Cheapest Car Insurance in Michigan (May 2025)

Written by Ben Moore and 1 other
Updated Mar 13, 2025
Insurance price card

Cheapest Car Insurance in Michigan (May 2025)

No long forms No spam or unwanted phone calls Quotes from top insurance companies

You’re minutes away from insurance savings.
Key Takeaways
  • Bristol West and Progressive offer some of the cheapest car insurance in Michigan.
  • The average cost of minimum coverage in Michigan is around $200 per month.
  • Compare quotes from multiple insurers to find cheap car insurance in Michigan.

The cheapest car insurance in Michigan comes from companies like Bristol West and Progressive, according to real quotes for Jerry customers.

Here are more cheap quotes in the state for minimum and full coverage, plus quotes listed by age and driving history.

COMPARE CHEAP CAR INSURANCE QUOTES IN MICHIGAN

Cheap minimum coverage in Michigan

Here are the most affordable insurers in Michigan for minimum coverage policies, according to real quotes for Jerry customers.

Age
Car Make and Model
Insurance Company
Monthly Quote
Date of Policy
33 Dodge Charger Progressive $201 April 30, 2025
38 Jeep Cherokee Progressive $82 April 30, 2025
39 Dodge RAM 1500 Progressive $306 April 30, 2025
39 Jeep Liberty Progressive $162 April 30, 2025
24 Chevrolet Equinox Bristol West $144 April 30, 2025
32 Toyota Rav4 Bristol West $219 April 30, 2025
18 GMC Envoy Bristol West $505 April 30, 2025
42 Chevrolet Malibu Progressive $196 April 30, 2025
28 GMC Terrain Progressive $119 April 30, 2025
30 Chevrolet S10 Bristol West $144 April 30, 2025
Last Updated May 2, 2025

Minimum car insurance requirements in Michigan

Michigan’s car insurance requirements are:

  • $50,000 in bodily injury liability per person.
  • $100,000 in bodily injury liability per accident.
  • $10,000 in property damage liability for damage caused in another state.

Michigan drivers must also carry personal injury protection, or PIP, and property protection insurance, or PPI, which pays up to $1 million for property damage caused in Michigan during an at-fault accident.

Cheap full coverage car insurance in Michigan

Here are the most affordable insurers in Michigan for full coverage policies, according to real quotes for Jerry customers.

Insurance Company
Avg Monthly Quote
Avg Annual Quote
Electric $175 $2,102
Embark General $252 $3,020
Safeco $259 $3,104
The General $260 $3,118
Gainsco $285 $3,424
Progressive $299 $3,588
National General $358 $4,301
Anchor General $390 $4,680
Mendota $395 $4,735
Bristol West $406 $4,869
Last Updated May 2, 2025

Minimum vs. full coverage in Michigan

Minimum coverage is the cheapest option, and it will satisfy Michigan’s insurance requirements. But it won’t pay for damage to your own car if you cause a crash.

Full coverage includes Michigan’s insurance requirements, plus coverage to pay for damage to your own car. It typically includes:

  • Liability insurance, which covers injuries or property damage you cause to someone else in an accident.
  • Collision coverage, which pays for damage to your vehicle from an accident, regardless of who is responsible. Michigan drivers can choose between three types of collision coverage: limited, standard, and broad coverage.
  • Comprehensive coverage pays for vehicle damage caused by hitting an animal, falling objects, weather-related incidents and theft.

If you have a loan or lease on your vehicle, the lender will require full coverage. You may also need gap insurance, which can help you pay off your loan if your car is totaled.

Average car insurance costs for young drivers in Michigan

Younger drivers typically pay more for auto insurance since they have less experience on the road. Below are the average costs of car insurance in Michigan for drivers between 18 and 24.

Age Group
Avg Monthly Quote
Avg Annual Quote
18-20 $428 $5,142
21-24 $347 $4,164
Last Updated Apr 30, 2025

Cheap minimum coverage in Michigan for a 20-year-old

Here are the most affordable insurers in Michigan for 20-year-olds with minimum coverage policies, according to real quotes for Jerry customers.

