Michigan drivers pay an average of $1,360 per year or $113 per month for minimum coverage and $3,643 a year or $304 a month for full-coverage car insurance. ; Michigan car insurance rates are as much as 81% to 117% higher than the national average. ; Unlike with most other states, Michigan car insurance companies cannot use location, gender, marital status or select other factors to set car insurance premiums.
Car insurance costs continue to rise. According to a report from Bankrate, average premiums for full coverage auto insurance hit $2,543 in 2024, a 26% increase from 2023. ; Unsurprisingly, drivers across the U.S. are looking for ways to save. Nearly half (49%) of auto insurance customers are actively shopping for a new plan, according to J.D. Power. ; Full coverage car insurance combines three kinds of coverage and is usually required if you lease or finance your car.
Michigan’s Auto Insurance Law Has Changed The information contained in the following publication pertains to auto insurance policies issued on or before July 1, 2020. Publications about...
The cheapest car insurance companies in Michigan are Geico, USAA, Auto-Owners, Progressive and AAA. ; Insurance rates in Michigan are about 52% higher than the national average, though higher rates are common in no-fault states. ; Drivers can opt for Michigan’s required minimum no-fault insurance to save money on premiums or look for personalized rate discounts.
Shopping for auto insurance in Michigan? Keep reading to learn about how much car insurance you'll need and ways to find the cheapest car insurance in this state.
Geico, USAA, Auto-Owners and Progressive are the best car insurance companies in Michigan.
Looking for the cheapest car insurance in Michigan? We’ve crunched the data for different situations and found some of the lowest-cost insurers on basic coverage for Michigan drivers.
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Insured a teenage driver ; Credit score decreased ; Received a speeding ticket ; Caused an accident ; Lapse in coverage ; Convicted of a DUI