GEICO has the cheapest car insurance rates in Michigan, with an average monthly cost of $89 for a full-coverage policy. GEICO is 56% cheaper than the average cost of car insurance in Michigan, which is $2,425 per year.
Besides GEICO, the cheapest car insurance in Michigan comes from USAA — if you’re in the military — along with MetLife (now a part of Farmers), Progressive, and Meemic. You should always compare prices to make sure you find the cheapest company for you.
Company | Average cost | |
|---|---|---|
$89/month | ||
$101/month | ||
$118/month | ||
$133/month | ||
$136/month |
Methodology & why you can trust our rates
Policygenius has analyzed car insurance rates provided by Quadrant Information Services for every ZIP code in all 50 states plus Washington, D.C. For full coverage policies, the following coverage limits were used:
Bodily injury liability: $50,000 per person/$100,000 per accident
Property damage liability: $50,000
Uninsured/underinsured motorist: $50,000 per person/$100,000 per accident
Comprehensive: $500 deductible
Collision: $500 deductible
In some cases, additional coverages were added where required by state or insurer.
Rates for overall average rate, rates by ZIP code, and cheapest companies determined using averages for single drivers ages 30, 35, and 45. Our sample vehicle was a 2017 Toyota Camry LE driven 10,000 miles/year.
Rates for driving violations and “Poor” credit determined using average rates for a single male 30-year-old driver with a credit score under 578.
Some carriers may be represented by affiliates or subsidiaries. Rates provided are a sample of costs. Your actual quotes may differ.
Cheapest car insurance companies in Michigan
Since Michigan is one of the most expensive states for car insurance, it’s extra important for Michigan drivers to compare rates from multiple companies before choosing a policy. The cheapest company for one driver may not always be the cheapest for another, so be sure to take time to shop around.
Company | Average annual cost | JD Power Rating |
|---|---|---|
GEICO | $1,071 | 874 |
USAA | $1,210 | 890 |
MetLife | $1,417 | -- |
Progressive | $1,597 | 861 |
Meemic | $1,628 | -- |
GEICO is nationally available and often has some of the cheapest rates. GEICO gets fewer service complaints than average, even though claims satisfaction can be mixed. Drivers can also customize their car insurance from GEICO with a few useful add-ons.
Pros
Available in every state and the District of Columbia
Usually has some of the cheapest rates
Gets fewer complaints than expected for its service
Allows drivers to add different types of useful coverages to a basic policy
Cons
Mixed reputation for claims satisfaction
Read our full GEICO car insurance review
GEICO has the best and cheapest car insurance in Michigan. We found that auto insurance from GEICO costs $89 per month, or $1,071 per year. That’s $1,354 cheaper than the average annual cost in Michigan.
USAA is one of the most reliably cheap car insurance companies in the country. It also has a long-standing reputation for great customer service. Unlike other providers, USAA is only offered to drivers who are affiliated with the military.
Pros
Offers coverage in every state and the District of Columbia
Usually has some of the cheapest car insurance rates of any company
Drivers can use discounts to lower their rates
Consistently high customer satisfaction
Cons
Limited options for adding extra coverage
Only available to members of the military, veterans, and their families
Read our full USAA auto insurance review
USAA has the second-cheapest car insurance rates in Michigan at an average of $101 per month, or $1,210 per year. But you’ll only be able to qualify for USAA coverage If you’re in the armed forces or a part of a military family.
Michigan drivers with an accident, DUI citation, or speeding ticket on their records can also usually still get cheap insurance from USAA even with a past driving violation.
MetLife’s home and auto insurance business was acquired by Farmers in 2021, so drivers with a MetLife policy were switched over to Farmers, which is known for high customer service ratings and a broad range of coverage offerings.
Pros
Wide range of extra coverage types to add to a basic policy
Coverage for customized, spare, and original parts
Affordable rates even after a driving violation or crash
Harge number of discounts for different types of drivers
Consistently highly rated customer service
Cons
Higher rates than average for drivers 25 years old and younger
MetLife has historically been one of the cheapest car insurance options in Michigan, with an average cost of $118 per month (or $1,417 per year). Farmers Insurance now owns MetLife’s auto insurance business, but it’s still a good option for drivers looking for robust coverage at affordable rates.
Meemic offers cheap insurance in a handful of states to educators, including teachers, support staff, and administrators. Meemic’s affordable policies are basic as far as protection goes, but fewer customers than average complain about their service.
