Cheapest Car Insurance In Michigan For 2026
National General offers the cheapest car insurance in Michigan, with average annual rates of $708 for minimum coverage.
We’ve saved shoppers an average of $600 per year on their car insurance.
Michigan drivers currently pay some of the highest car insurance premiums in the country, but rates vary significantly by insurer, with the cheapest options starting around $59 per month for minimum coverage, depending on your driving record and ZIP code.
National General, GEICO, and Auto-Owners consistently rank among the most affordable carriers in the state. Michigan’s no-fault insurance system and required Personal Injury Protection (PIP) coverage make comparison shopping especially important for finding meaningful savings.
Key Takeaways
National General & Auto-Owners provide the cheapest car insurance policies in Michigan, on average.
The average cost of car insurance in Michigan ranges between $186-$249 per month.
Discounts are a good way to reduce your car insurance premium.
What’s Changed In 2026?
- Michigan drivers can now choose from multiple PIP coverage tiers, directly impacting how much they pay for required no-fault coverage.
- Statewide average premiums have begun stabilizing after several years of sharp post-pandemic rate increases.
- More Michigan insurers are offering telematics discounts, rewarding low-mileage and safe-driving behavior with measurable savings.
- A growing number of carriers have re-entered the Michigan market following no-fault reforms, increasing competition and consumer options.
Cheapest Car Insurance Companies In Michigan
Cheapest Car Insurance In Michigan For Minimum Coverage – National General
Minimum coverage in car insurance represents the most fundamental level of protection, aligning with the legal mandates set by the state of Michigan.
National General offers the cheapest minimum coverage car insurance in Michigan, with average monthly premiums of $59.
| Provider | Average Monthly Cost | Average Annual Cost |
| Auto-Owners | $60 | $720 |
| Chubb | $63 | $756 |
| National General | $59 | $708 |
| Travelers | $65 | $780 |
| Westfield | $61 | $732 |
Cheapest Car Insurance In Michigan For Full Coverage – GEICO
Full coverage car insurance encompasses a more extensive range of protection compared to minimum coverage, making it a comprehensive choice for many drivers. This type of policy typically integrates both comprehensive and collision insurance, creating a robust safety net.
GEICO has the cheapest full coverage car insurance in Michigan. You can get coverage for around $238 a month.
| Provider | Average Monthly Cost | Average Annual Cost |
| Auto-Owners | $254 | $3,048 |
| Chubb | $266 | $3,192 |
| GEICO | $238 | $2,856 |
| Progressive | $279 | $3,348 |
| Travelers | $261 | $3,132 |
Cheapest Car Insurance In Michigan For Drivers With Poor Credit – GEICO
Credit score plays a pivotal role in the calculation of car insurance rates, serving as a key indicator for insurers in assessing the risk profile of a driver. The underlying premise is that individuals with lower credit scores are statistically more likely to file insurance claims.
If you have poor credit, you can find the cheapest car insurance with GEICO. Premiums are around $145 per month.
| Provider | Average Monthly Cost | Average Annual Cost |
| Auto-Owners Insurance | $152 | $1,824 |
| Geico | $145 | $1,740 |
| Progressive | $158 | $1,896 |
| State Farm | $155 | $1,860 |
| Travelers | $150 | $1,800 |
Cheapest Car Insurance In Michigan For Seniors – GEICO
Car insurance for seniors in Michigan can be found at an affordable rate of $116 per month with GEICO.
| Provider | Average Monthly Cost | Average Annual Cost |
| Auto-Owners | $165 | $1,980 |
| GEICO | $116 | $1,392 |
| Progressive | $124 | $1,488 |
| State Farm | $272 | $3,264 |
| Travelers | $140 | $1,680 |
Seniors in Michigan have the potential to secure competitive rates for their car insurance, thanks to the various factors that work in their favor. Age can indeed be a significant factor in determining insurance premiums, with the assumption being that as drivers age, their reflexes and driving abilities might decline. However, this is not a hard and fast rule, and many seniors maintain excellent driving records well into their later years.
