Good news for Michigan drivers: Jerry’s latest data shows that liability coverage in the Great Lakes State averages about $145 per month. Since Michigan requires drivers to carry personal injury protection (PIP) and offers multiple PIP levels under the state’s reformed no-fault system, prices vary widely depending on the limits you choose. Over the past year we’ve helped 29,808 Michiganders lower their costs, and those who switch with Jerry save an average of $538 per year without losing the protection they need.
Jerry compares quotes from up to 6 trusted insurers in Michigan to build your policy and help you secure your best price in minutes.
Save on Michigan insurance with Jerry.
What Michigan drivers are paying right now
Insurance prices in Michigan move more than in many states. Different PIP choices, medical cost factors, theft rates in Detroit and growing repair costs across Michigan all influence what you pay. Even two drivers with similar profiles can see very different premiums depending on where they live, from Grand Rapids suburbs to Metro Detroit traffic.
Jerry tracks live quotes statewide to show you what drivers are actually paying today. Here are some recent full coverage policies purchased through Jerry and what those drivers paid.
Recent quotes
Based on Jerry customers with clean driving records who found savings in the past 12 months. Savings vary by state, coverage, driver profile and other factors.
Key takeaway: Check your rate periodically. In Michigan, everything from winter storms to vehicle theft trends to changes in your PIP selection can influence your renewal price.
4 easy ways Jerry helps Michigan drivers save on car insurance
Finding the cheapest number on a screen isn’t the real goal. Smart savings come from understanding what shapes your Michigan rate, especially how insurers price PIP levels, and adjusting only what you can safely change.
Jerry makes that simple by comparing real offers, surfacing discounts you may not know you qualify for and showing you exactly where you can cut costs without undermining your protection.
Here are our top tips to help you spend less and worry less.
| How to save | Average Michigan driver savings |
|---|---|
| Compare quotes | 37% to 47% |
| Stack discounts | 28% to 52%* |
| Pick the right deductible | 13% to 71%* |
| Avoid a coverage lapse | 8% |
*Among all Jerry drivers nationwide.
Based on Jerry customers with clean driving records who found savings in the past 12 months. Savings vary by state, coverage, driver profile and other factors.
Jerry Agent Tip 1: Compare quotes from multiple insurers
Michigan’s insurance pricing is shaped by more variables than most states. PIP medical limits, catastrophic claims coverage, high theft rates in certain ZIP codes, harsh winters and congested commuter corridors all drive rates. Since each insurer weighs these risks differently, the price gap between your cheapest and most expensive quote can be dramatic.
Comparing quotes side-by-side with Jerry is the fastest way to make sure you aren’t overspending.
Here’s where Michigan drivers who saved most often switched after checking their rates with Jerry:
| Insurance carrier | Michigan drivers who switched | Average Jerry savings |
|---|---|---|
| Progressive | 61% | 33% |
| Bristol West | 26% | 36% |
| National General | 4% | 43% |
Based on Jerry customers with clean driving records who found savings in the past 12 months. Savings vary by state, coverage, driver profile and other factors.
Why it matters: A few miles can mean a big difference — Detroit drivers often see far higher theft and injury claim costs than those in Kalamazoo or Traverse City. Jerry shows you those pricing gaps instantly so you can choose your best deal.
Jerry Agent Tip 2: Combine discounts for a cheaper rate
Most Michigan drivers qualify for several discounts like paperless billing, safe-driver incentives, multi-vehicle policies, student savings and anti-theft devices (especially worthwhile in areas with higher theft rates). But insurers don’t always apply all the discounts you qualify for.
Jerry spots those savings for you so discounts don’t get overlooked.
Key takeaway: Stacking discounts often beats raising your deductible alone.
Jerry Agent Tip 3: Pick the right deductible
Choosing the right deductible is one of the easiest ways to influence your premium. Michigan’s winters can lead to slick roads, icy fender benders and deer-related claims, so the key is to select a deductible you can genuinely afford.
Here’s what Jerry drivers chose for their deductibles in the past year:
To find your ideal deductible:
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Review your car’s value (Jerry updates this monthly).
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Choose an out-of-pocket number you can realistically handle.
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Compare how each deductible level changes your rate in real time.
The Jerry difference: Jerry displays real-time savings across multiple deductible options so you can choose the right balance of cost and protection.
Jerry Agent Tip 4: Avoid a lapse in coverage
A short break in insurance coverage has long-term consequences in Michigan. Jerry data shows that even a brief lapse raises premiums by 8% on average, and some insurers increase rates even more. The smartest move is choosing a policy that fits your budget month after month so you’re never forced to drop coverage.
Jerry helps you compare real-time prices across multiple coverage levels so you can choose something sustainable. Once you’re covered, we’ll help you stay on top of your policy to keep the price competitive.
Based on drivers with no accidents or violations who saved with Jerry over the past 12 months. Not all customers find savings. Savings depend on state, policy features, coverage, driving history and other factors.
Get personalized car insurance rates now.
How to get better coverage without overpaying
Michigan is a reformed no-fault state, which means drivers choose their PIP medical limit but must also carry liability, property protection insurance (PPI) and uninsured/underinsured motorist coverage. These are the coverage options you’ll see when shopping:
Minimum
$85 – $187/mo
Meets Michigan’s liability requirements, including PPI and PIP at your preferred levels.
Full
$164 – $344/mo
Adds collision and comprehensive, often required if your car is financed or leased.
