Key Takeaway
Bristol West and Progressive offer some of the cheapest car insurance in Michigan.
The average cost of minimum coverage in Michigan is $230.
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.
To find the best car insurance in Michigan, compare car insurance quotes from multiple insurers.
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
|
|---|---|---|---|---|
| 27 | Dodge RAM 1500 | Progressive | $88 | June 4, 2025 |
| 44 | Chrysler 300 | National General | $188 | June 4, 2025 |
| 33 | Dodge Grand Caravan | Progressive | $96 | June 4, 2025 |
| 27 | Ford Edge | Progressive | $775 | June 4, 2025 |
| 32 | Chrysler 200 | Progressive | $298 | June 4, 2025 |
| 26 | Dodge Caliber | Progressive | $455 | June 4, 2025 |
| 27 | Ford Fusion | Progressive | $143 | June 4, 2025 |
| 22 | Tesla Model 3 | Bristol West | $230 | June 4, 2025 |
| 33 | Chevrolet Equinox | Progressive | $530 | June 4, 2025 |
| 37 | Ford Fusion | Progressive | $229 | June 4, 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 |
| Gainsco | $241 | $2,886 |
| The General | $251 | $3,017 |
| Embark General | $252 | $3,020 |
| Safeco | $260 | $3,124 |
| Mendota | $293 | $3,512 |
| Progressive | $305 | $3,659 |
| National General | $377 | $4,518 |
| Bristol West | $409 | $4,905 |
| Root | $434 | $5,212 |
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 | $418 | $5,019 |
| 21-24 | $358 | $4,292 |
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 | KIA Soul | Bristol West | $351 | June 2, 2025 |
| 20 | Chevrolet Malibu | National General | $533 | June 2, 2025 |
| 20 | Mazda 3 | Progressive | $250 | May 22, 2025 |
| 20 | Ford Fusion | Bristol West | $300 | May 19, 2025 |
| 20 | Mazda Cx-7 | Bristol West | $287 | May 17, 2025 |
| 20 | Chevrolet Traverse | Bristol West | $304 | May 16, 2025 |
| 20 | Honda Cr-v | National General | $218 | May 8, 2025 |
| 20 | Chrysler 200 | Bristol West | $127 | May 4, 2025 |
| 20 | Toyota Prius | Progressive | $248 | April 28, 2025 |
| 20 | Chevrolet Malibu | Progressive | $924 | April 27, 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 | GMC Sierra | Progressive | $213 | June 4, 2025 |
| 20 | Jeep Renegade | Progressive | $437 | May 21, 2025 |
| 20 | Jeep Wrangler | Bristol West | $871 | May 16, 2025 |
| 20 | Chevrolet Malibu | Bristol West | $165 | May 13, 2025 |
| 20 | Lincoln Corsair | Bristol West | $693 | April 29, 2025 |
| 20 | VOLKSWAGEN ROUTAN | Bristol West | $463 | April 17, 2025 |
| 20 | Ford Focus | Progressive | $230 | April 15, 2025 |
| 20 | Chevrolet Impala | Bristol West | $254 | April 13, 2025 |
| 20 | Ford Escape | Bristol West | $454 | April 11, 2025 |
| 20 | Chevrolet Camaro | Progressive | $753 | April 4, 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 | $291 | $3,486 |
| 35-44 | $277 | $3,327 |
| 45-54 | $279 | $3,346 |
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 | Ford Fusion | Progressive | $73 | June 7, 2025 |
| 35 | Toyota Rav4 | Bristol West | $104 | June 2, 2025 |
| 35 | Nissan Rogue | Bristol West | $801 | May 31, 2025 |
| 35 | BUICK LESABRE | Bristol West | $175 | May 30, 2025 |
| 35 | Saab 9-3 | Progressive | $121 | May 29, 2025 |
| 35 | Dodge Durango | Bristol West | $176 | May 28, 2025 |
| 35 | Dodge RAM 1500 | Bristol West | $147 | May 27, 2025 |
| 35 | Dodge Caliber | Progressive | $109 | May 23, 2025 |
| 35 | Chevrolet Equinox | Bristol West | $325 | May 20, 2025 |
| 35 | Honda Civic | Bristol West | $145 | May 13, 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 | KIA Sedona | Bristol West | $312 | June 9, 2025 |
| 35 | Honda Accord | Progressive | $565 | June 8, 2025 |
| 35 | Ford F-150 | Bristol West | $256 | June 7, 2025 |
| 35 | Ford Taurus | Bristol West | $379 | June 3, 2025 |
