Cheapest Car Insurance in Michigan for September 2025

Written by Ben Moore and 1 other
Updated Aug 28, 2025
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Cheapest Car Insurance in Michigan for September 2025

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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.

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
Insurance Company
Monthly Quote
Date of Quote
21 Bristol West $349 August 26, 2025
26 Progressive $185 August 26, 2025
43 National General $81 August 26, 2025
36 Bristol West $208 August 26, 2025
45 National General $141 August 26, 2025
30 Progressive $174 August 26, 2025
34 Safeco $79 August 26, 2025
63 Bristol West $242 August 26, 2025
27 Bristol West $172 August 26, 2025
42 National General $99 August 26, 2025
Last Updated Aug. 28, 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
Bluefire $159 $1,907
Clearcover $190 $2,282
Embark General $216 $2,596
First Acceptance $227 $2,726
Geico $237 $2,840
ROOT $238 $2,852
Assurance America $238 $2,861
National General $244 $2,929
Gainsco $251 $3,011
Anchor General $262 $3,138
Last Updated Aug. 26, 2025

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Methodology

Jerry's editorial team analyzed Jerry customer quotes to find the median full coverage quote, by ZIP code. We looked at customers driving popular vehicles, including the Ford-150, Honda Accord, Nissan Altima, RAM 1500, Toyota Camry and Toyota RAV4 . We also used the following base driver profile:

  • 35-45 years old.
  • Clean driving record.
  • $50,000 in bodily injury liability, per person.
  • $100,000 in bodily injury liability, per accident.
  • $1,000 deductible for comprehensive and collision insurance.