Age
Car Make and Model
Insurance Company
Monthly Quote
Date of Policy
20 Chevrolet Malibu Progressive $924 April 27, 2025
20 Ford Focus Bristol West $297 April 15, 2025
20 Chevrolet Malibu Progressive $152 April 14, 2025
20 Nissan Murano Progressive $278 April 10, 2025
20 FORD FUSION Progressive $356 April 7, 2025
20 RAM 1500 Progressive $107 April 4, 2025
20 Audi A4 Bristol West $240 March 28, 2025
20 Hyundai Elantra Progressive $226 March 26, 2025
20 Dodge Journey Bristol West $220 March 15, 2025
20 Chevrolet Equinox Bristol West $268 March 14, 2025
Last Updated May 1, 2025

Cheap full coverage in Michigan for a 20-year-old

These are the cheapest car insurance companies in Michigan for 20-year-olds with full coverage, according to Jerry’s data.

Age
Car Make and Model
Insurance Company
Monthly Quote
Date of Policy
20 Lincoln Corsair Bristol West $693 April 29, 2025
20 Toyota Prius Progressive $248 April 28, 2025
20 VOLKSWAGEN ROUTAN Bristol West $463 April 17, 2025
20 Chevrolet Impala Bristol West $254 April 13, 2025
20 Ford Escape Bristol West $454 April 11, 2025
20 Chevrolet Impala National General $769 April 7, 2025
20 Chevrolet Camaro Progressive $753 April 4, 2025
20 Chevrolet Cruze Bristol West $364 April 1, 2025
20 Chevrolet Silverado Bristol West $713 April 1, 2025
20 Nissan Altima Progressive $972 March 27, 2025
Last Updated May 1, 2025

Average auto insurance costs for mature drivers in Michigan (25-54)

The cost of car insurance tends to decrease as drivers get older. Below are the average costs of car insurance for drivers in Michigan between the ages of 25 to 54.

Age Group
Avg Monthly Quote
Avg Annual Quote
25-34 $285 $3,417
35-44 $273 $3,277
45-54 $278 $3,339
Last Updated May 2, 2025

Cheapest minimum coverage in Michigan for a 35-year-old

Here are the most affordable insurers in Michigan for 35-year-olds with minimum coverage policies, according to real quotes for Jerry customers.

Age
Car Make and Model
Insurance Company
Monthly Quote
Date of Policy
35 Lincoln MKZ Progressive $351 April 30, 2025
35 Hyundai Elantra Progressive $125 April 28, 2025
35 Toyota Camry Progressive $118 April 24, 2025
35 Lincoln Mark LT Progressive $143 April 24, 2025
35 Hyundai Sonata Progressive $391 April 24, 2025
35 Chrysler 200 Progressive $475 April 16, 2025
35 Infiniti Ex37 Progressive $124 April 16, 2025
35 Ford Taurus Bristol West $178 April 14, 2025
35 Dodge Durango Bristol West $387 April 14, 2025
35 Ford Fusion Progressive $523 April 9, 2025
Last Updated May 2, 2025

Cheapest full coverage in Michigan for a 35-year-old

Below are the cheapest auto insurers in Michigan for 35-year-olds with full coverage.

Age
Car Make and Model
Insurance Company
Monthly Quote
Date of Policy
35 Chevrolet Silverado Bristol West $108 May 2, 2025
35 Dodge Journey Progressive $350 April 30, 2025
35 Nissan Juke Bristol West $577 April 30, 2025
35 Chevrolet Trailblazer Bristol West $938 April 22, 2025
35 NISSAN VERSA Progressive $399 April 20, 2025
35 Toyota Rav4 National General $211 April 18, 2025
35 Jeep Compass Progressive $290 April 18, 2025
35 Chevrolet Traverse Progressive $370 April 15, 2025
35 Hyundai Genesis Progressive $131 April 14, 2025
35 Dodge Journey Bristol West $496 April 13, 2025
Last Updated May 6, 2025

Average car insurance costs for older drivers in Michigan (55+)

Car insurance costs tend to increase again once a driver reaches 65 or older. 

Below are the average costs of car insurance for drivers in Michigan 55 and older.

Age Group
Avg Monthly Quote
Avg Annual Quote
55-64 $252 $3,019
65+ $250 $3,002
Last Updated Apr 30, 2025

Cheapest minimum coverage in Michigan for a 65-year-old

Below are the cheapest auto insurers in Michigan for 65-year-olds with minimum coverage.

