Home Car insurance Car insurance rates by state Cheapest car insurance in Michigan Cheapest car insurance in Michigan GEICO offers the cheapest car insurance rates in Michigan, based on Insure.com's analysis. View Carriers Please enter valid zip Compare top carriers in your area Written by Shivani Gite Shivani Gite Shivani Gite is a personal finance and insurance writer with a degree in journalism and mass communication. She is passionate about making insurance topics easy to understand for people and helping them make better financial decisions. | Reviewed by Nupur Gambhir Nupur Gambhir Nupur Gambhir is an insurance expert and managing editor of Insure.com. She specializes in life and health insurance content, and has experience as a marketing consultant. | Updated on: May 22, 2025 Why you can trust Insure.com Quality Verified At Insure.com, we are committed to providing the timely, accurate and expert information consumers need to make smart insurance decisions. All our content is written and reviewed by industry professionals and insurance experts. Our team carefully vets our rate data to ensure we only provide reliable and up-to-date insurance pricing. We follow the highest editorial standards. Our content is based solely on objective research and data gathering. We maintain strict editorial independence to ensure unbiased coverage of the insurance industry. GEICO provides the cheapest car insurance in Michigan at $1,553 a year. Your rates may vary, but the average premium is $196 per month in Michigan, according to Insure.com’s rate analysis.Car insurance requirements vary by state, and in Michigan, drivers must carry at least the minimum liability coverage: $50,000 for bodily injury protection per person, $1,00,000 of bodily injury coverage per accident, and $10,000 for property damage per accident. However, many drivers choose to purchase full coverage car insurance, which provides additional protection in the event of an accident.Here’s a breakdown of the cheapest car insurance company in each category. Cheapest overall: GEICO $1,553/year National avg. rate Cheapest for at-fault accident: Auto-Owners $2,425/year Avg. rate after an at-fault accident Cheapest for speeding ticket: Progressive $2,548/year Avg. rate after speeding ticket Key Takeaways GEICO offers Michigan drivers the cheapest car insurance rate at $1,553 annually, which is around 34% lower than the state’s average cost.In Michigan, you can find the cheapest car insurance from Auto-Owners at an annual cost of $2,425, even if you have a history of at-fault accidents.Based on Insure.com’s analysis, the 49417 ZIP code has the cheapest car insurance rates for Michigan drivers, with an average cost of $1,902 a year. Cheap car insurance companies in MichiganGEICO offers Michigan’s most affordable car insurance rates, at $1,553 per year, 34% less than the state’s annual cost. However, your rate may differ based on personal factors like your driving history, ZIP code and vehicle type.When looking for auto insurance, make sure to compare quotes from at least three different companies to ensure you’re getting the best coverage.The table below shows the most affordable car insurance companies and their average annual premiums.CompanyAverage annual ratesGEICO$1,553Travelers$1,817Progressive$2,069Auto-Owners$2,085Auto Club Group – ACG (AAA)$2,537Pioneer State Mutual$2,662Frankenmuth Insurance$2,851Michigan Farm Bureau$2,948State Farm$3,698USAA*$1,514 *Note: USAA only offers coverage to military members, veterans and their families.How we choose the cheapest car insurance companies in Michigan 170+ Carriers reviewed 53M+ Quotes analysed 34K+ ZIP codes examined Cheapest ZIP codes for car insurance in MichiganThe cheapest ZIP code for car insurance in Michigan is 49417, with an average annual cost of $1,902. Find below the most affordable ZIP codes for auto insurance rates in Michigan.ZIP codeCityAverage annual rates49417Grand Haven$1,90249085St. Joseph$1,92649456Spring Lake$1,92849464Zeeland$1,96349453Saugatuck$1,98449434Macatawa$1,98449460West Olive$1,98549423Holland$1,98949424Holland$1,99349024Portage$2,000Auto insurance premiums vary significantly from city to city, so drivers need to be sure they’re getting the best