The Cheapest Car Insurance in Michigan for March 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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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 on how to bundle home and auto insurance 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. Geico: $2,273 per year, or about $189 per month.
  2. Auto-Owners: $2,996 per year, or about $250 per month.
  3. Secura: $3,024 per year, or about $252 per month.
  4. Michigan Farm Bureau: $3,482 per year, or about $290 per month.
  5. Hastings Mutual: $3,594 per year, or about $300 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: $606 per year, or about $51 per month.
  2. Fremont: $707 per year, or about $59 per month.
  3. Wolverine Mutual: $748 per year, or about $62 per month.
  4. Geico: $772 per year, or about $64 per month.
  5. Pioneer State: $812 per year, or about $68 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: $1,106 per year, or about $92 per month.
  2. Geico: $1,248 per year, or about $104 per month.
  3. Pioneer State: $1,378 per year, or about $115 per month.
  4. Auto-Owners: $1,385 per year, or about $115 per month.
  5. Wolverine Mutual: $1,420 per year, or about $118 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: $928 per year, or about $77 per month.
  2. Auto-Owners: $982 per year, or about $82 per month.
  3. Westfield: $1,167 per year, or about $97 per month.
  4. Meemic: $1,170 per year, or about $98 per month.
  5. Fremont: $1,185 per year, or about $99 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: $728 per year, or about $61 per month.
  2. Pioneer State: $902 per year, or about $75 per month.
  3. Fremont: $987 per year, or about $82 per month.
  4. Wolverine Mutual: $1,002 per year, or about $84 per month.
  5. Westfield: $1,086 per year, or about $91 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-Owners: $1,522 per year, or about $127 per month.
  2. Meemic: $1,548 per year, or about $129 per month.
  3. Wolverine Mutual: $1,574 per year, or about $131 per month.
  4. Progressive: $1,588 per year, or about $132 per month.
  5. Pioneer State: $1,614 per year, or about $134 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: $1,172 per year, or about $98 per month.
  2. Hastings Mutual: $1,274 per year, or about $106 per month.
  3. Secura: $1,470 per year, or about $123 per month.
  4. Wolverine Mutual: $1,746 per year, or about $146 per month.
  5. Fremont: $1,935 per year, or about $161 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: $286 per year, or about $24 per month.
  2. Fremont: $355 per year, or about $30 per month.
  3. Pioneer State: $416 per year, or about $35 per month.
  4. Auto-Owners: $432 per year, or about $36 per month.
  5. Geico: $457 per year, or about $38 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: $1,928 per year, or about $161 per month.
  2. Hastings Mutual: $2,038 per year, or about $170 per month.
  3. Secura: $2,427 per year, or about $202 per month.
  4. Fremont: $3,065 per year, or about $255 per month.
  5. Pioneer State: $3,118 per year, or about $260 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: $342 per year, or about $29 per month.
  2. Fremont: $570 per year, or about $48 per month.
  3. Farmers: $595 per year, or about $50 per month.
  4. Auto-Owners: $666 per year, or about $56 per month.
  5. Westfield: $668 per year, or about $56 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. Hastings Mutual: $1,984 per year, or about $165 per month.
  2. Wolverine Mutual: $2,236 per year, or about $186 per month.
  3. Secura: $2,286 per year, or about $190 per month.
  4. Auto-Owners: $2,334 per year, or about $195 per month.
  5. Pioneer State: $2,334 per year, or about $195 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: $2,711 per year, or about $226 per month.
  2. Pioneer State: $3,662 per year, or about $305 per month.
  3. Auto-Owners: $4,495 per year, or about $375 per month.
  4. Wolverine Mutual: $4,560 per year, or about $380 per month.
  5. Farmers: $4,711 per year, or about $393 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: $1,144 per year, or about $95 per month.
  2. Geico: $1,172 per year, or about $98 per month.
  3. Secura: $1,374 per year, or about $114 per month.
  4. Wolverine Mutual: $1,404 per year, or about $117 per month.
  5. Fremont: $1,792 per year, or about $149 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: $238 per year, or about $20 per month.
  2. Fremont: $330 per year, or about $28 per month.
  3. Pioneer State: $419 per year, or about $35 per month.
  4. Secura: $435 per year, or about $36 per month.
  5. Geico: $457 per year, or about $38 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: $1,816 per year, or about $151 per month.
  2. Geico: $1,928 per year, or about $161 per month.
  3. Secura: $2,258 per year, or about $188 per month.
  4. Wolverine Mutual: $2,598 per year, or about $217 per month.
  5. Fremont: $2,832 per year, or about $236 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: $284 per year, or about $24 per month.
  2. Fremont: $528 per year, or about $44 per month.
  3. Farmers: $595 per year, or about $50 per month.
  4. Westfield: $661 per year, or about $55 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. Wolverine Mutual: $1,778 per year, or about $148 per month.
  2. Hastings Mutual: $1,854 per year, or about $155 per month.
  3. Secura: $2,121 per year, or about $177 per month.
  4. Pioneer State: $2,191 per year, or about $183 per month.
  5. Fremont: $2,318 per year, or about $193 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: $2,602 per year, or about $217 per month.
  2. Pioneer State: $3,440 per year, or about $287 per month.
  3. Wolverine Mutual: $3,886 per year, or about $324 per month.
  4. Auto-Owners: $4,574 per year, or about $381 per month.
  5. Farmers: $4,711 per year, or about $393 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. Hastings Mutual: $1,158 per year, or about $97 per month.
