Compare car insurance quotes in Michigan

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Best Car Insurance in Michigan

Cheapest Car Insurance in Michigan

Average Michigan car insurance prices

The average cost of car insurance for Jerry drivers in the U.S. is currently $154 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 $385 per month for full coverage.

A little comparison shopping goes a long way. Over the last 12 months, Jerry has helped Michiganders save an average of $990 per year on coverage by lining up options and choosing the best fit.

Does it sound too time consuming? Jerry can help! Think us as your proactive assistant. We help you compare offers side-by-side and lock in your Michigan car insurance in under 10 minutes directly in the app. The app is free, and we protect your privacy by never selling your info or spamming you with calls. If you ever need extra help, our licensed agents are just a tap away.

Your exact price will still depend on personal factors like your driving record, your vehicle and where in California you live. Here are some full coverage rates that Jerry drivers in Michigan have recently gotten:

Recent quotes

Customer	Date	Make	Insurer	Coverage level	Monthly quote	Savings

Date	Make	Coverage level	Monthly quote	Savings

02/03/26	Jeep Compass Limited	Basic	$131	18%
02/03/26	Jeep Grand Cherokee Lared	Basic	$119	36%
02/03/26	Chevrolet Venture	Basic	$113	41%
02/03/26	Dodge Grand Caravan Sxt	Standard	$231	7%
02/03/26	Jeep Compass Limited	Preferred	$143	48%

Date

02/03/26

Make

Jeep Compass Limited

Insurer

Coverage level

Basic

Monthly quote

$131

Savings

18%

Date

02/03/26

Make

Jeep Grand Cherokee Lared

Insurer

Coverage level

Basic

Monthly quote

$119

Savings

36%

Date

02/03/26

Make

Chevrolet Venture

Insurer

Coverage level

Basic

Monthly quote

$113

Savings

41%

Date

02/03/26

Make

Dodge Grand Caravan Sxt

Insurer

Coverage level

Standard

Monthly quote

$231

Savings

Date

02/03/26

Make

Jeep Compass Limited

Insurer

Coverage level

Preferred

Monthly quote

$143

Savings

48%

Last Updated Feb. 4, 2026

Bundle home and auto insurance with Jerry

One of the best ways to save on home insurance in Michigan is by bundling your car and home insurance. On average, Jerry homeowners save up to 40% by combining coverages.

But here’s what makes Jerry different: You don’t have to use the same insurer for both.

Jerry’s mix-and-match approach lets you pair the best car insurance rate with the best home insurance rate, even from different companies. This way, you’re not stuck overpaying on one policy just to get a bundle discount on the other.

Jerry pulls up to 20 quotes from top rated carriers.

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What Michigan drivers are paying with Jerry

Checking rates with several insurers is the simplest way to land the right coverage, whether you want to tailor a policy from scratch, mirror what you have now or just lock in the cheapest car insurance in Michigan that you can find.

Jerry helps you compare quotes from up to 6 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

Customer	Date	Make	Insurer	Coverage level	Monthly quote	Savings

Date	Make	Coverage level	Monthly quote	Savings

02/03/26	Jeep Compass Limited	Basic	$131	18%
02/03/26	Jeep Grand Cherokee Lared	Basic	$119	36%
02/03/26	Chevrolet Venture	Basic	$113	41%
02/03/26	Dodge Grand Caravan Sxt	Standard	$208	17%
02/03/26	Jeep Compass Limited	Preferred	$143	48%

Date

02/03/26

Make

Jeep Compass Limited

Insurer

Coverage level

Basic

Monthly quote

$131

Savings

18%

Date

02/03/26

Make

Jeep Grand Cherokee Lared

Insurer

Coverage level

Basic

Monthly quote

$119

Savings

36%

Date

02/03/26

Make

Chevrolet Venture

Insurer

Coverage level

Basic

Monthly quote

$113

Savings

41%

Date

02/03/26

Make

Dodge Grand Caravan Sxt

Insurer

Coverage level

Standard

Monthly quote

$208

Savings

17%

Date

02/03/26

Make

Jeep Compass Limited

Insurer

Coverage level

Preferred

Monthly quote

$143

Savings

48%

Last Updated Feb. 4, 2026

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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 (UIM) protection is important.

