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Finding cheap Michigan car insurance
It can be a challenge to find cheap Michigan auto insurance. It's one of the most expensive states for car insurance, especially in the Detroit area. Part of the blame lies in Michigan's auto insurance law. It allows for unlimited, lifetime medical benefits for those injured in car accidents. Michigan is the only state that has these unlimited medical benefits.
We've analyzed average insurance premiums reported by EverQuote users so you can see how prices stack up for Michigan drivers.
Sections:
Michigan insurance vs. the U.S. average
Average Michigan insurance premiums by company
Insurance increases after a speeding ticket
Insurance increases after an accident
Average premiums for Michigan cities
Find cheap Michigan auto insurance
Michigan insurance vs. the U.S. average
Average insurance premiums paid by Michigan drivers with good records are much higher than the national average:
- $2,077/year Michigan average.
- $1,684/year national average.
Average Michigan premiums by company
| Company Click for reviews |
Average yearly premium in Michigan |
|---|---|
| Auto-Owners Insurance | $1,835 |
| Farm Bureau | $1,854 |
| The Hartford | $1,872 |
| 21st Century Insurance | $1,918 |
| Geico | $1,921 |
| Farmers Insurance | $1,984 |
| MetLife | $1,988 |
| Citizens | $2,009 |
| Allied | $2,022 |
| Ameriprise | $2,023 |
| USAA (must have a military affiliation) | $2,083 |
| State Farm | $2,092 |
| AAA Insurance/Auto Club | $2,122 |
| Nationwide Insurance | $2,127 |
| Allstate | $2,136 |
| Progressive Insurance | $2,147 |
| Safeco | $2,167 |
| Liberty Mutual | $2,229 |
| National General | $2,231 |
| Esurance | $2,402 |
Insurance increases in Michigan after a speeding ticket
Michigan drivers who get a speeding ticket end up paying an average insurance increase of 17%, less than the nationwide average increase.
| State | Annual premium with clean driving record | Annual premium with speeding ticket | % increase |
|---|---|---|---|
| Michigan | $2,077 | $2,425 | 17% |
| Nationwide average | 26% | ||
Insurance increases in Michigan after an accident
Michigan drivers who cause an accident get an average insurance increase of 22%, less than the national average increase.
| State | Annual premium with clean driving record | Annual premium with a chargeable accident, no injury | % increase |
|---|---|---|---|
| Michigan | $2,077 | $2,533 | 22% |
| Nationwide average | 36% | ||
Average premiums in Michigan cities
Oak Park and Detroit drivers pay the most for auto insurance among the cities we examined.
| City | Average annual premium |
|---|---|
| Adrian | $1,872 |
| Allen Park | $2,172 |
| Ann Arbor | $1,917 |
| Auburn Hills | $2,199 |
| Battle Creek | $2,007 |
| Bay City | $1,891 |
| Belleville | $2,351 |
| Benton Harbor | $1,952 |
| Brighton | $1,934 |
| Burton | $2,178 |
| Canton | $2,111 |
| Clarkston | $1,904 |
| Clinton Township | $2,346 |
| Coldwater | $1,951 |
| Davison | $1,739 |
| Dearborn | $2,047 |
| Dearborn Heights | $2,286 |
| Detroit | $2,568 |
| East Lansing | $1,730 |
| Eastpointe | $2,296 |
| Farmington | $2,175 |
| Fenton | $1,857 |
| Ferndale | $2,205 |
| Flint | $2,237 |
| Garden City | $2,238 |
| Grand Blanc | $1,978 |
| Grand Rapids | $1,905 |
| Grosse Pointe | $2,231 |
| Hamtramck | $2,319 |
| Harrison Township | $2,191 |
| Hazel Park | $2,088 |
| Highland Park | $2,441 |
| Holland | $1,855 |
| Howell | $1,892 |
| Inkster | $2,457 |
| Jackson | $1,815 |
| Kalamazoo | $1,855 |
| Lansing | $1,954 |
| Lapeer | $1,982 |
| Lincoln Park | $2,089 |
| Livonia | $1,938 |
| Macomb | $2,014 |
| Madison Heights | $2,272 |
| Midland | $1,689 |
| Monroe | $2,161 |
| Mount Morris | $2,193 |
| Mount Pleasant | $1,821 |
| Muskegon | $1,919 |
| New Baltimore | $2,185 |
| Niles | $1,979 |
| Novi | $2,017 |
| Oak Park | $2,666 |
| Plymouth | $1,964 |
| Pontiac | $2,300 |
| Port Huron | $2,030 |
| Portage | $1,771 |
| Redford | $2,545 |
| Rochester | $1,926 |
| Romulus | $2,519 |
| Roseville | $2,107 |
| Royal Oak | $1,989 |
| Saginaw | $2,050 |
| Saint Clair Shores | $2,032 |
| Southfield | $2,497 |
| Southgate | $2,219 |
| Sterling Heights | $2,094 |
| Taylor | $2,329 |
| Traverse City | $1,937 |
| Trenton | $2,106 |
| Troy | $1,887 |
| Utica | $2,118 |
| Warren | $2,224 |
| Waterford | $1,937 |
| West Bloomfield | $2,086 |
| Westland | $2,338 |
| Wyandotte | $2,158 |
| Wyoming | $1,855 |
| Ypsilanti | $2,137 |
How to get cheaper Michigan auto insurance
- Because Michigan rates are so high, comparing car insurance quotes from multiple insurance companies to find a good deal is important.
- Keep a good driving record. Try to avoid car accidents, tickets for moving violations and insurance claims.
- Ask your car insurance agent to review all the car insurance discounts available from your insurer.
- Increase the deductible on comprehensive and collision coverage, if you buy them.
- Buy renters or homeowners insurance from your auto insurance company to get a "bundling" discount.
Rates methodology: EverQuote analyzed premiums reported by our users. Premiums are based on policies with liability of 100/300/50 ($100,000 bodily injury per person, $300,000 bodily injury per accident, $50,000 property damage) and uninsured motorist coverage of 100/300 ($100,000 per person, $300,000 per accident). We used premiums collected between Jan. 1, 2017, and Dec. 31, 2018. Your own rates will be different.
Updated March 5, 2019
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