Cheapest Car Insurance in Michigan for September 2025

Written by Ben Moore and 1 other
Updated Sep 20, 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
63 Geico $178 September 17, 2025
30 Progressive $129 September 17, 2025
21 Bristol West $359 September 17, 2025
55 Geico $102 September 17, 2025
28 Geico $112 September 17, 2025
33 Progressive $197 September 17, 2025
42 Progressive $164 September 17, 2025
31 Progressive $72 September 17, 2025
53 Progressive $205 September 17, 2025
40 Progressive $373 September 17, 2025
Last Updated Sept. 19, 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 $117 $1,406
Kemper $138 $1,652
First Acceptance $198 $2,380
Embark General $216 $2,596
Assurance America $217 $2,602
Geico $238 $2,859
National General $247 $2,960
Safeco $262 $3,147
ROOT $273 $3,275
Clearcover $300 $3,603
Last Updated Sept. 18, 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 $458 $5,498
21-24 $336 $4,037
$198 $2,380
$216 $2,596
$217 $2,602
$238 $2,859
$247 $2,960
$262 $3,147
$273 $3,275
$300 $3,603
Last Updated Sept. 18, 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 Bristol West $342 September 19, 2025
20 Bristol West $122 September 19, 2025
20 Bristol West $93 September 17, 2025
20 Liberty Mutual $69 September 16, 2025
20 Bristol West $418 September 16, 2025
20 Bristol West $243 September 14, 2025
20 National General $232 September 14, 2025
20 Bristol West $232 September 13, 2025
20 Progressive $121 September 11, 2025
20 Progressive $125 September 9, 2025
Last Updated Sept. 21, 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 Progressive $377 September 16, 2025
20 Progressive $668 September 16, 2025
20 Progressive $398 September 14, 2025
20 Progressive $152 September 14, 2025
20 Progressive $642 September 13, 2025
20 National General $458 September 11, 2025
20 National General $404 September 9, 2025
20 Bristol West $255 September 9, 2025
20 Progressive $578 September 8, 2025
20 Progressive $914 September 8, 2025
Last Updated Sept. 18, 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 $270 $3,244
35-44 $243 $2,919
45-54 $247 $2,959
$216 $2,596
$217 $2,602
$238 $2,859
$247 $2,960
$262 $3,147
$273 $3,275
$300 $3,603
Last Updated Sept. 21, 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 Bristol West $181 September 17, 2025
35 Progressive $249 September 17, 2025
35 Bristol West $102 September 17, 2025
35 Progressive $130 September 17, 2025
35 National General $107 September 17, 2025
35 Bristol West $94 September 17, 2025
35 Liberty Mutual $109 September 16, 2025
35 National General $110 September 16, 2025
35 Progressive $367 September 16, 2025
35 National General $86 September 14, 2025
Last Updated Sept. 19, 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 Liberty Mutual $813 September 17, 2025
35 Bristol West $457 September 17, 2025
35 Progressive $175 September 17, 2025
35 National General $175 September 17, 2025
35 Geico $123 September 17, 2025
35 Progressive $187 September 17, 2025
35 Progressive $258 September 16, 2025
35 Progressive $628 September 16, 2025
35 Geico $122 September 14, 2025
35 Geico $129 September 14, 2025
Last Updated Sept. 19, 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 $245 $2,941
65+ $219 $2,628
45-54 $247 $2,959
$216 $2,596
$217 $2,602
$238 $2,859
$247 $2,960
$262 $3,147
$273 $3,275
$300 $3,603
Last Updated Sept. 18, 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 Safeco $164 September 9, 2025
65 Bristol West $52 September 8, 2025
65 Bristol West $172 September 4, 2025
65 Progressive $45 September 2, 2025
65 Bristol West $181 September 2, 2025
65 National General $85 September 1, 2025
65 Bristol West $262 August 28, 2025
65 Progressive $59 August 28, 2025
65 Bristol West $92 August 27, 2025
65 Geico $398 August 26, 2025
Last Updated Sept. 18, 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 Geico $212 September 18, 2025
65 Bristol West $364 September 9, 2025
65 Liberty Mutual $95 September 8, 2025
65 Bristol West $368 September 4, 2025
65 Bristol West $105 September 2, 2025
65 Liberty Mutual $300 September 2, 2025
65 National General $200 September 1, 2025
65 Liberty Mutual $707 August 28, 2025
65 Progressive $105 August 28, 2025
65 Liberty Mutual $437 August 27, 2025
Last Updated Sept. 21, 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 $89 $1,066
Kemper $120 $1,442
Assurance America $165 $1,983
Embark General $165 $1,983
National General $196 $2,355
Liberty Mutual $238 $2,859
National General $247 $2,960
Liberty Mutual $262 $3,147
Progressive $273 $3,275
Liberty Mutual $300 $3,603
Last Updated Sept. 21, 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
Electric $99 $1,191
The General $102 $1,223
Commonwealth Insurance $105 $1,263
ROOT $113 $1,354
Assurance America $127 $1,527
Liberty Mutual $238 $2,859
National General $247 $2,960
Liberty Mutual $262 $3,147
Progressive $273 $3,275
Liberty Mutual $300 $3,603
Last Updated September 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 $219 $2,624
Progressive $301 $3,611
Gainsco $305 $3,656
National General $317 $3,801
Bristol West $355 $4,262
Liberty Mutual $238 $2,859
National General $247 $2,960
Liberty Mutual $262 $3,147
Progressive $273 $3,275
Liberty Mutual $300 $3,603
Last Updated Sept. 21, 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 $389 23 Ford Edge September 17, 2025
Bristol West $414 25 Chevrolet Traverse September 8, 2025
Progressive $854 34 Chevrolet Equinox September 2, 2025
Bristol West $266 28 Toyota Prius August 29, 2025
Bristol West $276 80 Chevrolet Blazer August 28, 2025
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
Last Updated Sept. 18, 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 Quote
Bristol West $172 54 September 12, 2025
Progressive $104 55 September 8, 2025
Bristol West $458 24 September 8, 2025
Progressive $232 32 September 5, 2025
Bristol West $78 36 September 2, 2025
Progressive $220 36 September 1, 2025
Bristol West $288 22 August 30, 2025
National General $231 44 August 27, 2025
Progressive $97 40 August 27, 2025
Progressive $138 27 August 26, 2025
Last Updated September 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 $263 $3,161
Defective Equipment $310 $3,725
Driving on Sus. License $259 $3,102
Failure to Obey Traffic Sign $270 $3,246
Illegal Turn $312 $3,745
Improper Passing $429 $5,150
Leaving scene of an Accident/Hit and Run $241 $2,896
Open Container $130 $1,559
Other $318 $3,818
Passing School Bus $315 $3,781
Reckless Driving $176 $2,109
Suspension $246 $2,953
Last Updated September 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.
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