Best Pay-As-You-Go Auto Insurance in Michigan (Top 9 Companies for 2024)
Safeco, Nationwide, and Progressive have the best pay-as-you-go auto insurance in Michigan. Safeco offers competitive full coverage policies starting at $105/mo. If you drive less than 10k miles per year, scroll down to learn how MI low-mileage auto insurance coverage can lower your monthly rates.
Free Car Insurance Comparison
Compare Quotes From Top Companies and Save
Secured with SHA-256 Encryption
Daniel Walker
Licensed Auto Insurance Agent
Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura...
Licensed Auto Insurance Agent
UPDATED: May 31, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: May 31, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
1,171 reviewsCompany Facts
Full Coverage for Pay-As-You-Go in Michigan
A.M. Best Rating
Complaint Level
Pros & Cons
1,171 reviews
3,019 reviewsCompany Facts
Full Coverage for Pay-As-You-Go in Michigan
A.M. Best Rating
Complaint Level
Pros & Cons
3,019 reviews
13,128 reviewsCompany Facts
Full Coverage for Pay-As-You-Go in Michigan
A.M. Best Rating
Complaint Level
Pros & Cons
13,128 reviewsYou will find the best pay-as-you-go auto insurance in Michigan at Safeco, Nationwide, and Progressive.
Infrequent drivers will find that Michigan auto insurance is cheapest at companies that operate on pay-per-mile rates or offer usage-based discounts. If you are driving less than 50 miles per day, you’ll want to check out the following companies.
Our Top 10 Picks: Best Pay-As-You-Go Auto Insurance in Michigan
| Company | Rank | Multi-Policy Discount | A.M. Best | Best For | Jump to Pros/Cons |
|---|---|---|---|---|---|
 | #1 | 15% | A | Online Tools | Safeco |
 | #2 | 20% | A+ | Mileage Discounts | Nationwide |
 | #3 | 12% | A+ | Loyalty Rewards | Progressive |
 | #4 | 25% | A | RightTrack Discounts | Liberty Mutual |
 | #5 | 25% | A+ | Claims Satisfaction Guarantee | Allstate |
 | #6 | 25% | A++ | Young Drivers | Geico |
 | #7 | 20% | B | Safe Drivers | State Farm |
 | #8 | 10% | A++ | Military Coverage | USAA |
 | #9 | 20% | A | Safety Discounts | Farmers |
Continue reading to learn more about the best companies, as well as how much coverage you need based on Michigan auto insurance laws, discount options, and more. If you are ready to make the switch to pay-per-mile insurance today, use our free quote tool to find the best deal.
- Safeco has the best Michigan pay-per-mile insurance reviews
- Nationwide and Progressive also offer great deals on insurance
- All drivers must meet Michigan auto insurance requirements
Free Auto Insurance Comparison
Compare Quotes From Top Companies and Save
Secured with SHA-256 Encryption
Free Auto Insurance Comparison
Enter your ZIP code below to view companies that have cheap auto insurance rates.
Secured with SHA-256 Encryption
#1 – Safeco: Top Overall Pick
Pros
- Online Tools: Most policy changes can be handled online through Safeco’s online tools.
- Coverage Options: Safeco offers a number of coverages for Michigan drivers. Learn more in our Safeco review.
- Usage-Based Discount: Participate in Safeco’s discount program and save more based on your mileage and driving habits.
Cons
- Customer Satisfaction: Safeco doesn’t rate customer satisfaction as highly as other companies.
- Agent Purchases: After starting a quote online, you must complete your purchase through an agent.
#2 – Nationwide: Best for Mileage Discounts
Pros
- Mileage Discounts: If you drive less, you can save on the average cost of auto insurance in Michigan on a normal policy.
- Pay-Per-Mile Insurance: Nationwide also offers SmartMiles, a pay-per-mile insurance option. Learn more in our Nationwide SmartMiles review.
- Roadside Assistance: Add to your policy for help 24/7 on Michigan roads.
Cons
- High-Mileage Drivers: SmartMiles is not as cost-effective for higher-mileage drivers.
- Telematics Tracking: You must be comfortable with your driving being tracked for pay-per-mile insurance or usage-based discounts.