deal. Insure.com has done the research for you. Get more information on auto insurance rates by city below.Car insurance rates in Michigan by cityAnn ArborDetroitGrand RapidsSterling HeightsWarrenCheapest car insurance in Michigan by ageTeen drivers in Michigan pay higher insurance rates than adult drivers because they are more likely to get into accidents and file claims. A 16-year-old driver pays $5,187 more than a 40-year-old driver in Michigan, based on Insure.com’s analysis.The table below shows the cheapest car insurance rates for drivers of different ages:Age groupFull coverage annual premiumsTeens (16-19)$6,495Young Adults (20-24)$3,880Adults (25-60)$2,335Seniors (65-75)$2,308 You might find interesting The best, cheapest car insurance in MichiganMichigan car insurance calculatorNon-owner auto insurance in Michigan: Which company has the cheapest rates?Cheapest SR-22 insurance in MichiganBest and cheapest companies for home and auto bundles in Michigan Cheapest car insurance in Michigan by driver historyYour driving history is one of the main factors insurers look at when determining insurance rates. If you are responsible for a car accident or are convicted of a driving infraction, your auto insurance premiums will likely go up. However, if you have a clean driving record, insurance companies see you as a low-risk driver, and you are likely to get cheap car insurance.Cheapest car insurance after a speeding ticket in MichiganHere are the top three companies offering affordable rates for car insurance after a speeding ticket.Progressive: $2,548 per yearGEICO: $2,884 per yearAuto-Owners: $2,904 per yearInsure.com data shows that a single speeding ticket in Michigan can result in a 47% or $1,117 increase in insurance rates.Getting a speeding ticket involves paying a fine and potentially facing higher insurance premiums. For those looking to find the most affordable car insurance in Michigan, below are insurers that provide cheap rates after a speeding ticket.CompanyAverage annual premiumNew rate after accident% Increase$ IncreaseProgressive$2,069$2,54823%$479GEICO$1,553$2,88486%$1,331Auto-Owners$2,085$2,90439%$819Travelers$1,817$3,49092%$1,673Auto Club Group – ACG (AAA)$2,537$4,91894%$2,381State Farm$3,698$5,61952%$1,921USAA*$1,514$2,07637%$562 *Note: USAA only offers coverage to military members, veterans and their families.Cheapest car insurance after an accident in MichiganHere are the top three insurers that provide cheap car insurance rates following an accident.Auto-Owners: $2,425 per yearProgressive: $2,858 per yearAuto Club Group - ACG (AAA): $3,709 per yearAuto-Owners offers the cheapest car insurance rates for drivers following an at-fault accident, with an average car insurance cost of $2,425 annually.If you’re found at fault, your insurance premiums may go up. However, you can still compare car insurance rates from different insurers to get the best deal.Below are the companies offering the most affordable car insurance for drivers with an accident on your driving record.CompanyAverage annual premiumNew rate after accident% Increase$ IncreaseAuto-Owners$2,085$2,42516%$340Progressive$2,069$2,85838%$789Auto Club Group – ACG (AAA)$2,537$3,70946%$1,172GEICO$1,553$4,110165%$2,557Travelers$1,817$4,328138%$2,511State Farm$3,698$4,37618%$678USAA*$1,514$2,20646%$692 *Note: USAA only offers coverage to military members, veterans and their families.Cheapest car insurance after a DUI conviction in MichiganBelow, you’ll find the top three companies that offer cheap car insurance after a DUI conviction:Progressive: $2,412 per yearAuto-Owners: $4,672 per yearAuto Club Group - ACG (AAA): $6,476 per yearIf you’ve been convicted of a DUI, you may wonder how it will affect your car insurance rates. Most insurers will view you as a high-risk driver and will charge you higher rates.The table below shows the insurance companies offering cheap car insurance rates to drivers after a DUI conviction.CompanyAverage annual premiumNew rate after accident$ Increase% IncreaseProgressive$2,069$2,412$34317%Auto-Owners$2,085$4,672$2,587124%Auto Club Group – ACG (AAA)$2,537$6,476$3,939155%Travelers$1,817$7,137$5,320293%State Farm$3,698$9,123$5,425147%GEICO$1,553$10,831$9,278597%USAA*$1,514$2,721$1,20780% *Note: