Cheap Car Insurance in Michigan – February 2023

Secura offers the cheapest car insurance in Michigan, with an average monthly rate of $82 for full coverage.
Ben Moore
By Ben Moore 
Edited by Lacie Glover

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Auto insurance is an important purchase, but finding cheap car insurance in Michigan isn’t always easy. The best way to find cheap car insurance is to compare rates from multiple insurers.

The cheapest car insurance company in Michigan is Secura at $984 per year on average, or $82 per month, according to the most recent NerdWallet analysis of full coverage car insurance rates in Michigan. Meanwhile, the average cost of full coverage car insurance in Michigan is $3,226 per year, or about $269 per month.

Minimum coverage in Michigan is $1,103 per year on average, but we found you can likely get a cheaper policy. For example, Travelers offers the cheapest rates in Michigan at $139 per year, on average, for minimum coverage car insurance for a 35-year-old driver with a clean driving record.

If you're looking for cheap options in the birthplace of Motown, check out our guide to the cheapest car insurance in Detroit.

How we chose the cheapest companies in Michigan

NerdWallet’s editorial team analyzed car insurance rates from 24 auto insurers in Michigan and listed the five cheapest options for drivers in several age brackets and with different histories, all driving a 2020 Toyota Camry L. For minimum coverage, we looked at rates that reflect the minimum requirements in Michigan. For full coverage, we used the below coverage limits:

  • $100,000 bodily injury liability per person.

  • $300,000 bodily injury liability per accident.

  • $50,000 property damage liability per accident.

  • $100,000 uninsured motorist coverage per person.

  • $300,000 uninsured motorist coverage per accident.

  • Collision coverage with a $1,000 deductible.

  • Comprehensive coverage with a $1,000 deductible.

Our writers and editors follow strict editorial guidelines to ensure fairness and accuracy in our writing and data analyses. You can trust the prices we show you because our data analysts take rigorous measures to eliminate outliers and inaccuracies in pricing data, which include rates from every locale in Michigan where coverage is offered and data is available. When comparing rates for different coverage amounts, ages and backgrounds, we change only one variable at a time, so you can easily see how each factor affects pricing.

Cheapest for 20-year-old drivers

Drivers in their 20s may have to get a lot of quotes to find the best cheap car insurance. Prices can be sky-high for younger 20-somethings, but tend to come down as drivers get more experience on the road. Still, some companies routinely have better insurance rates for young drivers, so it's best to shop around to find them.

Cheapest full coverage car insurance in Michigan for 20-year-olds

Drivers in Michigan with clean driving records may want to consider the following companies, which had the lowest average rates:

  1. Secura: $2,034 per year, or about $170 per month.

  2. Geico: $2,091 per year, or about $174 per month.

  3. Michigan Farm Bureau: $3,108 per year, or about $259 per month.

  4. Auto-Owners: $3,128 per year, or about $261 per month.

  5. Chubb: $3,412 per year, or about $284 per month.

Cheapest minimum coverage car insurance in Michigan for 20-year-olds

Drivers in Michigan who want just the state minimum coverage may want to check with these companies, which had the lowest average rates:

  1. Secura: $456 per year, or about $38 per month.

  2. Travelers: $467 per year, or about $39 per month.

  3. Auto-Owners: $726 per year, or about $60 per month.

  4. Fremont: $794 per year, or about $66 per month.

  5. Wolverine Mutual: $835 per year, or about $70 per month.

Cheapest auto insurance in Michigan for 20-year-old drivers with one speeding ticket

For drivers with a recent speeding ticket in Michigan, here are the companies with the lowest average rates for minimum coverage:

  1. Travelers: $467 per year, or about $39 per month.

  2. Chubb: $859 per year, or about $72 per month.

  3. Secura: $982 per year, or about $82 per month.

  4. Wolverine Mutual: $1,043 per year, or about $87 per month.

  5. Auto-Owners: $1,307 per year, or about $109 per month.

Cheapest auto insurance in Michigan for 20-year-old drivers with one at-fault crash

For drivers with a recent accident in Michigan, here are the companies with the lowest average rates for minimum coverage:

  1. Travelers: $536 per year, or about $45 per month.

  2. Secura: $805 per year, or about $67 per month.

  3. Chubb: $859 per year, or about $72 per month.

  4. Auto-Owners: $934 per year, or about $78 per month.

  5. Pioneer State: $1,014 per year, or about $84 per month.

Cheapest auto insurance in Michigan for 20-year-old drivers after a DUI

The cheapest auto insurance we found after a DUI is shown here, alongside the insurers' average rates for minimum coverage.