Age
Car Make and Model
Insurance Company
Monthly Quote
Date of Policy
65 CHRYSLER 300 National General $214 April 25, 2025
65 GMC Sierra Progressive $38 April 23, 2025
65 GMC Safari Progressive $123 April 22, 2025
65 Chevrolet Equinox Progressive $178 April 17, 2025
65 Chevrolet Equinox Bristol West $169 April 3, 2025
65 Ford Fiesta Progressive $287 March 25, 2025
65 GMC Envoy Progressive $123 March 11, 2025
65 Ford Escape Progressive $145 March 6, 2025
65 Hyundai Accent Progressive $170 February 19, 2025
65 Jeep Patriot Progressive $85 February 13, 2025
Last Updated May 2, 2025

Cheapest full coverage in Michigan for a 65-year-old

Here are the most affordable insurers in Michigan for 65-year-olds with full coverage policies, according to real quotes for Jerry customers.

Age
Car Make and Model
Insurance Company
Monthly Quote
Date of Policy
65 JEEP WRANGLER Progressive $146 April 15, 2025
65 Chevrolet Trax Bristol West $234 March 27, 2025
65 Nissan Altima Bristol West $776 March 26, 2025
65 RAM 1500 Progressive $483 March 22, 2025
65 Jeep Grand Cherokee Bristol West $162 January 23, 2025
65 KIA Sportage Bristol West $487 January 21, 2025
65 Ford Windstar Progressive $125 December 13, 2024
65 Dodge Charger Bristol West $173 December 10, 2024
65 Ford Explorer Progressive $277 November 27, 2024
65 Chevrolet Trax Progressive $463 November 12, 2024
Last Updated May 2, 2025

Cheapest car insurance in Michigan by driving history

Your driving history is a big factor in your auto insurance premium. If you have a clean record, you’ll likely pay less than someone with violations like a speeding ticket or at-fault accident.

Cheap car insurance for drivers with clean records in Michigan

Below are the cheapest auto insurers in Michigan for drivers with clean driving records.

Insurance Company
Avg Monthly Quote
Avg Annual Quote
Aspire Advantage $112 $1,342
Assurance America $173 $2,071
Aspen $182 $2,183
Electric $187 $2,238
Embark General $190 $2,284
Last Updated May 6, 2025

Cheapest car insurance with a speeding ticket in Michigan

Here are the most affordable insurers in Michigan for those with a speeding ticket, according to real quotes for Jerry customers.

Insurance Company
Avg Monthly Quote
Avg Annual Quote
Mendota $41 $491
Safeco $84 $1,010
National General $185 $2,224
Progressive $232 $2,782
First Acceptance $236 $2,826
Last Updated May 1, 2025

Cheapest car insurance after an at-fault accident with no injury in Michigan

These are the cheapest car insurance companies in Michigan for drivers with an at-fault accident with no injury, according to Jerry’s data.

Insurance Company
Avg Monthly Quote
Avg Annual Quote
Anchor General $90 $1,080
Gainsco $148 $1,781
National General $255 $3,059
Progressive $263 $3,159
Safeco $267 $3,208
Last Updated Apr 30, 2025

Cheapest auto insurance after an at-fault accident with injury in Michigan

Here are the most affordable insurers in Michigan for those with an at-fault accident with injury, according to real quotes for Jerry customers.

Insurance Company
Monthly Quote
Age
Car Make and Model
Date of Policy
Bristol West $809 26 Ford Fusion May 2, 2025
National General $211 35 Toyota Rav4 April 18, 2025
Progressive $311 60 KIA Sedona March 27, 2025
Progressive $94 29 TOYOTA C-HR March 23, 2025
Progressive $162 28 TOYOTA PRIUS March 20, 2025
Bristol West $154 27 MITSUBISHI OUTLANDER March 12, 2025
Safeco $522 80 Chevrolet Blazer February 14, 2025
Bristol West $189 42 BUICK REGAL January 31, 2025
Bristol West $1,051 24 Chevrolet Trax January 17, 2025
Progressive $263 24 Ford Focus October 5, 2024
Last Updated May 6, 2025

Cheapest car insurance with a DUI in Michigan

Here are the most affordable insurers in Michigan for those with a DUI, according to real quotes for Jerry customers.

