Fact CheckedNerdy takeaways
GEICO has the cheapest car insurance in Michigan, with an average rate of $110 per month and $1,321 per year for full coverage.
In Michigan, full coverage car insurance costs an average of $245 per month or $2,944 per year for someone with a good driving record.
The amount of auto insurance you need in Michigan depends in part on your health coverage.
The cheapest car insurance in Michigan, at a glance
These are median rates from NerdWallet's September 2026 analysis, but your rate will vary based on your personal information, location and insurance provider. Not all companies offer policies in every state.
NerdWallet analyzed rates from 21 car insurance companies across every ZIP code in Michigan. We found the cheapest car insurance for different coverage levels, ages and driving records.
Although Liberty Mutual is one of the largest insurers in the country, we didn’t include it in our analysis because of a lack of publicly available rates data.
Check out our full methodology at the bottom of this page to get more detailed information about how we found the cheapest car insurance companies.
Strict editorial guidelines to ensure fairness and accuracy in our analysis.
Thorough rating guidelines for evaluating auto insurance companies.
More than 120 million rates analyzed by our team of specialists.
More than 130 insurance companies analyzed in all 50 states and Washington D.C.
You can trust the prices we show because our data team removes outliers and inaccuracies in pricing data. Our data includes rates from every ZIP code in a state where coverage is offered and data is available. It’s easy to see how one factor (such as someone’s driving history or age) affects insurance costs because we change only one variable at a time when comparing rates.
See what you could save on car insurance
Easily compare personalized rates to see how much switching car insurance could save you.
Cheapest car insurance in Michigan for full coverage
GEICO has the cheapest car insurance in Michigan for full coverage, with an average rate of $110 per month or $1,321 per year.
What full coverage is: Having full coverage means that your auto insurance policy provides all of the coverage that Michigan requires as well as comprehensive and collision coverage. With comprehensive and collision, your policy will cover thefts and most kinds of damage to your car, such as damage from animals and the weather.
Who needs it: Michigan doesn’t require full coverage, but you’ll likely need it if you drive a lease or you have an auto loan you’re paying off. Once you own your car outright you can drop full coverage, but we only recommend dropping it if you could afford to replace or repair your car on your own.
| Company | NerdWallet rating | Median monthly rate |
|---|---|---|
| GEICO | 5.0/5 | $110 |
| Wolverine Mutual | 3.2/5 | $173 |
| Progressive | 4.8/5 | $181 |
| Farmers | 4.6/5 | $182 |
| Fremont | Not rated | $191 |
Rates refreshed September 2026.
Cheapest car insurance in Michigan for minimum coverage
What minimum coverage is: Every driver in Michigan is required to have car insurance. A basic policy covers the damage that you cause to other drivers and their property, as well as your own injuries.
Who needs it: All drivers in Michigan need a minimum amount of car insurance, but it’s a good idea to carry even more if you can afford it. That’s because your minimum coverage won’t help to repair damage to your car.
| Company | NerdWallet rating | Median monthly rate |
|---|---|---|
| Wolverine Mutual | 3.2/5 | $27 |
| Fremont | Not rated | $36 |
| Farmers | 4.6/5 | $41 |
| GEICO | 5.0/5 | $45 |
| Meemic | 3.9/5 | $47 |
Rates refreshed September 2026.
More Nerdy Perspective
Compared to other states, Michigan has complicated insurance requirements. You need personal injury protection, a type of insurance that covers your injuries and other expenses — but the amount you need varies with the kind of health insurance you have. Drivers with Medicaid or Medicare can choose less personal injury protection than someone with a private health insurance plan.
Compared to other states, Michigan has complicated insurance requirements. You need personal injury protection, a type of insurance that covers your injuries and other expenses — but the amount you need varies with the kind of health insurance you have. Drivers with Medicaid or Medicare can choose less personal injury protection than someone with a private health insurance plan.
Andrew HurstLead Writer & Licensed Insurance ProMichigan requires these types of car insurance:
Liability insurance. This type of insurance helps cover the injuries you cause to other people in a crash.
Property protection insurance. This is liability insurance for the damage you cause to someone else’s property in Michigan.
Out-of-state property damage liability. Michigan also requires you to have additional property damage insurance for damage you cause in other states.
Personal injury protection. Also called no-fault insurance, personal injury protection helps you pay for your injuries, hospital stays and surgeries, as well as some lost wages, after a crash — even if the crash wasn’t your fault.
You often need more auto insurance in Michigan than you would in other states. Michigan’s auto insurance requirements are:
$50,000 of liability coverage for every person you injure.
$100,000 of liability coverage, regardless of the number of people injured.
$10,000 of liability coverage for property damage you cause in another state.
$1 million of coverage for property damage you cause in Michigan.
