Cheapest Car Insurance In Michigan (2024)
The cheapest car insurance in Michigan comes from USAA at $42 per month on average.
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Given that the cost of car insurance is going up, it’s advisable for drivers in Michigan to compare different policies in order to find the coverage that is the least expensive. Our reviews team has researched the best car insurance companies nationwide. We carefully examined the reputation, customer satisfaction, coverage options, and average premiums of each provider.
In this review, we will talk about the most effective ways to cut costs on car insurance and show you where to find the least expensive options in Michigan, depending on your driving information.
Key Points
- USAA is the cheapest car insurance company in Michigan overall, with an average rate of $42 per month for minimum coverage and $195 per month for full coverage.
- Auto-Owners and Pioneer State Mutual also offer affordable car insurance rates for many driver profiles.
- If you’re under 25 or have traffic violations, your car insurance rates will be higher than the average rates for drivers.
- You can save on car insurance by opting for minimum coverage, looking for discounts, increasing your deductible, and bundling your auto insurance with other policies.
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Different car insurance companies have varying ways of evaluating driver profiles. Therefore, the provider that is most affordable for one driver may not be the most affordable option for you. To illustrate this, here is a comparison of the cheapest auto insurance providers and their rates for different types of drivers in Michigan.
| Cheapest Car Insurance Company | Average Monthly Cost | Average Annual Cost | |
|---|---|---|---|
| Minimum coverage | USAA | $42 | $505 |
| Full coverage | USAA | $195 | $2,340 |
| 16-year-olds | Auto-Owners | $77 | $926 |
| 45-year-olds | USAA | $41 | $487 |
| High-risk drivers | USAA | $57 | $681 |
| After a speeding ticket | USAA | $52 | $624 |
| After an accident | USAA | $54 | $648 |
| After a DUI | USAA | $64 | $771 |
| Poor credit drivers | USAA | $42 | $505 |
*Unless stated otherwise, average costs are minimum-coverage rates for single male drivers between the ages of 25 and 35 with a clean driving history.
What Is The Cheapest Car Insurance Company In Michigan?
In general, we discovered that when it comes to car insurance in Michigan, USAA tends to have the lowest prices for most types of drivers. The following sections will cover the average monthly costs of both minimum- and full-coverage car insurance from the cheapest companies in Michigan.
These rates apply to drivers in Michigan who are of varying ages, live in different places, and have different driving experiences. The cheapest companies are organized by minimum coverage costs.
Cheapest Minimum Coverage In Michigan: USAA
Drivers looking for the most affordable coverage that just meets Michigan state minimum requirements may find it at USAA for about $42 per month or $505 per year on average.
| Cheapest Car Insurance in Michigan | Average Monthly Cost | Average Annual Cost |
|---|---|---|
| USAA | $42 | $505 |
| Auto-Owners | $51 | $614 |
| Pioneer State Mutual | $57 | $681 |
| Progressive | $82 | $980 |
| Frankenmuth | $91 | $1,096 |
| Farm Bureau of Michigan | $98 | $1,179 |
| AAA | $141 | $1,689 |
| State Farm | $146 | $1,750 |
| Hanover | $288 | $3,454 |
Cheapest Full Coverage In Michigan: USAA
If you want the best coverage for a good price, USAA is the top choice. The provider offers full-coverage insurance for an average of $195 per month.
Full-coverage insurance policies in Michigan generally include liability insurance, uninsured/underinsured motorist coverage, collision coverage, and comprehensive insurance.
| Cheapest Car Insurance in Michigan | Average Monthly Cost | Average Annual Cost |
|---|---|---|
| USAA | $195 | $2,340 |
| Auto-Owners | $205 | $2,464 |
| Progressive | $225 | $2,699 |
| Pioneer State Mutual | $241 | $2,893 |
| Farm Bureau of Michigan | $278 | $3,339 |
| Frankenmuth | $300 | $3,594 |
| AAA | $321 | $3,850 |
| State Farm | $354 | $4,252 |
| Hanover | $906 | $10,874 |
Cheapest Car Insurance In Michigan: Age
Below, you’ll find average insurance costs for Michigan drivers ages 16 to 55 as well as the top five cheapest car insurance companies for each age group. Drivers who are between 30 and 55 years old usually receive the most affordable car insurance rates. This is because they have more road experience and are less likely to be involved in accidents compared to younger drivers, as supported by statistics.
