Cheap Car Insurance in Michigan for 2022

Looking for affordable car insurance? Here are CheapInsurance.com’s expert tips and top selections for the cheapest car insurance rates in Michigan.

Michigan, also known as the Wolverine State, offers over three thousand miles of shoreline, ten thousand inland lakes, and endless acres of lush forest. But, even if you love the great outdoors, you’ll probably need a car to get around in Michigan.

There are over 7 million licensed drivers in Michigan’s population of around 10 million people. That means 70% of the population drive—and it doesn’t come cheap.

Drivers in Michigan pay up to 85% more in car insurance rates than the average cost of car insurance in other U.S. states. The reasons for this include:

• Your insurer has to cover your medical bills if you’re in an accident that wasn’t your fault. In most other states, the at-fault driver is responsible for paying the other party’s medical bills.
• Compulsory unlimited personal injury protection benefits.
• Michigan has one of the country’s highest rates of insurance fraud.
• A large percentage of Michigan drivers are uninsured, so car insurers are forced to increase their premiums to make up for the deficit.
• There is a large number of personal injury lawsuits in Michigan.

Finding affordable car insurance companies in Michigan isn’t easy, but knowing where to start is half the job done.

We’ve done the research to compare quotes and help you find the cheapest car insurance rates in Michigan for these types of drivers:

• Good drivers with a clean driving record.
• Young drivers.
• High-risk drivers with a history of traffic violations.

Where To Find Cheap Minimum Liability Car Insurance In Michigan

Your liability car insurance is designed to cover third parties and their property in the event of an accident that you’ve caused while driving. If, for example, you damage another person’s property, you’ll be held liable to pay for repairs or replacement.

These costs can run into thousands of dollars, and the state knows that most drivers don’t have enough money saved to cover these costs.

That’s why almost every U.S. state mandates that drivers need liability car insurance to help them cover the cost.

Every state has different minimum liability car insurance requirements, but it always covers three key aspects:

• Bodily injury coverage per person.
• Bodily injury coverage per accident.
• Property damage coverage per accident.

In Michigan, the minimum liability insurance coverage requirements are:

• $20,000 bodily injury liability insurance per person.
• $40,000 bodily injury liability insurance per accident.
• $10,000 property damage liability per accident outside Michigan.

Every driver in Michigan needs to have a minimum liability plan in case they’re in an accident. If you do not have a minimum insurance liability policy, not only are you breaking the law—you’ll also be held personally responsible for paying for the third party’s legal bills, medical bills, or lost wages arising from the accident.

Most car insurance companies carry liability insurance plans that meet these minimums, and these are usually some of the cheapest policies around.

On average, minimum liability car insurance in Michigan costs $409.55.

According to our research, Esurance provides the cheapest car insurance rates for minimum liability coverage, costing an average of $177.10.

The Cheapest Comprehensive Car Insurance In Michigan

While liability insurance protects your finances in the event of an at-fault car accident, it doesn’t cover your own vehicle from damage or theft.

In order to make sure your car is covered, you’ll need a comprehensive car insurance policy.

Comprehensive car insurance covers your car in the following scenarios:

• Theft or theft of parts.
• Noncrash damage (e.g. natural disasters, fire, flooding).
• Broken windshield.
• Car damage from hitting an animal.

According to our research, the three cheapest comprehensive car insurance companies in Michigan are:

• Bristol West.
• Esurance.
• State Auto

Cheap Car Insurance In Michigan For Drivers With Clean Driving Records

If you have a clean driving record and haven’t been found guilty of serious traffic offenses over the past five years, you’re in a great position to find the best cheap car insurance in the state.

Some car insurance companies will even offer you a good driver discount, further decreasing the cost of your car insurance policy.

Some car insurance companies also offer additional discounts to drivers who have completed a registered defensive driving course.

If you aren’t sure whether your auto insurance company offers this, call your insurance agent to find out which courses make you eligible for a discount.

If you have a clean driving record, Esurance offers the cheapest auto insurance rates with an average monthly cost of $186.79.

