Top Michigan Auto Insurance Providers [2024]
Secura and Travelers provide cheap auto insurance in Michigan. You can also get cheap car insurance in Michigan through Chubb, GEICO, and Wolverine Mutual. On average, Michigan auto insurance is $121 per month. However, some Michigan cities have rates in the thousands. Shop around and compare multiple insurance companies to secure affordable auto insurance rates in Michigan.
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Brandon Frady
Licensed Insurance Agent
Brandon Frady has been a licensed insurance agent and insurance office manager since 2018. He has experience in ventures from retail to finance, working positions from cashier to management, but it wasn’t until Brandon started working in the insurance industry that he truly felt at home in his career. In his day-to-day interactions, he aims to live out his business philosophy in how he treats hi...
Licensed Insurance Agent
UPDATED: Mar 4, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance provider and cannot guarantee quotes from any single provider.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance providers please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Mar 4, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance provider and cannot guarantee quotes from any single provider.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance providers please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
- Michigan is one of the most expensive states for auto insurance
- Shoreham, MI auto insurance has the cheapest auto insurance rates in Michigan
- Hamtramck, MI has the most expensive auto insurance rates
- Michigan auto insurance is $31 more expensive than the national average
Are you searching for cheap insurance in Michigan? Shopping for cheap car insurance in Michigan is challenging.
Michigan auto insurance has the most expensive rates in the United States, but there is a way for you to get cheap auto insurance in Michigan.
What are the cheapest car insurance cities in Michigan? Don’t worry – we are here to help.
Our guide shows the average cost of Michigan auto insurance rates, where you can find cheap auto insurance companies, and what factors determine affordable auto insurance rates in Michigan.
Read on to learn all about cheap auto insurance in Michigan. If you are ready to compare multiple insurance companies near you, use our free comparison tool above.
Where Can I Find Cheap Auto Insurance Rates in Michigan?
According to the National Association of Insurance Commissioners (NAIC), the average cost of Michigan car insurance is $121 a month. Michigan has the second-highest auto insurance rate in the United States.
Michigan auto insurance rates are expensive because of a high percentage of uninsured drivers, a high rate of insurance fraud, and the frequent occurrence of personal injury lawsuits.
But, you can find cheap auto insurance companies in Michigan, and we have found the best car insurance in the state for you.
Here is a table of the top Michigan insurance companies and their monthly rates.
Monthly Auto Insurance Rates in Michigan by Company
| Companies | Monthly Auto Insurance Rates |
|---|---|
| Auto-Owners | $107 |
| Progressive | $111 |
| Frankenmuth | $122 |
| State Farm | $189 |
| AAA | $803 |
| Hanover | $1,134 |
The best car insurance in Michigan is Auto-Owners, if you are looking for the most affordable rates. Progressive auto insurance is the following cheapest company.
Meanwhile, Frankenmuth, State Farm, AAA, and Hanover have higher than average auto insurance rates.
What is the Minimum Auto Insurance Requirement in Michigan?
Michigan’s minimum requirement for car insurance is liability coverage. However, liability insurance has several parts, which are:
- $50,000 for bodily injury of one person per accident
- $100,000 for bodily injury of multiple people per accident
- $1 million for property protection insurance (PPI) per incident in Michigan
- $10,000 for property damage per accident
- $250,000 for personal injury protection
Michigan’s limits are higher than most states in the nation. Therefore, car insurance rates in Michigan are calculated at a much higher cost.
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Can Age Affect Cheap Auto Insurance Quotes in Michigan?
Yes, it can. Your age is one of the most significant factors when determining car insurance.
Let’s see which companies are the most affordable by age group.
- Cheapest companies for 20-year-old drivers – Secura, Travelers, Geico, and Chubb
- Most affordable companies for 30-year-old drivers – Secura, Travelers, Chubb, Wolverine Mutual, and Geico
- Cheapest auto insurance companies for 40-year-old drivers – Secura, Travelers, and Wolverine Mutual
- Affordable auto insurance companies for 50-year-old drivers – Wolverine Mutual, Travelers, and Chubb
- Cheap auto insurance companies for 60-year-old drivers – Wolverine Mutual, Travelers, Chubb, and Secura
Full coverage car insurance from these companies is between $60 and $175.
