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.
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
|
|---|---|---|---|---|
| 51 | Chevrolet Silverado | Progressive | $276 | May 14, 2025 |
| 43 | Chevrolet Impala | Progressive | $95 | May 14, 2025 |
| 55 | Dodge Durango | Bristol West | $309 | May 14, 2025 |
| 25 | Jeep Wrangler | Progressive | $80 | May 14, 2025 |
| 52 | Hyundai Elantra | National General | $214 | May 14, 2025 |
| 23 | Nissan Altima | Bristol West | $206 | May 14, 2025 |
| 31 | CHEVROLET CRUZE | Progressive | $218 | May 14, 2025 |
| 34 | KIA Rondo | Progressive | $137 | May 14, 2025 |
| 54 | GMC Terrain | Progressive | $154 | May 14, 2025 |
| 44 | Nissan Pathfinder | Progressive | $153 | May 14, 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 | $257 | $3,084 |
| The General | $260 | $3,118 |
| Gainsco | $285 | $3,424 |
| Progressive | $300 | $3,594 |
| National General | $364 | $4,366 |
| Mendota | $395 | $4,735 |
| Bristol West | $406 | $4,870 |
| Anchor General | $413 | $4,954 |
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
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 | $5,138 |
| 21-24 | $350 | $4,196 |
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 | Honda Cr-v | Bristol West | $174 | May 8, 2025 |
| 20 | Chrysler 200 | Bristol West | $127 | May 4, 2025 |
| 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 |
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 | Chevrolet Malibu | Progressive | $151 | May 13, 2025 |
| 20 | Dodge RAM 1500 | Progressive | $99 | May 2, 2025 |
| 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 |
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 | $3,424 |
| 35-44 | $274 | $3,291 |
| 45-54 | $279 | $3,352 |
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 | Honda Civic | Bristol West | $145 | May 13, 2025 |
| 35 | Pontiac Grand Prix | Bristol West | $181 | May 9, 2025 |
| 35 | Ford Focus | Bristol West | $361 | May 8, 2025 |
| 35 | Jeep Patriot | Bristol West | $116 | May 7, 2025 |
| 35 | Nissan Juke | Progressive | $231 | May 6, 2025 |
| 35 | Cadillac DTS | Bristol West | $164 | May 1, 2025 |
| 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 |
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 Traverse | Bristol West | $326 | May 9, 2025 |
| 35 | Chevrolet Silverado | Bristol West | $108 | May 2, 2025 |
| 35 | Dodge Journey | Progressive | $350 | 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 |
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 | $253 | $3,037 |
| 65+ | $248 | $2,972 |
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 | Chevrolet Cruze | Bristol West | $265 | May 3, 2025 |
| 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 |
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 | Chevrolet Traverse | Bristol West | $344 | May 5, 2025 |
| 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 |
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 |
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 |
| Progressive | $234 | $2,806 |
| First Acceptance | $236 | $2,826 |
| National General | $275 | $3,299 |
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 | $261 | $3,136 |
| Progressive | $265 | $3,186 |
| Safeco | $271 | $3,252 |
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 |
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 | $137 | 34 | KIA Rondo | May 14, 2025 |
| Progressive | $171 | 38 | HONDA RIDGELINE | May 14, 2025 |
| Progressive | $248 | 46 | Ford F-150 | May 13, 2025 |
| Bristol West | $220 | 27 | Chevrolet Malibu | May 13, 2025 |
| Bristol West | $547 | 26 | CHRYSLER 300C | May 6, 2025 |
| 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 |
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 | $322 | $3,862 |
| Defective Equipment | $177 | $2,122 |
| Driving on Sus. License | $229 | $2,751 |
| Eluding Police | $369 | $4,427 |
| Failure to Obey Traffic Sign | $264 | $3,166 |
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.
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.
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.
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.