  1. Travelers: $773 per year, or about $64 per month.

  2. Chubb: $859 per year, or about $72 per month.

  3. Secura: $1,764 per year, or about $147 per month.

  4. Wolverine Mutual: $1,791 per year, or about $149 per month.

  5. Pioneer State: $1,814 per year, or about $151 per month.

Cheapest for 30-year-old drivers

By the time they reach their 30s, most drivers will enjoy cheaper car insurance rates than in their teens and 20s. Still, factors like a person’s driving record and car make and model can increase prices. Drivers in their 30s can get lower rates by shopping around and taking advantage of any car insurance discounts.

Cheapest full coverage car insurance in Michigan for 30-year-olds

Drivers in Michigan who want their state's minimum coverage can check with the following companies, which had the lowest average rates:

  1. Secura: $1,038 per year, or about $86 per month.

  2. Geico: $1,087 per year, or about $91 per month.

  3. Hastings Mutual: $1,288 per year, or about $107 per month.

  4. Wolverine Mutual: $1,708 per year, or about $142 per month.

  5. Pioneer State: $1,912 per year, or about $159 per month.

Cheapest minimum coverage car insurance in Michigan for 30-year-olds

Drivers in Michigan who want their state's minimum coverage can check with the following companies, which had the lowest average rates:

  1. Travelers: $139 per year, or about $12 per month.

  2. Secura: $184 per year, or about $15 per month.

  3. Wolverine Mutual: $298 per year, or about $25 per month.

  4. Fremont: $397 per year, or about $33 per month.

  5. Auto-Owners: $460 per year, or about $38 per month.

Cheapest auto insurance in Michigan for 30-year-old drivers with one speeding ticket

For drivers with a recent speeding ticket in Michigan, here are the companies with the lowest average rates for minimum coverage:

  1. Travelers: $258 per year, or about $22 per month.

  2. Wolverine Mutual: $364 per year, or about $30 per month.

  3. Secura: $394 per year, or about $33 per month.

  4. Chubb: $510 per year, or about $42 per month.

  5. Fremont: $646 per year, or about $54 per month.

Cheapest auto insurance in Michigan for 30-year-old drivers with one at-fault crash

For drivers in Michigan with a recent accident, here are the lowest average rate options for full coverage:

  1. Secura: $1,594 per year, or about $133 per month.

  2. Hastings Mutual: $2,034 per year, or about $170 per month.

  3. Chubb: $2,057 per year, or about $171 per month.

  4. Wolverine Mutual: $2,188 per year, or about $182 per month.

  5. Pioneer State: $2,292 per year, or about $191 per month.

Cheapest auto insurance in Michigan for 30-year-old drivers after a DUI

For the cheapest auto insurance after a DUI, we found the following options for full coverage.

  1. Chubb: $2,057 per year, or about $171 per month.

  2. Secura: $3,187 per year, or about $266 per month.

  3. Progressive: $3,431 per year, or about $286 per month.

  4. Pioneer State: $3,702 per year, or about $308 per month.

  5. MetLife: $4,287 per year, or about $357 per month.

Cheapest for 40-year-old drivers

Drivers in their 40s tend to have better insurance rates than their younger counterparts on average, but still pay more than older age groups. Shopping around for cheap car insurance quotes with multiple insurers is the best way to find lower rates. Good drivers who don’t get behind the wheel often might want to consider pay-per-mile insurance, which charges drivers by how many miles they drive.

Cheapest full coverage car insurance in Michigan for 40-year-olds

Drivers in Michigan with clean driving records may want to think about the following companies, which had the lowest average rates:

  1. Secura: $961 per year, or about $80 per month.

  2. Hastings Mutual: $1,047 per year, or about $87 per month.

  3. Geico: $1,087 per year, or about $91 per month.

  4. Wolverine Mutual: $1,482 per year, or about $124 per month.

  5. Pioneer State: $1,801 per year, or about $150 per month.

Cheapest minimum coverage car insurance in Michigan for 40-year-olds

Drivers in Michigan who want just the minimum coverage may want to check prices from these companies, which had the lowest average rates:

  1. Travelers: $139 per year, or about $12 per month.

  2. Secura: $173 per year, or about $14 per month.

  3. Wolverine Mutual: $294 per year, or about $24 per month.

  4. Fremont: $397 per year, or about $33 per month.

  5. Pioneer State: $467 per year, or about $39 per month.

Cheapest auto insurance in Michigan for 40-year-old drivers with one speeding ticket

For drivers with a recent speeding ticket in Michigan, here are the companies with the lowest average rates for minimum coverage:

  1. Travelers: $258 per year, or about $22 per month.

  2. Wolverine Mutual: $359 per year, or about $30 per month.

  3. Secura: $368 per year, or about $31 per month.

  4. Chubb: $485 per year, or about $40 per month.

  5. Fremont: $646 per year, or about $54 per month.

Cheapest auto insurance in Michigan for 40-year-old drivers with one at-fault crash

For drivers with a recent accident living in Michigan, here are the companies with the lowest average rates for full coverage:

  1. Secura: $1,462 per year, or about $122 per month.

  2. Hastings Mutual: $1,794 per year, or about $150 per month.

  3. Wolverine Mutual: $1,884 per year, or about $157 per month.

  4. Chubb: $1,981 per year, or about $165 per month.

  5. Pioneer State: $2,156 per year, or about $180 per month.

Cheapest auto insurance in Michigan for 40-year-old drivers after a DUI

The cheapest full coverage auto insurance we found for drivers with a DUI came from the following companies.

  1. Chubb: $1,981 per year, or about $165 per month.

  2. Secura: $2,894 per year, or about $241 per month.

  3. Progressive: $3,341 per year, or about $278 per month.

  4. Pioneer State: $3,479 per year, or about $290 per month.

  5. Wolverine Mutual: $3,823 per year, or about $319 per month.

Cheapest for 50-year-old drivers

Drivers in their 50s have cheaper car insurance rates than most other age groups on average. Prices will continue to drop as they inch toward their 60s and gain more driving experience. Rates can still vary depending on other factors such as a driver’s gender and location, so it’s smart to shop around to find the best rate. Our list of cheap auto insurance companies is a good place to start.

Cheapest full coverage car insurance in Michigan for 50-year-olds

Drivers in Michigan with clean driving records may want to get quotes from these insurers, which had the lowest average rates:

  1. Secura: $938 per year, or about $78 per month.

  2. Hastings Mutual: $1,062 per year, or about $88 per month.

  3. Geico: $1,147 per year, or about $96 per month.

  4. Wolverine Mutual: $1,167 per year, or about $97 per month.

  5. Fremont: $1,621 per year, or about $135 per month.

Cheapest minimum coverage car insurance in Michigan for 50-year-olds

Drivers in Michigan who opt for the state minimum coverage may want to consider the following companies, with the lowest average rates:

  1. Travelers: $122 per year, or about $10 per month.

  2. Secura: $171 per year, or about $14 per month.

  3. Wolverine Mutual: $210 per year, or about $18 per month.

  4. Fremont: $313 per year, or about $26 per month.

  5. Chubb: $457 per year, or about $38 per month.

Cheapest auto insurance in Michigan for 50-year-old drivers with one speeding ticket

For drivers with a recent speeding ticket in Michigan, here are the companies with the lowest average rates for minimum coverage:

  1. Travelers: $226 per year, or about $19 per month.

  2. Wolverine Mutual: $254 per year, or about $21 per month.

  3. Secura: $366 per year, or about $30 per month.

  4. Chubb: $457 per year, or about $38 per month.

  5. Fremont: $498 per year, or about $42 per month.

Cheapest auto insurance in Michigan for 50-year-old drivers with one at-fault crash

For drivers living in Michigan with a recent accident, here are the insurers with the lowest average full coverage rates:

  1. Secura: $1,428 per year, or about $119 per month.

  2. Wolverine Mutual: $1,475 per year, or about $123 per month.

  3. Hastings Mutual: $1,809 per year, or about $151 per month.

  4. Chubb: $1,894 per year, or about $158 per month.

  5. Pioneer State: $2,102 per year, or about $175 per month.

Cheapest auto insurance in Michigan for 50-year-old drivers after a DUI

The cheapest auto insurance we found for drivers with a recent DUI comes from the following companies, listed with rates for full coverage.

  1. Chubb: $1,894 per year, or about $158 per month.

  2. Secura: $2,823 per year, or about $235 per month.

  3. Wolverine Mutual: $2,824 per year, or about $235 per month.

  4. Progressive: $3,091 per year, or about $258 per month.

  5. Pioneer State: $3,408 per year, or about $284 per month.

Cheapest for 60-year-old drivers

Although 60-year-olds have cheaper car insurance rates than many other age groups on average, prices will start increasing as they get older. To find cheap car insurance for seniors, drivers in their 60s should make sure to shop around to find the best rate. Drivers in this age group should also take advantage of any available discounts for senior citizens.