Average Car Insurance Rates By Age
| Age | Minimum-Coverage Average Monthly Cost | Full-Coverage Average Monthly Cost |
|---|---|---|
| 16 | $279 | $902 |
| 25 | $115 | $363 |
| 35 | $106 | $310 |
| 45 | $107 | $298 |
| 55 | $103 | $274 |
Cheapest Michigan Car Insurance: Young Drivers
As mentioned, teenage drivers and early 20s typically pay the most expensive car insurance rates. That’s mostly because these drivers don’t have much experience driving and are more likely to break traffic rules and have car crashes.
In fact, the fatal crash rate per mile driven for teen drivers was nearly three times the rate for drivers 20 years old and older in 2021, according to the Insurance Institute for Highway Safety.
Cheapest Michigan Car Insurance For 16-Year-Olds: Auto-Owners
If you’re a teen driver or the parent of one, Auto-Owners may be your best bet for finding the most affordable car insurance in Michigan.
The company’s cheapest average rates for 16-year-old drivers are $77 per month or $926 per year, which is relatively affordable compared to other states. If you’re looking for full coverage, the average is $364 per month or $4,370 per year from Auto-Owners.
| Cheapest Car Insurance in Michigan | Minimum-Coverage Average Monthly Cost | Full-Coverage Average Monthly Cost |
|---|---|---|
| Auto-Owners | $77 | $364 |
| USAA | $101 | $606 |
| Pioneer State Mutual | $128 | $590 |
| Farm Bureau of Michigan | $164 | $470 |
| Frankenmuth | $222 | $611 |
| Progressive | $302 | $1,022 |
| AAA | $398 | $1,001 |
| State Farm | $495 | $1,108 |
| Hanover | $627 | $2,343 |
Cheapest Michigan Car Insurance For 25-Year-Olds: USAA
Car insurance rates for young drivers in their 20s decrease a lot compared to what teenage drivers pay. However, the rates can still be high depending on the insurance company you select.
USAA provides the cheapest car insurance costs on average at $44 per month or $524 per year for minimum coverage. Auto-Owners costs $212 per month or $2,545 per year for full coverage.
| Cheapest Car Insurance in Michigan | Minimum-Coverage Average Monthly Cost | Full-Coverage Average Monthly Cost |
|---|---|---|
| USAA | $44 | $217 |
| Auto-Owners | $53 | $212 |
| Pioneer State Mutual | $60 | $263 |
| Progressive | $83 | $240 |
| Frankenmuth | $96 | $333 |
| Farm Bureau of Michigan | $107 | $304 |
| AAA | $136 | $328 |
| State Farm | $157 | $380 |
| Hanover | $301 | $987 |
Cheapest Michigan Car Insurance: Adult Drivers
People in their 40s usually have the lowest auto insurance rates. You can compare typical car insurance expenses of drivers in their 30s, 40s, and 50s from the top five cheapest companies for each age group below.
Cheapest Michigan Car Insurance For 35-Year-Olds: USAA
Drivers in their mid-30s may insure their cars at the cheapest cost by getting a minimum coverage car insurance policy from USAA. The company offers average minimum-coverage costs of $40 per month or $485 per year. For full coverage, USAA’s rates average $173 monthly or $2,078 annually.
| Cheapest Car Insurance in Michigan | Minimum-Coverage Average Monthly Cost | Full-Coverage Average Monthly Cost |
|---|---|---|
| USAA | $40 | $173 |
| Auto-Owners | $50 | $199 |
| Pioneer State Mutual | $53 | $220 |
| Progressive | $81 | $210 |
| Frankenmuth | $87 | $266 |
| Farm Bureau of Michigan | $89 | $252 |
| State Farm | $135 | $329 |
| AAA | $146 | $313 |
| Hanover | $275 | $825 |
Cheapest Michigan Car Insurance For 45-Year-Olds: USAA
Forty-five-year-old drivers may find the most affordable minimum coverage from USAA, with average rates of $41 per month or $487 per year. The cheapest full coverage comes from USAA at $162 per month or $1,947 per year.
