Advertiser Disclosure

Best Cheap Car Insurance in Michigan for 2020

Jan. 2, 2020
Auto Insurance, Insurance
At NerdWallet, we strive to help you make financial decisions with confidence. To do this, many or all of the products featured here are from our partners. However, this doesn’t influence our evaluations. Our opinions are our own.

Finding cheap car insurance in Michigan can be challenging. The state has the second-highest insurance rates in the nation, on average, according to NerdWallet analysis. Because costs vary depending on the company, however, shopping around can help you avoid the priciest rates.

Compare auto insurance policies instantly

Please enter a valid zip code
powered by

To help Michigan drivers save as much as possible, we collected quotes from the 13 largest insurers in the state and found the five cheapest options for several driver types.

Cheapest for good drivers in Michigan

For Michiganders with good credit and a clean driving record, the cheapest companies and their average rates are:

  1. Geico: $1,206 per year.
  2. Pioneer State: $1,596 per year.
  3. Meemic: $1,708 per year.
  4. Auto Club Group: $1,929 per year.
  5. Frankenmuth: $1,943 per year.
Drivers with no recent accidents or violations can get cheaper car insurance rates for having good credit. For this calculation, NerdWallet averaged rates for 40-year-old men and women with a clean driving record and good credit. In terms of driving and credit history, a large portion of drivers are closest to this profile, which carries standard "full coverage" insurance, including comprehensive and collision, along with state-required coverage. Prices shown include a good driver discount, when available from the insurer.

Cheapest for minimum coverage in Michigan

In the bare-bones insurance category, these are the cheapest companies and their average rates for Michigan drivers:

  1. Geico: $677 per year.
  2. Pioneer State: $739 per year.
  3. Frankenmuth: $887 per year.
  4. Meemic: $909 per year.
  5. Auto Owners: $958 per year.
We calculated these numbers by averaging rates for 40-year-old good drivers (earning them a discount if the insurer offers one) who have only the minimum mandatory insurance in their state. Such light coverage isn't typically recommended, since it might not cover all the bills resulting from a car accident, but it's better than nothing — especially if you can't afford much more. If you're looking for the cheapest possible insurance you can get, though, you'll still want to get quotes from at least three auto insurers.

Cheapest for good drivers with poor credit

The cheapest carriers we found for Michigan drivers with poor credit and a clean driving record, ranked by their average rates, are:

  1. Geico: $1,896 per year.
  2. Pioneer State: $2,319 per year.
  3. Meemic: $2,863 per year.
  4. Auto Owners: $3,374 per year.
  5. Esurance: $4,034 per year.
If you have a spotty credit history, it's important to shop around to find the cheapest auto insurance rates you can. Poor credit can have a bigger effect on car insurance premiums than even a DUI conviction or a recent at-fault crash, but prices vary by insurer. To calculate these figures, NerdWallet averaged rates for 40-year-olds with a clean driving record and associated good driver discount, if the insurer offered one. They had poor credit as reported to their insurer, and standard "full coverage" car insurance.

Cheapest for drivers with one at-fault crash

Michigan drivers with a recent at-fault accident may want to check out these companies, which showed the cheapest average rates:

  1. Pioneer State: $1,718 per year.
  2. Meemic: $2,309 per year.
  3. Geico: $2,345 per year.
  4. Frankenmuth: $2,457 per year.
  5. State Farm: $2,886 per year.
After a relatively minor crash, some auto insurers will charge a lot more than others for coverage. To get these figures, we averaged rates for 40-year-olds with typical "full coverage" insurance and one recent at-fault crash costing $10,000 in property damage. Your rates will remain high for three to five years after you cause an accident or have a moving violation. If you fall into this category, be sure to shop for new insurance rates just after the three-year and five-year anniversaries of your infraction.

Cheapest insurance after a DUI in Michigan

For Michigan drivers with a recent DUI on their record, the cheapest insurers and their average rates are:

  1. Pioneer State: $1,596 per year.
  2. Progressive: $2,599 per year.
  3. Esurance: $3,101 per year.
  4. Meemic: $3,706 per year.
  5. Auto Owners: $4,609 per year.
A conviction for driving under the influence, or DUI, generally results in higher auto insurance premiums than before. NerdWallet analyzed rates for 40-year-old drivers and standard “full coverage” car insurance with a recent DUI conviction to see which companies were cheapest. Rates can vary by hundreds between carriers after a DUI, and some penalize for longer than others, so it’s important to shop around for the best price right after you see a price hike and each year after that.