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 $456 $5,477
21-24 $341 $4,091
$216 $2,596
$227 $2,726
$237 $2,840
$238 $2,852
$238 $2,861
$244 $2,929
$251 $3,011
$262 $3,138
Last Updated Aug. 26, 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
Insurance Company
Monthly Quote
Date of Quote
20 National General $195 August 23, 2025
20 Progressive $323 August 21, 2025
20 Progressive $82 August 21, 2025
20 Bristol West $104 August 20, 2025
20 Progressive $438 August 19, 2025
20 Bristol West $82 August 18, 2025
20 Progressive $223 August 18, 2025
20 Progressive $318 August 18, 2025
20 Bristol West $279 August 13, 2025
20 Progressive $438 August 11, 2025
Last Updated Aug. 28, 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
Insurance Company
Monthly Quote
Date of Quote
20 National General $557 August 23, 2025
20 Bristol West $465 August 21, 2025
20 Bristol West $231 August 21, 2025
20 National General $1,044 August 20, 2025
20 Liberty Mutual $731 August 19, 2025
20 Bristol West $287 August 18, 2025
20 Progressive $353 August 18, 2025
20 Progressive $434 August 18, 2025
20 Progressive $1,135 August 13, 2025
20 Progressive $794 August 11, 2025
Last Updated Aug. 26, 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 $275 $3,305
35-44 $247 $2,968
45-54 $246 $2,954
$227 $2,726
$237 $2,840
$238 $2,852
$238 $2,861
$244 $2,929
$251 $3,011
$262 $3,138
Last Updated Aug. 28, 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
Insurance Company
Monthly Quote
Date of Quote
35 Progressive $204 August 25, 2025
35 Progressive $176 August 25, 2025
35 Bristol West $89 August 24, 2025
35 Progressive $277 August 24, 2025
35 Progressive $179 August 24, 2025
35 Progressive $108 August 23, 2025
35 Progressive $140 August 23, 2025
35 Bristol West $231 August 23, 2025
35 National General $132 August 22, 2025
35 Geico $192 August 22, 2025
Last Updated Aug. 28, 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
Insurance Company
Monthly Quote
Date of Quote
35 Bristol West $562 August 25, 2025
35 Progressive $346 August 25, 2025
35 Progressive $135 August 24, 2025
35 Progressive $1,045 August 24, 2025
35 Progressive $224 August 24, 2025
35 Progressive $319 August 23, 2025
35 Bristol West $236 August 23, 2025
35 Geico $650 August 23, 2025
35 Progressive $409 August 22, 2025
35 Progressive $281 August 22, 2025
Last Updated Aug. 28, 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 $243 $2,919
65+ $217 $2,608
45-54 $246 $2,954
$227 $2,726
$237 $2,840
$238 $2,852
$238 $2,861
$244 $2,929
$251 $3,011
$262 $3,138
Last Updated Aug. 26, 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
Insurance Company
Monthly Quote
Date of Quote
65 National General $63 August 24, 2025
65 Safeco $92 August 24, 2025
65 Progressive $68 August 24, 2025
65 Geico $321 August 22, 2025
65 Progressive $42 August 19, 2025
65 Bristol West $65 August 19, 2025
65 National General $113 August 18, 2025
65 Bristol West $66 August 18, 2025
65 Geico $103 August 17, 2025
65 Progressive $95 August 15, 2025
Last Updated Aug. 26, 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
Insurance Company
Monthly Quote
Date of Quote
65 Liberty Mutual $128 August 26, 2025
65 Progressive $67 August 25, 2025
65 Progressive $129 August 24, 2025
65 Liberty Mutual $174 August 24, 2025
65 Bristol West $126 August 24, 2025
65 Progressive $728 August 22, 2025
65 Liberty Mutual $173 August 19, 2025
65 Liberty Mutual $333 August 19, 2025
65 National General $228 August 18, 2025
65 Progressive $95 August 18, 2025
Last Updated Aug. 28, 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
Bluefire $122 $1,466
First Acceptance $162 $1,940
Embark General $165 $1,983
Assurance America $184 $2,203
Clearcover $185 $2,224
Progressive $238 $2,852
Liberty Mutual $238 $2,861
Liberty Mutual $244 $2,929
National General $251 $3,011
Progressive $262 $3,138
Last Updated Aug. 28, 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
Trexis $73 $879
Commonwealth Insurance $98 $1,172
The General $122 $1,462
Clearcover $123 $1,477
ROOT $151 $1,806
Progressive $238 $2,852
Liberty Mutual $238 $2,861
Liberty Mutual $244 $2,929
National General $251 $3,011
Progressive $262 $3,138
Last Updated Aug. 28, 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
Safeco $226 $2,715
Progressive $302 $3,626
Gainsco $305 $3,656
Dairyland $313 $3,754
National General $316 $3,789
Progressive $238 $2,852
Liberty Mutual $238 $2,861
Liberty Mutual $244 $2,929
National General $251 $3,011
Progressive $262 $3,138
Last Updated Aug. 29, 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
National General $643 53 Nissan Murano August 6, 2025
Bristol West $1,125 36 Bmw 330xi June 23, 2025
Progressive $208 28 Nissan Armada June 13, 2025
Bristol West $104 35 Toyota Rav4 June 2, 2025
Bristol West $757 33 Volkswagen Jetta May 30, 2025
Bristol West $523 41 Chevrolet Impala May 26, 2025
Progressive $347 23 Nissan Altima May 14, 2025
Bristol West $809 26 Ford Fusion May 2, 2025
Progressive $311 60 Kia Sedona March 27, 2025
Bristol West $385 27 Mitsubishi Outlander March 12, 2025
Last Updated Aug. 27, 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
Date of Policy
Progressive $190 44 August 27, 2025
Bristol West $290 40 August 27, 2025
Progressive $397 27 August 26, 2025
Progressive $93 33 August 26, 2025
Bristol West $117 38 August 19, 2025
Progressive $615 27 August 10, 2025
Bristol West $185 33 August 6, 2025
Bristol West $149 46 August 6, 2025
Bristol West $140 28 July 31, 2025
Progressive $136 38 July 31, 2025
Last Updated Aug. 29, 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 $294 $3,522
Defective Equipment $218 $2,617
Driving on Sus. License $248 $2,970
Eluding Police $369 $4,427
Failure to Obey Traffic Sign $313 $3,755
Illegal Turn $330 $3,961
Improper Passing $340 $4,085
Leaving scene of an Accident/Hit and Run $246 $2,956
Open Container $115 $1,378
Other $315 $3,775
Passing School Bus $386 $4,635
Suspension $312 $3,745
Wrong Way/Wrong Lane $815 $9,774
Last Updated Aug. 29, 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 2021 Insurance Research Council report, more than 25% 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

Cheapest car insurance data methodology

To find the cheapest car insurance in each state, we use proprietary, real-world quotes from drivers — not third-party estimates. Each shopping journey includes multiple rounds of quotes, with information verified along the way.

At every stage, we aggregate and anonymize data to protect privacy and ensure accuracy. Because Jerry has delivered millions of quotes, often with multiple offers per driver, our datasets are large enough to avoid bias toward any one region, carrier or driver type.

Unlike other sites that rely on modeled rates, Jerry is a licensed insurance broker in 48 states, giving us firsthand visibility into how quotes are generated and validated.

On this page

Unless otherwise stated, rates reflect the last six months of verified full-coverage quotes for clean-record drivers. Data involving accidents or credit uses the last 18 months to ensure reliability.

Read more about Jerry’s data gathering and verification processes

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 with more than a decade of experience writing and editing digital content. Before joining Jerry, she was an assistant assigning editor at NerdWallet. Her past work has appeared in the Associated Press, USA Today and The Washington Post. Her work has been cited by Northwestern University and Harvard Kennedy School. Annie served as a spokesperson for NerdWallet during her time at NerdWallet and has been featured in New York Magazine, MarketWatch and on local television and radio stations.

Previously, she worked at USAA and newspapers in Minnesota, North Dakota, California and Texas. She has 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.