#3 – Progressive: Best for Loyalty Rewards
Pros
- Loyalty Rewards: The longer you stay with Progressive, the more rewards you can qualify for.
- Coverage Options: Michigan drivers can purchase anything from roadside assistance to gap coverage.
- Snapshot Program: Michigan drivers can save on their auto insurance with this usage-based program. Learn more in our Progressive Snapshot review.
Cons
- Snapshot Rate Increases: Michigan drivers who perform poorly in the Snapshot program may receive rate increases.
- Telematics Tracking: Progressive tracks your data in its Snapshot program.
Free Auto Insurance Comparison
Enter your ZIP code below to view companies that have cheap auto insurance rates.
Secured with SHA-256 Encryption
#4 – Liberty Mutual: Best for RightTrack Discounts
Pros
- RightTrack Discounts: The RightTrack program rewards Michigan drivers for good driving. Learn more in our RightTrack review.
- 24/7 Support: The commpany offers 24/7 support to Michigan drivers.
- Coverage Options: Michigan drivers have plenty of options to add to their policy.
Cons
- Telematics Tracking: You do have to let RightTrack track your data for the discount.
- High-Risk Rates: Drivers in Michigan with poor driving records will find Liberty Mutual expensive.
#5 – Allstate: Best for Claims Satisfaction Guarantee
Pros
- Claims Satisfaction Guarantee: Allstate offers credits towards future policy bills to some unsatisfied customers.
- Milewise Insurance: Pay-by-the-mile if you choose Allstate’s Milewise insurance. Learn more in our Allstate Milewise review.
- Online Convenience: Allstate offers a free app that lets customers perform various tasks.
Cons
- Claims Satisfaction Reviews: Part of the reason Allstate offers a claims satisfaction guarantee could be because it has a number of customer satisfaction complaints.
- High-Mileage Drivers: Milewise won’t be cost-effective for drivers with high mileage.
#6 – Geico: Best for Young Drivers
Pros
- Young Drivers: Michigan teen drivers can save with good student discounts and more at Geico.
- Usage-Based Discount: Michigan drivers can save with Geico’s DriveEasy program. Read our DriveEasy review to learn more.
- Roadside Assistance: Michigan drivers can get simple repairs or tows 24/7 with this coverage.
Cons
- Local Agents: There are few local agents available in Michigan, as most customer service is provided online.
- DUI Rates: Geico auto insurance for high-risk drivers in Michigan can be expensive.
Free Auto Insurance Comparison
Enter your ZIP code below to view companies that have cheap auto insurance rates.
Secured with SHA-256 Encryption
#7 – State Farm: Best for Safe Drivers
Pros
- Safe Drivers: State Farm has great rates for Michigan drivers with clean driving records. Learn more in our State Farm review.
- Local Agents: Michigan agents are widely available throughout the state.
- Coverage Variety: State Farm offers plenty of choices to Michigan drivers.
Cons
- Telematics Tracking: You must let State Farm track your driving for a usage-based discount.
- High-Risk Rates: State Farm charges much more for car insurance for high-risk drivers in Michigan.
#8 – USAA: Best for Military Coverage
Pros
- Military Coverage: USAA offers great coverage at affordable rates to military service members and veterans.
- Usage-Based Discount: USAA discounts Michigan drivers participating in its UBI program. Learn more in our USAA Safepilot review.
- Customer Service: Customers have highly rated USAA’s service.
Cons
- Eligibility: Coverage is sold exclusively to families of military service members and veterans.
- Telematics Tracking: USAA will track data in its Safepilot program.
#9 – Farmers: Best for Safety Discounts
Pros
- Safety Discounts: Michigan drivers with the latest safety upgrades on their cars will get a discounted rate.
- Usage-Based Discount: Michigan drivers can participate in the Farmers’ UBI program. Learn more in our Farmers Signal review.
- Coverage Options: Michigan drivers have plenty of options to customize their policies.
Cons
- Telematics Tracking: Your data will be tracked for the usage-based discount.
- Claims Processing: Not always rated well by Michigan customers.
Free Auto Insurance Comparison
Enter your ZIP code below to view companies that have cheap auto insurance rates.
