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
|
|---|
|
Age
|
Insurance Company
|
Monthly Quote
|
Date of Quote
|
|---|---|---|---|
| 26 | $114 | 11/15/25 | |
| 31 | $305 | 11/14/25 | |
| 42 | $128 | 11/14/25 | |
| 52 | $73 | 11/14/25 | |
| 35 | $200 | 11/14/25 | |
| 45 | $105 | 11/14/25 | |
| 26 | $166 | 11/14/25 | |
| 36 | $156 | 11/14/25 | |
| 29 | $63 | 11/14/25 | |
| 45 | $171 | 11/14/25 |
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
|
|---|
|
Insurance Company
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| $237 | $2,849 | |
| $269 | $3,226 | |
| $270 | $3,234 | |
| $326 | $3,908 | |
| $327 | $3,928 | |
| $386 | $4,632 | |
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
|
|---|
|
Age Group
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| 18-20 | $466 | $5,594 |
| 21-24 | $338 | $4,061 |
| $270 | $3,234 | |
| $326 | $3,908 | |
| $327 | $3,928 | |
| $386 | $4,632 | |
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
|
|---|
|
Age
|
Insurance Company
|
Monthly Quote
|
Date of Quote
|
|---|---|---|---|
| 20 | $118 | 11/17/25 | |
| 20 | $94 | 11/17/25 | |
| 20 | $482 | 11/17/25 | |
| 20 | $91 | 11/16/25 | |
| 20 | $216 | 11/16/25 | |
| 20 | $489 | 11/15/25 | |
| 20 | $259 | 11/13/25 | |
| 20 | $173 | 11/13/25 | |
| 20 | $444 | 11/12/25 | |
| 20 | $107 | 11/11/25 |
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
|
|---|
|
Age
|
Insurance Company
|
Monthly Quote
|
Date of Quote
|
|---|---|---|---|
| 20 | $368 | 11/13/25 | |
| 20 | $348 | 11/13/25 | |
| 20 | $723 | 11/12/25 | |
| 20 | $612 | 11/11/25 | |
| 20 | $687 | 11/11/25 | |
| 20 | $261 | 11/10/25 | |
| 20 | $542 | 11/10/25 | |
| 20 | $371 | 11/07/25 | |
| 20 | $699 | 11/07/25 | |
| 20 | $874 | 11/06/25 |
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
|
|---|
|
Age Group
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| 25-34 | $275 | $3,303 |
| 35-44 | $249 | $2,983 |
| 45-54 | $248 | $2,975 |
| $326 | $3,908 | |
| $327 | $3,928 | |
| $386 | $4,632 | |
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
|
|---|
|
Age
|
Insurance Company
|
Monthly Quote
|
Date of Quote
|
|---|---|---|---|
| 35 | $200 | 11/14/25 | |
| 35 | $498 | 11/14/25 | |
| 35 | $111 | 11/13/25 | |
| 35 | $67 | 11/11/25 | |
| 35 | $117 | 11/10/25 | |
| 35 | $66 | 11/10/25 | |
| 35 | $93 | 11/10/25 | |
| 35 | $200 | 11/09/25 | |
| 35 | $89 | 11/08/25 | |
| 35 | $73 | 11/08/25 |
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
|
|---|
|
Age
|
Insurance Company
|
Monthly Quote
|
Date of Quote
|
|---|---|---|---|
| 35 | $1,074 | 11/14/25 | |
| 35 | $156 | 11/13/25 | |
| 35 | $250 | 11/11/25 | |
| 35 | $277 | 11/10/25 | |
| 35 | $184 | 11/10/25 | |
| 35 | $211 | 11/10/25 | |
| 35 | $340 | 11/09/25 | |
| 35 | $158 | 11/08/25 | |
| 35 | $98 | 11/08/25 | |
| 35 | $308 | 11/08/25 |
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
|
|---|
|
Age Group
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| 55-64 | $244 | $2,932 |
| 65+ | $228 | $2,734 |
| 45-54 | $248 | $2,975 |
| $326 | $3,908 | |
| $327 | $3,928 | |
| $386 | $4,632 | |
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
|
|---|
|
Age
|
Insurance Company
|
Monthly Quote
|
Date of Quote
|
|---|---|---|---|
| 65 | $54 | 11/13/25 | |
| 65 | $53 | 11/12/25 | |
| 65 | $36 | 11/09/25 | |
| 65 | $276 | 11/03/25 | |
