Cheap Auto Insurance in Michigan – August 2022

Secura is the cheapest auto insurance company overall in Michigan, with an average rate of $82 per month for full coverage.
Aug 1, 2022

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Auto insurance is an important purchase, but finding cheap car insurance in Michigan isn’t always easy. That’s why it’s important to compare rates from multiple insurers.

The average cost of full coverage car insurance in Michigan is $2,125 per year, or about $177 per month, according to NerdWallet’s analysis. Minimum coverage in Michigan is $913 per year on average, but we found you can likely get a cheaper policy. For example, Travelers offers the cheapest rates in Michigan at $106 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.

Why you can trust NerdWallet: 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 the country 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.

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Cheapest car insurance company overall in Michigan

Secura

$82/month

Not yet rated.

Cheapest for minimum coverage

$9/month

5.0

NerdWallet rating 

Cheapest for young drivers

Secura

$169/month

Not yet rated.

How we chose the cheapest companies in Michigan

NerdWallet’s editorial team analyzed car insurance rates from 22 auto insurers in Michigan and found the five cheapest options for drivers in several age brackets and with different histories, all driving a 2019 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.

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: $2,031 per year, or about $169 per month.

  2. Geico: $2,055 per year, or about $171 per month.

  3. Chubb: $2,569 per year, or about $214 per month.

  4. Wolverine Mutual: $2,891 per year, or about $241 per month.

  5. Progressive: $3,289 per year, or about $274 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: $459 per year, or about $38 per month.

  3. Wolverine Mutual: $606 per year, or about $50 per month.

  4. Chubb: $680 per year, or about $57 per month.

  5. Westfield: $708 per year, or about $59 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: $529 per year, or about $44 per month.

  2. Chubb: $680 per year, or about $57 per month.

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

  4. Wolverine Mutual: $813 per year, or about $68 per month.

  5. Westfield: $903 per year, or about $75 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: $459 per year, or about $38 per month.

  2. Chubb: $680 per year, or about $57 per month.

  3. Wolverine Mutual: $1,285 per year, or about $107 per month.

  4. Westfield: $1,540 per year, or about $128 per month.

  5. Progressive: $1,578 per year, or about $132 per month.

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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 with clean driving records may get the lowest rates from these companies:

  1. Secura: $1,046 per year, or about $87 per month.

  2. Geico: $1,166 per year, or about $97 per month.

  3. Wolverine Mutual: $1,173 per year, or about $98 per month.

  4. Chubb: $1,636 per year, or about $136 per month.

  5. MetLife: $1,692 per year, or about $141 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: $106 per year, or about $9 per month.

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

  3. Wolverine Mutual: $226 per year, or about $19 per month.

  4. Westfield: $395 per year, or about $33 per month.

  5. Chubb: $423 per year, or about $35 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. Wolverine Mutual: $1,483 per year, or about $124 per month.

  2. Secura: $1,596 per year, or about $133 per month.

  3. Chubb: $1,636 per year, or about $136 per month.

  4. Meemic: $2,469 per year, or about $206 per month.

  5. Progressive: $2,511 per year, or about $209 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: $1,636 per year, or about $136 per month.

  2. Progressive: $2,066 per year, or about $172 per month.

  3. Wolverine Mutual: $2,954 per year, or about $246 per month.

  4. Farmers: $3,116 per year, or about $260 per month.

  5. Travelers: $3,506 per year, or about $292 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: $971 per year, or about $81 per month.

  2. Wolverine Mutual: $1,023 per year, or about $85 per month.

  3. Geico: $1,173 per year, or about $98 per month.

  4. Hastings Mutual: $1,497 per year, or about $125 per month.

  5. Chubb: $1,583 per year, or about $132 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: $106 per year, or about $9 per month.

  2. Secura: $172 per year, or about $14 per month.

  3. Wolverine Mutual: $222 per year, or about $18 per month.

  4. Westfield: $391 per year, or about $33 per month.

  5. Chubb: $405 per year, or about $34 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. Wolverine Mutual: $1,284 per year, or about $107 per month.

  2. Secura: $1,466 per year, or about $122 per month.

  3. Chubb: $1,583 per year, or about $132 per month.

  4. Progressive: $2,429 per year, or about $202 per month.

  5. Meemic: $2,495 per year, or about $208 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: $1,583 per year, or about $132 per month.

  2. Progressive: $1,993 per year, or about $166 per month.

  3. Wolverine Mutual: $2,538 per year, or about $212 per month.

  4. Farmers: $3,161 per year, or about $263 per month.

  5. Travelers: $3,506 per year, or about $292 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. Wolverine Mutual: $819 per year, or about $68 per month.

  2. Secura: $948 per year, or about $79 per month.

  3. Geico: $1,143 per year, or about $95 per month.

  4. Hastings Mutual: $1,238 per year, or about $103 per month.

  5. Chubb: $1,521 per year, or about $127 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: $92 per year, or about $8 per month.

  2. Wolverine Mutual: $162 per year, or about $14 per month.

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

  4. Chubb: $384 per year, or about $32 per month.

  5. Westfield: $420 per year, or about $35 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. Wolverine Mutual: $1,018 per year, or about $85 per month.

  2. Secura: $1,432 per year, or about $119 per month.

  3. Chubb: $1,521 per year, or about $127 per month.

  4. Progressive: $2,274 per year, or about $190 per month.

  5. Hastings Mutual: $2,324 per year, or about $194 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: $1,521 per year, or about $127 per month.

  2. Progressive: $1,845 per year, or about $154 per month.

  3. Wolverine Mutual: $1,890 per year, or about $158 per month.

  4. Travelers: $2,941 per year, or about $245 per month.

  5. Farmers: $3,177 per year, or about $265 per month.

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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. Wolverine Mutual: $819 per year, or about $68 per month.

  2. Secura: $947 per year, or about $79 per month.

  3. Hastings Mutual: $1,164 per year, or about $97 per month.

  4. Geico: $1,169 per year, or about $97 per month.

  5. MetLife: $1,170 per year, or about $98 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: $94 per year, or about $8 per month.

  2. Wolverine Mutual: $162 per year, or about $14 per month.

  3. Secura: $178 per year, or about $15 per month.

  4. MetLife: $220 per year, or about $18 per month.

  5. Chubb: $353 per year, or about $29 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. Wolverine Mutual: $1,018 per year, or about $85 per month.

  2. Chubb: $1,371 per year, or about $114 per month.

  3. Secura: $1,440 per year, or about $120 per month.

  4. Frankenmuth: $2,134 per year, or about $178 per month.

  5. Hastings Mutual: $2,161 per year, or about $180 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: $1,371 per year, or about $114 per month.

  2. Progressive: $1,774 per year, or about $148 per month.

  3. Wolverine Mutual: $1,890 per year, or about $158 per month.

  4. MetLife: $2,740 per year, or about $228 per month.

  5. Travelers: $2,946 per year, or about $246 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 14 of the 24 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 2019 Toyota Camry L for all drivers and assumed 12,000 annual miles driven.

We analyzed rates for drivers 20 to 60 years old in ten-year increments.

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.

We looked at 35-year-old drivers to find the cheapest company overall and the cheapest company for minimum coverage. We looked at 20-year-old drivers to find the cheapest company for young drivers.

These are rates generated through Quadrant Information Services. Your own rates will be different.

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