At least $250,000 of personal injury protection if you have qualifying health insurance coverage (though you can choose more).
When it comes to personal injury protection, you’ll have to choose the amount of coverage you want. You can choose $250,000 if you have qualifying health coverage, which Michigan defines as a plan with a deductible of $6,579 or less that doesn’t limit coverage for injuries from auto accidents, or coverage under both Medicare A and B or Medicare Advantage .
If you have Medicaid or Medicare you can choose to carry less than $250,000 of personal injury protection. You can also opt out of personal injury protection if you have Medicare A and B or Medicare Advantage.
Cheapest car insurance in large Michigan cities
It’s not unusual for the cheapest car insurance company to change depending on where you live in a state. Usually car insurance is most expensive in large cities. That’s because large cities usually have higher numbers of drivers, crashes and crimes than smaller cities, towns and villages.
So, the insurer with the best rates in Detroit won’t necessarily be the cheapest in Grand Rapids.
If you’re thinking about moving, even across town, you should estimate your car insurance rates in your new neighborhood. Doing this could help you plan for the extra costs a new area could bring.
These are the cheapest car insurance companies in Grand Rapids for different driving profiles.
Category Cheapest Company Median annual rate Clean driving history GEICO $1,354 After a DUI Progressive $2,919 After an accident Wolverine Mutual $2,398 After a speeding ticket Wolverine Mutual $2,256 Having poor credit GEICO $2,184 Category Cheapest Company Median annual rate Clean driving history Wolverine Mutual $289 After a DUI Farmers $662 After an accident Wolverine Mutual $349 After a speeding ticket Wolverine Mutual $329 Having poor credit Wolverine Mutual $487 Rates refreshed September 2026.
These are the cheapest car insurance companies in Lansing for different driving profiles.
Category Cheapest Company Median annual rate Clean driving history GEICO $1,364 After a DUI Progressive $2,455 After an accident Wolverine Mutual $2,664 After a speeding ticket Farmers $2,244 Having poor credit GEICO $2,202 Rates refreshed September 2026.
Cheapest car insurance in Michigan by age
The cheapest car insurance for you depends on how old you are (and how many years you’ve been driving). Insurers use age to estimate how likely you are to be involved in an accident. For this reason, younger drivers see higher rates on average than older drivers.
But the cheapest company at any age isn’t guaranteed to stay cheap forever. Rates can change from year to year, so it’s worth shopping around at least annually to check for a better deal.
GEICO has the cheapest car insurance for young drivers in Michigan, with an average rate of $208 per month or $2,500 per year for full coverage.
Car insurance rates for young drivers are more expensive (sometimes much more expensive) than those who have more experience driving. If you’re able to join an existing policy, like a parent’s or guardian’s, it’s usually cheaper than the cost of a standalone policy.
Company NerdWallet rating Median monthly rate GEICO 5.0/5$208 Hastings Mutual Not rated $276 Progressive 4.8/5$290 Pioneer State 4.0/5$329 Auto-Owners 4.5/5$337 Company NerdWallet rating Median monthly rate GEICO 5.0/5$71 Fremont Not rated $74 Auto-Owners 4.5/5$76 Pioneer State 4.0/5$77 Wolverine Mutual 3.2/5$79 These are median rates for 20-year-old drivers who get their own standalone policy, according to our September 2026 analysis. A driver who’s added to an existing policy may have cheaper rates.
GEICO is the cheapest car insurance company in Michigan for 20-year-olds who join their parents’ existing policy. GEICO has an average rate of $245 a month or $2,941 a year for a full coverage policy that covers the new driver and two parents, according to NerdWallet’s May 2026 analysis.
Your car insurance rate is likely to rise after you add a recently licensed young driver to your policy. Price increases vary depending on the young driver’s age and driving record, the car they drive and other factors. But new drivers may be able to qualify for discounts for good grades, or for living away at college.
Company
Monthly rate
Monthly increase from two-adult policy
$245
$53
$299
$96
$369
$117
Wolverine Mutual
$412
$231
Pioneer State
$414
$78
*USAA is available only to military families, veterans and some federal employees.
For comparison, the average cost to insure only two adults in Michigan is $383 per month, according to our analysis of full coverage rates for a 50-year-old male driver and 45-year-old female driver sharing one policy.
GEICO has the cheapest car insurance for millennials in Michigan, with an average rate of $110 per month or $1,321 per year for full coverage.
Car insurance rates tend to become much cheaper once you’re in your 30s. If you purchase a home, buy another car or get married during this time, you could qualify for car insurance discounts and get even better rates.
These are median rates for 30-year-old drivers, according to our September 2026 analysis.
GEICO has the cheapest car insurance for Gen X drivers in Michigan, with an average rate of $114 per month or $1,371 per year for full coverage.
