Cheapest Car Insurance in Michigan for July 2025

Written by Ben Moore and 1 other
Updated Jul 2, 2025
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Cheapest Car Insurance in Michigan for July 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 Policy
33 Bristol West $138 July 2, 2025
44 Progressive $142 July 1, 2025
25 Progressive $325 July 1, 2025
19 Progressive $513 July 1, 2025
22 Progressive $805 July 1, 2025
58 Bristol West $118 July 1, 2025
33 Progressive $362 July 1, 2025
62 Bristol West $95 July 1, 2025
18 Progressive $262 July 1, 2025
54 National General $184 July 1, 2025
Last Updated Jul 2, 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 $263 $3,157
Mendota $293 $3,512
Progressive $311 $3,734
National General $383 $4,594
Bristol West $408 $4,897
Root $434 $5,212
Last Updated Jul 1, 2025

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 $409 $4,908
21-24 $358 $4,291
Last Updated Jul 2, 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 Policy
20 Bristol West $142 July 1, 2025
20 Bristol West $665 June 30, 2025
20 Progressive $226 June 29, 2025
20 Bristol West $188 June 18, 2025
20 Progressive $108 June 17, 2025
20 Progressive $443 June 6, 2025
20 Progressive $279 June 5, 2025
20 Progressive $213 June 4, 2025
20 Progressive $432 June 2, 2025
20 Bristol West $280 May 22, 2025
Last Updated Jul 2, 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 Policy
20 Progressive $674 June 27, 2025
20 Progressive $514 June 25, 2025
20 Progressive $239 June 16, 2025
20 Bristol West $317 June 12, 2025
20 Bristol West $133 June 9, 2025
20 Progressive $876 April 29, 2025
20 Progressive $563 April 17, 2025
20 Bristol West $254 April 13, 2025
20 Progressive $401 April 11, 2025
20 Progressive $306 April 1, 2025
Last Updated Jul 2, 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 $292 $3,503
35-44 $282 $3,384
45-54 $281 $3,370
Last Updated Jun 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 Policy
35 Bristol West $390 June 30, 2025
35 Bristol West $61 June 29, 2025
35 Progressive $74 June 24, 2025
35 Progressive $231 June 23, 2025
35 Progressive $325 June 21, 2025
35 Progressive $151 June 19, 2025
35 Progressive $147 June 19, 2025
35 Progressive $115 June 18, 2025
35 Progressive $106 June 18, 2025
35 Progressive $260 June 17, 2025
Last Updated Jul 2, 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 Policy
35 Progressive $1,004 July 1, 2025
35 Bristol West $250 July 1, 2025
35 Progressive $176 June 28, 2025
35 Bristol West $789 June 26, 2025
35 Progressive $581 June 25, 2025
35 Bristol West $626 June 24, 2025
35 Progressive $296 June 23, 2025
35 Progressive $580 June 21, 2025
35 Progressive $218 June 20, 2025
35 Bristol West $152 June 19, 2025
Last Updated Jul 2, 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 $3,050
65+ $246 $2,949
Last Updated Jul 2, 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 Policy
65 Bristol West $312 June 9, 2025
65 Safeco $156 June 9, 2025
65 Bristol West $175 May 31, 2025
65 Bristol West $237 May 26, 2025
65 Bristol West $204 May 20, 2025
65 Bristol West $265 May 3, 2025
65 National General $57 April 23, 2025
65 Bristol West $95 April 22, 2025
65 Progressive $178 April 17, 2025
65 Bristol West $147 April 3, 2025
Last Updated Jul 2, 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 Policy
65 Bristol West $116 June 27, 2025
65 National General $97 June 9, 2025
65 Bristol West $198 May 5, 2025
65 Progressive $146 April 15, 2025
65 Bristol West $234 March 27, 2025
65 Progressive $761 March 26, 2025
65 Progressive $483 March 22, 2025
65 Bristol West $162 January 23, 2025
65 Bristol West $487 January 21, 2025
65 Progressive $125 December 13, 2024
Last Updated Jul 2, 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
Aspire Advantage $112 $1,342
Aspen $182 $2,183
Dairyland $186 $2,229
Electric $187 $2,238
Safeco $202 $2,420
Last Updated Jul 2, 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
Safeco $169 $2,033
First Acceptance $236 $2,826
Progressive $245 $2,934
Bristol West $300 $3,603
National General $305 $3,665
Last Updated Jun 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
Aspire Advantage $76 $917
Gainsco $148 $1,781
Safeco $269 $3,228
Progressive $280 $3,363
Embark General $281 $3,372
Last Updated Jul 2, 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
Bristol West $1,125 36 BMW 330xi June 23, 2025
Progressive $265 27 Volkswagen Jetta June 22, 2025
Bristol West $998 30 FORD F250 June 16, 2025
Progressive $150 28 Nissan Armada June 13, 2025
National General $433 40 Chrysler Pacifica June 13, 2025
Progressive $578 33 Volkswagen Jetta May 30, 2025
Progressive $248 41 Chevrolet Impala May 26, 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
Last Updated Jul 2, 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
Bristol West $126 41 July 1, 2025
Bristol West $154 27 June 30, 2025
National General $511 47 June 29, 2025
Bristol West $127 27 June 26, 2025
Progressive $381 25 June 23, 2025
Bristol West $138 28 June 20, 2025
Progressive $206 32 June 18, 2025
Progressive $169 28 June 11, 2025
Progressive $127 42 June 10, 2025
Progressive $154 31 June 7, 2025
Last Updated Jul 2, 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 $304 $3,646
Defective Equipment $201 $2,414
Driving on Sus. License $232 $2,786
Eluding Police $369 $4,427
Failure to Obey Traffic Sign $262 $3,147
Last Updated Jun 28, 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

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.

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.