The Cheapest Car Insurance in Michigan for April 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  

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Table of Contents

Table of Contents

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

🤓Nerdy Tip

Did your rates go up? Car insurance rates are on the rise in Michigan. Be sure to get quotes from three or more companies to get the lowest rate you can.

The cheapest car insurance company in Michigan is Geico* at $1,172 per year on average, or $98 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 $2,496 per year, or about $208 per month.

Minimum coverage in Michigan is $626 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 $248 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.

*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.

How we chose the cheapest companies in Michigan

NNerdWallet’s editorial team analyzed car insurance rates from 22 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.

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. Auto Club Group: $7,767 per year, or about $647 per month.
  2. Michigan Farm Bureau: $3,482 per year, or about $290 per month.
  3. Auto-Owners: $2,996 per year, or about $250 per month.
  4. Bristol West: $6,130 per year, or about $511 per month.
  5. Chubb: $4,465 per year, or about $372 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 Club Group: $2,941 per year, or about $245 per month.
  2. Michigan Farm Bureau: $1,187 per year, or about $99 per month.
  3. Auto-Owners: $606 per year, or about $51 per month.
  4. Bristol West: $2,531 per year, or about $211 per month.
  5. Chubb: $1,189 per year, or about $99 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. Auto Club Group: $7,496 per year, or about $625 per month.
  2. Michigan Farm Bureau: $3,180 per year, or about $265 per month.
  3. Auto-Owners: $1,385 per year, or about $115 per month.
  4. Bristol West: $4,462 per year, or about $372 per month.
  5. Chubb: $1,688 per year, or about $141 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. Auto Club Group: $5,192 per year, or about $433 per month.
  2. Michigan Farm Bureau: $1,982 per year, or about $165 per month.
  3. Auto-Owners: $982 per year, or about $82 per month.
  4. Bristol West: $3,098 per year, or about $258 per month.
  5. Chubb: $1,347 per year, or about $112 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 Club Group: $4,842 per year, or about $403 per month.
  2. Michigan Farm Bureau: $1,370 per year, or about $114 per month.
  3. Auto-Owners: $728 per year, or about $61 per month.
  4. Bristol West: $3,248 per year, or about $271 per month.
  5. Chubb: $1,688 per year, or about $141 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. Auto Club Group: $7,393 per year, or about $616 per month.
  2. Michigan Farm Bureau: $3,277 per year, or about $273 per month.
  3. Auto-Owners: $1,522 per year, or about $127 per month.
  4. Bristol West: $2,754 per year, or about $230 per month.
  5. Chubb: $2,883 per year, or about $240 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. Auto Club Group: $3,991 per year, or about $333 per month.
  2. Michigan Farm Bureau: $2,448 per year, or about $204 per month.
  3. Auto-Owners: $2,004 per year, or about $167 per month.
  4. Bristol West: $4,362 per year, or about $364 per month.
  5. Chubb: $2,448 per year, or about $204 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. Auto Club Group: $1,712 per year, or about $143 per month.
  2. Michigan Farm Bureau: $835 per year, or about $70 per month.
  3. Auto-Owners: $432 per year, or about $36 per month.
  4. Bristol West: $1,908 per year, or about $159 per month.
  5. Chubb: $642 per year, or about $54 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. Auto Club Group: $8,846 per year, or about $737 per month.
  2. Michigan Farm Bureau: $6,352 per year, or about $529 per month.
  3. Auto-Owners: $4,878 per year, or about $407 per month.
  4. Bristol West: $7,233 per year, or about $603 per month.
  5. Chubb: $3,483 per year, or about $290 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. Auto Club Group: $3,537 per year, or about $295 per month.
  2. Michigan Farm Bureau: $1,384 per year, or about $115 per month.
  3. Auto-Owners: $666 per year, or about $56 per month.
  4. Bristol West: $2,494 per year, or about $208 per month.
  5. Chubb: $718 per year, or about $60 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. Auto Club Group: $6,904 per year, or about $575 per month.
