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Best Cheap Car Insurance in Michigan for 2021

May 24, 2021
Auto Insurance, Insurance
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Finding cheap car insurance in Michigan can be challenging. To help Michigan drivers save as much as possible, we analyzed rates from 31 auto insurers in the state and found the five cheapest options for several driver types.

Cheapest Car Insurance Company Overall in Michigan
Wolverine Mutual$96/monthNot yet rated.
Cheapest for Minimum Coverage
Secura$15/monthNot yet rated.
Cheapest for Young Drivers
Secura$38/monthNot yet rated.

 

 

Cheapest car insurance in Michigan for 20-year-old drivers

Young drivers may have to get a lot of quotes to find 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. To cut down on costs, young drivers might want to consider buying only state-mandated coverage, rather than full coverage insurance. Still, some companies routinely have lower insurance rates for drivers in their 20s, so it's best to shop around to find them.

Many insurance companies offer ways for young drivers to save, such as good student discounts for those in college or premium reductions for those who take a defensive driving course. If you live in an apartment, consider getting your renters and auto insurance from the same company to take advantage of bundling discounts.

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. Esurance: $1,894 per year.
  2. Secura: $1,958 per year.
  3. Geico: $2,239 per year.
  4. Chubb: $2,433 per year.
  5. Wolverine Mutual: $2,799 per year.

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: $457 per year.
  2. Wolverine Mutual: $524 per year.
  3. Chubb: $620 per year.
  4. Westfield: $694 per year.
  5. Geico: $1,070 per year.

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. Chubb: $620 per year.
  2. Wolverine Mutual: $700 per year.
  3. Secura: $806 per year.
  4. Westfield: $1,035 per year.
  5. Esurance: $1,425 per year.

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. Chubb: $627 per year.
  2. Wolverine Mutual: $1,100 per year.
  3. Esurance: $1,324 per year.
  4. Progressive: $1,454 per year.
  5. Westfield: $1,604 per year.

Cheapest car insurance in Michigan for 30-year-old drivers

By the time they reach their 30s, most drivers 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 car insurance discounts. You may be able to save by insuring multiple vehicles with the same carrier, or by bundling your auto policy with your home insurance. Also, keep an eye out for discounts based on your profession or affiliations; some insurers offer more affordable insurance rates for teachers, members of the military or alumni of certain colleges.

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: $1,021 per year.
  2. Wolverine Mutual: $1,156 per year.
  3. Esurance: $1,266 per year.
  4. Geico: $1,325 per year.
  5. MetLife: $1,472 per year.

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. Secura: $185 per year.
  2. Wolverine Mutual: $202 per year.
  3. Westfield: $347 per year.
  4. Chubb: $386 per year.
  5. MetLife: $558 per year.

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: $1,458 per year.
  2. Secura: $1,542 per year.
  3. Chubb: $1,561 per year.
  4. Esurance: $1,687 per year.
  5. Pioneer State: $2,395 per year.

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. Esurance: $1,528 per year.
  2. Chubb: $1,561 per year.
  3. Progressive: $2,017 per year.
  4. Wolverine Mutual: $2,886 per year.
  5. MetLife: $3,042 per year.

Cheapest car insurance in Michigan for 40-year-old drivers

Drivers in their 40s tend to have better insurance rates than their younger counterparts 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.

Ask about discounts for signing up for autopay, paying your premium in full rather than quarterly or monthly, and opting for electronic statements. If you own your home, consider insuring it with the company that provides your auto insurance; most carriers offer bundling discounts.

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: $949 per year.
  2. Wolverine Mutual: $1,010 per year.
  3. Esurance: $1,263 per year.
  4. Geico: $1,325 per year.
  5. MetLife: $1,472 per year.

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. Secura: $173 per year.
  2. Wolverine Mutual: $198 per year.
  3. Westfield: $337 per year.
  4. Chubb: $370 per year.
  5. MetLife: $558 per year.

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: $1,263 per year.
  2. Secura: $1,418 per year.
  3. Chubb: $1,512 per year.
  4. Esurance: $1,682 per year.
  5. Pioneer State: $2,318 per year.

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: $1,512 per year.
  2. Esurance: $1,523 per year.
  3. Progressive: $1,957 per year.
  4. Wolverine Mutual: $2,478 per year.
  5. MetLife: $3,042 per year.

Cheapest car insurance in Michigan for 50-year-old drivers

Drivers in their 50s have, on average, cheaper auto insurance rates than most other age groups. 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 cheapest price you can. Our list of the best cheap car insurance companies is a good place to start.

Some insurers offer senior discounts to policyholders in their 50s, though some may require you to take a defensive driving course to snag the savings. If you’ve been with your insurer for many years, you may qualify for a loyalty discount. Still, it’s a good idea to check with other companies periodically to make sure you’re not paying too much.

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: $815 per year.
  2. Secura: $928 per year.
  3. Esurance: $1,166 per year.
  4. Geico: $1,289 per year.
  5. Hastings Mutual: $1,313 per year.

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: $148 per year.
  2. Secura: $172 per year.
  3. Westfield: $341 per year.
  4. Chubb: $351 per year.
  5. MetLife: $558 per year.

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: $1,010 per year.
  2. Secura: $1,387 per year.
  3. Chubb: $1,454 per year.
  4. Esurance: $1,560 per year.
  5. Frankenmuth: $2,259 per year.

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. Esurance: $1,401 per year.
  2. Chubb: $1,454 per year.
  3. Progressive: $1,808 per year.
  4. Wolverine Mutual: $1,855 per year.
  5. MetLife: $3,024 per year.

Cheapest car insurance in Michigan for 65-year-old drivers

Although 65-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 auto insurance for seniors, drivers in their mid-60s should shop around to find the lowest rate.

Drivers in this age group should also take advantage of any available discounts for senior citizens. For example, some companies will discount your rate if you take a defensive driving course. You may also be able to save money after retirement if you’re driving fewer miles each year.

Finally, consider whether you need all the coverage you currently have. If you’re not commuting to work each day, for instance, you may not need rental reimbursement coverage when your own car is in the shop for repairs.

Cheapest full coverage car insurance in Michigan for 65-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: $815 per year.
  2. Secura: $944 per year.
  3. MetLife: $1,127 per year.
  4. Esurance: $1,193 per year.
  5. Geico: $1,282 per year.

Cheapest minimum coverage car insurance in Michigan for 65-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: $148 per year.
  2. Secura: $191 per year.
  3. Chubb: $311 per year.
  4. MetLife: $347 per year.
  5. Westfield: $384 per year.

Cheapest auto insurance in Michigan for 65-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: $1,010 per year.
  2. Chubb: $1,293 per year.
  3. Secura: $1,440 per year.
  4. Esurance: $1,595 per year.
  5. MetLife: $2,137 per year.

Cheapest auto insurance in Michigan for 65-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: $1,293 per year.
  2. Esurance: $1,437 per year.
  3. Progressive: $1,777 per year.
  4. Wolverine Mutual: $1,855 per year.
  5. MetLife: $2,496 per year.

Cheapest 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 more than half of the 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 from an average of 14 insurers in each state and Washington, D.C., 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 2018 Toyota Camry L for all drivers and assumed 12,000 annual miles driven.
  • We analyzed rates for drivers 20 to 80 years old in five-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 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.

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

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