You should be able to find a few car insurance companies with cheap rates at this age. You might also want to rethink the amount of car insurance you need. If you’ve paid off your car and could replace it on your own, you might be able to drop full coverage and lower your rates.
Company NerdWallet rating Median monthly rate GEICO 5.0/5$114 Wolverine Mutual 3.2/5$145 Fremont Not rated $153 Progressive 4.8/5$160 Hastings Mutual Not rated $177 These are median rates for 50-year-old drivers, according to our September 2026 analysis.
Progressive has the cheapest car insurance for senior-age drivers in Michigan, with an average rate of $150 per month or $1,801 per year for full coverage.
Car insurance costs tend to rise some once you’re in your 70s, but rates for senior-age drivers should still be low compared to most younger drivers. If price increases become too much, try shopping around for lower rates or looking for senior-focused driving programs that can earn you a discount.
These are median rates for 70-year-old drivers, according to our September 2026 analysis.
Cheapest car insurance in Michigan by driving record
A driving violation will likely increase your car insurance rates — often significantly. For example, in Michigan someone with a clean record pays an average of $245 per month with a clean record, and $323 per month after a recent accident.
It’s still possible to get affordable car insurance as a high-risk driver, but finding a good deal can be tricky. If you have a past accident or driving violation, comparing quotes is even more important for securing your best price.
Wolverine Mutual has the cheapest car insurance in Michigan after a speeding ticket, with an average rate of $197 per month or $2,368 per year for full coverage.
On average, your rates will likely get more expensive after a speeding ticket, but it’s not a sure thing. Insurers set rates differently, so you may see only a small price hike — or none at all — after you’re pulled over for speeding.
Rates refreshed September 2026.
Wolverine Mutual has the cheapest car insurance in Michigan after an at-fault accident, with an average rate of $210 per month or $2,514 per year for full coverage.
Accidents on your record often have a bigger influence on your insurance rates than speeding tickets do. But it can be hard to predict exactly how much more you’ll pay for car insurance after a crash. Rates can remain higher than average for three to five years after a crash.
Company NerdWallet rating Median monthly rate Wolverine Mutual 3.2/5$210 Fremont Not rated $246 Pioneer State 4.0/5$268 Progressive 4.8/5$271 GEICO 5.0/5$274 Company NerdWallet rating Median monthly rate Wolverine Mutual 3.2/5$32 Fremont Not rated $49 Westfield 3.8/5$51 Pioneer State 4.0/5$65 Auto-Owners 4.5/5$66 Rates refreshed September 2026.
Progressive has the cheapest car insurance in Michigan after a DUI with an average rate of $231 per month or $2,773 per year for full coverage.
DUIs are particularly expensive driving violations. Not only are you likely to pay much higher car insurance rates after a DUI, but in Michigan you also face a potential license suspension, fines, jail time and community service for driving under the influence .
Company NerdWallet rating Median monthly rate Progressive 4.8/5$231 Farmers 4.6/5$442 Wolverine Mutual 3.2/5$450 Auto Club Group 4.1/5$463 Pioneer State 4.0/5$476 Company NerdWallet rating Median monthly rate Farmers 4.6/5$69 Wolverine Mutual 3.2/5$74 Progressive 4.8/5$101 The Hanover 4.4/5$115 Meemic 3.9/5$119 Rates refreshed September 2026.
It’s possible that your driving record makes it harder for you to get car insurance. You may need to shop for coverage through the Michigan Automobile Insurance Placement Facility (MAIPF). This association is like a market made up of Michigan’s insurance companies that helps get high-risk drivers car insurance. Companies are legitimate, but expect to pay much higher rates than you would on the regular market.
» MORE: Getting an SR22 in Michigan
Cheapest car insurance in Michigan by credit history
Insurance companies in Michigan can use your history to set rates . Your credit-based insurance score can give insurers a sense of how likely you are to file a claim.
While credit-based insurance scores are different from credit scores, you might still improve your credit-based insurance score and lower your rates by making on-time payments, paying down your existing debt and following other techniques you’d use to build credit.
GEICO has the cheapest car insurance in Michigan for drivers with poor credit, with an average rate of $177 per month or $2,129 per year for full coverage.
Rates refreshed September 2026.
GEICO has the cheapest car insurance in Michigan for drivers with good credit, with an average rate of $110 per month or $1,321 per year for full coverage.
Rates refreshed September 2026.
See what you could save on car insurance
Easily compare personalized rates to see how much switching car insurance could save you.
Cheapest car insurance in Michigan for military families
Full coverage
$135 /month
Min. coverage
$31 /month
USAA offers auto insurance to active military, veterans, certain federal employees and their families only.
