Best Michigan Auto Insurance in 2024 (Secure Low Rates With These 10 Companies!)

State Farm, Farmers, and Nationwide are going to have the best Michigan auto insurance, while the average Michigan auto insurance rates will depend on a number of factors including your city and model vehicle you drive.

The average cost of auto insurance in Michigan is around $220 each month. This cost is going to be over 70% higher than the national average for car insurance coverage.

Our Top 10 Company Picks: Best Michigan Auto Insurance

Auto insurance in the state of Michigan is going to have high costs associated with coverage, but this is due to the fact that Michigan is a no-fault state. The good news is you can find cheap auto insurance in Michigan online. Find the best auto insurance companies in Michigan by entering your ZIP code into our free quote tool above.

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#1 – State Farm: Top Overall Pick

Pros

• Bundling Options: You can also purchase motorcycle, business, farm, and rental coverage and then bundle these with your auto insurance with State Farm.
• Rideshare Insurance: Specific coverage that isn’t offered by every provider, this protects you if you drive for Lyft or Uber. You can learn more with our State Farm auto insurance review.
• Affordable Policies: Drivers with infractions on their license will be able to pay less than average for auto insurance.

Cons

• Poor Credit, High Rates: Drivers with low credit scores will end up paying more than the national average.
• No Gap Coverage: This coverage protects you against paying off any amount still owed on a vehicle after it’s in an accident.

#2 – Farmers: Best for High Risk Coverage

Pros

• The Farmers App: Intuitive and easy to use, the app allows drivers to get quotes, report claims, and access their insurance information.
• Claim Process: Drivers report high levels of satisfaction with how claims are handled. You can learn more with our Farmers auto insurance review.
• SR-22 Insurance Available: Something that some high-risk drivers may need and is not offered by every auto insurance company.

Cons

• Expensive Rates: Not the best insurance rates in Michigan because auto insurance rates are higher than the national average.
• Lack of Reviews: Experiences with the company are not documented thoroughly. 

#3 – Nationwide: Best for Low-Mileage Drivers

Pros

• SmartMiles Program: An excellent program for low-mileage drivers. Drivers are offered up to 18% off auto insurance based on monthly mileage.
• Types of Coverage: You can purchase gap, medical payment, rental car, and bodily injury coverage. You can learn more with our Nationwide auto insurance review.
• Company Stability: Nationwide has a superior rating with A.M. Best.

Cons

• Discount Options: Some discounts are not offered in every state or don’t apply to every driver.
• Rideshare Coverage: If you drive for Lyft or Uber, you won’t be able to get additional coverage.

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#4 – Auto-Owners: Best for Coverage Options

Pros

• Rare Coverage: For example, you can get modified vehicle coverage. Learn more with our Auto-Owners auto insurance review.
• Personable Presence: Customers who would like to interact with a person can do so with ease. 
• Bundling Process: You can get multiple types of coverage and bundle them with your auto insurance.

Cons

• Availability: Only offered in 26 states.
• Agent Needed: You must work with an agent in order to receive coverage.

#5 – USAA: Best for Military

Pros

• SafePilot: With this program, drivers can save up to 30% on their auto insurance depending on their driving habits.
• Young Drivers Pay Less: Teens will pay less than the national average for auto insurance with USAA. You can learn more with our USAA auto insurance review.
• Affordable Military Rates: USAA offers competitive pricing for military members, veterans, and their families.

Cons

• No Gap Coverage: Drivers won’t be able to purchase this particular add-on, which helps pay for the difference between a car’s value and what is left on a payment in the event it’s totaled in an accident.
• Customer Service: Drivers have reported a higher number of complaints than with some competing companies.

#6 – Allstate: Best Reward Program

Pros

• Reward Program: New car replacement, deductible rewards, and accident forgiveness are all coverage options with the Allstate reward program. You can learn more with our Allstate auto insurance review.
• Claim Satisfaction Guarantee: If a driver thinks their claim settlement is too low, Allstate will provide a small portion of the difference to them.
• Financial Strength: A.M. Best gives Allstate a rating of A+, and this rating means the company is financially stable.

Cons

• High Risk, High Rates: A single DUI can double your auto insurance with Allstate.
• Senior Drivers Pay More: Drivers in their sixties will pay well over the national average for coverage.

