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
|
Insurance Company
|
Monthly Quote
|
Date of Quote
|
|---|---|---|---|
| 43 | Bristol West | $90 | August 7, 2025 |
| 34 | Progressive | $110 | August 6, 2025 |
| 43 | Progressive | $208 | August 6, 2025 |
| 31 | Bristol West | $64 | August 6, 2025 |
| 25 | Progressive | $147 | August 6, 2025 |
| 29 | Bristol West | $79 | August 6, 2025 |
| 29 | Bristol West | $79 | August 6, 2025 |
| 16 | National General | $446 | August 6, 2025 |
| 35 | Progressive | $236 | August 6, 2025 |
| 26 | Bristol West | $217 | August 6, 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 |
| Embark General | $208 | $2,498 |
| Anchor General | $221 | $2,652 |
| Gainsco | $225 | $2,695 |
| First Acceptance | $227 | $2,726 |
| Geico | $237 | $2,845 |
| National General | $243 | $2,914 |
| ROOT | $244 | $2,927 |
| Assurance America | $251 | $3,009 |
| Safeco | $297 | $3,570 |
Estimate car insurance costs
Enter your ZIP code to see what Jerry customers have been quoted for full coverage, on average.
Average monthly quote: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
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 | $471 | $5,654 |
| 21-24 | $348 | $4,174 |
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 | Progressive | $167 | August 5, 2025 |
| 20 | Geico | $196 | August 5, 2025 |
| 20 | Progressive | $194 | August 5, 2025 |
| 20 | Progressive | $117 | August 5, 2025 |
| 20 | National General | $119 | August 4, 2025 |
| 20 | Progressive | $197 | August 4, 2025 |
| 20 | Geico | $217 | August 4, 2025 |
| 20 | Bristol West | $125 | August 3, 2025 |
| 20 | Bristol West | $90 | August 3, 2025 |
| 20 | Progressive | $165 | August 3, 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 | $237 | August 5, 2025 |
| 20 | Bristol West | $628 | August 5, 2025 |
| 20 | Progressive | $507 | August 5, 2025 |
| 20 | Progressive | $377 | August 5, 2025 |
| 20 | Bristol West | $355 | August 4, 2025 |
| 20 | Bristol West | $233 | August 4, 2025 |
| 20 | Progressive | $530 | August 4, 2025 |
| 20 | Liberty Mutual | $729 | August 3, 2025 |
| 20 | Progressive | $224 | August 3, 2025 |
| 20 | Progressive | $225 | August 3, 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 | $279 | $3,347 |
| 35-44 | $249 | $2,993 |
| 45-54 | $250 | $2,996 |
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 | National General | $87 | August 5, 2025 |
| 35 | Bristol West | $256 | August 5, 2025 |
| 35 | Progressive | $270 | August 3, 2025 |
| 35 | Bristol West | $105 | August 2, 2025 |
| 35 | Bristol West | $128 | August 2, 2025 |
| 35 | Bristol West | $104 | August 2, 2025 |
| 35 | Progressive | $250 | August 2, 2025 |
| 35 | Bristol West | $194 | August 2, 2025 |
| 35 | Bristol West | $80 | August 1, 2025 |
| 35 | Bristol West | $147 | July 31, 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 | $167 | August 5, 2025 |
| 35 | Bristol West | $583 | August 5, 2025 |
| 35 | Progressive | $531 | August 3, 2025 |
| 35 | Liberty Mutual | $741 | August 2, 2025 |
| 35 | Progressive | $251 | August 2, 2025 |
| 35 | Progressive | $203 | August 2, 2025 |
| 35 | Bristol West | $372 | August 2, 2025 |
| 35 | Progressive | $564 | August 2, 2025 |
| 35 | Progressive | $198 | August 1, 2025 |
| 35 | Geico | $148 | July 31, 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 | $246 | $2,946 |
| 65+ | $218 | $2,619 |
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 | $58 | August 5, 2025 |
| 65 | Progressive | $260 | August 4, 2025 |
| 65 | Progressive | $368 | August 4, 2025 |
| 65 | Bristol West | $52 | July 30, 2025 |
| 65 | Liberty Mutual | $642 | July 25, 2025 |
| 65 | National General | $78 | July 24, 2025 |
| 65 | Progressive | $37 | July 22, 2025 |
| 65 | Liberty Mutual | $77 | July 18, 2025 |
| 65 | National General | $72 | July 18, 2025 |
| 65 | Bristol West | $90 | July 17, 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 | $99 | August 5, 2025 |
| 65 | Progressive | $314 | August 4, 2025 |
| 65 | Bristol West | $498 | August 4, 2025 |
| 65 | Bristol West | $160 | July 30, 2025 |
| 65 | Liberty Mutual | $1,175 | July 25, 2025 |
| 65 | National General | $197 | July 24, 2025 |
| 65 | National General | $107 | July 22, 2025 |
| 65 | National General | $162 | July 18, 2025 |
| 65 | Progressive | $99 | July 18, 2025 |
| 65 | Progressive | $192 | July 17, 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 | $161 | $1,928 |
| Embark General | $162 | $1,949 |
| Anchor General | $175 | $2,099 |
| Gainsco | $177 | $2,122 |
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 |
| Safeco | $147 | $1,759 |
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 | $225 | $2,702 |
| Progressive | $303 | $3,639 |
| Gainsco | $305 | $3,656 |
| National General | $311 | $3,731 |
| Dairyland | $313 | $3,754 |
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 | $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 |
| Bristol West | $189 | 42 | Buick Regal | January 31, 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 | $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 |
| Progressive | $217 | 41 | July 23, 2025 |
| Bristol West | $1,677 | 20 | July 19, 2025 |
| Progressive | $110 | 39 | July 16, 2025 |
| Progressive | $188 | 47 | July 14, 2025 |
| Bristol West | $506 | 24 | July 3, 2025 |
| Bristol West | $226 | 41 | July 1, 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 | $302 | $3,621 |
| Defective Equipment | $218 | $2,617 |
| Driving on Sus. License | $244 | $2,924 |
| Eluding Police | $369 | $4,427 |
| Failure to Obey Traffic Sign | $319 | $3,825 |
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.
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 6 months for drivers with a clean record and that have full coverage, unless stated otherwise. Data related to violations, accidents or credit scores pull from quote data from 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 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.