Cheapest Car Insurance In Michigan For Teenagers – Travelers
Teenage car insurance rates in Michigan are typically the highest out of any age group, this is because teenagers have a high rate of accidents, which translates into high premiums
Travelers has the cheapest rates for teens, with an average monthly premium of $201.
| Provider | Average Monthly Cost | Average Annual Cost |
| Auto-Owners | $204 | $2,448 |
| Chubb | $210 | $2,520 |
| GEICO | $216 | $2,592 |
| Travelers | $201 | $2,412 |
| Westfield | $207 | $2,484 |
Cheapest Car Insurance In Michigan For Good Drivers – Westfield
Good drivers, characterized by their clean driving records, are typically rewarded with lower car insurance rates. Insurance companies assess risk based on a driver’s history, and those without any violations or accidents naturally fall into the low-risk category.
Westfield provides the cheapest auto insurance policy in Michigan for drivers with a clean record, at an average annual rate of $1,152.
| Provider | Average Monthly Cost | Average Annual Cost |
| Auto-Owners Insurance | $103 | $1,236 |
| Chubb | $100 | $1,200 |
| GEICO | $102 | $1,224 |
| Travelers | $98 | $1,176 |
| Westfield | $96 | $1,152 |
Cheapest Car Insurance In Michigan For Drivers With A Speeding Ticket – Westfield
Westfield has average premiums of $157, making it the cheapest option for drivers with a speeding ticket.
| Provider | Average Monthly Cost | Average Annual Cost |
| Auto-Owners Insurance | $172 | $2,064 |
| Chubb | $163 | $1,956 |
| GEICO | $169 | $2,028 |
| Travelers | $177 | $2,124 |
| Westfield Insurance | $157 | $1,884 |
Cheapest Car Insurance In Michigan For Drivers With An At-Fault Accident – Auto-Owners
Auto-Owners has average premiums of $183, making it the cheapest option for drivers with an at-fault accident.
| Provider | Average Monthly Cost | Average Annual Cost |
| Auto-Owners Insurance | $183 | $2,196 |
| Chubb | $187 | $2,244 |
| GEICO | $191 | $2,292 |
| Travelers | $195 | $2,340 |
| Westfield | $200 | $2,400 |
Cheapest Car Insurance In Michigan For Drivers After A DUI – Progressive
Progressive has average premiums of $92, making it the cheapest option for drivers with a DUI on their record.
| Provider | Average Monthly Cost | Average Annual Cost |
| Auto-Owners Insurance | $162 | $1,944 |
| Chubb | $201 | $2,412 |
| GEICO | $344 | $4,128 |
| Progressive | $92 | $1,104 |
| Travelers | $197 | $2,364 |
Average Cost Of Car Insurance In Michigan – By Age
An 18-year-old driver in Michigan can expect to pay around $5,028 per year for their insurance, while a 35-year-old driver will only pay around $2,868.
Your age plays a significant role in determining your car insurance rate. Young drivers typically pay the highest premiums, with rates dropping as you get older.
| Age | Average Monthly Cost | Average Annual Cost |
| 16 | $472 | $5,664 |
| 17 | $446 | $5,352 |
| 18 | $419 | $5,028 |
| 19 | $393 | $4,716 |
| 21 | $340 | $4,080 |
| 25 | $287 | $3,444 |
| 35 | $239 | $2,868 |
| 45 | $228 | $2,736 |
| 55 | $223 | $2,676 |
| 65 | $234 | $2,808 |
| 75 | $271 | $3,252 |
Average Cost Of Car Insurance In Michigan – By City
Drivers in Detroit typically pay around $2,191 per year, while drivers in Saginaw may find rates around $1,764.
The city that your home is in greatly affects your car insurance premiums. Cities usually have higher risks of theft and accidents.
| City | Average Monthly Rate | Average Annual Cost |
| Detroit | $183 | $2,196 |
| Jackson | $159 | $1,908 |
| Flint | $165 | $1,980 |
| Grand Rapids | $153 | $1,836 |
| Kalamazoo | $151 | $1,812 |
| Lansing | $155 | $1,860 |
| Saginaw | $147 | $1,764 |
Minimum Car Insurance Requirements In Michigan
Michigan drivers must have minimum car insurance with liability coverage set at 50/100/10. The minimum amount of coverage required by law is as follows:
- $50,000 for bodily injury per person
- $100,000 in bodily injury per accident
- $10,000 for property damage per accident.
- $250,000 in personal injury protection (PIP)
Car Insurance Discounts In Michigan
While searching for car insurance, it’s wise to explore providers that present the most beneficial discounts tailored to your circumstances. Additionally, consulting with your insurance agent can reveal potential discounts that you might not be currently utilizing.