Cheapest insurance after a ticket in Michigan

The cheapest companies for Michigan drivers with a recent speeding ticket, listed with their average rates, are:

  1. Pioneer State: $1,657 per year.
  2. Geico: $1,786 per year.
  3. Meemic: $2,523 per year.
  4. Frankenmuth: $2,857 per year.
  5. Progressive: $2,880 per year.
Getting a speeding ticket will result in higher car insurance rates from most companies for three to five years. To see who has the cheapest rates, we calculated average car insurance rates for 40-year-old drivers with “full coverage” insurance and a recent ticket for speeding 16 mph over the limit. Though these larger companies were the cheapest we found on average, others may be cheaper for you, so be sure to get at least three quotes before deciding on a carrier.

Cheapest for couples and families in Michigan

The cheapest insurers for families with two or three drivers are often different from the cheapest ones for singles. NerdWallet found that to be the case in Michigan when it comes to prices for couples and families. Companies consider personal factors differently, so it’s a good idea to shop around for car insurance quotes after any big change in your life, such as getting married, moving or adding a teen driver.

Cheapest for a married couple in Michigan

For a husband and wife, both 50 years old, with good credit and clean driving records, the cheapest companies and their average rates in Michigan are:

  1. Geico: $2,189 per year.
  2. Meemic: $2,453 per year.
  3. Esurance: $2,929 per year.
  4. Pioneer State: $2,970 per year.
  5. Frankenmuth: $3,105 per year.
Couples who live together can save on auto insurance by combining policies, whether they are married or not, because they can earn multi-car and multi-driver discounts. Once they tie the knot, rates can dip further, but not because of discounts — insurers see married people as less risky and so charge them lower rates. Our hypothetical 50-year-old couple’s clean driving record also earns them both a good driver discount.

Cheapest for families with a teen in Michigan

For a 50-year-old couple in Michigan with an 18-year-old driver on the policy, these are the cheapest companies and their average rates:

  1. Geico: $3,319 per year.
  2. Meemic: $3,976 per year.
  3. Pioneer State: $4,161 per year.
  4. Auto Club Group: $4,676 per year.
  5. Auto Owners: $4,761 per year.
Taking that same couple and adding a teen with two years’ driving experience is sure to cause a big jump in rates. Since different insurers tend to see a teen’s inexperience in different ways, we analyzed rates to see which companies had the cheapest car insurance for teens. These rates are averaged for 50-year-old couples with male and female 18-year-old drivers across the state.

Cheapest for young drivers in Michigan

Car insurance can be costly for young drivers who have less experience behind the wheel, but each insurer factors age into its rates differently. That’s why the cheapest companies for drivers in their 20s may not match the ones for more experienced drivers. To see which insurers have the lowest prices for young drivers, NerdWallet analyzed rates for 25-year-olds in Michigan.

Cheapest full coverage for young good drivers

A 25-year-old in Michigan with good credit and a clean driving record may want to check out these companies, which had the cheapest average rates for a “full coverage” policy:

  1. Geico: $1,220 per year.
  2. Meemic: $1,795 per year.
  3. Pioneer State: $1,847 per year.
  4. Auto Club Group: $1,993 per year.
  5. Auto Owners: $2,032 per year.
Drivers in their 20s can have a hard time finding cheap car insurance, and that's even truer when they need full coverage. The rates above are averages for 25-year-old male and female drivers all over the state with comprehensive and collision coverages, which are often required for drivers with active auto loans or leases. These rates reflect a good driver discount, but no others. Young drivers, like all drivers, should check several quotes to find the cheapest for the coverage levels they need.

Cheapest minimum coverage for young good drivers

For a young driver with good credit and a clean driving history who wants Michigan’s minimum required auto insurance, the cheapest companies and their average rates are:

  1. Geico: $681 per year.
  2. Pioneer State: $782 per year.
  3. Meemic: $885 per year.
  4. Auto Owners: $891 per year.
  5. Auto Club Group: $941 per year.
Since young people often have fewer assets to protect with liability insurance, they can usually get away with lower coverage limits. For an age group with relatively high insurance rates on average, that's good news, keeping rates as low as possible. For this price set, we averaged rates for 25-year-old male and female drivers living across the state who have clean driving records, good credit and bare-bones insurance coverage.

Poor credit and minimum coverage

These are the cheapest insurance companies and their average rates for a 25-year-old Michigan driver with poor credit, buying minimum required coverage:

  1. Geico: $1,003 per year.
  2. Pioneer State: $1,053 per year.
  3. Auto Owners: $1,349 per year.
  4. Meemic: $1,815 per year.
  5. Frankenmuth: $2,178 per year.
Poor credit is common for younger folks just starting out, who may still be building their credit files. That can increase rates further, so it's extra important to shop around and compare as many insurance quotes as possible to find the cheapest you can get. For these prices, we averaged rates across the state for 25-year-old male and female drivers with no recent accidents or violations (earning them a good driver discount), minimum coverage car insurance, and credit in the "poor" tier as reported to an insurer.