| Cheapest Car Insurance in Michigan | Minimum-Coverage Average Monthly Cost | Full-Coverage Average Monthly Cost |
|---|---|---|
| USAA | $41 | $162 |
| Pioneer State Mutual | $54 | $207 |
| Auto-Owners | $54 | $197 |
| Frankenmuth | $77 | $244 |
| Progressive | $82 | $204 |
| Farm Bureau of Michigan | $86 | $241 |
| State Farm | $139 | $326 |
| AAA | $150 | $310 |
| Hanover | $279 | $790 |
Cheapest Michigan Car Insurance For 55-Year-Olds: USAA
Drivers who are in their 50s tend to find the most affordable car insurance rates in Michigan when they choose USAA. The insurer’s average premiums are $41 monthly or $494 annually for minimum coverage. The cheapest full coverage option is from USAA, costing $162 monthly or $1,947 annually
| Cheapest Car Insurance in Michigan | Minimum-Coverage Average Monthly Cost | Full-Coverage Average Monthly Cost |
|---|---|---|
| USAA | $41 | $163 |
| Pioneer State Mutual | $55 | $191 |
| Auto-Owners | $58 | $188 |
| Frankenmuth | $69 | $217 |
| Progressive | $78 | $181 |
| Farm Bureau of Michigan | $78 | $221 |
| State Farm | $132 | $307 |
| AAA | $147 | $289 |
| Hanover | $270 | $713 |
Cheapest Car Insurance In Michigan: High-Risk Drivers
Besides the kind of coverage you choose and how old you are, how safely you drive has a significant impact on your car insurance costs. Auto insurers typically determine if you’re a high-risk driver by looking at how many infractions are on your driving record, including speeding tickets, at-fault accidents, and DUI convictions.
Average Car Insurance Rates For High-Risk Drivers
Drivers with a history of multiple violations on their records are charged car insurance premiums that are higher than the average rates. On average, Michigan motorists who are deemed high-risk may find the most affordable rates from USAA for minimum coverage or Progressive for full coverage.
| Cheapest Car Insurance in Michigan | Minimum-Coverage Average Monthly Cost | Full-Coverage Average Monthly Cost |
|---|---|---|
| USAA | $57 | $300 |
| Auto-Owners | $87 | $334 |
| Progressive | $93 | $268 |
| Pioneer State Mutual | $100 | $386 |
| Farm Bureau of Michigan | $185 | $486 |
| Frankenmuth | $254 | $680 |
| State Farm | $275 | $611 |
| Hanover | $507 | $1,438 |
| AAA | $522 | $923 |
Cheapest Michigan Car Insurance For Drivers With A Speeding Ticket: USAA
Drivers with a speeding citation on their record can generally find the most affordable coverage from USAA, with average rates of $52 per month or $624 per year for minimum coverage and $277 per month or $3,323 per year for full coverage.
| Cheapest Car Insurance in Michigan | Minimum-Coverage Average Monthly Cost | Full-Coverage Average Monthly Cost |
|---|---|---|
| USAA | $52 | $277 |
| Auto-Owners | $79 | $308 |
| Progressive | $91 | $264 |
| Pioneer State Mutual | $105 | $402 |
| Frankenmuth | $144 | $455 |
| Farm Bureau of Michigan | $167 | $439 |
| State Farm | $255 | $570 |
| AAA | $413 | $782 |
| Hanover | $446 | $1,246 |
Cheapest Michigan Car Insurance For Drivers With An At-Fault Accident: USAA
Getting into a car accident in Michigan can also make your car insurance rates go up. USAA tends to offer the most affordable rates on average at about $54 per month or $648 per year for minimum coverage and $274 per month or $274 per year for full coverage.