  2. Wolverine Mutual: $1,192 per year, or about $99 per month.
  3. Geico: $1,214 per year, or about $101 per month.
  4. Secura: $1,345 per year, or about $112 per month.
  5. Fremont: $1,508 per year, or about $126 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: $206 per year, or about $17 per month.
  2. Fremont: $283 per year, or about $24 per month.
  3. Pioneer State: $432 per year, or about $36 per month.
  4. Secura: $433 per year, or about $36 per month.
  5. Geico: $493 per year, or about $41 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: $1,842 per year, or about $154 per month.
  2. Geico: $2,000 per year, or about $167 per month.
  3. Wolverine Mutual: $2,186 per year, or about $182 per month.
  4. Secura: $2,214 per year, or about $184 per month.
  5. Fremont: $2,369 per year, or about $197 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: $242 per year, or about $20 per month.
  2. Fremont: $447 per year, or about $37 per month.
  3. Farmers: $595 per year, or about $50 per month.
  4. Chubb: $644 per year, or about $54 per month.
  5. Westfield: $705 per year, or about $59 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: $1,508 per year, or about $126 per month.
  2. Hastings Mutual: $1,868 per year, or about $156 per month.
  3. Fremont: $1,943 per year, or about $162 per month.
  4. Secura: $2,078 per year, or about $173 per month.
  5. Pioneer State: $2,117 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: $2,421 per year, or about $202 per month.
  2. Wolverine Mutual: $2,888 per year, or about $241 per month.
  3. Pioneer State: $3,332 per year, or about $278 per month.
  4. Auto-Owners: $4,521 per year, or about $377 per month.
  5. Farmers: $4,711 per year, or about $393 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: $1,146 per year, or about $96 per month.
  2. Wolverine Mutual: $1,192 per year, or about $99 per month.
  3. Farmers: $1,251 per year, or about $104 per month.
  4. Geico: $1,253 per year, or about $104 per month.
  5. Secura: $1,355 per year, or about $113 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: $206 per year, or about $17 per month.
  2. Farmers: $221 per year, or about $18 per month.
  3. Fremont: $292 per year, or about $24 per month.
  4. Pioneer State: $372 per year, or about $31 per month.
  5. Secura: $450 per year, or about $37 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: $1,820 per year, or about $152 per month.
  2. Geico: $2,066 per year, or about $172 per month.
  3. Wolverine Mutual: $2,186 per year, or about $182 per month.
  4. Secura: $2,228 per year, or about $186 per month.
  5. Fremont: $2,452 per year, or about $204 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: $242 per year, or about $20 per month.
  2. Farmers: $263 per year, or about $22 per month.
  3. Fremont: $461 per year, or about $38 per month.
  4. Chubb: $591 per year, or about $49 per month.
  5. Pioneer State: $662 per year, or about $55 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: $1,508 per year, or about $126 per month.
  2. Hastings Mutual: $1,802 per year, or about $150 per month.
  3. Pioneer State: $1,949 per year, or about $162 per month.
  4. Fremont: $2,009 per year, or about $167 per month.
  5. Secura: $2,109 per year, or about $176 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: $2,309 per year, or about $192 per month.
  2. Wolverine Mutual: $2,888 per year, or about $241 per month.
  3. Farmers: $3,017 per year, or about $251 per month.
  4. Pioneer State: $3,054 per year, or about $255 per month.
  5. Auto-Owners: $4,337 per year, or about $361 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: $1,322 per year, or about $110 per month.
  2. Wolverine Mutual: $1,456 per year, or about $121 per month.
  3. Secura: $1,522 per year, or about $127 per month.
  4. Fremont: $1,644 per year, or about $137 per month.
  5. Pioneer State: $1,644 per year, or about $137 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: $252 per year, or about $21 per month.
  2. Fremont: $306 per year, or about $26 per month.
  3. Farmers: $339 per year, or about $28 per month.
  4. Pioneer State: $405 per year, or about $34 per month.
  5. Secura: $522 per year, or about $44 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: $2,114 per year, or about $176 per month.
  2. Secura: $2,518 per year, or about $210 per month.
  3. Fremont: $2,590 per year, or about $216 per month.
  4. Pioneer State: $2,622 per year, or about $219 per month.
  5. Wolverine Mutual: $2,716 per year, or about $226 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: $300 per year, or about $25 per month.
  2. Farmers: $405 per year, or about $34 per month.
  3. Fremont: $485 per year, or about $40 per month.
  4. Chubb: $610 per year, or about $51 per month.
  5. Pioneer State: $734 per year, or about $61 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: $1,856 per year, or about $155 per month.
  2. Pioneer State: $1,963 per year, or about $164 per month.
  3. Hastings Mutual: $1,976 per year, or about $165 per month.
  4. Fremont: $2,119 per year, or about $177 per month.
  5. Auto-Owners: $2,350 per year, or about $196 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: $2,492 per year, or about $208 per month.
  2. Pioneer State: $3,125 per year, or about $260 per month.
  3. Farmers: $3,851 per year, or about $321 per month.
  4. Auto-Owners: $4,734 per year, or about $395 per month.
  5. Wolverine Mutual: $4,740 per year, or about $395 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.

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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