Cheapest for minimum coverage after a crash

For a young driver in Michigan with a recent at-fault accident, the cheapest companies and their average rates for minimum required coverage are:

  1. Pioneer State: $840 per year.
  2. Geico: $978 per year.
  3. Meemic: $1,169 per year.
  4. Auto Owners: $1,308 per year.
  5. Frankenmuth: $1,372 per year.
To get prices for this group, we averaged rates for 25-year-old male and female drivers across the state with good credit and a recent at-fault crash costing $10,000 in property damage. Since car insurance is often pricier after a crash, and especially so for young drivers, we assumed minimum required insurance in the state to contain costs for our hypothetical driver. If you've caused a crash, no matter your age, be sure to check auto insurance quotes just after the third and fifth anniversaries of your incident, when insurers often adjust rates downward.

Cheapest for minimum coverage after a DUI

For 25-year-old Michigan drivers with a recent DUI on their record, these are the cheapest companies and average rates for minimum required coverage:

  1. Pioneer State: $782 per year.
  2. Progressive: $1,402 per year.
  3. Meemic: $1,825 per year.
  4. Esurance: $1,849 per year.
  5. Auto Owners: $2,013 per year.
Young drivers with a recent DUI on their records will need to be diligent to find the lowest car insurance rates they can get — it's likely that many companies' rates will be quite expensive. But spending the time to shop around for quotes can help you find the lowest. For this analysis, we averaged rates for male and female 25-year-old drivers with a recent on-record DUI. They had good credit and minimum required car insurance, which helps keep rates down.

Cheapest for minimum coverage and a ticket

The cheapest companies we found for young Michigan drivers with a recent speeding ticket, ranked by their average rate for minimum required coverage, are:

  1. Pioneer State: $811 per year.
  2. Geico: $831 per year.
  3. Meemic: $1,275 per year.
  4. Auto Owners: $1,347 per year.
  5. Frankenmuth: $1,499 per year.
Getting a speeding ticket is never fun, and neither is the higher car insurance bill you may receive months later. At that point it's time to shop around for better rates, and it wouldn't hurt to repeat on your third and fifth ticket anniversaries, when insurers may adjust rates downward. We analyzed rates for 25-year-old male and female drivers with a recent speeding violation for going 16 mph over the speed limit to see prices for this group.

Cheap for military families

Cheap car insurance for drivers with a military connection is often available through USAA, which offers coverage exclusively for active service members, veterans and their families. We didn’t include USAA in the rankings above because its policies aren’t available to the general public, but it was among the five cheapest options in Michigan for every driver category.

Recap: Cheapest car insurance in Michigan

  • Good drivers: Geico.
  • Minimum coverage: Geico.
  • Poor credit: Geico.
  • After an at-fault crash: Pioneer State.
  • After a DUI: Pioneer State.
  • After a speeding ticket: Pioneer State.
  • Married couples: Geico.
  • Families with a teen: Geico.
  • Young good drivers: Geico.
  • Minimum coverage for young good drivers: Geico.
  • Minimum coverage for young drivers with poor credit: Geico.
  • Minimum coverage for young drivers after a crash: Pioneer State.
  • Minimum coverage for young drivers after a DUI: Pioneer State.
  • Minimum coverage for young drivers after a ticket: Pioneer State.

» MORE: Compare car insurance

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.

PIP doesn’t have any minimum limit to choose; the coverage is unlimited in Michigan, if needed. However, you must select at least the following amounts of liability insurance and personal property protection:

  • $20,000 bodily injury liability per person.
  • $40,000 bodily injury liability per incident.
  • $1 million PPI for incidents that occur within Michigan.
  • $10,000 property damage liability per incident outside Michigan.

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 poor credit, 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 rates from the largest insurers in the state for 40-year-old men and women in all ZIP codes with 12,000 annual miles driven. The policy includes:

  • $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.
If required, minimum additional coverages were added. Our “young driver” had all the same characteristics, but average rates were for 25-year-old men and women. 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 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 costing $10,000 in property damage.
  • For drivers with a ticket, we added a single speeding violation for driving 16 mph over the speed limit.
  • For drivers with a DUI, we added a single drunken driving violation.
We used a 2016 Toyota Camry LE for all single drivers. Couples in our analyses were 50-year-old men and women with good credit and clean driving histories, averaged across all ZIP codes with the same policy outlined above. To see rates for families with a teen, we added an 18-year-old licensed two years ago, averaging rates for male and female teens. For couples and families we added a 2016 Nissan Rogue S to create a two-car household. These are rates provided by Quadrant Information Services. Your own rates will be different.