Preferred
$220 – $478/mo
Offers higher liability limits, lower deductibles and valuable add-ons like towing or rental coverage.
Key takeaway: Start with your comfort around risk, your PIP needs and your vehicle’s value. Jerry shows real-time prices for each tier so you can choose confidently.
The cheapest Michigan policy is minimum liability plus PPI with your selected PIP limit. However, adding collision or comprehensive is often worth it in a state with severe winters and high theft rates.
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Coverage definitions
Michigan insurance factors at a glance
Michigan’s blend of severe winters and high vehicle theft makes insurance more complex than in most states, and that’s before PIP choices enter the picture. Insurers weigh these risks heavily, which is why ZIP code pricing can swing dramatically.
Weather exposure
Heavy snow, ice and freeze-thaw cycles increase crash frequence, and the need for collision coverage.
Theft rates
Detroit tops national rankings for stolen vehicles, so comprehensive protects your investment.
PIP structure
Your chosen medical coverage limit has a major impact on price, but also how much protection you have after a crash.
Uninsured drivers
Over 22% of Michigan drivers are uninsured, making UM/UIM coverage essential.
Michigan Insurance After a Ticket, Accident or SR-22
Jerry ensures that one mistake doesn’t define your rate for years. We work with insurers that weigh your entire profile, not just your last violation. We also help you re-shop your policy for even better rates as your record improves.
If you got a ticket
Michigan assigns points for speeding, distracted driving and other violations, and those points stay on your record for years. Even one ticket can raise your premium noticeably, though defensive driving courses may help.
Once you’re signed up in the Jerry app, we’ll monitor your driving record. After the violation clears, Jerry automatically shops for a better rate.
Here are the average rate increases we’ve seen for Michigan drivers after a ticket:
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Speeding under 15: 10%
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Speeding over 15: 35%
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Failure to obey traffic sign: 4%
Based on Jerry customers with clean driving records and Jerry customers with one or more tickets who found savings in the past 18 months. Savings vary by state, coverage, driver profile and other factors.
If you’ve had an accident
Michigan’s at-fault rules for property damage mean the responsible driver pays, though PIP still covers medical costs. An at-fault accident raises premiums by 11% on average, often for three to five years. Jerry finds your best price now and helps you requote your coverage once the accident falls off.
Rates after an accident, full coverage
|
Accident record
|
Average monthly quote
|
|---|
|
Accident record
|
Average monthly quote
|
|---|---|
| Not At Fault | $438 |
| At Fault With No Injury | $472 |
| At Fault With Injury | $496 |
Based on Jerry customers with clean records and those with one or more accidents who found savings in the past 18 months. Savings vary by state, coverage, driver profile and other factors.
If you’ve been convicted of a DUI
A DUI in Michigan brings steep penalties and a significant insurance increase. Expect your premium to jump by 15% on average, with elevated rates lingering for several years.
But some insurers still offer comparatively reasonable high-risk pricing. Jerry identifies those carriers so you can lock in the best rates for you now. As your record improves, we’ll also help you monitor rates and jump on lower prices.
Here are the five cheapest insurers for Michigan drivers with DUIs:
|
Insurer
|
Avg monthly rate after DUI
|
Offers coverage after DUI
|
|---|
|
Insurer
|
Avg monthly rate after DUI
|
Offers coverage after DUI
|
|---|---|---|
| $199 | Yes | |
| $342 | Yes | |
| $371 | Yes | |
| $388 | Yes | |
Based on Jerry customers with clean driving records and Jerry customers with one or more DUI convictions who found savings in the past 18 months. Savings vary by state, coverage, driver profile and other factors.
If you need an SR-22 in Michigan
Michigan may require an SR-22 after certain violations or uninsured crashes. Select the SR-22 option in the Jerry app to see only insurers that process the filing. Most charge about $25 per year for the paperwork.
Car Insurance with Bad Credit
Michigan is one of the few states where insurers cannot use your credit score or a credit-based insurance score to determine your auto insurance rate. That means your premium is driven by factors like your driving record, insurance history, mileage and the coverage you choose, but not your credit.
Even so, keeping continuous coverage, avoiding violations and choosing the right deductible can make a meaningful difference in what you pay. Jerry helps you compare prices instantly so you can always lock in your best rate.
Average rates in Michigan by credit score
Based on Jerry customers with clean driving records who found savings in the past 12 months. Savings vary by state, coverage, driver profile and other factors.
Drive with confidence
Michigan’s combination of snow, ice, high theft exposure and PIP medical structure means there’s not one cheapest policy for everyone. The right coverage is the one that fits how and where you drive.
Jerry makes it easy to build a policy tailored to Michigan’s realities and requirements. Whenever your price can improve down the line, we’ll help you shop for even better rates.
Get Michigan quotes in as little as 2 minutes.
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.
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
Stephanie Colestock is a professional writer, CFEI®, and licensed insurance agent specializing in personal finance. With over 14 years of experience, she crafts insightful and accessible content on a wide range of financial topics, including insurance, loans, credit/debt, investing, retirement planning, and banking.
Her bylines appear in top-tier publications such as TIME, Fortune, MSN, Business Insider, USA Today, Money, Fox Business, and CBS. Stephanie’s deep understanding of complex financial concepts and her ability to communicate them clearly have made her a trusted voice in the industry.
When she’s not writing, Stephanie enjoys SCUBA diving, reading a good book, and traveling the world with her family.
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.