Liability auto insurance rates can be as low as $8 a month. However, some companies have liability-only rates that are about $50 per month.
Overall, Secura, Wolverine Mutual, and Chubb are the cheapest car insurance companies in Michigan.
How Do Traffic Infractions Affect Cheap Auto Insurance in Michigan?
A clean driving record can help you secure the most affordable rates in Michigan. But what if you have a speeding ticket or an accident?
Let’s review how much car insurance rates will be for Michigan drivers with a traffic violation on their driving record.
Monthly Auto Insurance Rates in Michigan by Traffic Infraction
| Traffic Infractions | Monthly Auto Insurance Rates |
|---|---|
| Hit and Run | $781 |
| Refused Breathalyzer/Chemical Test | $763 |
| DUI | $763 |
| Racing | $764 |
| Reckless Driving | $781 |
| Driving with a Suspended License | $657 |
| At-Fault Accident | $406 |
| Driving with an Open Container | $423 |
| Operating a Vehicle Without Permission | $337 |
| Passing a School Bus | $383 |
| Improper Passing | $366 |
| Following Too Closely | $363 |
| Speeding | $418 |
| Failure to Stop at a Red Light | $339 |
| Illegal Turn | $336 |
| Driving Wrong Way/Wrong Lane | $336 |
| Failure to Yield | $339 |
| Speeding in a School Zone | $351 |
| Driving Too Slowly | $345 |
| Distracted Driving | $328 |
| Driving with Expired Registration | $285 |
| Failure to Show Documents | $285 |
| Not-at-Fault Accident | $266 |
| Failure to Use Child Safety Restraint | $267 |
| Failure to Wear a Seat Belt | $267 |
| Driving Without Lights | $261 |
Severe traffic offenses, such as DUI and hit-and-run, can significantly raise your auto insurance rates in Michigan.
Michigan is one of the most expensive states in America, and any driving violation can make monthly rates complicated.
Can I Buy Cheap Auto Insurance in Michigan if I Have Good Credit?
You can buy cheap car insurance in Michigan, but car insurance companies cannot use your credit score to determine auto insurance rates.
Michigan is one of several states in America that has prohibited insurance companies from using credit to calculate auto insurance rates.
What are the Cheapest Cities for Auto Insurance in Michigan?
Now that you have seen cheap auto insurance rates from various companies in Michigan, let’s look at what rates look like for some of Michigan’s most affordable cities for auto insurance.
Monthly Auto Insurance Rates for the Cheapest Michigan Cities
| Cities | Average Monthly Rates |
|---|---|
| Shoreham | $433 |
| St. Joseph | $438 |
| Grandville | $442 |
| Bridgman | $444 |
| Stevensville | $446 |
| Ferrysburg | $451 |
| Grand Haven | $453 |
| Spring Lake | $453 |
| Hudsonville | $456 |
| Pellston | $458 |
These cities are nearly four times the amount projected by the NAIC. However, it is cheaper than some of Michigan’s most populated cities.
Read more: Michigan Millers Mutual Insurance Company Review
What are the Most Expensive Cities for Auto Insurance in Michigan?
Speaking of Michigan’s highly populated urban cities, let’s look at how much you could spend on car insurance in other Michigan cities.
Monthly Auto Insurance Rates for the Most Expensive Michigan Cities
| Cities | Average Monthly Rates |
|---|---|
| Hazel Park | $1,052 |
| Ecorse | $1,070 |
| Southfield | $1,075 |
| Dearborn | $1,096 |
| Eastpointe | $1,129 |
| Inkster | $1,141 |
| River Rouge | $1,145 |
| Detroit | $1,303 |
| Highland Park | $1,419 |
| Hamtramck | $1,697 |
Each city in the table has a high frequency of auto insurance claims, and insurance rates are 10 times more expensive than average. Fortunately, most auto insurance companies can lower rates through discounts.
Which Auto Insurance is the Most Affordable for Military Veterans?
USAA is the best car insurance company for members of the U.S. Armed Forces. But USAA is not available to drivers who are not in the military.