Insurance Company
Monthly Quote
Age
Car Make and Model
Date of Policy
Progressive $134 29 Saturn VUE April 30, 2025
Bristol West $280 27 Ford Fusion April 14, 2025
Bristol West $450 63 Chevrolet Equinox April 13, 2025
National General $161 33 FORD EDGE April 9, 2025
Progressive $326 55 Jeep Wrangler April 1, 2025
Progressive $145 48 CHEVROLET EQUINOX March 26, 2025
Progressive $125 36 FORD F-150 March 24, 2025
Progressive $130 37 Chevrolet Malibu March 24, 2025
Progressive $208 26 CHRYSLER 300C March 20, 2025
Progressive $156 38 Mazda Cx-9 March 18, 2025
Last Updated May 2, 2025

Average auto insurance costs for Michigan drivers with other violations

Below are average car insurance costs in Michigan for other driving violations.

Violation Summary
Avg Monthly Quote
Avg Annual Quote
Careless Driving $333 $3,994
Defective Equipment $177 $2,122
Driving on Sus. License $229 $2,752
Eluding Police $369 $4,427
Failure to Obey Traffic Sign $267 $3,199
Last Updated May 2, 2025

Michigan no-fault insurance

Michigan is a no-fault state, which means your own auto insurance policy will cover expenses from an accident, no matter who was responsible.

Michigan drivers must have a type of car insurance called PIP, which covers medical expenses for you and your family members, as well as wage loss benefits, replacement services and damage you cause to others’ property.

You must choose between one of these PIP limits:

  • Unlimited coverage.
  • Up to $500,000 per person, per accident. 
  • $250,000 per person, per accident, with no PIP medical benefits if you — and any relatives on your policy — have qualifying healthcare coverage.
  • $50,000 per person, per accident, if you’re enrolled in Medicaid. Any household members must either also be enrolled in Medicaid or have their own auto policy or qualifying health insurance.
  • No PIP medical coverage if you’re a qualifying Medicare member, and members of your household either have their own auto policy or health insurance.

All drivers must also carry up to $1 million in PPI, which pays for property damage you cause in an accident.

Why is car insurance so expensive in Michigan?

Car insurance is expensive in Michigan because of factors like:

  • The state’s unique and complex no-fault insurance system.
  • A high percentage of uninsured drivers on the road. According to a 2023 Insurance Research Council report, more than 19% of Michigan drivers don’t have car insurance.
  • Michigan has a high amount of deer collisions, which can cause vehicle damage and more insurance claims.
  • Dangerous winter driving conditions like snow, sleet and black ice.

More: How car insurance rates are calculated

How to find cheap car insurance in Michigan

Compare car insurance quotes from multiple insurers to get the cheapest policy possible. Rates vary by company, sometimes significantly, so don’t assume your current insurer is offering the best price. 

Find affordable car insurance in minutes.

You can also try these tips to lower your car insurance premium:

  • Ask about discounts you may qualify for.
  • Install a telematic app on your phone. 
  • Pay your policy in full.
  • Bundle your home and car insurance policies with the same company.

More: Best car insurance companies

Methodology

Data included in this analysis comes from policies that Jerry has quoted within the last 18 months. Jerry services 48 states and offers a range of insurance companies to choose from.

MEET OUR EXPERTS
meet-experts-thumbnail
Ben Moore

Ben Moore is a writer and editor at Jerry and an auto insurance expert. He previously worked as a writer, editor and content strategist on NerdWallet’s auto insurance team for five years. His work has been published in The Associated Press, Washington Post, Chicago Sun-Times, MarketWatch, Nasdaq and Yahoo News. He also served as a NerdWallet spokesperson, with appearances on local broadcast television and quotes in Martha Stewart and Real Simple magazine.

Ben has an extensive background in digital marketing, working on affiliate and programmatic advertising campaigns for brands like Cabela’s, H&R Block and Sears. He holds a bachelors degree in marketing from Olivet Nazarene University.

meet-experts-thumbnail
Annie Millerbernd

Annie is a writer and editor at Jerry and has more than a decade of experience writing and editing digital content. Before joining Jerry, she was an assistant assigning editor at NerdWallet, where she covered loans. Previously, she worked at USAA and newspapers in Minnesota, North Dakota, California, and Texas. She holds a bachelor’s degree in journalism from the University of Minnesota.

Over the past 12 months, 25% of drivers who switched with Jerry paid $85 or less per month. Not all customers find savings. Savings depend on state, policy features, coverage, driving history and other factors.

Editorial Note: This article was written by a paid member of Jerry’s editorial team. Statements in this article do not constitute advice or recommendations. You should consult with an insurance professional about your specific circumstances and needs before making any insurance decisions.