Cheapest car insurance in Michigan

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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

Cheap car insurance companies in Michigan

GEICO 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.

*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 Michigan

The 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.

Auto 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.

Cheapest car insurance in Michigan by age

Teen 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:

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Cheapest car insurance in Michigan by driver history

Your 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 Michigan

Here are the top three companies offering affordable rates for car insurance after a speeding ticket.

• Progressive: $2,548 per year
• GEICO: $2,884 per year
• Auto-Owners: $2,904 per year

Insure.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.

*Note: USAA only offers coverage to military members, veterans and their families.

Cheapest car insurance after an accident in Michigan

Here are the top three insurers that provide cheap car insurance rates following an accident.

• Auto-Owners: $2,425 per year
• Progressive: $2,858 per year
• Auto Club Group - ACG (AAA): $3,709 per year

Auto-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.

*Note: USAA only offers coverage to military members, veterans and their families.

Cheapest car insurance after a DUI conviction in Michigan

Below, you’ll find the top three companies that offer cheap car insurance after a DUI conviction:

• Progressive: $2,412 per year
• Auto-Owners: $4,672 per year
• Auto Club Group - ACG (AAA): $6,476 per year

If 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.

*Note: USAA only offers coverage to military members, veterans and their families.

Average car insurance cost in Michigan

Full 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 thoughts

While 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.

Methodology

Insure.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 applied

1. 1 At-fault property damage accident over $2K
2. 1 At-fault property damage accident under $2K
3. At-fault bodily injury accident
4. Poor credit
5. DUI/DWI first offense
6. Speeding 30+ over limit
7. Speeding ticket 1-10 MPH over limit
8. Speeding ticket 11-29 MPH over the limit

These are sample rates, and your exact rates may vary.

Shivani Gite

Contributing Writer

 

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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.