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Cheap Auto Insurance in Michigan: The Bottom Line
Michigan auto insurance is expensive on the surface. However, you can secure cheaper rates when shopping with several insurance companies.
Although car insurance in Michigan projects costly rates, multiple insurance companies have affordable monthly rates.
Before you buy cheap auto insurance in Michigan, use our free online quote tool to compare multiple insurance companies near you.
Frequently Asked Questions
What are the top auto insurance providers in Michigan?
Here are some of the top auto insurance providers in Michigan:
- Auto-Owners Insurance Company: Auto-Owners is known for its excellent customer service and competitive rates. They offer a range of coverage options and discounts.
- State Farm: State Farm is one of the largest auto insurance providers in the country and offers a wide variety of coverage options. They have a strong presence in Michigan and provide reliable customer service.
- Progressive: Progressive is well-known for its innovative insurance products and competitive rates. They offer various coverage options, including personalized policies with their usage-based Snapshot program.
- Allstate: Allstate is another popular choice for auto insurance in Michigan. They offer comprehensive coverage options and provide helpful tools and resources for policyholders.
- Farmers Insurance: Farmers Insurance provides a range of auto insurance options tailored to the needs of Michigan drivers. They offer customizable coverage and various discounts.
What factors should I consider when choosing an auto insurance provider in Michigan?
- When choosing an auto insurance provider in Michigan, consider the following factors:
- Coverage options: Look for a provider that offers the coverage options you need, such as liability, collision, comprehensive, and uninsured/underinsured motorist coverage.
- Rates and discounts: Compare rates from different providers and inquire about any available discounts that can help lower your premiums.
- Financial stability: Check the financial strength ratings of the insurance company to ensure they can handle claims effectively.
- Customer service: Research customer reviews and ratings to gauge the provider’s reputation for customer service and claims handling.
- Claims process: Understand the provider’s claims process and how efficiently they handle claims. Look for convenient options like online claims filing.
Are these top providers the most affordable options for auto insurance in Michigan?
While the top auto insurance providers mentioned are known for their quality coverage and service, affordability can vary based on individual factors such as your driving history, vehicle, location, and coverage needs. It’s always recommended to obtain quotes from multiple insurance providers to compare rates and find the most affordable option that meets your requirements.
Are there any local or regional auto insurance providers worth considering in Michigan?
Yes, there are several local or regional auto insurance providers worth considering in Michigan. Some examples include:
- Frankenmuth Insurance: Frankenmuth Insurance is a regional provider based in Michigan. They offer a range of insurance products, including auto insurance, and are known for their personalized service.
- Hastings Mutual Insurance Company: Hastings Mutual is another Michigan-based provider that offers auto insurance coverage. They have been serving the state for over 130 years and have a strong reputation for customer service.
- Michigan Millers Mutual Insurance Company: Michigan Millers Mutual is a local insurance provider that focuses on serving Michigan residents. They offer competitive rates and various coverage options.
Do these top auto insurance providers offer additional benefits or features in Michigan?
Yes, the top auto insurance providers in Michigan often offer additional benefits and features to enhance their policies. Some common additional benefits may include:
- Accident forgiveness: This feature allows you to avoid a rate increase after your first at-fault accident, helping you maintain affordable premiums.
- Roadside assistance: Many providers offer roadside assistance coverage, which can be helpful in case of a breakdown, flat tire, or other roadside emergencies.
- Rental car reimbursement: If your vehicle is being repaired after an accident, rental car reimbursement coverage can help cover the cost of renting a temporary replacement vehicle.
- Vanishing deductibles: Some providers offer vanishing deductibles, where your deductible reduces over time as a reward for being claim-free.
- New car replacement: This coverage ensures that if your new vehicle is totaled within a certain period (usually one or two years), you’ll receive the funds to replace it with a brand-new equivalent model.
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Brandon Frady
Licensed Insurance Agent
Brandon Frady has been a licensed insurance agent and insurance office manager since 2018. He has experience in ventures from retail to finance, working positions from cashier to management, but it wasn’t until Brandon started working in the insurance industry that he truly felt at home in his career. In his day-to-day interactions, he aims to live out his business philosophy in how he treats hi...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.