- Best car insurance company in Michigan: GEICO
- Cheapest car insurance company in Michigan: Travelers
- Average cost of car insurance in Michigan for state minimum and full coverage policies
- Michigan minimum car insurance coverage requirements
- Minimum liability coverage: Cheapest companies in Michigan
- Cheapest car insurance in Michigan by driver age
- Cheapest car insurance companies in Michigan for drivers with tickets and accidents
- Compare auto insurance rates by city in Michigan
- Car insurance premium trends in Michigan
- Methodology
- Compare Michigan car insurance rates with other states
Best car insurance company in Michigan: GEICO
GEICO is the best car insurance company in Michigan, based on our data analysis. Auto-Owners, Travelers, Progressive, Michigan Farm Bureau and State Farm are also among the best car insurance companies in Michigan.
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 | JD Power | NAIC | Average annual premium | Insurance.com score |
|---|---|---|---|---|---|
| GEICO | A++ | 641 | 0.69 | $1,553 | 4.21 |
| Auto-Owners | A+ | 646 | 0.54 | $2,080 | 4.1 |
| Travelers | A++ | 606 | 0.52 | $1,355 | 4.02 |
| Progressive | A+ | 648 | 0.71 | $2,069 | 3.96 |
| Michigan Farm Bureau | A- | 656 | 0.29 | $2,911 | 3.94 |
| State Farm | A++ | 665 | 0.79 | $3,601 | 3.5 |
| USAA | A++ | 726 | 1.18 | $1,514 | 4.43 |
Cheapest car insurance company in Michigan: Travelers
Travelers offers the cheapest full coverage car insurance in Michigan, with average rates of $1,355 annually or $113 a month. GEICO came in second at an average of $1,553 annually.
Comparison shopping is the key when it comes to finding the best deal on auto insurance. Compare average rates from top car insurance companies for drivers in Michigan below.
| Company | State minimum liability | 50/100/50 liability | 100/300/100 liability with $500 deductible |
|---|---|---|---|
| Travelers | $106 | $121 | $1,355 |
| 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 | $320 | $379 | $1,514 |
*USAA offers car insurance only to military members, veterans and their families.
Average cost of car insurance in Michigan for state minimum and full coverage policies
The average car insurance cost in Michigan is $2,266 a year for a full coverage policy with limits of 100/300/100 and $500 deductibles. The average cost of a state minimum policy is $604.
Rates will vary based on factors like where you live, your driving record and the car you drive.
Auto insurance calculator
Top 5 most & least expensive cities for auto insurance in Michigan
Most Expensive
| City | Highest annual rate | Highest monthly rate |
|---|---|---|
| Hamtramck | $3,174 | $265 |
| Van Buren | $3,121 | $260 |
| Dearborn | $3,069 | $256 |
| Detroit | $3,066 | $255 |
| Dearborn Heights | $2,936 | $245 |
Least Expensive
| City | Lowest annual rate | Lowest monthly rate |
|---|---|---|
| St. Joseph | $1,957 | $163 |
| Grand Haven | $1,961 | $163 |
| Spring Lake | $1,985 | $165 |
| Samaria | $2,018 | $168 |
| Zeeland | $2,025 | $169 |
The Michigan Department of Insurance and Financial Services says...
Insurance companies do not all use the same factors to group individuals for rating purposes, so the cost of insurance can vary considerably. It is important for consumers to shop around and compare if they are unhappy with the cost or service associated with their insurance company. Michigan law guarantees that auto insurance will be available to all eligible Michigan residents.
- The Michigan Department of Insurance and Financial ServicesMichigan minimum car insurance coverage requirements
In Michigan, you need a minimum of 50/100/50 liability car insurance coverage. Michigan's state minimum liability insuranceLiability insurance covers sums that an insured becomes legally obligated to pay because of bodily injuries or property damage, or financial losses caused to other people. costs an average of $604 annually or $50 monthly.
The minimum amount of liability car insurance required by law in Michigan is:
- Bodily injury liability (BI): $50,000 per person, $100,000 per accident
- Property damage liability (PD): $10,000 per accident
- Personal injury protection (PIP): $250,000* personal injury protection
- Property Protection Insurance (PPI): $1 million limit per accident
Minimum liability coverage: Cheapest companies in Michigan
Auto-Owners offers the most affordable state minimum liability insurance, averaging $320 annually or $27 per month. USAA offers cheaper rates but isn't open to all drivers.
Below is a list of Michigan's most affordable car insurance companies, along with their state-mandated 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 families
Cheapest car insurance in Michigan by driver age
Auto-Owners offers the cheapest car insurance for teen drivers in Michigan at $3,749 per year for a full coverage policy.
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.
Take a look at Michigan car insurance rates by age below.
Compare car insurance rates by age
Select your age group and age below to see the insurance company and its
average annual and average monthly premiumThe payment required for an insurance policy to remain in force. Auto insurance premiums are quoted for either 6-month or annual policy periods. rates.
| GEICO | $4,453 | $371 |
| USAA | $6,595 | $550 |
| Progressive | $10,226 | $852 |
| Travelers | $11,112 | $926 |
| State Farm | $12,450 | $1,037 |
*USAA offers car insurance only to military members, veterans and their families.
Cheapest car insurance companies in Michigan for drivers with tickets and accidents
Auto-Owners offers the cheapest Michigan car insurance for drivers with an at-fault accident on their driving record. Progressive offers the most affordable insurance for drivers with a DUI or speeding ticket.
Below are the average Michigan rates by company for drivers with accidents and tickets on their driving record.
| Company | Clean record | Accident | Speeding ticket |
|---|---|---|---|
| Progressive | $2,069 | $2,858 | $2,548 |
| GEICO | $1,553 | $4,110 | $2,884 |
| Auto-Owners | $2,085 | $2,425 | $2,905 |
| Travelers | $1,817 | $4,328 | $3,490 |
| Auto Club Group - ACG (AAA) | $2,537 | $3,709 | $4,918 |
| State Farm | $3,698 | $4,376 | $5,619 |
| USAA | $1,514 | $2,206 | $2,076 |
*USAA offers car insurance only to military members, veterans and their families.
Compare auto insurance rates by city in Michigan
Auto insurance rates vary not just by state, but also by city. Cities have different levels of risk based on factors like accident rates, claimAn insurance claim is a request you make to your insurance company for coverage after your car is damaged or you have an accident. You can file a claim online, by phone, or in writing. costs, weather and more. That means where you live in Michigan will impact what you pay. Below, we've gathered Michigan car insurance rates by city for comparison.
| City | Annual insurance premium |
|---|---|
Burton | $2,589 |
Detroit | $3,280 |
Grand Rapids | $2,248 |
Car insurance premium trends in Michigan
Car insurance rates change regularly, influenced by changes in the cost of repairs, claim rates and other factors. Recent years have seen car insurance rates rise across the country, but not every state has seen the same increases.
We've tracked car insurance premium trends in Michigan to show you how things have changed and help you prepare for potential changes in the future. Take a look at the chart below.
Methodology
Insurance.com commissioned Quadrant Information Services to field rates from major insurers in every state across most ZIP codes. Driver profile: male, age 40, driving a Honda Accord LX with full coverage of 100/300/100 with comprehensive and collision; $500 deductibleThe deductible is the amount you pay out of pocket for a covered loss when you file a claim..
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 Michigan car insurance rates with other states
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