Low-cost car insurance in Michigan

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Drivers in Michigan can find the cheapest average premium with GEICO, at $1,827 per year. By comparison, the statewide average monthly cost is $262. Keep in mind that rates vary for each driver depending on factors like driving record, ZIP code, and vehicle type.

Since auto insurance laws differ by state, Michigan requires drivers to carry at least $50,000 in bodily injury coverage per person, $100,000 in bodily injury per accident, and $10,000 for property damage liability.

For broader protection, full coverage may be a smart option. It combines liability, collision, and comprehensive insurance, giving you coverage not only for other drivers but also for your own vehicle if it’s damaged in a crash, stolen, or affected by severe weather.

Here’s how different insurers stack up for drivers in Michigan, depending on your situation.

Key Takeaways

GEICO has the lowest average car insurance premium in Michigan, costing $1,827 per year. That’s $1,319 the state average.
For drivers with an at-fault accident on record, Auto-Owners offers the most affordable coverage at around $3,347 annually.
The 48710 ZIP code stands out as the cheapest area for auto insurance in Michigan, with an average yearly cost of $2,435.

Low-cost car insurance companies in Michigan

Among all insurers in Michigan, GEICO comes in lowest at $1,827 per year – $1,319 less than the statewide average. Keep in mind that your actual premium depends on factors like age, driving history, ZIP code, and the type of car you drive.

Comparing quotes from multiple companies is the best way to make sure you’re getting a competitive rate.

Below are the annual premiums from the cheapest car insurance companies in Michigan.

Company	Average annual rates
GEICO	$1,827
Travelers	$2,182
Auto-Owners	$2,877
Auto Club Group – ACG (AAA)	$2,935
Progressive	$3,165
Michigan Farm Bureau	$3,870
Pioneer State Mutual	$3,996
Frankenmuth Insurance	$4,312
State Farm	$4,477
USAA*	$1,811

*USAA is only available to military community members and their families.

How we choose low-cost car insurance companies in Michigan

170+

Carriers reviewed

78M+

Quotes analysed

34K+

ZIP codes examined

ZIP codes with the cheapest car insurance in Michigan

In Michigan, drivers living in the 48710 ZIP code enjoy the lowest average annual premium at $2,435. Check the table below to see which other ZIP codes in the state have more affordable rates.

ZIP code	City	Average annual rates
48710	University Center	$2,435
49085	St. Joseph	$2,439
49417	Grand Haven	$2,443
49456	Spring Lake	$2,466
49464	Zeeland	$2,483
48177	Samaria	$2,524
49267	Ottawa Lake	$2,542
49024	Portage	$2,543
49101	Baroda	$2,556
48611	Williams	$2,556

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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.

Car insurance rates in Michigan by city

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Low-cost car insurance in Michigan by age

Teenagers pay significantly more for car insurance than adults in Michigan. For instance, a 16-year-old driver pays $7,040 more on average than a 40-year-old.

The following table shows car insurance rates by age group in Michigan.

Age group	Full coverage annual premiums
Teens (16-19)	$8,749
Young Adults (20-24)	$5,194
Adults (25-60)	$3,114
Seniors (65-75)	$3,009

Low-cost car insurance in Michigan by driver history

Insurers weigh your driving record heavily when setting premiums. You can expect your rates to rise if you’re ticketed or at fault in an accident. On the other hand, drivers with clean records are considered lower risk and usually qualify for cheaper coverage.

Low-cost car insurance after a speeding ticket in Michigan

Just one speeding ticket in Michigan can raise your rates by 47% – $1,493 more per year. Along with the ticket fine, that makes speeding an expensive mistake. The table below shows insurers offering lower-cost options even with a violation.

Company	Average annual premium	New rate after accident	% Increase	$ Increase
GEICO	$1,827	$3,392	86%	$1,566
Progressive	$3,165	$3,897	23%	$732
Auto-Owners	$2,877	$4,009	39%	$1,131
Travelers	$2,182	$4,192	92%	$2,010
Auto Club Group – ACG (AAA)	$2,935	$5,690	94%	$2,755
State Farm	$4,477	$6,803	52%	$2,326
USAA*	$1,811	$2,484	37%	$673

*USAA is only available to military community members and their families.

Low-cost car insurance after an accident in Michigan

Auto-Owners offers the lowest car insurance rates to drivers after an at-fault accident at $3,347 a year.

If you’re in an accident and are at fault, you will see your car insurance premiums increase. However, this doesn’t mean you can’t shop around to find better rates.

Below, you’ll see which companies offer low-cost car insurance for drivers with one accident on their record.

Company	Average annual premium	New rate after accident	% Increase	$ Increase
Auto-Owners	$2,877	$3,347	16%	$470
Auto Club Group – ACG (AAA)	$2,935	$4,290	46%	$1,355
Progressive	$3,165	$4,373	38%	$1,208
GEICO	$1,827	$4,836	165%	$3,009
Travelers	$2,182	$5,198	138%	$3,016
State Farm	$4,477	$5,298	18%	$821
USAA*	$1,811	$2,640	46%	$829

*USAA is only available to military community members and their families.

Low-cost car insurance after a DUI in Michigan

A DUI often places drivers in the high-risk driver category, resulting in much higher rates. Still, some companies in Michigan keep their premiums lower than others. The table below shows the most affordable options available after a DUI.

Company	Average annual premium	New rate after accident	$ Increase	% Increase
Progressive	$3,165	$3,690	$525	17%
Auto-Owners	$2,877	$6,448	$3,570	124%
Auto Club Group – ACG (AAA)	$2,935	$7,492	$4,557	155%
Travelers	$2,182	$8,572	$6,390	293%
State Farm	$4,477	$11,045	$6,568	147%
GEICO	$1,827	$12,742	$10,915	597%
USAA*	$1,811	$3,255	$1,444	80%

*USAA is only available to military community members and their families.

Average cost of car insurance Michigan

Full coverage costs more than liability-only, but for most drivers, the additional protection is worth it. Liability-only policies cover injuries and damage you cause to others, but don’t pay for your own vehicle. Full coverage adds collision and comprehensive, protecting you against accidents, theft, weather damage, and more.

In Michigan, the average cost of full coverage is $633 more compared to the national average

We recommend carrying coverage limits of 100/300/100 – $100,000 in bodily injury per person, $300,000 per accident, and $100,000 in property damage liability. These higher limits help protect you financially in severe accidents.

What is full coverage car insurance?

Full coverage refers to liability insurance plus both collision and comprehensive. Collision pays for damage to your vehicle after an accident, while comprehensive covers non-collision events like theft, fire, or hail damage.

If you lease or finance your vehicle in Michigan, your lender may require collision and comprehensive insurance on top of the state’s liability minimums.

The bottom line on saving and staying protected

When it comes to car insurance, everyone is looking for ways to save. However, skimping on coverage to save a few dollars now could end up costing you more down the road.

Ensure you’re adequately protected and consider your specific needs before buying an auto insurance policy. Car insurance rates vary, so compare quotes from at least three different companies to find low-cost coverage 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 At-fault property damage accident over $2K
1 At-fault property damage accident under $2K
At-fault bodily injury accident
Poor credit
DUI/DWI first offense
Speeding 30+ over limit
Speeding ticket 1-10 MPH over limit
Speeding ticket 11-29 MPH over the limit

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

Shivani Gite

Contributing 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.