  2. Michigan Farm Bureau: $2,821 per year, or about $235 per month.
  3. Auto-Owners: $2,334 per year, or about $195 per month.
  4. Bristol West: $6,033 per year, or about $503 per month.
  5. Chubb: $3,337 per year, or about $278 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. Auto Club Group: $10,504 per year, or about $875 per month.
  2. Michigan Farm Bureau: $5,701 per year, or about $475 per month.
  3. Auto-Owners: $4,495 per year, or about $375 per month.
  4. Bristol West: $5,101 per year, or about $425 per month.
  5. Chubb: $6,193 per year, or about $516 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. Auto Club Group: $4,016 per year, or about $335 per month.
  2. Michigan Farm Bureau: $2,322 per year, or about $194 per month.
  3. Auto-Owners: $2,040 per year, or about $170 per month.
  4. Bristol West: $4,460 per year, or about $372 per month.
  5. Chubb: $2,353 per year, or about $196 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. Auto Club Group: $1,800 per year, or about $150 per month.
  2. Michigan Farm Bureau: $792 per year, or about $66 per month.
  3. Auto-Owners: $466 per year, or about $39 per month.
  4. Bristol West: $2,081 per year, or about $173 per month.
  5. Chubb: $610 per year, or about $51 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. Auto Club Group: $9,107 per year, or about $759 per month.
  2. Michigan Farm Bureau: $6,013 per year, or about $501 per month.
  3. Auto-Owners: $4,977 per year, or about $415 per month.
  4. Bristol West: $7,583 per year, or about $632 per month.
  5. Chubb: $3,329 per year, or about $277 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. Auto Club Group: $3,561 per year, or about $297 per month.
  2. Michigan Farm Bureau: $1,311 per year, or about $109 per month.
  3. Auto-Owners: $710 per year, or about $59 per month.
  4. Bristol West: $2,675 per year, or about $223 per month.
  5. Chubb: $681 per year, or about $57 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. Auto Club Group: $6,940 per year, or about $578 per month.
  2. Michigan Farm Bureau: $2,676 per year, or about $223 per month.
  3. Auto-Owners: $2,365 per year, or about $197 per month.
  4. Bristol West: $6,113 per year, or about $509 per month.
  5. Chubb: $3,192 per year, or about $266 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. Auto Club Group: $10,530 per year, or about $877 per month.
  2. Michigan Farm Bureau: $5,396 per year, or about $450 per month.
  3. Auto-Owners: $4,574 per year, or about $381 per month.
  4. Bristol West: $5,229 per year, or about $436 per month.
  5. Chubb: $5,905 per year, or about $492 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. Auto Club Group: $3,864 per year, or about $322 per month.
  2. Michigan Farm Bureau: $2,155 per year, or about $180 per month.
  3. Auto-Owners: $1,994 per year, or about $166 per month.
  4. Bristol West: $4,308 per year, or about $359 per month.
  5. Chubb: $2,247 per year, or about $187 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. Auto Club Group: $1,791 per year, or about $149 per month.
  2. Michigan Farm Bureau: $735 per year, or about $61 per month.
  3. Auto-Owners: $500 per year, or about $42 per month.
  4. Bristol West: $2,001 per year, or about $167 per month.
  5. Chubb: $579 per year, or about $48 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. Auto Club Group: $8,867 per year, or about $739 per month.
  2. Michigan Farm Bureau: $5,569 per year, or about $464 per month.
  3. Auto-Owners: $4,855 per year, or about $405 per month.
  4. Bristol West: $7,285 per year, or about $607 per month.
  5. Chubb: $3,172 per year, or about $264 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. Auto Club Group: $3,358 per year, or about $280 per month.
  2. Michigan Farm Bureau: $1,215 per year, or about $101 per month.
  3. Auto-Owners: $784 per year, or about $65 per month.
  4. Bristol West: $2,590 per year, or about $216 per month.
  5. Chubb: $644 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. Auto Club Group: $6,710 per year, or about $559 per month.
  2. Michigan Farm Bureau: $2,481 per year, or about $207 per month.
  3. Auto-Owners: $2,323 per year, or about $194 per month.
  4. Bristol West: $6,075 per year, or about $506 per month.
  5. Chubb: $3,040 per year, or about $253 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. Auto Club Group: $10,429 per year, or about $869 per month.
