The Cheapest Car Insurance in Michigan for June 2024

Geico offers the cheapest car insurance in Michigan, with an average annual rate of $1,172 for full coverage.
Ben Moore
By Ben Moore  
Updated
Edited by Lacie Glover  

Many or all of the products featured here are from our partners who compensate us. This influences which products we write about and where and how the product appears on a page. However, this does not influence our evaluations. Our opinions are our own. Here is a list of our partners and here's how we make money.

Table of Contents

Table of Contents

Auto insurance is an important purchase, but finding cheap car insurance in Michigan isn’t always easy.

The cheapest car insurance company in Michigan is Geico at $1,140 per year on average, or $95 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 $2,343 per year, or about $195 per month.

🤓Nerdy Tip

Did your rates go up? Auto insurance prices are on the rise in Michigan. Be sure to get car insurance quotes from three or more companies to find the lowest rate possible.

Minimum coverage in Michigan is $602 per year on average, but we found you can likely get a cheaper policy. For example, Wolverine Mutual offers the cheapest rates in Michigan at $204 per year, on average, for minimum coverage car insurance for a 35-year-old driver with a clean driving record.

*Secura car insurance policies are available only if bundled with homeowners or renters insurance. Read NerdWallet's guide to the best auto and home insurance bundles to learn more about bundled policies.

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

Car with shield on road

See what you could save on car insurance

Easily compare personalized rates to see how much switching car insurance could save you.
GET MY RATES
on NerdWallet

How we chose the cheapest companies in Michigan

NNerdWallet’s editorial team analyzed car insurance rates from 21 auto insurers in Michigan and listed the five cheapest options for drivers in several age brackets and with different histories, all driving a 2021 Toyota Camry LE. 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.

Cheap car insurance in Michigan for 20-year-olds

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. Geico: $2,213 per year, or about $184 per month.
  2. Auto-Owners: $2,651 per year, or about $221 per month.
  3. Michigan Farm Bureau: $3,165 per year, or about $264 per month.
  4. Hastings Mutual: $3,300 per year, or about $275 per month.
  5. Progressive: $3,643 per year, or about $304 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. Auto-Owners: $528 per year, or about $44 per month.
  2. Wolverine Mutual: $592 per year, or about $49 per month.
  3. Fremont: $696 per year, or about $58 per month.
  4. Geico: $752 per year, or about $63 per month.
  5. Meemic: $762 per year, or about $64 per month.

Cheapest auto insurance in Michigan for 20-year-olds with poor credit

Drivers with poor credit in Michigan should look at the following insurers with the lowest average rates for minimum coverage:

  1. Fremont: $1,059 per year, or about $88 per month.
  2. Wolverine Mutual: $1,106 per year, or about $92 per month.
  3. Auto-Owners: $1,191 per year, or about $99 per month.
  4. Geico: $1,214 per year, or about $101 per month.
  5. Meemic: $1,558 per year, or about $130 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. Wolverine Mutual: $730 per year, or about $61 per month.
  2. Auto-Owners: $848 per year, or about $71 per month.
  3. Meemic: $992 per year, or about $83 per month.
  4. Westfield: $1,027 per year, or about $86 per month.
  5. Progressive: $1,121 per year, or about $93 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. Auto-Owners: $632 per year, or about $53 per month.
  2. Wolverine Mutual: $784 per year, or about $65 per month.
  3. Fremont: $952 per year, or about $79 per month.
  4. Westfield: $956 per year, or about $80 per month.
  5. Meemic: $958 per year, or about $80 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. Progressive: $1,108 per year, or about $92 per month.
  2. Wolverine Mutual: $1,228 per year, or about $102 per month.
  3. Auto-Owners: $1,307 per year, or about $109 per month.
  4. Meemic: $1,312 per year, or about $109 per month.
  5. Westfield: $1,576 per year, or about $131 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. Geico: $1,140 per year, or about $95 per month.
  2. Hastings Mutual: $1,188 per year, or about $99 per month.
  3. Wolverine Mutual: $1,582 per year, or about $132 per month.
  4. Auto-Owners: $1,783 per year, or about $149 per month.
  5. Fremont: $1,786 per year, or about $149 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. Wolverine Mutual: $232 per year, or about $19 per month.
  2. Fremont: $375 per year, or about $31 per month.
  3. Auto-Owners: $378 per year, or about $32 per month.
  4. Meemic: $418 per year, or about $35 per month.
  5. Westfield: $444 per year, or about $37 per month.

