Geico offers the cheapest auto insurance rates in Michigan at about $1,309 a year or $109 monthly. That’s below the average Michigan car insurance rate of $2,158 a year.
Cheap isn’t everything, but an Insurance.com analysis of rates, complaints, and financial stability found Geico to be the best insurance company in Michigan as well as the cheapest.
Many factors go into your insurance premium. Insurance companies use your driving record, the type of car you drive and the coverage you select to determine your average annual car insurance cost.
Read on to compare Michigan insurance rates by company, age and more.
Key takeaways
- Geico is the best car insurance company in Michigan overall, with below-average rates and a low complaint ratio.
- Geico is also the cheapest car insurance company in Michigan at $1,309 per year on average.
- Geico has the cheapest rates for both teen and adult drivers.
- Average cost of car insurance in Michigan
- Best car insurance companies in Michigan
- Cheapest car insurance companies 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
- Compare auto insurance rates with other states
- Methodology
Average cost of car insurance in Michigan
The average car insurance rate in Michigan is $2,158 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 $731.
Best car insurance companies in Michigan
Geico is the best car insurance company in Michigan, based on a 2023 analysis by Insurance.com, with an overall rating of 4.69. USAA is the best auto insurance company in Michigan for offering car insurance to military veterans and their families, with an overall rating of 4.42.
Below is a full list of the top Michigan 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.
| Insurance company | AM Best | Average annual rate | NAIC Complaint ratio | Insurance.com score |
|---|---|---|---|---|
| Geico | A++ | $ 1,309 | 0.77 | 4.69 |
| USAA* | A++ | $ 1,318 | 0.99 | 4.42 |
| Progressive | A+ | $ 1,385 | 0.73 | 4.39 |
| Auto-Owners | A++ | $ 2,013 | 0.64 | 4.37 |
| Travelers | A++ | $ 2,435 | 1.03 | 3.6 |
| State Farm | A++ | $ 3,346 | 0.52 | 3.3 |
| Farmers | A | $ 2,669 | 0.77 | 3.16 |
| Allstate | A+ | $ 2,987 | 0.95 | 3.02 |
USAA offers car insurance only to military veterans and their families.
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, Geico is the cheapest auto insurance company in Michigan with average rates of $1,309 annually or $109 a month for full coverage.
| Company | State minimum | 50/100/50 liability only | 100/300/100 liability with $500 comp/coll deductible |
|---|---|---|---|
| Geico | $ 609 | $ 625 | $ 1,309 |
| USAA | $ 318 | $ 371 | $ 1,318 |
| Progressive | $ 812 | $ 839 | $ 1,385 |
| Automobile Club MI (AAA) | $ 607 | $ 644 | $ 1,964 |
| Auto-Owners | $ 570 | $ 583 | $ 2,013 |
| Travelers | $ 177 | $ 208 | $ 2,435 |
| Farmers | $ 953 | $ 1,092 | $ 2,669 |
| Allstate | $ 853 | $ 901 | $ 2,987 |
| State Farm | $ 1,679 | $ 1,736 | $ 3,346 |
USAA offers car insurance only to military members, veterans and their families.
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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.
Geico offers the cheapest car insurance for teen drivers in Michigan at $3,145 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, Geico offers the cheapest full coverage car insurance for adult drivers (25-55 year-olds) at $1,299 per year.
| Age (group) | Company Group | Avg. Annual Premium |
|---|---|---|
| Teens (16-19) | Geico | $ 3,145 |
| Teens (16-19) | USAA* | $ 4,316 |
| Teens (16-19) | Auto-Owners | $ 4,455 |
| Teens (16-19) | Automobile Club MI (AAA) | $ 4,489 |
| Teens (16-19) | Progressive | $ 6,886 |
| Teens (16-19) | Travelers | $ 7,502 |
| Teens (16-19) | Allstate | $ 7,846 |
| Teens (16-19) | State Farm | $ 9,559 |
| Teens (16-19) | Farmers | $ 13,503 |
| Young Adults (20-24) | Geico | $ 1,816 |
| Young Adults (20-24) | USAA | $ 2,074 |
| Young Adults (20-24) | Progressive | $ 2,210 |
| Young Adults (20-24) | Automobile Club MI (AAA) | $ 3,173 |
| Young Adults (20-24) | Auto-Owners | $ 3,225 |
| Young Adults (20-24) | Allstate | $ 4,204 |
| Young Adults (20-24) | Farmers | $ 4,368 |
| Young Adults (20-24) | Travelers | $ 4,616 |
| Young Adults (20-24) | State Farm | $ 5,461 |
| Adults (25-55) | Geico | $ 1,299 |
| Adults (25-55) | USAA | $ 1,359 |
| Adults (25-55) | Progressive | $ 1,409 |
| Adults (25-55) | Automobile Club MI (AAA) | $ 1,942 |
| Adults (25-55) | Auto-Owners | $ 2,002 |
| Adults (25-55) | Travelers | $ 2,371 |
| Adults (25-55) | Farmers | $ 2,647 |
| Adults (25-55) | Allstate | $ 2,887 |
| Adults (25-55) | State Farm | $ 3,396 |
| Seniors (60-75) | USAA | $ 1,254 |
| Seniors (60-75) | Progressive | $ 1,363 |
| Seniors (60-75) | Geico | $ 1,817 |
| Seniors (60-75) | Automobile Club MI (AAA) | $ 1,841 |
| Seniors (60-75) | Auto-Owners | $ 1,902 |
| Seniors (60-75) | Travelers | $ 2,292 |
| Seniors (60-75) | Farmers | $ 2,557 |
| Seniors (60-75) | Allstate | $ 2,637 |
| Seniors (60-75) | State Farm | $ 3,172 |
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 | Ticket |
|---|---|---|---|
| USAA* | $ 1,625 | $ 2,402 | $ 2,191 |
| Automobile Club of MI | $ 1,843 | $ 2,640 | $ 2,490 |
| Geico | $ 1,939 | $ 4,991 | $ 3,520 |
| Progressive | $ 1,957 | $ 2,618 | $ 2,454 |
| Auto-Owners | $ 2,825 | $ 3,214 | $ 3,267 |
| Auto Club Entreprises | $ 4,106 | $ 5,890 | $ 5,550 |
| Travelers | $ 4,195 | $ 5,522 | $ 4,488 |
| State Farm | $ 4,487 | $ 5,292 | $ 5,694 |
| Allstate | $ 4,739 | $ 7,522 | $ 5,865 |
| Farmers | $ 10,710 | $ 15,116 | $ 14,640 |
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 vary significantly 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 and consider these local factors to find the most competitive rates for your specific city in Michigan.
| City | Annual insurance premium |
|---|---|
Adrian | $1,828 |
Ann Arbor | $1,947 |
Burton | $2,488 |
Dearborn | $4,051 |
Detroit | $5,370 |
Gibraltar | $2,575 |
Grand Rapids | $1,986 |
Huntington Woods | $2,720 |
Mason | $1,873 |
Michigan Center | $1,889 |
Novi | $2,374 |
Compare auto insurance rates with other states
Methodology
Insurance.com commissioned Quadrant Information Services in 2022 to field rates from up to six major insurers in every state across most ZIP codes. Driver profile: male, age 40, driving 2021 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.
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