Cheapest full coverage car insurance in Michigan for 60-year-olds

Drivers in Michigan with clean driving records may want to think about getting quotes from these companies, which had the lowest average rates:

  1. Secura: $939 per year, or about $78 per month.

  2. Hastings Mutual: $1,046 per year, or about $87 per month.

  3. Wolverine Mutual: $1,167 per year, or about $97 per month.

  4. Geico: $1,181 per year, or about $98 per month.

  5. MetLife: $1,351 per year, or about $113 per month.

Cheapest minimum coverage car insurance in Michigan for 60-year-olds

Drivers in Michigan who want just the state minimum coverage may want to check with these insurers, which had the lowest average rates:

  1. Travelers: $125 per year, or about $10 per month.

  2. Secura: $180 per year, or about $15 per month.

  3. Wolverine Mutual: $210 per year, or about $18 per month.

  4. Fremont: $323 per year, or about $27 per month.

  5. Geico: $332 per year, or about $28 per month.

Cheapest auto insurance in Michigan for 60-year-old drivers with one speeding ticket

For drivers with a recent speeding ticket in Michigan, here are the companies with the lowest average rates for minimum coverage:

  1. Travelers: $231 per year, or about $19 per month.

  2. Wolverine Mutual: $254 per year, or about $21 per month.

  3. Secura: $382 per year, or about $32 per month.

  4. Chubb: $417 per year, or about $35 per month.

  5. MetLife: $428 per year, or about $36 per month.

Cheapest auto insurance in Michigan for 60-year-old drivers with one at-fault crash

For drivers with a recent accident living in Michigan, here are the companies with the lowest average rates for full coverage:

  1. Secura: $1,438 per year, or about $120 per month.

  2. Wolverine Mutual: $1,475 per year, or about $123 per month.

  3. Chubb: $1,682 per year, or about $140 per month.

  4. Hastings Mutual: $1,730 per year, or about $144 per month.

  5. Pioneer State: $1,946 per year, or about $162 per month.

Cheapest auto insurance in Michigan for 60-year-old drivers after a DUI

The cheapest auto insurance we found after a DUI came from the following companies, shown with their average rates for full coverage.

  1. Chubb: $1,682 per year, or about $140 per month.

  2. Wolverine Mutual: $2,824 per year, or about $235 per month.

  3. Secura: $2,870 per year, or about $239 per month.

  4. Progressive: $2,971 per year, or about $248 per month.

  5. MetLife: $3,017 per year, or about $251 per month.

Cheapest for 70-year-old drivers

Car insurance costs may start to rise for 70-year-old drivers. To find the cheapest possible coverage, shop around and compare quotes from multiple companies. Also, look for insurers that offer discounts for seniors. For example, some insurers offer discounts to senior drivers who take a defensive driving course.

Cheapest full coverage car insurance in Michigan for 70-year-olds

Drivers in Michigan with clean driving records may want to think about getting quotes from these companies, which had the lowest average rates:

  1. Secura: $1,056 per year, or about $88 per month.

  2. Hastings Mutual: $1,323 per year, or about $110 per month.

  3. Wolverine Mutual: $1,332 per year, or about $111 per month.

  4. Pioneer State: $1,654 per year, or about $138 per month.

  5. Chubb: $1,726 per year, or about $144 per month.

Cheapest minimum coverage car insurance in Michigan for 70-year-olds

Drivers in Michigan who want just the state minimum coverage may want to check with these insurers, which had the lowest average rates:

  1. Travelers: $125 per year, or about $10 per month.

  2. Secura: $212 per year, or about $18 per month.

  3. Wolverine Mutual: $246 per year, or about $20 per month.

  4. Fremont: $339 per year, or about $28 per month.

  5. Chubb: $429 per year, or about $36 per month.

Cheapest auto insurance in Michigan for 70-year-old drivers with one speeding ticket

For drivers with a recent speeding ticket in Michigan, here are the companies with the lowest average rates for minimum coverage:

  1. Travelers: $231 per year, or about $19 per month.

  2. Wolverine Mutual: $297 per year, or about $25 per month.

  3. Chubb: $429 per year, or about $36 per month.

  4. Secura: $451 per year, or about $38 per month.

  5. Fremont: $543 per year, or about $45 per month.

Cheapest auto insurance in Michigan for 70-year-old drivers with one at-fault crash

For drivers with a recent accident living in Michigan, here are the companies with the lowest average rates for full coverage:

  1. Secura: $1,659 per year, or about $138 per month.

  2. Wolverine Mutual: $1,696 per year, or about $141 per month.

  3. Chubb: $1,726 per year, or about $144 per month.

  4. Pioneer State: $1,982 per year, or about $165 per month.

  5. Hastings Mutual: $2,008 per year, or about $167 per month.

Cheapest auto insurance in Michigan for 70-year-old drivers after a DUI

The cheapest auto insurance we found after a DUI came from the following companies, shown with their average rates for full coverage.