Cheapest auto insurance in Michigan for 30-year-olds with poor credit

Drivers with poor credit in Michigan should consider the following companies with the lowest average rates for full coverage:

  1. Geico: $1,874 per year, or about $156 per month.
  2. Hastings Mutual: $1,890 per year, or about $158 per month.
  3. Fremont: $2,939 per year, or about $245 per month.
  4. Wolverine Mutual: $2,954 per year, or about $246 per month.
  5. Chubb: $3,279 per year, or about $273 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. Wolverine Mutual: $280 per year, or about $23 per month.
  2. Farmers: $565 per year, or about $47 per month.
  3. Fremont: $571 per year, or about $48 per month.
  4. Auto-Owners: $576 per year, or about $48 per month.
  5. Westfield: $591 per year, or about $49 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: $2,000 per year, or about $167 per month.
  2. Auto-Owners: $2,076 per year, or about $173 per month.
  3. Hastings Mutual: $2,216 per year, or about $185 per month.
  4. Progressive: $2,378 per year, or about $198 per month.
  5. Fremont: $2,415 per year, or about $201 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. Progressive: $2,558 per year, or about $213 per month.
  2. Auto-Owners: $3,926 per year, or about $327 per month.
  3. Bristol West: $3,939 per year, or about $328 per month.
  4. Wolverine Mutual: $3,984 per year, or about $332 per month.
  5. Pioneer State: $4,408 per year, or about $367 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. Hastings Mutual: $1,068 per year, or about $89 per month.
  2. Geico: $1,140 per year, or about $95 per month.
  3. Wolverine Mutual: $1,276 per year, or about $106 per month.
  4. Fremont: $1,657 per year, or about $138 per month.
  5. Auto-Owners: $1,815 per year, or about $151 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. Wolverine Mutual: $198 per year, or about $17 per month.
  2. Fremont: $353 per year, or about $29 per month.
  3. Auto-Owners: $407 per year, or about $34 per month.
  4. Meemic: $432 per year, or about $36 per month.
  5. Westfield: $439 per year, or about $37 per month.

Cheapest auto insurance in Michigan for 40-year-olds with poor credit

Drivers with poor credit in Michigan can check out the following insurers with the lowest average rates for full coverage:

  1. Hastings Mutual: $1,692 per year, or about $141 per month.
  2. Geico: $1,874 per year, or about $156 per month.
  3. Wolverine Mutual: $2,354 per year, or about $196 per month.
  4. Fremont: $2,718 per year, or about $227 per month.
  5. Chubb: $3,226 per year, or about $269 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. Wolverine Mutual: $234 per year, or about $20 per month.
  2. Fremont: $534 per year, or about $45 per month.
  3. Farmers: $565 per year, or about $47 per month.
  4. Westfield: $585 per year, or about $49 per month.
  5. Auto-Owners: $613 per year, or about $51 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: $1,588 per year, or about $132 per month.
  2. Hastings Mutual: $2,096 per year, or about $175 per month.
  3. Auto-Owners: $2,103 per year, or about $175 per month.
  4. Fremont: $2,235 per year, or about $186 per month.
  5. Progressive: $2,236 per year, or about $186 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. Progressive: $2,421 per year, or about $202 per month.
  2. Wolverine Mutual: $3,380 per year, or about $282 per month.
  3. Auto-Owners: $3,977 per year, or about $331 per month.
  4. Bristol West: $4,027 per year, or about $336 per month.
  5. Pioneer State: $4,147 per year, or about $346 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: $1,086 per year, or about $91 per month.
  2. Hastings Mutual: $1,086 per year, or about $91 per month.
  3. Geico: $1,184 per year, or about $99 per month.
  4. Fremont: $1,402 per year, or about $117 per month.
  5. Auto-Owners: $1,770 per year, or about $148 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. Wolverine Mutual: $178 per year, or about $15 per month.
  2. Fremont: $311 per year, or about $26 per month.
  3. Auto-Owners: $435 per year, or about $36 per month.
  4. Meemic: $440 per year, or about $37 per month.
  5. Westfield: $466 per year, or about $39 per month.

Cheapest auto insurance in Michigan for 50-year-olds with poor credit

Drivers with poor credit in Michigan can check with the following companies, which showed the lowest average rates for full coverage:

  1. Hastings Mutual: $1,714 per year, or about $143 per month.
  2. Geico: $1,949 per year, or about $162 per month.
  3. Wolverine Mutual: $1,972 per year, or about $164 per month.
  4. Fremont: $2,277 per year, or about $190 per month.
  5. Progressive: $3,055 per year, or about $255 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. Wolverine Mutual: $207 per year, or about $17 per month.
  2. Fremont: $459 per year, or about $38 per month.
  3. Farmers: $565 per year, or about $47 per month.
  4. Westfield: $622 per year, or about $52 per month.
  5. Chubb: $651 per year, or about $54 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: $1,352 per year, or about $113 per month.
  2. Fremont: $1,878 per year, or about $157 per month.
  3. Progressive: $2,051 per year, or about $171 per month.
  4. Auto-Owners: $2,059 per year, or about $172 per month.
  5. Hastings Mutual: $2,108 per year, or about $176 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. Progressive: $2,253 per year, or about $188 per month.
  2. Wolverine Mutual: $2,524 per year, or about $210 per month.
  3. Bristol West: $3,902 per year, or about $325 per month.
  4. Auto-Owners: $3,929 per year, or about $327 per month.
  5. Pioneer State: $4,045 per year, or about $337 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. Hastings Mutual: $1,074 per year, or about $90 per month.
  2. Wolverine Mutual: $1,086 per year, or about $91 per month.
  3. Geico: $1,223 per year, or about $102 per month.
  4. Fremont: $1,447 per year, or about $121 per month.
  5. Farmers: $1,457 per year, or about $121 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. Wolverine Mutual: $178 per year, or about $15 per month.
  2. Farmers: $195 per year, or about $16 per month.
  3. Fremont: $320 per year, or about $27 per month.
  4. Auto-Owners: $446 per year, or about $37 per month.
  5. Pioneer State: $460 per year, or about $38 per month.