Pros
Rates are often cheaper than average
Offers a handful of discounts, including one for new teachers
Standard policies include original parts coverage
Receives fewer complaints than average in the industry
Cons
Available only to teachers and educators in just four Midwestern states
Premiums are more expensive than average after a violation or crash
If you’re a teacher or work in education, you may find cheap insurance in Michigan from Meemic. A small insurance company, Meemic has the fifth-cheapest auto insurance in Michigan, with average rates of $136 per month ($1,626 per year). That’s $797 less than the statewide average.
Progressive usually offers rates that are around (or cheaper than) average. But drivers with a past driving violation may find that Progressive offers better rates than other companies. Its number of coverage add-ons also sets Progressive apart.
Pros
Rates tend to be around average compared to other companies
Lots of useful endorsements to upgrade a basic policy
Wide range of discounts to help save money
Affordable policies for high-risk and newly-licensed drivers
Cons
Mixed reputation for customer service
Read our full Progressive car insurance review
Progressive is another option for cheap car insurance in Michigan. On average, auto insurance from Progressive costs $133 per month, meaning that Michigan drivers could save $828 per year compared to average.
Cheapest car insurance companies by age in Michigan
Teens and young drivers pay the most for car insurance, and in an already-pricey state like Michgan, rates for young drivers can be sky-high. But don’t worry, as long as you maintain a clean driving record, rates should fall as you age and gain experience.
The cheapest car insurance company in Michigan for most young drivers is GEICO.
Age | Cheapest company | Average cost |
|---|---|---|
16 | GEICO | $3,108 |
18 | GEICO | $2,395 |
21 | GEICO | $1,515 |
25 | GEICO | $1,094 |
30 | GEICO | $1,071 |
35 | GEICO | $1,071 |
45 | GEICO | $1,071 |
55 | MetLife | $956 |
60 | MetLife | $836 |
65 | MetLife | $1,037 |
70 | USAA | $1,162 |
Choosing the right car insurance company in Michigan
Buying car insurance can seem daunting, but it’s a lot easier if you break it down into key factors to consider while you shop.
Cost: Look at the rates offered by each insurer to see which is the lowest — the only way to be sure you’re getting a good deal is to compare multiple options
Coverage: The more coverage you get, the better protected you’ll be, so see which company offers you the highest coverage limits at the lowest rates
Service: In addition to cost, compare customer service and claims satisfaction ratings to make sure you’re choosing a company that will be there for you when you need them
Car insurance rates for drivers with driving violations in Michigan
The more tickets and accidents you have on your record, the higher your rates will be. Drive with care, avoid accidents, and stay within posted speed limits if you want a better rate on your car insurance.
We found that the cheapest company after a driving violation in Michigan is often USAA or Progressive.
Violation | GEICO | USAA | MetLife | Progressive | Meemic | Auto-Owners Insurance |
|---|---|---|---|---|---|---|
At-fault accident | $2,777 | $1,768 | $2,675 | $2,082 | $2,316 | $2,782 |
Suspended license | $2,375 | $2,265 | $3,389 | $2,012 | $3,952 | $2,153 |
Open container | $5,262 | $2,265 | $1,675 | $1,963 | $1,945 | $2,153 |
Expired registration | $2,375 | $1,603 | $1,675 | $1,963 | $1,945 | $1,864 |
Driving without lights | $2,375 | $1,603 | $1,675 | $1,963 | $1,945 | $2,153 |
Running a red light | $2,375 | $1,603 | $1,675 | $1,963 | $1,945 | $2,153 |
Following too closely | $2,375 | $1,603 | $1,675 | $1,963 | $1,945 | $2,153 |
Hit and run | $3,743 | $2,265 | $3,099 | $2,012 | $3,952 | $4,400 |
Not-at-fault accident | $1,071 | $1,250 | $1,601 | $2,003 | $1,642 | $1,864 |
Passing a school bus | $2,375 | $2,081 | $1,675 | $1,963 | $1,945 | $2,423 |
Reckless driving | $2,777 | $2,081 | $3,099 | $2,012 | $3,952 | $4,400 |
→ Read more about finding cheap SR-22 insurance in Michigan
Cheapest car insurance for drivers with a DUI in Michigan
Michigan drivers pay some of the highest car insurance rates in the country, but drivers with a DUI or DWI will pay even higher car insurance rates than drivers with a clean driving history. The average annual car insurance rate in Michigan is $2,425 per year, but drivers with a DUI pay even higher rates, with an average of $6,469 per year, which is 166% higher than the state average.
But rates vary from one company to the next, even for drivers with a DUI, which means drivers can save money on car insurance by comparing quotes from multiple companies. According to our research, the companies with the lowest rates for drivers with a DUI in Michigan are Progressive, USAA, and Metlife.