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#7 – Progressive: Best for High-Risk Drivers

Pros

• Affordable High-Risk Coverage: Drivers who are determined as being high-risk will still be able to have low rates, though not as low as they would be with a clean driving record.
• Gap Insurance: This will pay off any remaining total on your car loan should you get into an accident and your car is totaled.
• Signing Online Discount: Just by signing your documents online, or e-signing, you can save up to 9% on your coverage. You can learn more with our Progressive auto insurance review.

Cons

• Snapshot Program: This particular reward program will actually increase your rates based on your driving habits.
• Customer Service: Progressive seems to have poor customer satisfaction ratings especially when it comes to claims.

#8 – Geico: Best Policy Discounts

Pros

• DriveEasy: Geico’s low-mileage program allows drivers to save money as long as they practice safe driving habits. You can learn more with our Geico auto insurance review. 
• Insurance Choices: Drivers are able to get add-ons such as accident forgiveness, rideshare insurance, and classic car coverage.
• Discounts: There are over a dozen ways to save money including being accident free, being a federal employee, or being a good driver.

Cons

• Lack of Agents: There isn’t as much of an in-person presence which could make it harder to get to a shop.
• High Risk, High Rates: Drivers who have DUIs will be paying more than the average.

#9 – Liberty Mutual: Best Bundling Opportunities

Pros

• Bundling Opportunities: You can buy life, homeowner, renters, and small business insurance to bundle with your auto coverage. 
• RightTrack Program: This program can save you up to 30% on coverage depending on driving habits. You can learn more with our Liberty Mutual auto insurance review. 
• ByMile: Excellent for low-mileage drivers, this program allows you to pay per mile.

Cons

• Claim Satisfaction: Drivers have reported poor pay outs.
• Customer Service: Wait times and poor customer service over the phones. 

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#10 – The Hartford: Best for AARP Members

Pros

• TrueLane: This is a usage-based program that provides a driver 12% discount just for signing up. 
• Online Tools: Excellent online tools such as bill pay, quotes, and claim filing. You can learn more with our The Hartford auto insurance review.
• Benefits for AARP Members: If you’re a member of AARP, you have access to lifetime renewability, RecoverCare, and new car replacements.

Cons

• Customer Service: There have been numerous complaints regarding customer satisfaction. 
• Claim Process: Pay outs and wait times can be up to a month.

Factors Impacting Michigan Auto Insurance Costs

Michigan is one of the most expensive states in terms of auto insurance. If you want to find affordable coverage, you will likely have to take your time to research and compare quotes across a few different companies. Annual car insurance rates in Michigan are over $2,600. That equates to around $220 per month for coverage which is 73% higher than the national average for coverage.

Michigan Auto Insurance Monthly Rates by Coverage Level & Provider

It can be helpful to know the average cost for auto insurance coverage in Michigan, but several things impact a person’s car insurance rates other than the state in which they live. Most insurance companies in Michigan consider multiple factors when determining how much a person should pay for coverage.

In Michigan, some of the most common factors that affect car insurance rates include:

• Driver Age: Young drivers are more likely to get into accidents, and older drivers face age-related issues like decreased reaction time.
• Claims History: If you’ve filed multiple claims, you’ll have higher insurance rates. 
• Driving History: Traffic tickets, accidents, DUIs, and other similar charges will raise rates. Auto insurance companies check your driving record to determine rates.
• Gender: Car insurance for men and women is different. Men tend to pay higher rates than females, as statistics show men get into more accidents. However, insurers can’t consider gender in California, Hawaii, Massachusetts, Michigan, Montana, North Carolina, and Pennsylvania.
• Marital Status and Homeownership: Being married and owning a home are signs of responsibility, so it’s assumed that married homeowners carry less risk. Homeowners can bundle multiple auto and homeowners policies, leading to major savings. 
• Level of Education: Like marital status and homeownership, the assumption is that people with higher education levels are also more responsible. However, education level only minimally impacts rates.
• Vehicle Model and Make: When setting rates, insurance companies consider safety ratings, crash statistics, and the vehicle’s overall expense.
• ZIP Code: Where you live impacts your rates based on weather, crime rates, living costs, and similar factors. The exception is California and Michigan, where using ZIP codes to calculate rates is prohibited.
• Commute Distance: If you drive more, you statistically increase your chances of an accident. Therefore, those who drive more than average receive higher rates.

Michigan is one of the few states that does not allow a car insurance company to consider a person’s gender or credit score when determining rates.

Comparing Michigan Auto Insurance Rates

Look at the table below to see what Michigan residents tend to pay for car insurance coverage with different companies. 