  2. Michigan Farm Bureau: $4,991 per year, or about $416 per month.
  3. Auto-Owners: $4,521 per year, or about $377 per month.
  4. Bristol West: $5,073 per year, or about $423 per month.
  5. Chubb: $5,607 per year, or about $467 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. Auto Club Group: $3,664 per year, or about $305 per month.
  2. Michigan Farm Bureau: $2,108 per year, or about $176 per month.
  3. Auto-Owners: $1,899 per year, or about $158 per month.
  4. Bristol West: $4,133 per year, or about $344 per month.
  5. Chubb: $1,981 per year, or about $165 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. Auto Club Group: $1,735 per year, or about $145 per month.
  2. Michigan Farm Bureau: $732 per year, or about $61 per month.
  3. Auto-Owners: $513 per year, or about $43 per month.
  4. Bristol West: $1,904 per year, or about $159 per month.
  5. Chubb: $532 per year, or about $44 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. Auto Club Group: $8,451 per year, or about $704 per month.
  2. Michigan Farm Bureau: $5,613 per year, or about $468 per month.
  3. Auto-Owners: $4,596 per year, or about $383 per month.
  4. Bristol West: $6,941 per year, or about $578 per month.
  5. Chubb: $2,776 per year, or about $231 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. Auto Club Group: $3,325 per year, or about $277 per month.
  2. Michigan Farm Bureau: $1,208 per year, or about $101 per month.
  3. Auto-Owners: $802 per year, or about $67 per month.
  4. Bristol West: $2,494 per year, or about $208 per month.
  5. Chubb: $591 per year, or about $49 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. Auto Club Group: $6,430 per year, or about $536 per month.
  2. Michigan Farm Bureau: $2,427 per year, or about $202 per month.
  3. Auto-Owners: $2,212 per year, or about $184 per month.
  4. Bristol West: $5,898 per year, or about $492 per month.
  5. Chubb: $2,663 per year, or about $222 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. Auto Club Group: $10,368 per year, or about $864 per month.
  2. Michigan Farm Bureau: $4,888 per year, or about $407 per month.
  3. Auto-Owners: $4,337 per year, or about $361 per month.
  4. Bristol West: $4,883 per year, or about $407 per month.
  5. Chubb: $4,864 per year, or about $405 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. Auto Club Group: $3,919 per year, or about $327 per month.
  2. Michigan Farm Bureau: $2,184 per year, or about $182 per month.
  3. Auto-Owners: $2,013 per year, or about $168 per month.
  4. Bristol West: $5,058 per year, or about $421 per month.
  5. Chubb: $2,037 per year, or about $170 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. Auto Club Group: $1,917 per year, or about $160 per month.
  2. Michigan Farm Bureau: $774 per year, or about $65 per month.
  3. Auto-Owners: $589 per year, or about $49 per month.
  4. Bristol West: $2,318 per year, or about $193 per month.
  5. Chubb: $548 per year, or about $46 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. Auto Club Group: $9,198 per year, or about $766 per month.
  2. Michigan Farm Bureau: $5,981 per year, or about $498 per month.
  3. Auto-Owners: $4,842 per year, or about $404 per month.
  4. Bristol West: $9,031 per year, or about $753 per month.
  5. Chubb: $2,852 per year, or about $238 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. Auto Club Group: $3,621 per year, or about $302 per month.
  2. Michigan Farm Bureau: $1,279 per year, or about $107 per month.
  3. Auto-Owners: $940 per year, or about $78 per month.
  4. Bristol West: $3,425 per year, or about $285 per month.
  5. Chubb: $610 per year, or about $51 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. Auto Club Group: $6,983 per year, or about $582 per month.
  2. Michigan Farm Bureau: $2,515 per year, or about $210 per month.
  3. Auto-Owners: $2,350 per year, or about $196 per month.
  4. Bristol West: $7,666 per year, or about $639 per month.
  5. Chubb: $2,738 per year, or about $228 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. Auto Club Group: $11,461 per year, or about $955 per month.
  2. Michigan Farm Bureau: $5,082 per year, or about $424 per month.
  3. Auto-Owners: $4,734 per year, or about $395 per month.
  4. Bristol West: $6,134 per year, or about $511 per month.
  5. Chubb: $5,004 per year, or about $417 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 63 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.

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