Coverage definitions

Coverage	Definition
Collision insurance	An optional coverage type that pays to repair or replace your car if it’s damaged in a collision with another vehicle. You can only file an accident-related claim for your vehicle’s repairs if your policy has collision coverage.
Comprehensive insurance	An optional coverage type that covers damage to your vehicle caused by non-collision hazards, such as car theft, falling tree branches, hail and other unexpected events.
Bodily injury liability (BI)	Pays others’ medical costs in an accident you cause, up to your policy limits. It’s mandatory in most states.
Property damage liability (PD)	Pays for repairs or replacements of any vehicles or objects you damage in a crash, up to your policy limits. It’s mandatory in most states.
Personal injury protection (PIP)	Helps cover medical expenses for you and your passengers after a car accident, regardless of who caused it. This is required in some states.
Medical payments	Additional coverage outside of PIP that pays for medical care for you and your passengers after an accident, regardless of who caused it. This is optional in most states.
Uninsured/underinsured motorist coverage (UM/UIM)	Covers you, your passengers and any property damage in a case where the other driver is at fault but doesn’t have insurance, or carries insufficient coverage to pay for your costs. This is required in some states.

Factors affecting Michigan car insurance rates in 2026

Winter driving and road damage

Heavy snow, ice, and constant freeze-thaw cycles can increase collision frequency and create pothole-heavy roads that punish tires and suspension. Collision coverage is the main protection for repairing your car after a winter crash.

Vehicle theft exposure

Theft risk is a meaningful price driver in Michigan, especially in and around Detroit. Comprehensive coverage is typically what applies to theft, which makes it a key part of protecting your vehicle in higher-risk areas.

PIP coverage choices

Michigan’s no-fault structure makes your PIP medical coverage selection a major pricing lever. Higher limits usually cost more, but they also increase how much protection you have for injury-related expenses after a crash.

Uninsured drivers

Over 22% of Michigan drivers are uninsured. UM/UIM coverage helps protect you when the other driver can’t pay, particularly for injuries and other high-cost losses.

Metro claim costs and repair pricing

In higher-density areas, insurers often see more frequent claims and higher repair bills, driven by labor rates, parts costs, and the complexity of modern vehicles. A deductible you can comfortably cover helps keep your policy usable when repairs are expensive.

Michigan driving mileage and commuter corridors

A lot of Michigan drivers rack up serious mileage on busy corridors, and more time on the road generally means more exposure to accidents. If you commute daily, telematics tools like DriveShield can help reward safer habits with lower rates over time.

Average cost of car insurance in major Michigan cities

City	Average monthly cost

City	Average monthly cost

	$469
	$207
	$250
	$217
	$327
	$209
	$207
	$186

Last Updated Feb. 4, 2026

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State of Michigan resources

What Every Driver Must Know

Department of Transportation

Learn more about driving in Michigan

How to get a temporary license plate in Michigan.
Understand how no-fault insurance works in Michigan.
Learn about personal injury protection (PIP) insurance.
Understand the 6 main types of car insurance coverage.
Find out how much car insurance you need.

FAQ

Is Michigan an at-fault state?

No, Michigan is not an at-fault state and requires drivers to buy no-fault auto insurance.
What are the required parts of a Michigan no-fault policy?

Michigan’s basic required policy has three parts: personal injury protection (PIP), property protection insurance (PPI) and residual liability (bodily injury and property damage).
If I’m in a crash in Michigan, who pays first for injuries?

In Michigan, PIP is designed to first pay for reasonable and necessary medical expenses, up to the policy’s selected maximum. It also covers certain wage loss and replacement services, subject to the policy terms.
What happens if I get pulled over driving without insurance in Michigan?

Driving without insurance is a crime in Michigan and is punishable as a misdemeanor with a fine up to $500 and up to one year in jail. The court may also order your license suspended for 30 days or until you provide proof of valid insurance.