Michigan car insurance
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βResults will vary and some may not see savings. Average savings of $828 per year for customers who switched and saved with Experian from Jan. 1, 2022 to Mar. 31, 2024. Savings based on customers’ self-reported prior premium. Experian offers insurance from a network of top-rated insurance companies through its licensed subsidiary, Gabi Personal Insurance Agency, Inc.
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Michigan car insurance quotes
Car insurance in Michigan costs $2,682 per year on average, which is 16% more than the national average. In 2024, the average cost of minimum coverage in Michigan was $1,953 and the cost of full coverage was $3,691.
| City | Average cost of car insurance per month |
|---|---|
| Detroit | $350 |
| Grand Rapids | $184 |
| Lansing | $177 |
| Saginaw | $212 |
| Muskegon | $180 |
| Flint | $238 |
| Kalamazoo | $206 |
| Jackson | $181 |
| Ypsilanti | $229 |
| Ann Arbor | $153 |
Michigan car insurance requirements
Here’s a look at the minimum coverage amounts required by law in Michigan.
| Coverage | Minimum amount required by Michigan |
|---|---|
| Bodily injury coverage | $50,000 per person / $100,000 per accident |
| Property damage coverage | $10,000 per accident |
| Personal injury protection | $250,000 per accident |
| Property protection | $1 million |
The minimum coverage amounts above satisfy Michigan’s auto insurance requirements. While Michigan has high requirements compared to other states, carrying only the minimum may leave you without enough coverage in the event of an accident. Consider adding more coverage, including collision and comprehensive coverage, and increasing your policy limits.
How to save money on car insurance in Michigan
To save money and find the cheapest car insurance in Michigan, you can compare quotes, bundle your policies, increase your deductible and take advantage of discounts you may qualify for. Start by reviewing the most affordable insurance companies where you live.
| Insurer | Full coverage (average cost per month) | Average savings per month (compared to state average) |
|---|---|---|
| SAFECO | $132 | 19% savings |
| Progressive | $177 | 9% more |
| Bristol West | $223 | 37% more |
| Insurer | Minimum coverage (average cost per month) | Average savings per month (compared to state average) |
|---|---|---|
| Progressive | $220 | 28% savings |
| SAFECO | $257 | 16% savings |
| Liberty Mutual | $365 | 19% more |
| Bristol West | $376 | 22% more |
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Car insurance by state
Compare auto insurance by state and see state averages, including top cities and providers.