Michigan Auto Insurance Monthly Rates by Coverage Level & Provider

With State Farm, coverage will cost $100 each month for a minimum policy. Farmers is going to be around $161 per month, while Nationwide is going to be less at $124 per month.

While Geico is going to be the cheapest on the list, the amount of customization may not be what you’re looking for, or they may not offer the coverage you need. Cheaper doesn’t always mean better, and in these instances it all depends on the style of coverage you want.

Keep in mind that these rates are all averages. If you’re interested in purchasing a policy with any of these auto insurance companies in Michigan, you should find and compare quotes from multiple providers. Doing so will help you ensure you don’t overpay for car insurance.

You should also consider knowing the minimum auto insurance requirements in your state, so that you don’t end up getting fined. Don’t just look at cheap auto insurance for Michigan drivers, that may not provide you with accurate coverage requirements. 

The Best Michigan Auto Insurance Rates by City

You may find that the city you live in impacts your car insurance costs. For example, the cheapest car insurance in Michigan is in St. Joseph. In contrast, the most expensive auto insurance rates are found in Detroit.

For example, in Grand Rapids, you can find cheap car insurance at just $1,986 annually or $166 monthly. However, auto insurance in Detroit costs $4,726 annually or $394 each month. 

If you move from one Michigan city to another, you may find that your car insurance rates change. Most companies charge more in larger cities that have more people and more potential for accidents. Still, finding and comparing quotes online can help in your search for cheap auto insurance in Michigan, and you might even find the shopping process fairly simple when it comes to auto insurance Michigan quotes.

The Best Michigan Auto Insurance for Young Drivers

Finding cheap teen auto insurance might seem daunting at first because of high costs, but there are quite a few ways to save money including good driver discounts.

Michigan auto insurance rates are typically highest for teens and young adult drivers. For example, on average, 18-year-old drivers pay $2,423 more for minimum coverage than 30-year-old drivers. Still, young adult drivers may be able to find reasonable rates, especially when it comes to auto insurance for a new car purchase.

Auto-Owners offers one of the cheapest car insurance rates for young adults in Michigan. The minimum coverage for an 18-year-old driver costs $3,089 annually or $257 per month, which is 66% lower than the state average. 

Teen Full Coverage Auto Insurance Monthly Rates by Provider, Age, & Gender

A full coverage policy with Auto-Owners costs $622 per month. To compare, a minimum coverage policy for a teenager with Hanover is $2,204 monthly, while a full coverage policy costs $4,165 each month.

Young drivers may get lower rates if they are added to a guardian’s auto insurance policy. Comparing quotes can also help teens and young adult drivers save money on their coverage. 

Michigan Citywise Auto Insurance Comparisons

There are plenty of choices when it comes to auto insurance for Michigan drivers. It all depends on which city you live in, and could even depend on the street as well. Just make sure you meet the Michigan minimum auto insurance requirements with your policy.

Michigan Auto Insurance Cost by City

Exploring the different pricing and auto insurance policies that are available city by city can help you see the comparisons and what makes each area unique when it comes to auto insurance.

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Comparing Michigan Auto Insurance Companies

Geico and USAA will offer the lowest monthly rates for minimum coverage, while Progressive, The Hartford, and Auto-Owners are going to be more but still on the lower end of the price spectrum. State Farm and Nationwide are going to be the mid-range options with balanced premiums, while Farmers is going to be slightly more expensive.

Finally, Allstate and Liberty Mutual will be the most expensive for both minimum and full coverage auto insurance.

Choosing an auto insurance company in Michigan shouldn’t be based on price alone. Make sure to look into company details including customer satisfaction, types of offered coverage, and financial stability ratings.

Best Michigan Auto Insurance Company for Full Coverage

Looking for cheap full coverage insurance in Michigan is a good idea, because full coverage will protect you from much more than a minimum policy. Geico and USAA are going to offer the cheapest full coverage, with rates starting around $99 and $107 per month respectively.

Michigan Auto Insurance Monthly Rates by Coverage Level & Provider

Finding a cheap full coverage auto insurance policy will require comparisons to be made between companies, as not every company offers the same coverage. 

Best Michigan Auto Insurance Company for Speeding Tickets

If you have a speeding ticket on your driving record, don’t be surprised when your insurance rates increase. Speeding tickets can increase your car insurance costs by a significant amount each year until your driving record is clean again.

