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Cheapest car insurance in Michigan in 2023

Updated Feb 06, 2023
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The cheapest car insurance companies in Michigan

To help you look for the cheapest car insurance companies in Michigan, Bankrate analyzed average car insurance rates from various companies based on a variety of situations. Your rates will vary depending on individual driving factors so it’s advantageous to quote from more than one company for the best rate.

Cheapest company for minimum coverage

Company Average monthly minimum coverage premium Average annual minimum coverage premium
Secura $10 $117

Cheapest company for full coverage

Company Average monthly full coverage premium Average annual full coverage premium
Secura $78 $940

Cheapest company for adding a teen driver

Company Average monthly minimum coverage premium Average annual minimum coverage premium
Secura $28 $332

Cheapest company for getting a speeding ticket

Company Average monthly minimum coverage premium Average annual minimum coverage premium
Secura $10 $117

Cheapest company for getting a speeding ticket

Company Average monthly minimum coverage premium Average annual minimum coverage premium
Auto-Owners $10 $117

Cheapest company after a high-risk incident

Company Average monthly minimum coverage premium Average annual minimum coverage premium
Chubb $37 $440

The cheapest car insurance companies in Michigan by coverage level

Each state, including Michigan, has minimum car insurance coverage requirements you must meet to drive legally. Minimum coverage is cheaper on average than full coverage car insurance, but you will be less financially protected in the event of a covered incident. Most insurance professionals recommend higher liability limits and additional coverage, like comprehensive and collision coverage, if you can afford it. While full coverage might be optional for some drivers, it’s usually required if you finance or lease your vehicle. Below you can see which companies offer affordable car insurance in Michigan for full and minimum coverage in Michigan.

Secura
Rating: 3.18 stars out of 5
3.2
Bankrate Score
Info
Average monthly minimum coverage premium
$10
Average annual minimum coverage premium
$117
Annual savings vs. State average*
- $987
Travelers
Rating: 4 stars out of 5
4.0
Bankrate Score
Info
Average monthly minimum coverage premium
$13
Average annual minimum coverage premium
$155
Annual savings vs. State average*
- $949
USAA
Rating: 4.3 stars out of 5
4.3
Bankrate Score
Info
Average monthly minimum coverage premium
$29
Average annual minimum coverage premium
$350
Annual savings vs. State average*
- $754
Wolverine Mutual
Average monthly minimum coverage premium
$29
Average annual minimum coverage premium
$352
Annual savings vs. State average*
- $752
American Select Insurance
Average monthly minimum coverage premium
$31
Average annual minimum coverage premium
$375
Annual savings vs. State average*
- $729
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Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.

*Based on policies with minimum coverage for 2023

Secura
Rating: 3.18 stars out of 5
3.2
Bankrate Score
Info
Average monthly full coverage premium
$78
Average annual full coverage premium
$940
Annual savings vs. State average*
- $1,751
Geico
Rating: 4.4 stars out of 5
4.4
Bankrate Score
Info
Average monthly full coverage premium
$112
Average annual full coverage premium
$1,346
Annual savings vs. State average*
- $1,345
Hastings Mutual
Average monthly full coverage premium
$115
Average annual full coverage premium
$1,375
Annual savings vs. State average*
- $1,316
Progressive
Rating: 4.2 stars out of 5
4.2
Bankrate Score
Info
Average monthly full coverage premium
$140
Average annual full coverage premium
$1,682
Annual savings vs. State average*
- $1,009
Wolverine Mutual
Average monthly full coverage premium
$147
Average annual full coverage premium
$1,769
Annual savings vs. State average*
- $922
Powered by Coverage.com (NPN: 19966249)
Advertising Disclosure
This advertisement is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions.

Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.

*Based on policies with full coverage for 2023

Cheapest cities in Michigan for car insurance

As a way to protect consumers from what could be considered discriminatory rating factors, Michigan has banned the use of information not directly related to your driving history as factors for calculating your car insurance premium. The ban precludes auto insurers from using information like your ZIP code, occupation, marital status and homeownership to determine rates.

Due to these regulatory restrictions, average premiums across Michigan cities are fairly similar. However, other geographic factors may still affect the cost of coverage, like the price of vehicle repairs and medical care in your state, as well as the statistical likelihood of accidents, theft and vandalism.