Cheapest auto insurance in Michigan for 60-year-olds with poor credit

Drivers with poor credit in Michigan can look at the following companies with the lowest average rates for full coverage:

  1. Hastings Mutual: $1,700 per year, or about $142 per month.
  2. Wolverine Mutual: $1,972 per year, or about $164 per month.
  3. Geico: $2,014 per year, or about $168 per month.
  4. Fremont: $2,355 per year, or about $196 per month.
  5. Progressive: $2,873 per year, or about $239 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. Wolverine Mutual: $208 per year, or about $17 per month.
  2. Farmers: $253 per year, or about $21 per month.
  3. Fremont: $472 per year, or about $39 per month.
  4. Westfield: $623 per year, or about $52 per month.
  5. Chubb: $634 per year, or about $53 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: $1,352 per year, or about $113 per month.
  2. Fremont: $1,943 per year, or about $162 per month.
  3. Auto-Owners: $1,953 per year, or about $163 per month.
  4. Progressive: $1,959 per year, or about $163 per month.
  5. Hastings Mutual: $2,006 per year, or about $167 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. Progressive: $2,153 per year, or about $179 per month.
  2. Wolverine Mutual: $2,524 per year, or about $210 per month.
  3. Farmers: $3,565 per year, or about $297 per month.
  4. Pioneer State: $3,706 per year, or about $309 per month.
  5. Bristol West: $3,766 per year, or about $314 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. Hastings Mutual: $1,234 per year, or about $103 per month.
  2. Wolverine Mutual: $1,314 per year, or about $110 per month.
  3. Fremont: $1,523 per year, or about $127 per month.
  4. Progressive: $1,761 per year, or about $147 per month.
  5. Auto-Owners: $1,769 per year, or about $147 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. Wolverine Mutual: $210 per year, or about $18 per month.
  2. Farmers: $305 per year, or about $25 per month.
  3. Fremont: $331 per year, or about $28 per month.
  4. Westfield: $491 per year, or about $41 per month.
  5. Pioneer State: $504 per year, or about $42 per month.

Cheapest auto insurance in Michigan for 70-year-olds with poor credit

Drivers with poor credit in Michigan can look at the following companies with the lowest average rates for full coverage:

  1. Hastings Mutual: $1,970 per year, or about $164 per month.
  2. Wolverine Mutual: $2,432 per year, or about $203 per month.
  3. Fremont: $2,487 per year, or about $207 per month.
  4. Progressive: $3,026 per year, or about $252 per month.
  5. Chubb: $3,098 per year, or about $258 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. Wolverine Mutual: $248 per year, or about $21 per month.
  2. Farmers: $387 per year, or about $32 per month.
  3. Fremont: $495 per year, or about $41 per month.
  4. Chubb: $624 per year, or about $52 per month.
  5. Westfield: $655 per year, or about $55 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. Wolverine Mutual: $1,652 per year, or about $138 per month.
  2. Progressive: $2,034 per year, or about $169 per month.
  3. Fremont: $2,050 per year, or about $171 per month.
  4. Auto-Owners: $2,064 per year, or about $172 per month.
  5. Hastings Mutual: $2,170 per year, or about $181 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. Progressive: $2,326 per year, or about $194 per month.
  2. Pioneer State: $3,742 per year, or about $312 per month.
  3. Auto-Owners: $4,101 per year, or about $342 per month.
  4. Wolverine Mutual: $4,130 per year, or about $344 per month.
  5. Farmers: $4,439 per year, or about $370 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 five auto insurance options for 70 of the 70 driver profiles we examined.

» MORE: Best car insurance for veterans and military

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 good credit and 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 2021 Toyota Camry LE 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.

  • We changed the credit tier from “good” to “poor” as reported to the insurer to see rates for drivers with poor credit.

  • 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, the cheapest company for minimum coverage and the cheapest company for drivers with poor credit in states where credit history is used to price rates. 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. Some insurance companies included in this article may have made changes in their underwriting practices and no longer issue new policies in your state.

On a similar note...

Free car insurance comparison

Instantly compare top auto insurance companies.

Get started

Get more smart money moves – straight to your inbox
Sign up and we’ll send you Nerdy articles about the money topics that matter most to you along with other ways to help you get more from your money.
Sign up