Cheap Car Insurance in Michigan
It is mandatory to get car insurance in Michigan for drivers to drive legally in the state. Different companies in Michigan provide car insurance at different rates. The average cost to get car insurance in Michigan may be around $3100 per year. It is the most expensive state in the USA to get auto insurance. The cost of car insurance in Michigan depends upon different factors such as location, credit history, driving history, age, marital status, etc. According to data gathered by MyMoneyMyQuotes following are the cheap car insurance providers that offer car insurance at affordable rates in Michigan:
| Michigan | |
| Safeco | $373 |
| SECURA Insurance | $1179 |
| GEICO | $1303 |
| MetLife | $1342 |
| USAA | $1483 |
| Chubb | $1709 |
| Farm Bureau | $1857 |
| Auto-Owners Insurance Co | $1980 |
| Metropolitan | $1996 |
| MEEMIC | $2009 |
| Pioneer State Mutual | $2155 |
| Hastings Mutual Insurance Co | $2236 |
| Progressive | $2286 |
| Nationwide | $2475 |
| Frankenmuth Mutual | $2504 |
| Wolverine Mutual | $2597 |
| Allied | $2646 |
| GMAC Insurance Group | $2673 |
| Allmerica | $3086 |
| State Farm | $3480 |
| Grange Mutual | $3742 |
| Bristol West | $3970 |
| Farmers | $4116 |
| National General | $4514 |
| Mercury | $4646 |
| Auto Club Group | $4968 |
| Hanover | $5426 |
| Allstate | $7226 |
| Encompass | $12558 |
Cheap car insurance in Michigan for good drivers
Car insurance companies may charge high car insurance premiums from drivers in Michigan with histories of speeding tickets, at-fault accidents, or DUI citations. Car insurance companies in Michigan provide discounts on car insurance premiums to those who have a good driving history but discount rates vary from company to company. You can save money on a car insurance policy in Michigan by maintaining a good driving record. Most auto insurance companies in Michigan provide a 5-10% good driver discount to those having a good driving history without violations.
- Drivers with no traffic ticket may save $1925 on car insurance premiums in Michigan.
- Drivers may save $1777 on car insurance premiums if they have an accident-free record in Michigan.
- By maintaining a good credit history you may save $4180 on car insurance premiums in Michigan.
Cheap car insurance for inexperienced drivers in Michigan
Most auto insurance providers may charge high auto insurance premiums in Michigan from young or inexperienced drivers because inexperienced drivers are riskier for auto insurance companies than experienced drivers. Auto insurance premiums in Michigan vary according to the age of the drivers. Some companies charge high auto insurance costs from young drivers in Michigan.
| Age | Average annual auto insurance premiums with parents |
| 16 | $11447 |
| 17 | $9230 |
| 18 | $8239 |
| 19 | $6385 |
| 20s | $3825 |
| 30s | $3130 |
| 40s | $3097 |
| 50s | $2905 |
| 60s | $2640 |
| 70s | $3390 |
Affordable auto insurance in Michigan for high-risk drivers
Car insurance companies in Michigan charge high auto insurance premiums from those drivers who have a bad driving history as compared to the drivers those who have no at-fault accidents, speeding tickets, or DUIs. Drivers with a good driving record in Michigan can save money on auto insurance policies because auto insurance companies check the driving record of the past 3 to 5 years to decide the car insurance cost. Drivers with a good driving history in Michigan may get discounts on car insurance policies.
Average auto insurance premiums in Michigan by Marital Status
In Michigan, married drivers may save $42 on car insurance policy. Most car insurance companies in Michigan charge higher car insurance premiums from single drivers than married drivers.
| Marital Status | Average annual car insurance premiums |
| Single | $3100 |
| Married | $3065 |
| Divorced | $3100 |
| Widowed | $3100 |
Average car insurance premiums by credit score in Michigan
Car insurance companies in Michigan consider the credit score of the driver to decide the car insurance policy cost. Car insurance providers in Michigan provide car insurance policies at cheaper rates to those drivers who have a good credit record than those who have bad credit records because drivers with good credit scores are less likely to file claims.
| Credit level | Average annual insurance premiums |
| Very poor | $8645 |
| Fair | $5930 |
| Good | $4470 |
| Very good | $3344 |
| Exceptional | $2330 |
Best car insurance companies in Michigan
Car insurance prices in Michigan may vary from company to company. Some companies in Michigan charge lower car insurance premiums than others. To get the best auto insurance policy in Michigan you should check the reputation and services of the insurance companies because finding an affordable car insurance policy is not just enough. You can find the best auto insurance company in Michigan by comparing car insurance quotes from different car insurance providers. According to the data gathered by the MyMoneyMyQuotes following are the best car insurance providers in Michigan:
- Allmerica
- Allstate
- Auto Club Group
- Chubb
- Esurance
- Farmers
- GEICO
- Hanover
- Hastings Mutual
- MetLife
- Nationwide
- Progressive
- Safeco
- State Farm
- USAA
What auto insurance coverage is mandatory to purchase for drivers in Michigan?
The average annual cost to get the minimum required coverage in Michigan may be around $1750. The minimum required coverage for drivers in Michigan to drive legally in the state is:
| Coverage type | Coverage limit |
| Bodily injury coverage per person | $20000 |
| Bodily injury per accident | $40000 |
| Property damage per accident | $10000 |
The state minimum auto insurance requirements in Michigan
The state minimum auto insurance coverage requirement in Michigan is liability coverage.
- $20000 bodily injury coverage per person is required in Michigan.
- $40000 bodily injury coverage per accident is required in Michigan.
- $10000 property damage coverage per accident is required in Michigan.
Other types of optional coverages in Michigan are:
- Comprehensive
- Collision
- Roadside Assistance
- Loan/Lease Payoff
- Rental Car Reimbursement
- Medical Payments
- Uninsured/Underinsured Motorist Bodily Injury
Fine for driving without car insurance in Michigan
If anyone caught driving without a car insurance policy in Michigan then police may charge a fine.
Car insurance prices by cities in Michigan
Car insurance premiums in Michigan may vary from city to city. In some cities of Michigan, car insurance prices are high compared to others.
| City | Average annual insurance premiums |
| Detroit | $6285 |
| Dearborn | $5152 |
| Southfield | $4810 |
| Dearborn Heights | $4440 |
| Warren | $4430 |
| Pontiac | $4210 |
| Sterling Heights | $4115 |
| Taylor | $3919 |
| Flint | $3906 |
| St. Clair Shores | $3712 |
| Westland | $3633 |
| Troy | $3390 |
| Farmington Hills | $3368 |
| Royal Oak | $3278 |
| Livonia | $3253 |
| Novi | $3106 |
| Saginaw | $3006 |
| Lansing | $2906 |
| Kentwood | $2737 |
| Battle Creek | $2716 |
| Grand Rapids | $2690 |
| Wyoming | $2660 |
| Ann Arbor | $2639 |
| Kalamazoo | $2550 |
If you are looking for a car insurance deal in Michigan, you can compare car insurance quotes provided for free by MyMoneyMyQuotes.com to get yourself the best possible deal.