| Cheapest Car Insurance in Michigan | Minimum-Coverage Average Monthly Cost | Full-Coverage Average Monthly Cost |
|---|---|---|
| USAA | $54 | $274 |
| Auto-Owners | $59 | $239 |
| Pioneer State Mutual | $70 | $289 |
| Progressive | $100 | $287 |
| Farm Bureau of Michigan | $113 | $322 |
| Frankenmuth | $128 | $383 |
| State Farm | $177 | $416 |
| AAA | $348 | $698 |
| Hanover | $505 | $1,412 |
Cheapest Michigan Car Insurance For Drivers With A DUI: USAA
If you’re a motorist with a DUI conviction, you may find the cheapest minimum car insurance in Michigan from USAA for $64 per month or $771 per year on average. They also have rates of $351 monthly or $4,209 annually for full coverage.
| Cheapest Car Insurance in Michigan | Minimum-Coverage Average Monthly Cost | Full-Coverage Average Monthly Cost |
|---|---|---|
| USAA | $64 | $351 |
| Progressive | $89 | $252 |
| Auto-Owners | $123 | $455 |
| Pioneer State Mutual | $125 | $466 |
| Farm Bureau of Michigan | $275 | $695 |
| State Farm | $395 | $846 |
| Frankenmuth | $490 | $1,203 |
| Hanover | $570 | $1,655 |
| AAA | $806 | $1,290 |
Cheapest Michigan Car Insurance For Drivers With Poor Credit: USAA
People who have bad credit are charged more for their car insurance. Those who don’t have the best credit history may want to check out USAA, which has an average minimum-coverage rate of $79 per month or $945 per year and an average full-coverage rate of $388 per month or $4,659 per year.
| Cheapest Car Insurance in Michigan | Minimum-Coverage Average Monthly Cost | Full-Coverage Average Monthly Cost |
|---|---|---|
| USAA | $79 | $388 |
| Pioneer State Mutual | $98 | $386 |
| Auto-Owners | $115 | $513 |
| Progressive | $121 | $389 |
| Frankenmuth | $188 | $599 |
| Farm Bureau of Michigan | $288 | $713 |
| AAA | $510 | $822 |
| State Farm | $603 | $1,295 |
| Hanover | $896 | $2,169 |
Average Cost Of Car Insurance In 10 Michigan Cities
Your location in Michigan also affects how much you spend on car insurance. Auto insurance companies consider drivers riskier to cover in areas with:
- Larger number of people
- There are a greater number of vehicles traveling on the streets.
- More car accidents happening at a greater frequency.
- More instances of traffic violations
- More incidents of car theft and car vandalism
- Extreme weather conditions
Certain factors that increase the likelihood of risks have a greater impact on car owners in big cities. This explains why drivers in busy cities have to pay the highest average amount for minimum car insurance coverage. On the other hand, drivers living in rural areas with lower crime rates and smaller populations usually enjoy lower insurance rates.
| City | Minimum-Coverage Average Monthly Cost | Full-Coverage Average Monthly Cost |
|---|---|---|
| Detroit | $381 | $863 |
| Grand Rapids | $89 | $282 |
| Sterling Heights | $218 | $440 |
| Rochester Hills | $108 | $310 |
| Taylor | $184 | $404 |
| Royal Oak | $121 | $312 |
| Southfield | $228 | $538 |
| Westland | $161 | $380 |
| Roseville | $214 | $446 |
| Lansing | $105.21 | $323.12 |
Top 5 Car Insurance Companies In Michigan
Besides the cost, we have examined more than 40 insurance companies considering their coverage, service, and reliability. Our goal is to identify the top five insurers for residents of Michigan. Based on our research, we found USAA to be the best provider for most drivers in Michigan. These are our ratings for the choices we recommend.
| Overall Rating | Cost | Coverage | Reliability | Service | |
|---|---|---|---|---|---|
| #1 State Farm | 4.7 | 4.3 | 4.6 | 5.0 | 4.5 |
| #2 AAA | 4.5 | 4.5 | 4.9 | 4.1 | 4.4 |
| #3 Progressive | 4.5 | 4.0 | 4.8 | 4.8 | 4.1 |
| #4 USAA | 4.5 | 4.7 | 4.8 | 4.5 | 4.3 |
| #5 Auto-Owners | 4.4 | 4.5 | 4.7 | 4.6 | 4.4 |
*The overall and category ratings above are based on nationwide factors.
