Cheapest Car Insurance in Michigan for 2025
Quick Answer
The cheapest car insurance in Michigan is from Progressive, costing on average $2,640 annually or $220 per month for minimum coverage. The cheapest full coverage car insurance in Michigan is Safeco’s, averaging $3,466 annually or $289 per month. However, your age, driving record and other factors can all impact the cost of auto insurance in Michigan.
The cheapest car insurance in Michigan is Progressive's minimum coverage policy, at $2,640 annually or $220 per month, according to Experian data from January 2025 and based on policies quoted through our automotive insurance marketplace.
The cheapest full coverage car insurance in Michigan is offered by Safeco and costs an average of $3,466 annually or $289 per month.
Buying minimum coverage car insurance will give you enough protection to fulfill Michigan's basic liability insurance requirements. If you'd like additional protection, you'll want full coverage car insurance; this includes comprehensive and collision coverage as well as liability insurance. If your vehicle is leased or financed, you are usually required to carry full coverage on your vehicle until your lease term ends or the vehicle is paid off.
Whether you're buying full coverage or minimum coverage auto insurance, the price you'll pay depends on factors such as:
- Your age (younger drivers usually pay higher auto insurance premiums)
- Your driving record (a history of incidents and violations generally increases your rates)
- Your annual mileage (driving more can lead to higher rates)
- The type and amount of coverage you buy
While the average costs in this article are good general guideposts, the actual cost of your car insurance in Michigan could differ. To help find the lowest rates, take some time to compare insurance quotes from several insurers before purchasing a policy.
The price you pay for car insurance in Michigan won't be impacted by your gender, marital status, credit-based insurance score, ZIP code, occupation, level of education or whether you own a home. Michigan law prohibits insurance companies from evaluating any of these factors when setting prices for car insurance.
Cheapest Minimum Coverage Car Insurance in Michigan
Like most states, Michigan requires drivers to carry a minimum amount of liability coverage. Liability coverage includes bodily injury liability, which helps cover the cost if you hurt someone in a car accident, and property damage liability, which helps cover damages you cause to someone else's vehicle or property.
Michigan's minimum insurance requirements are higher than those in many states. Drivers in Michigan are required to carry minimum bodily injury coverage of $50,000 per person and $100,000 per accident and property damage coverage of $10,000 per accident. Michigan also requires a minimum of $1 million in property protection insurance, which pays for damages your vehicle does to someone else's personal property, such as mailboxes, fences or parked cars.
In addition, Michigan drivers must carry personal injury protection (PIP) coverage. Michigan is a no-fault insurance state, meaning that you file car insurance claims with your own insurance company regardless of who is at fault. Drivers in Michigan can buy PIP coverage in amounts ranging from $50,000 to unlimited coverage. Some drivers can opt out of PIP depending on their health insurance coverage.
Learn more: How Much Car Insurance Do I Need?
The table below shows the carriers offering the cheapest minimum coverage auto insurance policies in Michigan.
| Carrier | Annual Cost | Monthly Cost |
|---|---|---|
| Progressive | $2,640 | $220 |
| Safeco | $3,082 | $257 |
| Liberty Mutual | $4,383 | $365 |
| Bristol West | $4,507 | $376 |
Source: Experian data as of January 2025
Note: Costs above represent insurance quotes, not policy premiums
Cheapest Full Coverage Car Insurance in Michigan
Full coverage auto insurance enhances your protection by adding comprehensive and collision coverage to your liability insurance. Full coverage insurance isn't required by law; however, if you have a leased or financed car, your lender or lessor will typically require it to protect the vehicle.
- Collision coverage covers the cost to repair or replace your car due to damage from colliding with another car, an object or an animal.
- Comprehensive coverage pays for repairing or replacing your car if it's damaged by a covered risk other than driving, such as a falling tree branch, hail, vandalism or theft.
Learn more: What Is Full Coverage Car Insurance?
The table below lists the insurance carriers offering the cheapest full coverage auto insurance in Michigan.
| Carrier | Annual Cost | Monthly Cost |
|---|---|---|
| Safeco | $3,466 | $289 |
| Progressive | $3,635 | $303 |
| Bristol West | $5,883 | $490 |
| Liberty Mutual | $6,244 | $520 |
Source: Experian data as of January 2025
Note: Costs above represent insurance quotes, not policy premiums
Cheapest Car Insurance for Young Drivers in Michigan
It's no secret that insuring new drivers tends to be costly. Younger drivers typically pay higher car insurance premiums because they're statistically more likely to get into accidents, according to the Insurance Institute for Highway Safety (IIHS). On average, teenage drivers pay an average of $3,512 annually for auto insurance, according to Experian data.