Discounts
Great set of discounts
Ease of use
Above average
NAIC complaints
More than expected
Available in: AK, AL, AR, AZ, CA, CO, CT, DC, DE, FL, GA, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, MT, NC, ND, NE, NH, NJ, NM, NV, NY, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VA, VT, WA, WI, WV, & WY.
If you’re a member of the military or a part of a military family, then there’s a good chance you’ll find cheap car insurance from USAA.
USAA isn’t available to the general public, but its rates are usually cheaper than average — and often the cheapest among large insurers. Besides relatively affordable rates, USAA offers military-minded discounts to policyholders, as well as two usage-based insurance options that could benefit you if you’re a safe or infrequent driver.
NerdWallet writers are subject matter authorities who use primary, trustworthy sources to inform their work, including peer-reviewed studies, government websites, academic research and interviews with industry experts. All content is fact-checked for accuracy, timeliness and relevance. You can learn more about NerdWallet's high standards for journalism by reading our editorial guidelines.
- 1.Michigan's Auto Insurance Law. Choosing Bodily Injury Coverage. Accessed Sep 17, 2026.
- 2.Michigan State Police. Costs and consequences of driving impaired. Accessed Jun 29, 2026.
- 3.Michigan Legislature. MCL - Section 500.2153. Accessed Jun 29, 2026.
Auto insurance ratings methodology
NerdWallet’s auto insurance ratings reward companies for customer-first features and practices. Ratings are based on weighted averages of scores in several categories, including financial strength, consumer complaints and discounts. Our “ease of use” category looks at factors such as website transparency and how easy it is to file a claim. Using our editorial discretion, we also consider customer satisfaction surveys. These ratings are a guide, but we encourage you to shop around and compare several insurance quotes to find the best rate for you. NerdWallet does not receive compensation for any reviews. Read our editorial guidelines and full ratings methodology for auto insurance.
Here’s how we evaluated each car insurance company and the weights we placed on each category:
Financial strength (30%).
Consumer complaints (30%).
Ease of use (20%).
Affordability (20%).
The best auto insurers excel at all of these categories. They provide the information people need to make a purchase without any surprises along the way. They offer insurance at a fair price and provide more than one way to buy and manage a policy. They're financially strong and able to keep their customers happy throughout the relationship.
Insurer complaints methodology
NerdWallet examined complaints received by state insurance regulators and reported to the National Association of Insurance Commissioners in 2022-2024. To assess how insurers compare to one another, the NAIC calculates a complaint index each year for each subsidiary, measuring its share of total complaints relative to its size, or share of total premiums in the industry. To evaluate a company’s complaint history, NerdWallet calculated a similar index for each insurer, weighted by market shares of each subsidiary, over the three-year period. NerdWallet conducts its data analysis and reaches conclusions independently and without the endorsement of the NAIC. Ratios are determined separately for auto, home (including renters and condo) and life insurance.
Average rates methodology
NerdWallet averaged rates based on public filings obtained by pricing analytics company Quadrant Information Services. We examined rates for men and women for all ZIP codes in any of the 50 states and Washington, D.C. Although it’s one of the largest insurers in the country, Liberty Mutual is not included in our rates analysis due to a lack of publicly available information.
In our analysis, “good drivers” had no moving violations on record; a “good driving” discount was included for this profile. Our “good” credit rates are based on credit score approximations and do not account for proprietary scoring criteria used by insurance providers.
These are median rates, and your rate will vary based on your personal details, state and insurance provider.
Sample drivers had the following coverage limits:
$100,000 bodily injury liability coverage per person.
$300,000 bodily injury liability coverage per crash.
$50,000 property damage liability coverage per crash.
$100,000 uninsured motorist bodily injury coverage per person.
$300,000 uninsured motorist bodily injury coverage per crash.
Collision coverage with $1,000 deductible.
Comprehensive coverage with $1,000 deductible.
In states where required, minimum additional coverages were added. 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 only the minimum coverage required by law in the state.
For drivers with one at-fault crash, we added a single at-fault crash costing $10,000 in property damage.
For drivers with a DUI, we added a single drunken-driving violation.
For drivers with a ticket, we added a single speeding violation for driving 16 mph over the speed limit.
We used a 2023 Toyota Camry LE in all cases and assumed 12,000 annual miles driven. We analyzed rates for 35-year-old drivers.
These are rates generated through Quadrant Information Services. Your own rates will be different.
Young drivers methodology
In May 2026 we found the cost of adding a newly licensed driver to an existing full coverage policy. Our base profile assumes two existing policyholders — a 50-year-old male driver and 45-year-old female driver — sharing one policy.
We showed the cost effect of adding a 20-year-old driver to this policy, to stay consistent with our 20-year-old young driver profile that is covered by a standalone policy. The 20-year-old shares a 2023 Toyota Camry with the family, and the new driver uses the vehicle 20% of the time.