How To Get The Cheapest Car Insurance In Michigan
In Michigan, you have multiple options to reduce your car insurance expenses. These include:
- Opting for minimum coverage: If you only get the least amount of insurance that your state requires, you will pay the least amount for car insurance.
- Seeking out discounts: Most insurance companies have multiple discounts that can help cut down on premium costs, from military and good student discounts to discounts for drivers that remain accident free for five years.
- Raising your deductible: A higher deductible will lower your premium costs, but you’ll have to pay more out of pocket if you file a claim.
- Bundling your auto insurance: You can often bundle your auto insurance with a homeowners insurance policy or other type of coverage to earn a discount.
- Comparing quotes: Getting price estimates from several different companies can give you an idea of which provider might offer the most favorable offer.
Many insurance companies offer usage-based insurance programs, which can help you save money. These programs use telematics to monitor your driving habits–from your speed and braking to the time of day you drive. If you drive safely, you might receive a significant discount. However, certain programs may increase your rates if you engage in risky driving behaviors.
Some companies also offer diminishing deductibles and accident forgiveness. A diminishing deductible option decreases your deductible amount each time you renew your policy. Accident forgiveness ensures that your rates won’t increase after your first accident with the company.
What Does Michigan Require For Car Insurance?
Drivers in Michigan must meet minimum insurance requirements as outlined by state law, which include basic liability insurance and uninsured/underinsured motorist (UM/UIM) coverage:
- $100,000 bodily injury liability per accident
- $50,000 bodily injury liability per person
- $10,000 property damage liability per accident
- $250,000 personal injury protection
- $1 million property protection within Michigan also required. Lower personal injury protection limits are available for certain Medicare and Medicaid recipients.
Liability coverage only takes care of other parties’ injuries and property damages in an accident that you cause. UM/UIM covers your injuries and property damages, but only in the case that the at-fault driver has little to no auto insurance.
Getting comprehensive insurance will ensure that your car is covered if stolen, vandalized, or damaged by floods, fire, animals, or other natural disasters. Collision insurance covers your car repairs after an accident.
Our Take: Best Cheap Car Insurance In Michigan
When it comes to both minimum and full coverage, USAA is the best and cheapest car insurance company for most drivers in Michigan. While the above costs can give you an idea of what you’d pay for car insurance in Michigan, requesting a customized quote will help give you a more accurate picture of what you’ll pay.
Many companies offer quick and no-cost tools on their websites that allow you to get a quote for insurance. Alternatively, you have the option to directly contact an insurance agent or representative at the company. Once you have gathered quotes from three or more providers, you can compare them to find the best option for you.
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Best Cheap Car Insurance In Michigan: FAQ
Here are some frequently asked questions about car insurance in Michigan:
How much is car insurance per month in Michigan?
Is Michigan Car Insurance Cheaper?
How We Rate Insurers
Our review process aims to deliver consistent and unbiased assessments of car insurance providers. While there are multiple qualities that make a car insurance company successful, our review team focuses on those we believe are the most important for consumers:
- Cost: Cost can be difficult to compare between insurers because so many factors impact annual premiums. The cheapest insurer for one driver may not be the cheapest for another. To determine our cost score, we look at insurance rate estimates generated by Quadrant Information Services, discount opportunities, and consumer reports.
- Coverage: To determine our coverage score, we look at the number of coverage options available as well as coverage limits and deductible options. Our ratings also take into account additional services and benefits like roadside assistance.
- Reliability: It’s important that an auto insurer is able to meet its claims obligations. Companies with a strong financial strength rating from AM Best score best in this category. Established insurers with a long history of reliable service also receive positive marks.
- Service: We comb through customer reviews on sites like the Better Business Bureau (BBB) to learn about customer experiences. Insurers with a low volume of complaints score well in this area. We also consider the claims process, giving higher ratings to car insurance providers that offer easy-to-use claims apps.
*Data accurate at time of publication.