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 24 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 under $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 | $243.25 |
| State-minimum car insurance in Michigan | $91.70 |
| Drivers with multiple claims in Michigan | $208.88 |
| Young drivers in Michigan | $128.41 |
5 cheapest car insurance companies in Michigan
Travelers, Secura and Wolverine Mutual have the lowest estimated rates on basic coverage for nearly every kind of driver on Michigan roads. Just remember that 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 auto insurance is available in most states and the District of Columbia. After running the numbers, we saw our Michigan driver profile qualify for auto insurance from Travelers for as little as $7.17 per month for minimum coverage. Travelers also offers home, renters, boat, RV and motorcycle insurance coverages.
Check out a review of Travelers auto insurance.2. Secura
In addition to Michigan, Secura auto insurance offers coverage in nine other states in the Midwest and Southwest. Policies for basic coverage start from as little as $15.02 a month for our Michigan driver. The company also offers Mile-Stone coverage, a combination of home and auto coverages — you may be able to save money when you bundle.
3. Wolverine Mutual
Wolverine Mutual offers auto insurance policies to residents of Michigan and Indiana. Drivers who fit our Michigan driver profile could see rates on basic coverage for as lowas $25.50 per month. Those looking for a quote can contact an independent agent. Wolverine Mutual also offers home, motorcycle, watercraft and RV coverages.
4. Chubb
Chubb insurance is one of the largest international insurance groups in the world and was bought by ACE Limited in 2016. Our standard driver profile qualified for rates on minimum coverage for as low as $35.58 per month. Chubb also insures classic cars.
5. USAA
Exclusively available to military members and their families, USAA provides basic auto insurance as low as $37 a month for Michigan drivers who match our ordinary driver. USAA consistently ranks near the top in J.D. Power’s yearly customer satisfaction rankings and offers renters, home, motorcycle and RV insurance.
Read a review of USAA auto insurance.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 | Travelers | $97/month |
| 2 | Secura | $97.54/month |
| 3 | Wolverine Mutual | $101.83/month |
| 4 | USAA | $104.02/month |
| 5 | Hastings Mutual | $106.25/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 | $7.16/month |
| 2 | Secura | $15.02/month |
| 3 | Wolverine Mutual | $25.50/month |
| 4 | Chubb | $35.58/month |
| 5 | USAA | $37/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 | Secura | $22.67/month |
| 2 | Travelers | $27.17/month |
| 3 | Chubb | $35.58/month |
| 4 | Pioneer State Mutual | $53.50/month |
| 5 | Wolverine Mutual | $60.83/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 | $14.17/month |
| 2 | Secura | $28.42/month |
| 3 | Wolverine Mutual | $48/month |
| 4 | USAA | $50.58/month |
| 5 | Chubb | $51.67/month |
Michigan auto insurance requirements
Michigan law requires a mandatory 20/40/10 no-fault insurance policy as minimum coverage in the state. Drivers should have, at minimum, liability coverage of at least $20,000 per person and $40,000 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 (or UBI) 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 $20,000 per person and $40,000 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 20/40/10 no-fault insurance policy.