  1. Chubb: $1,726 per year, or about $144 per month.

  2. Progressive: $3,153 per year, or about $263 per month.

  3. Pioneer State: $3,266 per year, or about $272 per month.

  4. Secura: $3,398 per year, or about $283 per month.

  5. MetLife: $3,524 per year, or about $294 per month.

Cheapest car insurance for military families

If you're an active member of the military or a veteran — or have an immediate family member who is — chances are you'll get a relatively cheap rate with USAA, a company that isn't available to the general public.

Because of that restriction, USAA isn't ranked with the others, but it was among the cheapest three auto insurance options for 42 of the 70 driver profiles we examined.

Minimum car insurance requirements in Michigan

Michigan residents must carry liability insurance, personal property protection (known as PPI) and personal injury protection (known as PIP).

PPI pays to fix damage you cause to others’ property, such as a fence or garage, while driving, or damage you cause to others’ parked cars. PIP primarily covers injuries that you and your passengers suffer in a crash, no matter who caused the incident.

You must select at least the following amounts of liability insurance, personal property protection and personal injury protection:

  • $50,000 bodily injury liability per person.

  • $100,000 bodily injury liability per incident.

  • $1 million PPI for incidents that occur within Michigan.

  • $10,000 property damage liability per incident outside Michigan.

  • $250,000* personal injury protection.

*Lower PIP limits available for certain Medicare and Medicaid recipients.

Liability car insurance covers the cost of any damage, injuries or deaths you cause in a car accident, up to your policy’s predefined limits.
Property protection insurance, or PPI, will pay up to $1 million for repairs if you’re driving in Michigan and damage another resident’s property, including buildings, fences or parked cars.

Personal injury protection will cover your medical bills and expenses if you’re injured in a car crash, up to your policy limits, no matter whose fault it was. Depending on your state, PIP may also pay for:

  • Lost wages if you’re unable to work due to injuries from an accident.

  • Services you can no longer perform, like house cleaning or child care, because of your injuries.

  • Funeral costs if an accident-related injury leads to death.

  • A small death benefit as a cash payout.

Experts recommend buying more than the bare minimum liability insurance to avoid having to pay out of pocket for damage that exceeds your policy’s limits.

Check out NerdWallet’s guide to car insurance requirements by state to learn more about how the required and optional coverages of your Michigan auto policy work.

Alternative car insurance in Michigan

Drivers who are denied car insurance on the open market because of DUIs or other factors may apply for coverage through the Michigan Automobile Insurance Placement Facility.

NerdWallet can also help drivers find cheap car insurance in Michigan. Try our car insurance comparison tool to view rates from leading companies in the Wolverine State.

Methodology

For our “good driver” profile, NerdWallet averaged insurance estimates for single male and female drivers with no tickets or violations. The analysis included 5-10 of the largest insurance companies in each state; smaller insurers were also included when rates were available. Liberty Mutual and its subsidiaries were excluded from our analysis as rates were not available.

For full coverage policies, we used the following coverage limits:

  • $100,000 bodily injury liability per person.

  • $300,000 bodily injury liability per accident.

  • $50,000 property damage liability per accident.

  • $100,000 uninsured motorist coverage per person.

  • $300,000 uninsured motorist coverage per accident.

  • Collision coverage with a $1,000 deductible.

  • Comprehensive coverage with a $1,000 deductible.

In states where required, minimum additional coverages were added. Some policies include additional coverages at the insurer’s discretion.

We used a 2020 Toyota Camry L for all drivers and assumed 12,000 annual miles driven.

We analyzed rates for drivers 20 to 70 years old in ten-year increments. For the average cost of full and minimum coverage in each state, we looked at 35-year-old drivers.

We used the same assumptions for all other driver profiles, with the following exceptions:

  • For drivers with minimum coverage, we adjusted the numbers above to reflect the minimum required coverage by law in the state.

  • For drivers with one at-fault crash, we added a single at-fault crash that happened six months ago, resulting in $10,000 in property damage and no bodily injury claim.

  • For drivers with a DUI, we added a single drunken driving violation that happened six months ago.

These are rates generated through Quadrant Information Services. Your own rates will be different. Some insurance companies included in this article may have made changes in their underwriting practices and no longer issue new policies in your state.

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