Secured with SHA-256 Encryption
Why Michigan Auto Insurance is So Expensive
One of the reasons Michigan auto insurance costs more is because it is a no-fault auto insurance state.
No-fault auto insurance in Michigan means every driver is responsible for carrying coverage to protect themselves in an accident. No matter who caused the accident, the driver's insurance will pay for their own property damage and injury bills.Brandon Frady Licensed Insurance Agent
Because Michigan auto insurance law changes how accident fault is assigned, it is beneficial for drivers to carry more than the Michigan minimum auto insurance requirements. Below, you can see the prices at different companies for minimum and full coverage.
Michigan Auto Insurance Monthly Rates by Age, Gender, & Coverage Level
| Age & Gender | Minimum Coverage | Full Coverage |
|---|---|---|
| 16-Year-Old Female | $340 | $700 |
| 16-Year-Old Male | $360 | $740 |
| 20-Year-Old Female | $280 | $580 |
| 20-Year-Old Male | $300 | $620 |
| 30-Year-Old Female | $230 | $470 |
| 30-Year-Old Male | $240 | $490 |
| 40-Year-Old Female | $210 | $430 |
| 40-Year-Old Male | $220 | $450 |
| 50-Year-Old Female | $200 | $410 |
| 50-Year-Old Male | $210 | $430 |
| 60-Year-Old Female | $190 | $390 |
| 60-Year-Old Male | $195 | $400 |
| 70-Year-Old Female | $195 | $400 |
| 70-Year-Old Male | $200 | $410 |
Always get quotes from the best companies, which will help you find cheap no-fault auto insurance.
Comparing Michigan Auto Insurance Rates
When comparing auto insurance rates in Michigan, make sure you know how annual mileage affects your auto insurance rates.
Michigan Auto Insurance Monthly Rates by Age, Gender, & Annual Mileage
| Age & Gender | 6,000 Miles | 10,000 Miles | 12,000 Miles | 15,000 Miles |
|---|---|---|---|---|
| 16-Year-Old Female | $350 | $375 | $390 | $410 |
| 16-Year-Old Male | $380 | $405 | $420 | $440 |
| 20-Year-Old Female | $300 | $320 | $335 | $355 |
| 20-Year-Old Male | $330 | $350 | $365 | $385 |
| 30-Year-Old Female | $250 | $265 | $275 | $290 |
| 30-Year-Old Male | $260 | $275 | $285 | $300 |
| 40-Year-Old Female | $230 | $240 | $250 | $265 |
| 40-Year-Old Male | $235 | $245 | $255 | $270 |
| 50-Year-Old Female | $220 | $230 | $240 | $255 |
| 50-Year-Old Male | $225 | $235 | $245 | $260 |
| 60-Year-Old Female | $210 | $220 | $230 | $245 |
| 60-Year-Old Male | $215 | $225 | $235 | $250 |
| 70-Year-Old Female | $215 | $225 | $235 | $250 |
| 70-Year-Old Male | $220 | $230 | $240 | $255 |
Rates drop in price the less you drive, although where you live will also affect your rates.
Michigan Auto Insurance Monthly Rates by Age, Gender, & City
| Age & Gender | Ann Arbor | Detroit | Flint | Grand Rapids | Lansing |
|---|---|---|---|---|---|
| 16-Year-Old Female | $320 | $410 | $380 | $340 | $330 |
| 16-Year-Old Male | $340 | $435 | $405 | $360 | $350 |
| 20-Year-Old Female | $270 | $350 | $325 | $290 | $280 |
| 20-Year-Old Male | $290 | $370 | $340 | $310 | $300 |
| 30-Year-Old Female | $220 | $290 | $270 | $240 | $230 |
| 30-Year-Old Male | $230 | $305 | $285 | $250 | $240 |
| 40-Year-Old Female | $210 | $275 | $255 | $225 | $220 |
| 40-Year-Old Male | $215 | $285 | $265 | $230 | $225 |
| 50-Year-Old Female | $200 | $260 | $245 | $215 | $210 |
| 50-Year-Old Male | $205 | $270 | $250 | $220 | $215 |
| 60-Year-Old Female | $190 | $250 | $235 | $205 | $200 |
| 60-Year-Old Male | $195 | $260 | $240 | $210 | $205 |
| 70-Year-Old Female | $195 | $260 | $240 | $210 | $205 |
| 70-Year-Old Male | $200 | $265 | $245 | $215 | $210 |
Ann Arbor and Lansing will have the cheapest rates on average for Michigan drivers.