In general, car insurance rates are highest for 16-year-olds and usually start to decline when your child turns 25. Until that date, you can help reduce the cost of car insurance by putting your child on your auto insurance instead of buying them a separate policy. By being listed on your policy, your child will benefit from the lower rates you probably get from being married, owning a home or simply having decades of driving experience.
In addition, many insurance companies offer lower rates on auto insurance for young drivers who maintain good grades, attend college away from home without a car, or complete a driver safety course.
On the other hand, if your young driver's motor vehicle record includes accidents or moving violations, your car insurance premiums could rise. In this situation, you may be better off buying your child separate coverage from an insurance provider specializing in high-risk drivers.
The table below shows the insurance providers offering the cheapest full coverage car insurance in Michigan for drivers ages 16 to 25.
| Carrier | Annual Cost | Monthly Cost |
|---|---|---|
| Safeco | $3,466 | $289 |
| Progressive | $3,635 | $303 |
| Bristol West | $5,883 | $490 |
| Liberty Mutual | $6,244 | $520 |
Source: Experian data as of January 2025
Note: Young drivers include those ages 16 to 25; costs above represent insurance quotes, not policy premiums
Cheapest Car Insurance for Seniors in Michigan
As you get older and have more experience on the road, your auto insurance rates typically drop. However, you can usually expect your premiums to rise again around your 70th birthday. Drivers ages 70 and up have a higher rate of serious auto accidents, which can mean more insurance claims and higher rates.
It's still possible to find cheap car insurance for seniors, though. Some car insurance companies offer discounts for drivers over a certain age, for example. Being a retired military service member or going accident-free for a certain number of years could also qualify you for a discount with some auto insurance companies.
Learn more: How to Buy Car Insurance as a Senior
Your driving habits typically change as you get older, which can impact your auto insurance needs. For instance, you may have traded a long commute to work for a quieter life as a retiree. This could qualify you for a low-mileage car insurance policy, potentially saving money. On the other hand, if you're planning to spend your golden years touring the U.S. in a motor home, you might need to buy special RV insurance.
The table below lists the auto insurance carriers offering the cheapest full coverage car insurance for seniors in Michigan.
| Carrier | Annual Cost | Monthly Cost |
|---|---|---|
| Progressive | $2,204 | $184 |
| Safeco | $3,011 | $251 |
| Bristol West | $3,294 | $274 |
| Liberty Mutual | $3,299 | $275 |
Source: Experian data as of January 2025
Note: Senior drivers include those ages 65 and up; costs above represent insurance quotes, not policy premiums
Cheapest Car Insurance for Prior Incidents in Michigan
Your odds of getting into an accident or receiving a traffic citation are lower if you're a safe driver. This reduced risk can translate into lower insurance premiums. On average, Michigan drivers with a clean driving history (no incidents or violations on their motor vehicle record) pay an average of $2,505 annually for auto insurance.
A motor vehicle record including moving violations or accidents (even if you weren't at fault) could mean greater risk for your insurance company, which could mean paying higher premiums. A history of multiple car accidents or serious infractions such as DUIs typically has a bigger impact on your premiums; it could even prompt your insurer to cancel your coverage.
Learn more: How to Get Affordable Car Insurance as a High-Risk Driver
It's usually possible to find affordable auto insurance even without a squeaky-clean driving record. The table below shows the average cost of auto insurance in Michigan for drivers with negative marks on their motor vehicle reports. (Incidents include things like traffic accidents or insurance claims; violations include moving violations, such as speeding tickets.)
| Driving Record | Annual Cost |
|---|---|
| Clean Record | $2,505 |
| 1 Incident | $2,730 |
| 1 Violation | $2,855 |
| 2 Incidents | $2,754 |
| 2 Violations | $3,117 |
| 3+ Incidents | $3,069 |
| 3+ Violations | $3,358 |
Source: Experian data as of January 2025
Note: Costs above are a blended average of full and minimum coverage policies sold through Experian's marketplace
Minimum Required Coverage in Michigan
Michigan requires drivers to have the following minimum liability coverage:
- $50,000 bodily injury liability per person
- $100,000 bodily injury liability per accident
- $10,000 property damage liability per accident
- $250,000 personal injury protection per accident (or lower with qualified health coverage)
- $1 million property protection insurance
PIP coverage is required in Michigan, but you can choose the amount of PIP to purchase. In addition, some drivers can opt out depending on their health insurance coverage.
