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A view of the Detroit skyline.

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.

Key Point: Is Minimum Liability Coverage Enough?

Like the name suggests, minimum liability gives you the lowest legal amount of coverage. While minimum liability plans are affordable, they may not provide comprehensive security in the event of an accident.

If you drive frequently, these plans may not provide enough coverage for you.

But, if you want to insure an older car that you don’t drive frequently, minimum liability insurance may be enough to meet your needs at a lower monthly cost.

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.

ProviderWayne CountyOakland County Macomb CountyKent CountyGenesee CountyAverage
Bristol West$477.00$418.00$572.00$225.00$434.00$425.20
AAA$812.26$695.43$775.38$720.20$716.36$743.93
Geico$431.20$270.30$270.30$199.90$288.20$291.98
Esurance$237.91$141.95$189.93$142.45$173.27$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
 
ProviderWayne CountyOakland County Macomb CountyKent CountyGenesee CountyAverage
Bristol West$246.00$249.00$304.00$176.00$246.00$244.20
State Auto$325.00$320.00$332.00$207.00$291.00$295.00
AAA$884.68$751.22$842.70$780.46$775.02$806.82
Geico$733.00$459.50$459.50$339.70$490.00$496.34
Esurance$298.88$183.10$239.41$183.93$218.75$224.81

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.

Key Point: What Is a Good Driver Discount?

A good driver discount (sometimes called a safe driver discount) is a discount that some car insurance companies offer to drivers who have a clean record without any:

  • At-fault accidents.
  • Major violations.
  • Speeding tickets.
  • Reckless driving charges.
  • Major car insurance claims.

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.

ProviderWayne CountyOakland County Macomb CountyKent CountyGenesee CountyAverage
State Auto$322.00$318.00$330.00$205.00$288.00$292.60
Bristol West$554.00$492.00$667.00$259.00$508.00$496.00
AAA$821.56$702.36$783.94$727.69$723.74$751.86
Geico$582.20$364.90$364.90$269.80$389.10$394.18
Esurance$249.40$150.94$199.59$151.61$182.43$186.79

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.

ProviderWayne CountyOakland County Macomb CountyKent CountyGenesee CountyAverage
Bristol West$549.00$491.00$663.00$274.00$505.00$496.40
USA Underwriters$654.00$621.00$623.00$561.00$681.00$628.00
AAA$1,527.75$1,137.77$1,409.28$1,189.30N/A$1,316.03

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.

ProviderWayne CountyOakland County Macomb CountyKent CountyGenesee CountyAverage
Bristol West$440.00$310.00$394.00$248.00$415.00$361.40
State Auto$568.00$561.00$579.00$343.00$499.00$510.00
AAA$929.21$786.13$882.21$815.98$810.08$844.72

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.

Florida
California
New York
Illinois
Nevada
Arizona

 

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.

Key Point: What Is Umbrella Insurance?

Umbrella insurance is insurance that provides additional protection beyond the existing limits and coverage of other insurance policies.

If the value of your assets is higher than their insured amount, it’s a good idea to get umbrella insurance to cover the gap if you need to make a claim.

Use your zip code to see about the best deals.

Car Insurance In Michigan FAQs

Do I need to have car insurance in the state of Michigan?

Michigan’s law requires all drivers to meet the minimum car insurance requirements. These 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.
 

If you have bought your car on finance, your lender may have additional insurance requirements that you need to meet as part of your loan agreement.

Is car insurance expensive in Michigan?

Drivers in Michigan pay up to 85% more in car insurance rates than the median cost of car insurance in other U.S. states. Some of 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.
 

Despite this, it is still possible to find car insurance you can afford in Michigan.

We recommend comparing quotes from various insurers, or getting in touch with one of our insurance agents to help you find the best price on a policy that suits your needs.
Which auto insurance company has the cheapest car insurance in Michigan?

The monthly cost of your car insurance will depend on a range of factors, including what type of driver you are.

According to our research, the cheapest car insurance for each type of driver is:

  • Cheapest car insurance for good drivers: Esurance for $186.79. 
  • Cheapest car insurance for high-risk drivers: Bristol West for $496.40.
  • Cheapest car insurance for young drivers: Bristol West for $361.40
 

How much does car insurance cost in Michigan?

The total cost of your car insurance will depend on a range of unique factors, including:

  • Your age.
  • Your driving history.
  • Which Michigan county you live in.
  • The total value of your car.
  • Your credit record.
 

We found that, on average, the lowest cost of minimum liability car insurance in Michigan is $409.55.

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

What is the best car insurance in Michigan?

There’s no one-size-fits-all solution to finding the best car insurance. To find a provider that best suits your needs, consider which aspects of insurance are the most important to you:

  • The best pricing.
  • Excellent customer service.
  • A digital app or online portal.
  • Customizable coverage.
  • Benefits.
  • Good driver discounts.
 

Once you know what you’re looking for, you can compare quotes from a number of car insurance companies to find the policy that best suits your needs.

Michigan-car-insurance

Getting Cheap Car Insurance In Michigan

Though Michigan may have high car insurance premiums on average, it’s still possible to find affordable coverage. Here are some tips to help you find the right car insurance provider for your needs:

  1. Get a quote: Ask for quotes from several insurance providers before deciding on the best option for you.
  2. Increase your deductible: High-deductible plans usually include a lower monthly premium.
  3. Be a defensive driver: Stay on defense and maintain a good driving record to keep insurance costs low.
  4. Michigan insurance programs: Find out if you’re eligible for the state’s discounted car insurance programs.

Michigan Car Insurance Discounts

If you’re a good driver or get good grades in school, you may qualify for cheap car insurance in Michigan. Here are some discounts that may be available:

Good Driver: Michigan drivers who avoid accidents and traffic violations may get cheaper car insurance.

Good Student: Are you a teen or young adult with good grades? If so, you might qualify for discounted insurance.

What is the penalty for driving without insurance in Michigan?

Driving without insurance in Michigan could result in a fine of up to $500, jail time, and suspension of driver’s license and license plates.

What is driving like in Michigan?

There are more than 4,800 crashes annually in several counties, including Saginaw, Ottawa, and Washtenaw. Wayne, Oakland, and Macomb counties are the top counties for crashes, according to 2020 data. Michigan has one of the highest percentages of uninsured drivers in the nation—25.5%.

How can I save money on my car insurance policy in Michigan?

Save money on car insurance by asking your car insurance provider about the following discounts:

  • Discounts for insuring more than one car
  • Discounts for teens, good grades, good driving, or mature drivers
  • Discounts for having airbags, anti-theft devices, or other features 
  • Discounts for payment installment plans
  • Discounts for high-deductible plans

Other Types of Coverage

What if minimum coverage doesn’t work best for your situation? Here are some other popular types of coverage that you may like to look into:

Uninsured Motorist Coverage (UMC)/Underinsured Motorist coverage (UIM)

Medical Payments Coverage

Physical Damage Coverage

Additional kinds of coverage 

Endorsements and Riders

  • Towing and road service
  • Rental car reimbursement 
  • Gap insurance

Cities We Cover In Michigan

Cheap car insurance in Michigan is easier to find than you may think. Head to the following cities to shop for affordable coverage:

Enter your Zip Code and get a
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