Cheap Car Insurance in Michigan

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:

  1. Allmerica
  2. Allstate
  3. Auto Club Group
  4. Chubb
  5. Esurance
  6. Farmers
  7. GEICO
  8. Hanover
  9. Hastings Mutual
  10. MetLife
  11. Nationwide
  12. Progressive
  13. Safeco
  14. State Farm
  15. 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.

  1. $20000 bodily injury coverage per person is required in Michigan.
  2. $40000 bodily injury coverage per accident is required in Michigan.
  3. $10000 property damage coverage per accident is required in Michigan.

Other types of optional coverages in Michigan are:

  1. Comprehensive
  2. Collision
  3. Roadside Assistance
  4. Loan/Lease Payoff
  5. Rental Car Reimbursement
  6. Medical Payments
  7. 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.

MyMoneyMyQuotes

MyMoneyMyQuotes

Leave a Reply

Your email address will not be published. Required fields are marked *