USAA only offers coverage to military members, veterans and their families.Average car insurance cost in MichiganFull coverage insurance costs more than minimum liability insurance, but the extra cost is worth it for most drivers. The average cost of full coverage car insurance in Michigan is $457 more than the national average car insurance rates in the U.S.There are different full coverage limits that a driver can purchase. However, Insure.com editors recommend that you should carry 100/300/100 coverage limits.What is full coverage car insurance in Michigan?Full coverage car insurance covers bodily injury liability, property damage liability, collision and comprehensive coverage. Collision insurance helps pay for repairs if your car is damaged in an accident, while comprehensive insurance protects against damage from non-collision events like theft or natural disasters.In Michigan, if you’re leasing or financing your car, your lender might require you to purchase collision and comprehensive insurance on top of the state-required liability coverage.Final thoughtsWhile it’s common to look for ways to lower your car insurance premium, cutting corners on coverage could end up costing you much more in the long run.Before purchasing an auto insurance policy, consider your specific needs to ensure you’re adequately covered. Since insurance rates can vary, it’s a good idea to compare quotes from multiple companies to find the right policy in Michigan.MethodologyInsure.com gathered data from Quadrant Information Services to get car insurance rates in Michigan. The rates are based on a sample profile of a 40-year-old male and female driving a Honda Accord LX with a good insurance score and no violation on record for a full coverage insurance policy with limits 100/300/100 and $500 comprehensive and collision deductibles.We analyzed 53,409,632 insurance quotes from 170 insurance companies across 34,588 ZIP codes nationwide.To determine car insurance rates for high-risk drivers with a history of traffic violations, we used a sample profile of a 40-year-old male and female driver who own a Honda Accord LX.We also used sample profiles of drivers from different age groups: Teen drivers (Age 16-19), young drivers (Age 20-24), adult drivers (Age 25-60) and senior drivers (Age 65-75)We determined the premiums for a high-risk driver with the following incidents applied1 At-fault property damage accident over $2K1 At-fault property damage accident under $2KAt-fault bodily injury accidentPoor creditDUI/DWI first offenseSpeeding 30+ over limitSpeeding ticket 1-10 MPH over limitSpeeding ticket 11-29 MPH over the limitThese are sample rates, and your exact rates may vary. Find cheapest car insurance in other statesAlabamaAlaskaArizonaArkansasCaliforniaColoradoConnecticutDelawareFloridaGeorgiaHawaiiIdahoIllinoisIndianaIowaKansasKentuckyLouisianaMaineMarylandMassachusettsMinnesotaMississippiMissouriMontanaNebraskaNevadaNew HampshireNew JerseyNew MexicoNew YorkNorth CarolinaNorth DakotaOhioOklahomaOregonPennsylvaniaRhode IslandSouth CarolinaSouth DakotaTennesseeTexasUtahVermontVirginiaWashington D.C.WashingtonWest VirginiaWisconsinWyomingShow moreShivani GiteContributing Writer | . .Shivani Gite is a personal finance and insurance writer with a degree in journalism and mass communication. She is passionate about making insurance topics easy to understand for people and helping them make better financial decisions. In case you missed it Best Car Insurance Companies of 2025 The most and least expensive states for car insurance in 2025 What is full coverage car insurance? How much does car insurance cost for seniors in 2025? 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Part 1: How insurance companies spot bogus claims Insurance options for rideshare drivers 10 things that are illegal but shouldn’t be 1/1 On this page Cheap car insurance companies in MichiganHow we choose the cheapest car insurance companies in MichiganCheapest ZIP codes for car insurance in MichiganCheapest car insurance in Michigan by ageCheapest car insurance in Michigan by driver historyAverage car insurance cost in MichiganFinal thoughtsMethodology ZIP Code Please enter valid ZIP See rates (844)-645-3330