates in Michigan
Michigan law requires drivers have a mandatory 20/40/10 no-fault insurance policy, including coverage for personal injury protection, property protection, residual bodily injury and property damage liability. That’s less strict than some other states but more so than others, putting Michigan auto insurance requirements about in the middle of state minimums across the U.S.
Drivers in Michigan need $10,000 of property damage coverage and liability coverage of at least $50,000 per person and $100,000 per accident.
Michigan PIP coverage pays out expenses for medical care, including recovery, rehab and some funeral expenses.
Methodology
The estimated rates in this article are the lowest estimated rates based on the specific profile of a driver age 36 to 45 living in Michigan. Unless otherwise noted, the rates displayed assume a single driver on the insurance policy with no tickets on their driving record and no claims or coverage lapses. The vehicle used in this estimate is valued between $20,000 and $30,000 and has annual mileage of 12,000 to 15,000. Estimated rates for young drivers include those age 18 to 21. Estimated rates for those with multiple claims are calculated based on two claims.
Quadrant Information Services doesn’t include all insurance companies in its rate data. These are estimated rates meant only to provide a frame of reference and comparison. Your rate may vary depending on a range of factors that affect car insurance, such as your age, vehicle driving habits and history. Note that the rates are provided every six months by Quadrant Information services.
Average monthly premium for full coverage car insurance includes bodily injury, property damage, uninsured motorist, personal injury protection, collision and comprehensive coverages. Average monthly premium for state-minimum car insurance includes Michigan-mandated 50/100/10 no-fault insurance policy.