In Michigan, Progressive tends to offer the cheapest auto insurance coverage if you have a speeding ticket on your record. With Progressive, you may pay $207 per month, or $2,485 annually, for full coverage with a speeding ticket. Progressive’s rates are 77% cheaper than the statewide average of $10,678 annually or $890 per month.

Full Coverage Auto Insurance Monthly Rates by Provider: One Ticket vs. Clean Record

Auto-Owners offers the next cheapest rates at $301 per month, followed by Frankenmuth at $308 monthly and State Farm at $424 monthly.

Unsurprisingly, Hanover’s rates are much more expensive than the rest. For example, the company charges around $2,582 per month for a car insurance policy if you have one or more speeding tickets on your driving record. 

While your rates are likely to increase after receiving a speeding ticket, you may be able to lower your rates by taking a safe driving or defensive driving course. Additionally, some insurance companies allow their policyholders to have one accident or speeding ticket without increasing rates.

While car color doesn’t impact insurance price, the make and model can. Drivers of newer and luxury vehicles can expect to pay higher prices, as can drivers of large or heavy cars. pic.twitter.com/BrDYOJl5he

— Farmers Insurance (@WeAreFarmers) May 25, 2024

One speeding ticket on your driving record can increase your rates by nearly 50% in Michigan. Because of this, comparing quotes is important before you make any commitments. For example, a company like Frankenmuth may only raise premiums by 10% to 12%, while Hanover may increase premiums by closer to 50%.

Even with a speeding ticket on your driving record, you can still shop online and compare quotes to see how much you could save on coverage. Doing so may help you realize it’s time to switch to a new auto insurance provider. 

Best Michigan Auto Insurance Company After an Accident

Similar to a speeding ticket, a car accident can significantly increase your insurance rates. Once again, Progressive offers the cheapest coverage for people with an accident on their record. The company charges around $2,849 annually or $237 monthly for coverage. The statewide average for auto insurance after an accident is $11,446 annually or $954 per month.

Full Coverage Auto Insurance Monthly Rates: One Accident vs. Clean Record

After Progressive, the next cheapest car insurance provider is Auto-Owners, which offers coverage to people with an accident on their records for $301 per month. Next is Frankenmuth at $362 per month, and then State Farm at $393 per month. Hanover charges its policyholders an average of $2,950 per month.  

If you have an accident on your driving record, you may want to shop diligently for coverage to see which companies offer cheap rates. Always make sure that you’re looking into collision auto insurance, as this is what is going to protect you in the event of an accident.

Best Michigan Auto Insurance Company After a DUI

Unfortunately, receiving a DUI can increase your auto insurance rates by almost 140%. A DUI is a very serious offense, and most insurance companies see it as such. With a DUI on your driving record, you may lose your car insurance coverage in Michigan altogether. 

Once again, Progressive comes in first, offering the cheapest auto insurance to people with a DUI on their records. Progressive charges $199 per month to people with a DUI.

DUI Full Coverage Auto Insurance Monthly Rates vs. Clean Record by Provider

Auto-Owners charges $613 monthly, more than three times as much. State Farm comes in third, charging $1,049 per month for coverage. And Hanover continues to have the most expensive rates in Michigan, with monthly rates of $3,463.

If you have a DUI on your driving record, don’t be surprised if you have to shop around a lot before you find a reasonable car insurance policy. Most companies will want to charge you more to offset the inherent risk of covering you after a DUI, which means finding cheap auto insurance after a DUI is going to be a lot of work but not impossible.

Best Michigan Auto Insurance Company for Young Drivers With Tickets

A speeding ticket can increase a person’s rate but there are some auto insurance companies that don’t penalize a driver for speeding tickets. Auto-Owners offers the best price for car insurance to people with a ticket on their record. Unlike other companies, Auto-Owners does not increase a person’s rates after one speeding ticket.

There will be plenty of ways to save money on auto insurance even with a ticket on record. Most auto insurance companies have programs that allow drivers to save money just for signing up, and they can eventually save more if they practice safe driving habits.

Best Michigan Auto Insurance Company for Teens With Accidents

Auto-Owners offers the least expensive coverage to teen drivers who’ve been in an accident. With Auto-Owners, you can expect to pay $257 per month on average if you have been in a car accident.

If you’re a teen driver and have a car accident on your driving record, you should shop online and compare quotes to see which companies offer the best coverage rates. You should also be checking into cheap auto insurance after an accident no matter what your age so that you’re prepared in case it happens.

