- Best car insurance companies in Michigan
- Cheapest car insurance companies in Michigan
- Average cost of car insurance in Michigan
- Minimum car insurance requirements in Michigan
- Cheapest car insurance companies for minimum liability coverage in Michigan
- Cheapest car insurance cost in Michigan by age
- Cheapest car insurance companies in Michigan by driver profile
- Compare auto insurance rates by city in Michigan
- Methodology
- Compare auto insurance rates with other states
Best car insurance companies in Michigan
Auto-Owners is the best car insurance company in Michigan, based on data analysis by Insurance.com, with an overall rating of 3.82.
Below is a full list of the top Michigan auto insurance companies based on price, NAIC complaint ratio, and AM Best financial ratings. The total Insurance.com score is calculated out of five using these factors.
| Company | AM Best | Avg. Annual Premium | J.D. Power | NAIC | Insurance.com score |
|---|---|---|---|---|---|
| Auto-Owners | A++ | $2,080 | 833 | 0.5 | 3.82 |
| Travelers | A++ | $1,355 | 806 | 0.49 | 3.77 |
| Geico | A++ | $1,553 | 831 | 0.91 | 3.37 |
| Progressive | A+ | $2,069 | 816 | 0.65 | 3.19 |
| State Farm | A++ | $3,601 | 837 | 0.7 | 2.79 |
| Automobile Club MI (AAA) | A | $2,526 | 786 | 0.77 | 2.46 |
Cheapest car insurance companies in Michigan
Don't just go with the first insurer you come across. Comparison shopping is the key when it comes to finding the best deal on auto insurance. Get quotes from several different insurers and compare their rates. You may be surprised at how much difference there can be in rates from one company to another.
We have gathered price quotes from all the major insurance providers in Michigan and put together a list of the cheapest car insurance companies. Based on a rate analysis by Insurance.com, Travelers offers the cheapest full coverage car insurance in Michigan, with average rates of $1,355 annually or $113 a month.
| Company | State minimum liability | 50/100/50 liability | 100/300/100 liability with $500 deductible |
|---|---|---|---|
| Travelers | $106 | $121 | $1,355 |
| USAA* | $320 | $379 | $1,514 |
| Geico | $620 | $638 | $1,553 |
| Progressive | $789 | $829 | $2,069 |
| Auto-Owners | $467 | $489 | $2,080 |
| Automobile Club MI (AAA) | $507 | $545 | $2,526 |
| Pioneer State Mutual | $585 | $664 | $2,649 |
| Frankenmuth Insurance | $695 | $743 | $2,822 |
| Michigan Farm Bureau | $810 | $847 | $2,911 |
| State Farm | $1,334 | $1,385 | $3,601 |
*USAA offers car insurance only to military members, veterans and their families.
Average cost of car insurance in Michigan
The average car insurance cost in Michigan is $2,266 a year for a full coverage policy with a coverage level of 100/300/100 for a driver age 40, according to a rate analysis by Insurance.com. For the state minimum coverage, the average annual cost in Michigan is $604.
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Most & least expensive ZIP codes for auto insurance in Michigan
Most Expensive
| Zip Code | City | Highest Rate |
|---|---|---|
| 48206 | Detroit | $276 |
| 48211 | Detroit | $274 |
| 48204 | Detroit | $274 |
| 48208 | Detroit | $272 |
Least Expensive
| Zip Code | City | Lowest Rate |
|---|---|---|
| 49417 | Grand Haven | $163 |
| 49085 | St. Joseph | $163 |
| 49456 | Spring Lake | $165 |
| 48177 | Samaria | $168 |
Minimum car insurance requirements in Michigan
In Michigan, you need a minimum of 50/100/50 liability car insurance coverage. Michigan's state minimum liability insurance costs an average of $604 annually or $50 monthly.
Cheapest car insurance companies for minimum liability coverage in Michigan
According to Insurance.com data, Auto-Owners provides the cheapest state minimum liability insurance, averaging $320 annually or $27 monthly. USAA offers cheaper rates but has eligibility criteria.
Below is the list of Michigan's most affordable car insurance companies with their state minimum coverage rates.
| Company | Average annual premium | Average monthly premium |
|---|---|---|
| USAA* | $320 | $27 |
| Auto-Owners | $467 | $39 |
| Automobile Club MI (AAA) | $507 | $42 |
| Pioneer State Mutual | $585 | $49 |
| Geico | $620 | $52 |
| Frankenmuth Insurance | $695 | $58 |
| Progressive | $789 | $66 |
| Michigan Farm Bureau | $810 | $67 |
| State Farm | $1,334 | $111 |
*USAA offers coverage only to military veterans and their family
Cheapest car insurance cost in Michigan by age
In Michigan, car insurance rates are higher for teenagers as they are more prone to accidents due to their lack of experience on the road.
Auto-Owners offers the cheapest car insurance for teen drivers in Michigan at $3,749 per year for a full coverage policy.
Car insurance rates will decrease as teens age and keep a good driving record. Car insurance rates for adults 25+ and seniors 60+ are lower than those for teens and young adults.