Save Money With Michigan Pay-As-You-Go Auto Insurance
When shopping for cheap usage-based auto insurance, consider the following companies.
Pay-As-You-Go Auto Insurance in Michigan: Monthly Rates by Coverage Level & Provider
| Insurance Company | Minimum Coverage | Full Coverage |
|---|---|---|
| Allstate | $45 | $115 |
| Farmers | $41 | $111 |
| Geico | $37 | $107 |
| Liberty Mutual | $42 | $112 |
| Nationwide | $40 | $110 |
| Progressive | $38 | $108 |
| Safeco | $35 | $105 |
| State Farm | $39 | $109 |
| USAA | $32 | $102 |
These companies will offer either pay-per-mile insurance, such as Nationwide’s SmartMiles, or usage-based discounts.
With Michigan pay-per-mile insurance companies, drivers will pay a base rate and then a per-mile fee.
Free Auto Insurance Comparison
Enter your ZIP code below to view companies that have cheap auto insurance rates.
Secured with SHA-256 Encryption
Cheap Pay-As-You-Go Insurance With Discounts
Your Michigan low-mileage auto insurance cost may be reduced by applying auto insurance discounts.
A popular discount is a low-mileage auto insurance discount.
Other discounts that offer significant savings include good driver discounts and bundling discounts.
Get The Best Pay-As-You-Go Auto Insurance in Michigan
The best pay-as-you-go auto insurance companies in Michigan include Safeco, Nationwide, and Progressive. These Michigan companies offer saving opportunities through low-mileage discounts or pay-per-mile coverage.
Ready to find affordable Michigan low-mileage auto insurance coverage? Compare rates now with our free quote tool.
Frequently Asked Questions
How much auto insurance coverage do I need in Michigan?
Michigan drivers need to carry liability insurance in the amount of 50/100/10 and personal injury protection (PIP).
How do I reduce my car insurance rates in Michigan?
Shopping for no down payment car insurance may help reduce initial costs. You can quickly compare quotes for no down payment auto insurance by entering your ZIP into our free tool.
Who has the cheapest pay-as-you-go auto insurance in Michigan?
USAA has the cheapest rates on average when looking at a Michigan pay-per-mile insurance calculator.
Is Metromile pay-as-you-go insurance available in Michigan?
No, Metromile is not yet available in Michigan. However, if you have Metromile insurance and move to Michigan, you may be able to keep it as temporary car insurance in Michigan for a few days until you purchase new insurance.
Is USAA pay-as-you-go auto insurance available in Michigan?
Yes, USAA auto insurance is available in Michigan. Compare rates in our USAA review.
Is Geico pay-per-mile insurance cheaper than Progressive in Michigan?
Geico is slightly cheaper on average than Progressive. Compare rates in our Geico vs. Progressive auto insurance review.
What information do Michigan pay-as-you-go car insurance companies collect?
Most companies collect driving data such as mileage, braking and accelerating data, and more. They are great options for short-term car insurance in Michigan if drivers only need coverage for a month or two.
How do Michigan pay-as-you-go companies verify mileage?
Either through tracking apps or by having customers submit pictures of the odometer.
What affects auto insurance rates in Michigan?
Driving records have a big impact on rates. Drivers with poor driving records must pay more to purchase high-risk auto insurance. Read up on the best auto insurance companies for high-risk drivers.
Does credit score affect Michigan auto insurance?
No, companies can’t use credit scores to raise rates in Michigan.
Is Michigan getting rid of no-fault insurance?
Michigan is still operating on a no-fault insurance system but has changed laws slightly to allow drivers to opt-out.
What city in Michigan has the cheapest auto insurance?
On average, Ann Arbor has the cheapest rates.
Free Auto Insurance Comparison
Enter your ZIP code below to view companies that have cheap auto insurance rates.
Secured with SHA-256 Encryption
Daniel Walker
Licensed Auto Insurance Agent
Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura...
Licensed Auto Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