Michigan Auto Insurance Requirements

Looking for cheap auto insurance companies in Michigan won’t lead you to the best results because there are requirements necessary to drive legally on the road. The state laws mandate that each driver meet the following Michigan minimum auto insurance requirements:

• $50,000 bodily injury per person
• $100,000 bodily injury per accident
• $10,000 property damage 
• $1,000,000 property protection insurance

In addition to bodily injury and property damage requirements, Michigan also states that drivers must carry certain levels of personal injury protection (PIP) in case of an accident. PIP options for drivers are as follows:

• Unlimited PIP coverage
• $500,000 in PIP coverage
• $250,000 in PIP coverage
• $50,000 in PIP coverage 

Certain individuals with Medicaid or other specific qualifying healthcare plans may be able to opt out of PIP coverage. Speak with your local Department of Motor Vehicles for more information on how that works. 

Optional Coverage in Michigan

According to the Michigan Department of Insurance and Financial Services, some of the more common coverage options in Michigan include:

• Comprehensive Coverage: Comprehensive insurance helps to cover incidents that are not accident-related. If your vehicle is damaged by hail or vandalism, comprehensive insurance will cover the expenses to repair it.
• Collision Coverage: Collision insurance covers accident-related incidents. If you’re in an accident and your vehicle is damaged, collision insurance helps to pay for repairs following a covered claim.
• Gap Insurance: If you have a loan or lease on your vehicle, you may want to consider gap coverage. With gap auto insurance, the difference between how much you owe on your loan and the actual cash value of your car will be covered. Otherwise, you could end up paying a good bit out of pocket.
• Rental Car Reimbursement: Rental car reimbursement pays you back for any car rentals you have, up to a certain amount, if your vehicle is in the shop after a covered accident. 
• Roadside Assistance: If you break down on the side of the road, roadside assistance coverage includes flat tire repair, lockout services, fuel delivery, and towing up to a certain distance. 
• Uninsured/Underinsured Motorist Coverage: Even if you carry the required amount of coverage in Michigan, other drivers may not. Uninsured and underinsured motorist insurance helps to cover damage other drivers cause to your vehicle if they don’t have enough insurance to pay for it. 

When you add coverage to your policy, you can count on paying more in monthly rates. Still, the additional coverage will offer you peace of mind whenever you get behind the wheel.

Michigan SR-22 Insurance

Auto insurance for high risk drivers in Michigan can be found, it just takes a little comparison shopping. Michigan requires its drivers to file an SR-22 after certain driving infractions. SR-22 auto insurance is essentially proof of financial responsibility. Michigan drivers may have to file an SR-22 with the state if they:

• Receive a DUI
• Are caught driving without insurance
• Receive numerous traffic citations
• Are at fault in multiple accidents
• Accumulate too many points on their license

An SR-22 is not a specific type of auto insurance. Rather, it is a form your insurance company can file on your behalf with the state proving you carry the proper coverage.

If you have a current insurance company, you need to speak with a representative to see if the company will file an SR-22 on your behalf. In most cases, this will not be a problem, and you’ll be able to keep the coverage you’ve had with your insurer. Cheap auto insurance for high risk drivers in Michigan can definitely be attainable.

If you are uninsured but need an SR-22, you’ll have to find a company willing to offer you coverage. It may be difficult to find a company willing to file an SR-22 for you, but if you take your time and do some research, you should be able to find one. Read our Progressive SR-22 insurance review to find affordable auto insurance in Michigan.

Sometimes, you may need to file an SR-22 even if you don’t own a car. If this happens, you may have to buy non-owner SR-22 auto insurance to file.

Buy Cheap Michigan Auto Insurance Today

You will need to research if you’re looking for cheap car insurance quotes in Michigan. Progressive offers the cheapest quotes in most instances, with Auto-Owners coming in second. Hanover is the most expensive company that offers car insurance in Michigan.

Before you commit to coverage with any provider, finding and comparing auto insurance quotes from multiple companies in your area is a good idea. Doing so will help you determine which company will offer the coverage you want at a rate that works for your budget and be able to find the best insurance in Michigan.

While choosing a minimum coverage auto insurance policy may be the cheapest option in Michigan, it’s not always the best idea. Instead, you should consider purchasing a more robust policy to stay protected when you’re on the road. Stop overpaying for auto insurance. Enter your ZIP code below to find out if you can get a better deal.

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