Compare Car Insurance Quotes in Michigan
Jerry is a free app trusted by 40,815 Michigan drivers that compares insurance quotes from top carriers.
-
Get personalized options in minutes.
-
Buy, bundle and switch right in the app.
-
Licensed agents are ready to help if you need them.
Average Michigan car insurance prices
The average cost of car insurance for Jerry drivers in the U.S. is currently $153 a month for state minimum and $382 a month for full coverage. But in Michigan, Jerry drivers pay:
-
$85 to $190 per month for state-mandated minimum coverage.
-
$182 to $376 per month for full coverage.
Drivers who take a few minutes to shop around and compare coverage can often find lower rates. Over the last 12 months, Jerry has helped Michiganders save an average of $971 per year on coverage just by comparing their options.
Based on Jerry customers with clean driving records who found savings in the past 12 months. Savings depend on coverage and other factors. Potential savings will vary.
Jerry helps you shop offers and lock in your Michigan car insurance in under 10 minutes. It’s free, entirely online and we never sell your info or flood your phone with calls. If you’d prefer to talk to a real person, you can connect with one of our licensed agents anytime.
Bear in mind that prices vary based on your specific situation, including the age of your car, where you live and how much you drive. Here are some full coverage rates that Jerry drivers in Michigan have recently gotten:
Recent quotes
Based on Jerry customers with clean driving records who found savings in the past 12 months. Savings depend on coverage and other factors. Potential savings will vary.
Bundle home and auto insurance with Jerry
Michigan homeowners face heavy lake-effect snowfall, severe thunderstorms, and occasional tornadoes, plus high auto insurance rates driven by the state’s unique no-fault system. Bundling home and auto insurance can make a meaningful dent in your combined premiums.
Bundling discounts typically range from 5–25%, depending on the insurer. But bundling with the same carrier isn’t always the cheapest option — mixing carriers can actually result in a lower total cost. Over the past year, drivers who switched through Jerry saved an average of 40% compared to their previous policy.
Here’s what really sets Jerry apart: you don’t have to use the same insurer for both. Jerry’s mix-and-match approach lets you pair the best home insurance rate with the best auto insurance rate, even from different carriers. That way you’re not overpaying on one policy just to get a discount on the other.
Jerry pulls up to 20 quotes from top rated carriers.
What Michigan drivers are paying with Jerry
Comparing quotes from multiple insurance companies is the easiest way to find your best coverage. Whether you’re building a unique policy, matching your current coverage or just choosing the cheapest car insurance in Michigan, shopping around helps you find the right fit.
That matters in Michigan, where drivers have historically paid some of the highest premiums in the country. Recent insurance reforms have brought rates down for many drivers, but costs still vary widely between Detroit, Grand Rapids and more rural parts of the state. That makes it especially important to compare what’s available now. Jerry works with Michigan drivers every day, so your quotes reflect what’s actually typical for your area and driving profile.
Jerry helps you compare quotes from up to 7 trusted insurers in the Wolverine State, so you can see what’s out there and what you should be paying. Below are some of the latest quotes Jerry has pulled for Michigan drivers at different coverage levels, plus how much each driver saved.
Recent quotes in Michigan
Based on Jerry customers with clean driving records who found savings in the past 12 months. Savings depend on coverage and other factors. Potential savings will vary.
Michigan car insurance coverage requirements
Drivers in Michigan are legally required to carry liability insurance coverage. State minimum requirements include:
-
$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.
While this is the minimum insurance you need to buy before you can legally drive in Michigan, many Jerry drivers actually choose higher liability limits along with comprehensive and collision coverage. When you also consider that over 22% of Michigan drivers are uninsured or underinsured, it’s easy to see why uninsured/underinsured motorist (UM/UIM) protection is important.
-
Coverage definitions
Factors affecting Michigan car insurance rates in 2026
Winter driving and road damage
Heavy snow, ice and relentless freeze-thaw cycles make Michigan winters tough on both drivers and vehicles. Pothole-heavy roads punish tires and suspension, and slick conditions drive up crash frequency. Keeping collision coverage active is key to paying for your car after a winter accident.
Vehicle theft
Theft is a significant rate factor in Michigan, especially in and around Detroit. Comprehensive coverage is what pays out if your car is stolen or broken into. Make your car a harder target too: lock up, park in well-lit areas and keep valuables out of sight.
PIP coverage choices
Michigan’s no-fault structure makes your PIP selection one of the biggest pricing levers on your policy. Higher PIP limits cost more but provide stronger protection for injury-related expenses after a crash. Choose a level that fits both your budget and your health insurance situation.
Uninsured drivers
More than one in five Michigan drivers is uninsured, according to the IRC, one of the highest rates in the country. Jerry recommends matching your UM/UIM limits to your liability limits, so you’re protected if the other driver can’t cover your injuries or damage.
Metro repair costs
In higher-density areas, insurers see more frequent claims and higher repair bills driven by labor rates, parts costs and the complexity of modern vehicles. Choose a deductible you can comfortably pay, so a surprise repair estimate doesn’t keep you from filing a claim you’re entitled to.
Commuter mileage
A lot of Michigan drivers rack up serious miles on busy corridors like I-75, I-94 and I-96, and more time on the road means more exposure to accidents. If you commute daily, consider a telematics program like Jerry DriveShield so your safer driving can translate into a lower rate.
Average cost of car insurance in major Michigan cities
|
City
|
Average monthly cost
|
|---|
|
City
|
Average monthly cost
|
|---|---|
| $469 | |
| $206 | |
| $251 | |
| $326 | |
| $214 | |
| $209 | |
| $207 | |
| $187 |
Based on Jerry customers with clean driving records who found savings in the past 12 months. Savings depend on coverage and other factors. Potential savings will vary.
Get Michigan quotes in as little as 2 minutes.
Learn more about driving in Michigan
-
How to get a temporary license plate in Michigan.
-
Understand how no-fault insurance works in Michigan.
-
Understand the 6 main types of car insurance coverage.
-
Find out how much car insurance you need.
FAQ
-
Is Michigan an at-fault state?
-
What are the required parts of a Michigan no-fault policy?
-
If I’m in a crash in Michigan, who pays first for injuries?
-
What happens if I get pulled over driving without insurance in Michigan?
Stephanie Colestock is a professional writer, CFEI®, and licensed insurance agent specializing in personal finance. With over 14 years of experience, she crafts insightful and accessible content on a wide range of financial topics, including insurance, loans, credit/debt, investing, retirement planning, and banking.
Her bylines appear in top-tier publications such as TIME, Fortune, MSN, Business Insider, USA Today, Money, Fox Business, and CBS. Stephanie’s deep understanding of complex financial concepts and her ability to communicate them clearly have made her a trusted voice in the industry.
When she’s not writing, Stephanie enjoys SCUBA diving, reading a good book, and traveling the world with her family.