| 65 | $278 | 11/02/25 | |
| 65 | $68 | 11/02/25 | |
| 65 | $128 | 10/31/25 | |
| 65 | $181 | 10/30/25 | |
| 65 | $49 | 10/29/25 | |
| 65 | $73 | 10/24/25 |
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
|
|---|
|
Age
|
Insurance Company
|
Monthly Quote
|
Date of Quote
|
|---|---|---|---|
| 65 | $110 | 11/15/25 | |
| 65 | $476 | 11/15/25 | |
| 65 | $197 | 11/13/25 | |
| 65 | $113 | 11/12/25 | |
| 65 | $167 | 11/09/25 | |
| 65 | $447 | 11/03/25 | |
| 65 | $275 | 11/02/25 | |
| 65 | $305 | 11/02/25 | |
| 65 | $249 | 10/31/25 | |
| 65 | $330 | 10/30/25 |
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
|
|---|
|
Insurance Company
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| $209 | $2,502 | |
| $212 | $2,546 | |
| $231 | $2,777 | |
| $276 | $3,317 | |
| $279 | $3,342 | |
| $386 | $4,632 | |
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
|
|---|
|
Insurance Company
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| $242 | $2,899 | |
| $257 | $3,080 | |
| $264 | $3,162 | |
| $308 | $3,700 | |
| $327 | $3,922 | |
| $386 | $4,632 | |
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
|
|---|
|
Insurance Company
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| $307 | $3,687 | |
| $320 | $3,839 | |
| $356 | $4,266 | |
| $374 | $4,491 | |
| $327 | $3,922 | |
| $386 | $4,632 | |
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
|
|---|
|
Insurance Company
|
Monthly Quote
|
Age
|
Car Make and Model
|
Date of Policy
|
|---|---|---|---|---|
| $254 | 53 | Honda Civic Hybrid | 11/08/25 | |
| $201 | 30 | Chevrolet Classic | 11/03/25 | |
| $172 | 27 | Ford Fusion S Hybrid | 10/27/25 | |
| $350 | 23 | Pontiac Vibe | 10/22/25 | |
| $338 | 42 | Chevrolet Traverse Lt | 10/15/25 | |
| $181 | 31 | Ford Expedition El Xlt | 10/14/25 | |
| $325 | 57 | Chevrolet Equinox Lt | 10/05/25 | |
| $566 | 28 | Nissan Altima Sl | 09/20/25 | |
| $142 | 28 | Toyota Prius C | 09/09/25 | |
| $117 | 31 | Chevrolet Cruze Lt | 09/08/25 |
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
|
|---|
|
Insurance Company
|
Monthly Quote
|
Age
|
Date of Quote
|
|---|---|---|---|
| $114 | 27 | 11/17/25 | |
| $294 | 27 | 11/16/25 | |
| $143 | 37 | 11/15/25 | |
| $166 | 27 | 11/15/25 | |
| $578 | 31 | 11/15/25 | |
| $246 | 29 | 11/14/25 | |
| $75 | 27 | 11/14/25 | |
| $112 | 25 | 11/13/25 | |
| $333 | 26 | 11/13/25 | |
| $388 | 36 | 11/12/25 |
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
|
|---|
|
Violation Summary
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| Racing/Drag Racing | $569 | $6,830 |
| Eluding Police | $637 | $7,645 |
| Careless Driving | $341 | $4,095 |
| Open Container | $137 | $1,648 |
| Driving on Sus. License | $302 | $3,629 |
| Leaving scene of an Accident/Hit and Run | $244 | $2,924 |
| Reckless Driving | $175 | $2,104 |
| Passing School Bus | $235 | $2,816 |
| Suspension | $298 | $3,581 |
| Failure to Obey Traffic Sign | $294 | $3,527 |
| Improper Passing | $421 | $5,054 |
| Other | $335 | $4,017 |
| Vehicle Theft | $180 | $2,166 |
| Defective Equipment | $310 | $3,725 |
| Wrong Way/Wrong Lane | $1,196 | $14,356 |
| Illegal Turn | $376 | $4,518 |
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
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
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.