Driving without the required minimum car insurance in Michigan is a misdemeanor. If you're found without proof of insurance, you could have your license suspended for 30 days, face a fine of up to $500 or be sentenced to up to one year in jail.
How to Save Money on Car Insurance
Finding cheap car insurance frees up cash in your budget for other things. Here are some ways to save on car insurance.
Cancel Add-On Coverage
Some types of add-on car insurance are nice to have but not essential. These include rental car reimbursement, windshield replacement or roadside assistance coverage. If you're currently paying for extras you don't really need, canceling them can help reduce your car insurance premiums. For instance, you probably don't need rental car reimbursement coverage if there's a car you can borrow while yours is being repaired.
You might also consider canceling your collision and comprehensive coverage if you own a paid-off car that's not worth very much. Collision and comprehensive coverage payouts won't exceed the value of your vehicle, so if your car is only worth a few thousand dollars, the premiums may not be worth the expense. However, before dropping the coverage, make sure you could afford to replace or repair your vehicle out of pocket if necessary.
Increase Your Deductible
You're generally responsible for paying a deductible when you file an auto insurance claim. Typically, car insurance companies let you choose a deductible ranging from $250 to $2,000 when you buy a policy. Raising your deductible typically lowers your premiums because you're taking on more of the financial risk from a claim.
Before raising your deductible, consider whether you could pay the higher amount if you needed to file a car insurance claim. Evaluate the state of your emergency fund and your other financial resources. Ask your car insurance carrier to show you how changing your deductible would affect your premiums.
Take Advantage of Discounts
Your current car insurance company may offer discounts you don't know about. Check to see if you're missing out on potential savings; then visit other providers' websites to compare any discounts they offer.
You can often qualify for car insurance discounts by bundling home and auto insurance, paying your premium upfront, setting up automatic premium payments or opting out of paper statements. Many insurers also give discounts if you get insurance quotes online or sign documents digitally. Be sure to check with your employer and any membership groups you belong to; they may offer discounts on auto insurance too.
Learn more: Top Car Insurance Discounts
Reduce Your Annual Mileage
The more miles you drive each year, the higher your risk of getting into a car accident. That's why many car insurance companies give discounts to customers who drive fewer than 12,000 miles per year. You can reduce your mileage (and possibly your insurance bill) by taking public transportation, walking, carpooling or biking instead of driving. If your employer allows remote work, you can eliminate your commute completely.
Most low-mileage car insurance plans track your mileage via self-reported or third-party odometer readings or devices installed in your car. You can also look into pay-per-mile car insurance, which charges a monthly base rate plus a per-mile charge for each additional mile you drive.
Drive Safely
Maintaining a clean driving record can help keep your auto insurance premiums down. Make it a goal to keep your driving history clear of moving violations or accidents. Need to brush up on your driving skills and the rules of the road? Many insurance companies offer discounts for completing an approved driver safety or defensive driving course.
Shop Around
Insurance companies may use different criteria when determining car insurance rates, so the price you're quoted can vary from one insurance carrier to another. Comparing quotes from multiple insurers can be a good way to find the lowest prices on car insurance. Make a note to shop around with different providers at least once a year or whenever your current car insurance is about to come up for renewal.
You can get auto insurance quotes at insurance company websites or by contacting insurance companies directly. This can be time-consuming, so if you're looking for a more convenient way to investigate your options, try Experian's free car insurance comparison tool. You'll get car insurance quotes from multiple top insurance companies in Michigan so you can easily see which provider has the cheapest car insurance.
Methodology
This analysis is based on a review of auto insurance policies and quotes provided through Experian's insurance marketplace. Policy premium and quote averages are based on driver data across all genders and ages unless otherwise noted.
Experian's insurance marketplace matches users with auto insurance coverage from more than 30 carriers across 50 states and Washington, D.C.
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About the author
Karen Axelton
Karen Axelton specializes in writing about business and entrepreneurship. She has created content for companies including American Express, Bank of America, MetLife, Amazon, Cox Media, Intel, Intuit, Microsoft and Xerox.
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