- Best car insurance companies in Michigan: Auto-Owners
- Cheapest car insurance companies in Michigan: Travelers
- Average cost of car insurance in Michigan
- Michigan car insurance requirements
- 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
- Car insurance premium trends in Michigan
- Methodology
- Compare Michigan car insurance rates with other states
Best car insurance companies in Michigan: Auto-Owners
Auto-Owners, Travelers, Geico, Progressive and State Farm are among the best car insurance companies in Michigan, based on data analysis by Insurance.com.
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 | Insurance.com score | Average annual premium |
|---|---|---|---|---|---|
| Auto-Owners | A++ | 833 | 0.5 | 3.82 | $2,080 |
| Travelers | A++ | 806 | 0.49 | 3.77 | $1,355 |
| Geico | A++ | 831 | 0.91 | 3.37 | $1,553 |
| Progressive | A+ | 816 | 0.65 | 3.19 | $2,069 |
| State Farm | A++ | 837 | 0.7 | 2.79 | $3,601 |
| Automobile Club MI (AAA) | A | 786 | 0.77 | 2.46 | $2,526 |
Cheapest car insurance companies in Michigan: Travelers
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.
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.
| 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.
Auto insurance calculator
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 |
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 car insurance requirements
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.
Minimum liability insurance requirements for Michigan:
- 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
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.
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 premium rates.
| Auto-Owners | $4,076 | $340 |
| Geico | $4,453 | $371 |
| Michigan Farm Bureau | $5,871 | $489 |
| USAA | $6,595 | $550 |
| Automobile Club MI (AAA) | $6,635 | $553 |
| Frankenmuth Insurance | $6,990 | $583 |
| Pioneer State Mutual | $7,470 | $623 |
| Travelers | $7,978 | $665 |
| Progressive | $10,180 | $848 |
| State Farm | $12,068 | $1,006 |
*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 | $1,514 | $2,206 | $2,076 |
| 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 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 |
Car insurance premium trends in Michigan
Car insurance average rates increase most years and various factors contribute to these changes, including shifts in economic conditions, changes in state laws, and the number and severity of insurance claims.
That's why it's important to keep track of car insurance premiums to make better decisions. The graph below shows how insurance rates in Michigan have increased or decreased from 2020 to 2023.
Whether you're planning to renew your policy with your current insurer or looking for a new one, this analysis is invaluable for making informed insurance choices.
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 Michigan car insurance rates with other states
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