| 35 | Tesla Model Y | Bristol West | $368 | June 3, 2025 |
| 35 | Jeep Grand Cherokee | Progressive | $152 | June 2, 2025 |
| 35 | Ford Explorer | Bristol West | $734 | May 27, 2025 |
| 35 | Chevrolet Malibu | Bristol West | $546 | May 26, 2025 |
| 35 | Nissan Rogue | Progressive | $317 | May 19, 2025 |
| 35 | Jeep Grand Cherokee | Bristol West | $595 | May 17, 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 | $254 | $3,053 |
| 65+ | $246 | $2,956 |
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 | Honda Accord | Progressive | $192 | May 31, 2025 |
| 65 | Chevrolet Trax | Bristol West | $237 | May 26, 2025 |
| 65 | CHRYSLER 300 | Bristol West | $204 | May 20, 2025 |
| 65 | Chevrolet Cruze | Bristol West | $265 | May 3, 2025 |
| 65 | GMC Sierra | Bristol West | $54 | April 23, 2025 |
| 65 | GMC Safari | Bristol West | $95 | April 22, 2025 |
| 65 | Chevrolet Equinox | Progressive | $178 | April 17, 2025 |
| 65 | Chevrolet Equinox | Progressive | $177 | April 3, 2025 |
| 65 | Ford Fiesta | Bristol West | $275 | March 25, 2025 |
| 65 | GMC Envoy | Progressive | $123 | March 11, 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 | $198 | May 5, 2025 |
| 65 | JEEP WRANGLER | Progressive | $146 | April 15, 2025 |
| 65 | Chevrolet Trax | Progressive | $200 | March 27, 2025 |
| 65 | Nissan Altima | Bristol West | $776 | March 26, 2025 |
| 65 | RAM 1500 | Bristol West | $622 | March 22, 2025 |
| 65 | Jeep Grand Cherokee | Bristol West | $171 | 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 | $177 | December 10, 2024 |
| 65 | Ford Explorer | Bristol West | $276 | 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 |
| Aspen | $182 | $2,183 |
| Electric | $187 | $2,238 |
| Embark General | $190 | $2,284 |
| Dairyland | $191 | $2,291 |
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
|
|---|---|---|
| Safeco | $147 | $1,762 |
| First Acceptance | $236 | $2,826 |
| Progressive | $238 | $2,861 |
| National General | $295 | $3,543 |
| Bristol West | $301 | $3,613 |
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
|
|---|---|---|
| Gainsco | $118 | $1,418 |
| Safeco | $268 | $3,215 |
| Progressive | $273 | $3,278 |
| National General | $293 | $3,517 |
| Bristol West | $342 | $4,099 |
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
|
|---|---|---|---|---|
| Progressive | $578 | 33 | Volkswagen Jetta | May 30, 2025 |
| Progressive | $248 | 41 | Chevrolet Impala | May 26, 2025 |
| Progressive | $172 | 26 | Hyundai Accent | May 21, 2025 |
| Bristol West | $206 | 23 | Nissan Altima | May 14, 2025 |
| Bristol West | $809 | 26 | Ford Fusion | May 2, 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 |
| Safeco | $522 | 80 | Chevrolet Blazer | February 14, 2025 |
| Bristol West | $1,051 | 24 | Chevrolet Trax | January 17, 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 | $161 | 31 | Cadillac Deville | June 7, 2025 |
| Bristol West | $128 | 33 | Chrysler PT Cruiser | June 5, 2025 |
| Bristol West | $236 | 24 | Ford Escape | June 5, 2025 |
| Progressive | $401 | 43 | Chevrolet Silverado | June 3, 2025 |
| Bristol West | $204 | 31 | CHEVROLET IMPALA | June 1, 2025 |
| Bristol West | $258 | 33 | Ford Edge | May 28, 2025 |
| National General | $169 | 33 | FORD EDGE | May 24, 2025 |
| Progressive | $53 | 42 | Subaru Impreza | May 21, 2025 |
| Bristol West | $287 | 46 | Ford F-150 | May 20, 2025 |
| Progressive | $153 | 25 | Chevrolet Cruze | May 16, 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 | $299 | $3,591 |
| Defective Equipment | $201 | $2,414 |
| Driving on Sus. License | $230 | $2,766 |
| Eluding Police | $369 | $4,427 |
| Failure to Obey Traffic Sign | $268 | $3,222 |
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.