In Michigan, Travelers offers the cheapest full coverage car insurance for adult drivers (25-55 year-olds) and senior drivers at $1,299 per year and $1,376 per year.
| Age | Company | Avg annual premium |
|---|---|---|
| Teens (16-19) | Auto-Owners | $3,749 |
| Teens (16-19) | Geico | $3,891 |
| Teens (16-19) | USAA* | $4,727 |
| Teens (16-19) | Michigan Farm Bureau | $5,350 |
| Teens (16-19) | Automobile Club MI (AAA) | $6,172 |
| Teens (16-19) | Frankenmuth Insurance | $6,288 |
| Teens (16-19) | Pioneer State Mutual | $6,576 |
| Teens (16-19) | Travelers | $7,271 |
| Teens (16-19) | Progressive | $7,797 |
| Teens (16-19) | State Farm | $10,095 |
| Young Adults (20-24) | Geico | $2,199 |
| Young Adults (20-24) | USAA* | $2,496 |
| Young Adults (20-24) | Auto-Owners | $2,765 |
| Young Adults (20-24) | Progressive | $3,254 |
| Young Adults (20-24) | Travelers | $3,263 |
| Young Adults (20-24) | Michigan Farm Bureau | $4,190 |
| Young Adults (20-24) | Automobile Club MI (AAA) | $4,322 |
| Young Adults (20-24) | Frankenmuth Insurance | $4,449 |
| Young Adults (20-24) | Pioneer State Mutual | $4,765 |
| Young Adults (20-24) | State Farm | $5,880 |
| Adults (25-60) | Travelers | $1,299 |
| Adults (25-60) | Geico | $1,542 |
| Adults (25-60) | USAA* | $1,577 |
| Adults (25-60) | Auto-Owners | $2,029 |
| Adults (25-60) | Progressive | $2,058 |
| Adults (25-60) | Automobile Club MI (AAA) | $2,460 |
| Adults (25-60) | Pioneer State Mutual | $2,647 |
| Adults (25-60) | Frankenmuth Insurance | $2,806 |
| Adults (25-60) | Michigan Farm Bureau | $2,903 |
| Adults (25-60) | State Farm | $3,588 |
| Seniors (65-75) | Travelers | $1,376 |
| Seniors (65-75) | USAA* | $1,585 |
| Seniors (65-75) | Progressive | $1,968 |
| Seniors (65-75) | Auto-Owners | $2,001 |
| Seniors (65-75) | Geico | $2,303 |
| Seniors (65-75) | Automobile Club MI (AAA) | $2,307 |
| Seniors (65-75) | Pioneer State Mutual | $2,316 |
| Seniors (65-75) | Frankenmuth Insurance | $2,665 |
| Seniors (65-75) | Michigan Farm Bureau | $2,752 |
| Seniors (65-75) | State Farm | $3,420 |
*USAA offers car insurance only to military members, veterans and their families.
Cheapest car insurance companies in Michigan by driver profile
Drivers who have accidents or tickets are considered a higher risk and will pay more for car insurance.
However, the severity and frequency of these incidents will also play a role in your insurance rates. For instance, drivers with a single minor accident will see a smaller increase in their rates compared to those with multiple major accidents.
Below are average Michigan rates by company for drivers with accidents and tickets on their driving record.
| Company | Clean record | Accident | Speeding Ticket |
|---|---|---|---|
| USAA* | $1,625 | $2,770 | $2,298 |
| Automobile Club of MI (AAA) | $1,843 | $4,945 | $3,522 |
| Geico | $1,939 | $5,539 | $3,713 |
| Progressive | $1,957 | $2,779 | $2,436 |
| Auto-Owners | $2,825 | $4,238 | $4,551 |
| Auto Club Enterprises (AAA) | $4,106 | $11,029 | $7,848 |
| Travelers | $4,195 | $5,968 | $4,753 |
| State Farm | $4,487 | $5,594 | $7,807 |
| Allstate | $4,739 | $8,925 | $5,888 |
| Farmers | $10,710 | $16,666 | $14,676 |
*USAA offers car insurance only to military members, veterans and their families.
Compare auto insurance rates by city in Michigan
Auto insurance rates in your city can differ significantly from the state average due to factors such as population density, increased instances of auto theft or accidents, and a few other factors. It's best to compare quotes from various insurance providers to find the most competitive rates for your specific city in Michigan.
| City | Annual insurance premium |
|---|---|
Burton | $2,400 |
Detroit | $2,987 |
Grand Rapids | $2,137 |
Methodology
Insurance.com commissioned Quadrant Information Services in 2023 to field rates from major insurers in every state across most ZIP codes. Driver profile: male, age 40, driving a 2023 Honda Accord LX with full coverage of 100/300/100 with comprehensive and collision; $500 deductible.
The car insurance rates for drivers with accidents and tickets are averaged based on rates for the following accidents and tickets:
Accidents:
- 1 at-fault property damage accident over $2k
- 1 at-fault property damage accident under $2k
- At-fault bodily injury accident
- Single vehicle accident
Tickets:
- Distracted driving ticket
- Speeding ticket 1- 10 MPH over limit
- Speeding ticket 11- 29 MPH over limit
- Talking on cellphone ticket
- Texting ticket
Insurance.com analyzed rates from more than 34,000 ZIP codes, 56 million quotes, and 136 companies. Rates sourced from Quadrant Data Services are for comparison purposes only; your rates may differ.
Compare auto insurance rates with other states
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