Below is further insight into the common types of discounts provided by top car insurance companies:
- Multi-policy: Bundle two or more insurance policies with the same company.
- Multi-vehicle: Insuring multiple cars under the same policy or combining auto insurance policies earns you this discount.
- Military: This generally applies to both veterans and active-duty military members.
- Senior: This often applies to policyholders who are 55 or older.
- Homeowners: If you own a home, you may qualify for this discount.
- Good student: This discount is usually for college and high school students under 25 who maintain a B average in their courses.
- Good driver: You can save money by maintaining a clean driving record (with no at-fault accidents, DUI, or traffic tickets in the last three years).
- Defensive driving: Those who take a qualifying defensive driving course get a discount.
- Driver training: Get a discount by taking a driver education training course.
- New car: Drivers who purchase new cars, typically no more than three model years old, get a discount.
- Safe car: This applies if your vehicle has safety features like anti-theft technology.
- Paperless: Receive a discount by opting to receive your documents through email.
- Pay-in-full: Save on your car insurance premium by paying in full up front.
Compare Rates To Other U.S. States
| State | Average Annual Premium |
| Alabama | $1,846 |
| Alaska | $1,386 |
| Arizona | $1,954 |
| Arkansas | $1,962 |
| California | $2,580 |
| Colorado | $2,172 |
| Connecticut | $1,984 |
| Delaware | $2,217 |
| Florida | $2,670 |
| Georgia | $2,056 |
| Hawaii | $1,415 |
| Idaho | $1,397 |
| Illinois | $1,782 |
| Indiana | $1,547 |
| Iowa | $1,588 |
| Kansas | $1,867 |
| Kentucky | $2,205 |
| Louisiana | $3,171 |
| Maine | $1,469 |
| Maryland | $2,025 |
| Massachusetts | $1,527 |
| Michigan | $2,335 |
| Minnesota | $1,760 |
| Mississippi | $2,011 |
| Missouri | $2,011 |
| Montana | $2,071 |
| Nebraska | $1,721 |
| Nevada | $2,353 |
| New Hampshire | $1,408 |
| New Jersey | $2,007 |
| New Mexico | $1,817 |
| New York | $2,098 |
| North Carolina | $1,502 |
| North Dakota | $1,734 |
| Ohio | $1,530 |
| Oklahoma | $2,129 |
| Oregon | $1,773 |
| Pennsylvania | $1,960 |
| Rhode Island | $2,255 |
| South Carolina | $2,007 |
| South Dakota | $2,474 |
| Tennessee | $1,692 |
| Texas | $1,990 |
| Utah | $1,864 |
| Vermont | $1,299 |
| Virginia | $1,631 |
| Washington | $1,819 |
| West Virginia | $1,853 |
| Wisconsin | $1,609 |
| Wyoming | $1,778 |
FAQs
How much is car insurance a month in Michigan?
The monthly cost of car insurance in Michigan varies widely but typically ranges from $186 to $249. Factors influencing the price include your driving record, type of coverage, and the make and model of your vehicle.
Which car insurance is better in Michigan?
The “best” insurance in Michigan depends on individual needs. National General & Auto-Owners are both popular for their affordability and customer service,
Our Methodology
Drawing upon a comprehensive analysis that encompasses multiple facets such as customer service ratings, product options, pricing, and a thorough evaluation of various online review sites and user experience, I've crafted an in-depth view of the landscape of car insurance providers in Michigan.
This is an informed perspective, honed by over 15 years of personal involvement in the industry as a licensed casualty insurance agent in Michigan, countless interactions with representatives from various companies, and insights gleaned from firsthand experience buying car insurance in Michigan.
Quotes Analyzed
Hours Of Research
Years Of Industry Experience
Brands Reviewed
About Bob Phillips
Bob Phillips is a former California-licensed insurance agent (license #0C27547) with over 15 years helping clients plan their finances. He holds the Chartered Life Underwriter (CLU) designation from The American College, a BA from the State University of New York, and Series 6, 7, 26, 63, and 65 securities licenses, and has held life, health, disability, and property/casualty insurance licenses.
He has written hundreds of insurance and investment articles and published two financial books. You can verify Bob’s license history (#0C27547) at the California Department of Insurance.