To make sure you’re getting the best price, you should also check how much your rates would amount to with the second cheapest auto insurance company, State Auto.

Cheap Car Insurance In Michigan For High-Risk Drivers

If auto insurance companies consider you to be a high-risk driver, they may increase the cost of your insurance rates.

Some of the violations that may lead to being classified as a high-risk driver include:

• Speeding tickets.
• At-fault accidents.
• Being a teenage driver.
• Poor credit score.
• A DUI/DWI conviction.
• Living in a high-risk area.
• Fleeing the scene of an accident.
• Getting too many points on your driving record.

In Michigan, a DUI offense is likely to increase your car insurance premiums significantly. The cheapest car insurance company for high-risk drivers is Bristol West for $496.40.

Cheapest Car Insurance In Michigan For Young Drivers

According to the CDC, drivers aged 16-19 are three times as likely to be involved in a fatal crash compared to drivers over 20 years old.

Because young drivers are less experienced and have a higher chance of being in an accident, their car insurance rates are usually higher to compensate insurers for the increased risk of providing coverage.

By comparing car insurance quotes for young drivers, we found that Bristol West offers the cheapest auto insurance rates in Michigan, with their insurance costing $361.40.

Looking For Cheap Car Insurance In Other States?

If you’re planning to move out of Michigan and want to find cheap insurance in another state, read our comprehensive guides to finding the best car insurance rates in 2022.

Our Tips For Choosing Car Insurance In Michigan

Lender Requirements

If you’re financing or leasing your car, your lender is likely to require you to have comprehensive car insurance and collision insurance.

If you don’t have the required coverage, your lender may add single-interest insurance to the total cost of your loan repayment.

Over time, this is much more expensive than traditional insurance because you will also be paying off the additional interest.

Your Unique Needs

If you simply drive your car to work, the grocery store, and to visit friends and family, then you probably won’t need any unique additions to your car insurance policy.

If you use your car for long-distance driving, work (such as ridesharing or deliveries), or live between two states, you should factor these requirements into your car insurance.

Not all car insurance companies will cover your car if you use it for work deliveries or ridesharing. Remember, your car must be covered in the state you live in, so if you frequently live or travel between multiple states, you will need to bring this to your insurer’s attention.

Get Multiple Quotes

Even if you think you’ve found a good deal on car insurance, it’s always best to shop around for a lower rate.

You can do this yourself, but going through an insurance agent can save you a lot of time and money.

To get multiple quotes, and see auto insurance rates and premiums from different providers in Michigan, you can use our quote finder to compare various options.

Top Car Insurance Companies In Michigan

1. Bristol West

Founded as a car insurance company in Florida in 1973, Bristol West has since expanded their footprint nationally and is one of the top ten U.S. insurers in terms of market share.

Today, they are a member of the Farmers Insurance Group of Companies, one of the largest insurance companies in the U.S.

Originally created to provide insurance policies for high-risk drivers, Bristol West offers most of the same coverage options as standard car insurance companies.

Even if you aren’t classified as a high-risk driver, you may be able to find cheaper auto insurance premiums with Bristol West.

Some of the services and benefits they offer, include:

• Multiple policy bundling discounts.
• Personalized car insurance policies.
• Rideshare coverage.
• Medical payments.
• Gap coverage.
• Towing and roadside assistance.
• Rental car reimbursement.

2. Esurance

Founded in 1999, Esurance’s headquarters are in San Francisco and they operate in over 30 U.S. states.

In 2011, Esurance was acquired by All State, the largest insurance company in the U.S. and one of the largest corporations in the world.

The types of insurance they offer, include:

• Car insurance.
• Motorcycle insurance.
• Homeowners insurance.
• Renters insurance.
• Business insurance.

3. State Auto

Since 1921, State Auto has grown from $15,000 in assets to a $3 billion organization.

The company prides itself on being innovators with a desire to do things differently, especially within the areas of:

• Overall customer service.
• Customer flexibility.
• Innovation and technology.

Today, the company positions itself as a technology and transformation company, and continues to provide car insurance policies in 33 U.S. states, along with homeowners insurance, personal insurance, and umbrella insurance.

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