Company | Rates for drivers with DUIs |
|---|---|
Progressive | $1,811 |
USAA | $2,265 |
MetLife | $3,099 |
Meemic | $3,952 |
Auto-Owners Insurance | $4,400 |
GEICO | $7,191 |
Cheapest car insurance for drivers with a speeding ticket in Michigan
Michigan drivers with a speeding ticket or other moving violation are likely to see their insurance rates go up. The average cost of car insurance for a driver with a speeding ticket in Michigan is $3,629 per year.
But Michigan drivers with a speeding ticket can still save money on car insurance, even with higher-than-average rates. Our research shows the companies offering the lowest rates for drivers in Michigan with a speeding ticket are USAA, Metlife, and Progressive.
Company | Rates for drivers with speeding tickets |
|---|---|
USAA | $1,769 |
MetLife | $1,780 |
Progressive | $1,938 |
GEICO | $2,375 |
Meemic | $2,582 |
Auto-Owners Insurance | $2,872 |
Cheapest car insurance for drivers with bad credit in Michigan
In many states, companies consider your credit score as one of many factors when calculating your car insurance rates. Drivers with poor credit scores may have a hard time finding cheap insurance.
On average, the cheapest car insurance company in Michigan for drivers with bad credit is GEICO.
Company | Rates for drivers with bad credit |
|---|---|
GEICO | $1,756 |
Meemic | $2,706 |
USAA | $2,710 |
Progressive | $2,826 |
MetLife | $2,933 |
Car insurance costs in Michigan cities
The number of accidents and claims in your city, as well as rates of car theft and vandalism and repair costs, all affect how much you’ll pay.
Here are the average annual car insurance rates in the 10 largest cities in Michigan.
Detroit: $5,609
Grand Rapids: $2,126
Warren: $3,590
Sterling Heights: $3,015
Lansing: $2,264
Ann Arbor: $2,195
Flint: $3,171
Dearborn: $4,225
Livonia: $2,459
Troy: $2,822
Buying car insurance in Michigan
Michigan law requires every driver to have car insurance. The minimum amount of coverage required is:
Bodily injury liability coverage per person: $20,000
Bodily injury liability coverage per accident: $40,000
Property damage liability coverage: $10,000
Personal injury protection: Required level depends on health insurance
Uninsured/underinsured motorist coverage: Optional
Michigan is somewhat unique in that drivers are required to have Personal Injury Protection (PIP), which covers your injuries after an accident. PIP is required in all no-fault states, but in Michigan, the exact amount of PIP you need depends on your health insurance coverage, and some qualifying drivers may be able to decline PIP coverage.
How to get cheap car insurance in Michigan
There are a few basic tips for making sure you’re getting the most affordable rates on your car insurance.
Drive safely: Keep accidents and driving violations to a minimum for a better rate
Watch your credit: A higher credit score means lower car insurance rates, so make payments on time and pay down debts when you can
Compare quotes: Compare policies before you buy to make sure you’re getting the best rates available
Know your discounts: Most car insurance companies offer a range of discounts, for everything from paying your policy in full to being a safe driver to getting good grades, so make sure you’re getting the savings you qualify for
Bundle policies: Get your auto and home or renters insurance through the same company and save on both
Find car insurance in your city:
List of auto insurance companies in Michigan
Still looking for the right car insurance company? There are many options to choose from. Below is a list of the largest auto insurance companies in Michigan by market share, according to the National Association of Insurance Commissioners (NAIC) 2021 property & casualty market share report. [1]
Company | Market share |
|---|---|
Progressive | 20.44% |
State Farm | 17.09% |
Auto Club of Michigan | 13.95% |
Auto-Owners Insurance | 10.93% |
Allstate | 7.64% |
The Hanover | 6.74% |
Liberty Mutual | 4.64% |
Michigan Farm Bureau | 4.38% |
USAA | 2.68% |
Farmers | 1.94% |
Frequently asked questions
Who has the cheapest car insurance rates in Michigan?
According to our analysis, USAA has the cheapest car insurance rates in Michigan. As USAA is just for drivers affiliated with the military, GEICO is the company in Michigan with the cheapest rates for most other drivers.
How much is car insurance monthly in Michigan?
The average cost of car insurance in Michigan is $202 per month, or $2,425 per year.
How much car insurance is required in Michigan?
Michigan requires more coverage than other states. Drivers have to have at least $50,000 of bodily injury liability per person, $100,000 per accident, and $10,000 of property damage liability. Depending on your health insurance coverage, you could have to get at least $500,000 of personal injury protection.
Is Michigan a no-fault state?
Yes, Michigan is a no-fault state. This means that the car insurance of each driver will pay for their injuries after a car accident, regardless of who was at fault in the accident. But unlike most no-fault states, the amount of PIP required in Michigan depends on your health insurance coverage.