City City average annual minimum coverage premium Cheapest car insurance company Company average annual minimum coverage premium
Grosse Isle $962 Secura $117
Livonia $970 Secura $117
New Boston $990 Secura $117
Armada $1,002 Travelers $90
Birmingham $1,005 Secura $117
Bloomfield Hills $1,006 Secura $117
Keego Harbor $1,006 Travelers $90
Clawson $1,007 Secura $117
Troy $1,023 Secura $117
Flat Rock $1,027 Secura $117
City City average annual full coverage premium Cheapest car insurance company Company average annual full coverage premium
Grosse Isle $2,452 Secura $940
Livonia $2,455 Secura $940
Keego Harbor $2,462 Secura $940
Armada $2,466 Secura $940
Bloomfield Hills $2,480 Secura $940
New Boston $2,484 Secura $940
Birmingham $2,497 Secura $940
Clawson $2,501 Secura $940
Utica $2,503 Secura $940
Burton $2,507 Secura $940

Factors that impact cheap rates in Michigan

Car insurance rates aren’t static. They may change based on your current circumstances. You might want to consider shopping around for cheap Michigan car insurance if your rate has recently changed because of an event like one of the following.

Insuring a teen driver

Teen drivers pay some of the highest average rates of any age group due to their lack of experience behind the wheel. Adding a teen driver to your policy could increase your insurance costs, so you might want to check around for low-cost car insurance options in Michigan for teen drivers. You could also take advantage of teen discounts, like savings for good students and those who participate in teen driver safety programs. Our research found that these five companies offered the cheapest minimum coverage for a 16-year-old driver added to their married parents' policy:

Car insurance company Average annual minimum coverage premium Average annual full coverage premium
Secura $332 $2,179
Chubb $720 $3,099
Travelers $750 $10,905
AAA $775 $2,913
Auto-Owners $852 $3,457

Getting a speeding ticket

Speeding ticket convictions may be a red flag for auto insurers that your driving habits aren’t safe. Speeding tickets typically increase your car insurance rates for three to five years, depending on the carrier. Although all carriers will have access to your driving record specifics, some may not raise your rates as much for a single speeding ticket conviction. Based on Bankrate research, the following companies offer some of the cheapest car insurance in Michigan for drivers with a single speeding ticket conviction.

Car insurance company Average annual minimum coverage premium Average annual full coverage premium
Secura $117 $940
Travelers $284 $4,260
Wolverine Mutual $352 $1,835
Chubb $440 $2,043
American Select Insurance Company $445 $2,749

Getting into an at-fault accident

If you cause an accident, insurance companies may see you as riskier to insure and increase your rates accordingly. If you have a clean driving record at the time of your accident and you have an accident forgiveness benefit on your insurance policy, you might avoid this surcharge after your first accident. If you have just one at-fault accident on your record, you might find low-cost car insurance in Michigan by shopping with the companies below:

Car insurance company Average annual minimum coverage premium Average annual full coverage premium
Secura $117 $940
Travelers $400 $5,387
Chubb $440 $2,043
Wolverine Mutual $466 $2,381
American Select Insurance Co $517 $3,006

Being deemed a high-risk driver

Several scenarios may cause you to be considered a high-risk driver by insurance companies. Multiple at-fault accidents, several speeding tickets or a DUI conviction might mean you are a greater risk to an insurance company. Not all auto insurers will write policies for high-risk drivers, especially if you have been convicted of a DUI in the last three to five years.

If you are a high-risk driver, you might have limited options for cheap auto insurance in Michigan. Doing more research and getting quotes from companies that tailor their coverage to non-standard drivers might help you find more affordable rates. Based on our research, these companies may have the lowest rates for drivers with a high-risk incident on their record:

Car insurance company Average annual minimum coverage premium Average annual full coverage premium
Chubb $440 $2,043
Secura $587 $3,828
USAA $647 $2,541
Travelers $777 $8,873
Wolverine Mutual $993 $5,006

Minimum coverage requirements for Michigan drivers

Like drivers in most states, Michigan drivers are required to carry at least a minimum amount of car insurance. To register your vehicle with the state’s department of motor vehicles (DMV), you must show proof that you purchased at least the minimum amount of coverage, which is 50/100/10:

  • $50,000 bodily injury liability per person
  • $100,000 bodily injury liability per accident
  • $10,000 property damage liability per accident (for damage in other states)
  • $1 million property protection insurance (PPI)

Michigan car insurance laws require policies default to 250/500/10 coverage, so you will need to select lower limits if you want to purchase minimum coverage. Additionally, Michigan is a no-fault state, which means drivers have to carry personal injury protection (PIP) coverage. If you are in an accident, personal injury protection will pay for your medical expenses and lost wages, as well as the same costs for any passengers you have, up to your coverage limits, regardless of who caused the accident. As a result of auto insurance reform implemented in 2020, Michigan drivers can choose from six options for personal injury protection insurance.

If you want to save money on car insurance, you may be tempted to purchase minimum coverage. While minimum coverage is often a cheaper option, most insurance professionals advise that you purchase higher liability limits if you can afford to so for more financial protection. Minimum coverage also does not provide any coverage for damage to your vehicle, including collisions, storm damage and theft. For that, you will need full coverage. You may even be required to purchase full coverage if you have a loan or lease on your car.

How to get the cheapest car insurance in Michigan

If you’re wondering how to save on car insurance in Michigan, there are some strategies you could take without compromising on the coverage you want. Here are some additional strategies that might earn you cheaper car insurance in Michigan:

Compare quotes from multiple carriers

Shopping around may help you find cheap auto insurance in Michigan, as every car insurance company has its own algorithm for determining rates. For this reason, when requesting quotes, you may find that you receive different premium estimates from different companies for the same coverage options.

Review your coverage types and discounts each year

Car insurance relies heavily on individual rating factors. Even with Michigan's more restricted rating factors, you might save if you shop around following significant life events. These may include adding a teen driver to your policy, buying a new vehicle or getting a speeding ticket. You may also save by reevaluating your coverage types and eligible discounts each year.

Car insurance discounts in Michigan

Taking advantage of car insurance discounts may help lower your car insurance premium even further. While every car insurance company offers a different list of discounts, here are some you could ask about for extra Michigan car insurance savings:

  • Young driver discounts: These may include a good student discount and a student-away-from-home discount for college students. Some insurers may also offer additional savings for teens who complete an approved safe driving course.
  • Professionals discounts: If you are a member of a qualified organization or company, you may earn an affiliate discount with some companies.
  • Vehicle discounts: Some carriers may offer discounts based on built-in safety features of your car, or if it is a hybrid or electric vehicle.
  • Safe driver discounts: Many car insurance companies offer discounts to drivers who have remained free from tickets and accidents for a certain length of time (generally three to five years). 
  • Other discounts: If you insure your home and auto with the same company, you might qualify for a bundling discount. Drivers may also want to consider signing up for telematics, which could net you savings if you allow your company to track your safe driving habits. Another common discount you might be interested in is the pay-in-full discount, which could help you save by paying your premium as a lump sum rather than in installments. 

Frequently asked questions

Methodology

Bankrate utilizes Quadrant Information Services to analyze 2023 rates for ZIP codes and carriers in all 50 states and Washington, D.C. Rates are weighted based on the population density in each geographic region. Quoted rates are based on a 40-year-old male and female driver with a clean driving record, good credit and the following full coverage limits:

  • $100,000 bodily injury liability per person
  • $300,000 bodily injury liability per accident
  • $50,000 property damage liability per accident
  • $100,000 uninsured motorist bodily injury per person
  • $300,000 uninsured motorist bodily injury per accident
  • $500 collision deductible
  • $500 comprehensive deductible

To determine minimum coverage limits, Bankrate used minimum coverage that meets each state’s requirements. Our base profile drivers own a 2021 Toyota Camry, commute five days a week and drive 12,000 miles annually. 

These are sample rates and should only be used for comparative purposes.

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Written by
Carol Pope
Insurance Writer

Carol Pope is an insurance writer for Bankrate and prior to joining the team, she spent 12 years as an auto insurance agent. During this time, she sold, serviced and underwrote auto insurance for people across the country. She also has experience selling supplement coverage such as umbrella insurance.

Edited by Insurance Editor
Reviewed by Director of corporate communications, Insurance Information Institute