Cheap Car Insurance in Michigan

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Finding cheap car insurance in Michigan

Drivers in Michigan face some of the highest car insurance rates in the country, especially Detroit residents. That's partly due to Michigan's unlimited medical benefits: If you're injured in a car accident, you can receive unlimited medical and rehabilitation benefits for your lifetime. This rule pushes up costs for insurers and makes it harder to get cheap car insurance in Michigan.

Nonetheless, there are ways to try to reduce what you have to pay. We've compiled average premiums by company and city so you can see how prices compare. 

Because rates can vary considerably by company, it's important to compare prices. Here are     premiums reported by EverQuote users in Michigan for large insurance companies. The prices below reflect rates for one driver with a clean record and insuring one vehicle.

Company
(Click to see reviews)
Average monthly premium
Farm Bureau $138
Auto-Owners $140
The Hartford $140
Geico $150
Citizens $154
State Farm $163
Farmers $164
AAA Insurance $164
Allstate $168
Progressive $171
USAA $174
Liberty Mutual $176
Esurance $200
Source: EverQuote. See full methodology below.


Also keep in mind that the cheapest car insurance company in Michigan for you when you have a good driving record might not be the cheapest if you have tickets, accidents or claims. Or if you move or add a teen driver to your policy. 

Recent auto insurance rate changes approved by Michigan

Even if you have a great driving record, you could get a car insurance rate increase at renewal time.

Rate increases have been common in recent years. Auto insurance companies have been raising rates due to more car accidents, higher costs to repair cars and higher medical bills for accident injuries.

Car insurance companies must file their proposed rate increases and decreases with the state. Below are rate changes recently approved by the Michigan department of insurance. These rate changes may not affect all customers in the state. If you are affected by a rate change, you'll get a notice at renewal time. The effective dates below indicate when the rate change will start rolling out.

Company
Effective date Rate change %
(   ) = decrease
MemberSelect Insurance Co. 8/1/18 4.800
Amica Mutual Insurance Co. 8/1/18 3.000
Metropolitan Direct Property and Casualty Insurance Co. 7/2/18 2.000
Wolverine Mutual Ins Co. 7/1/18 1.770
Allstate Property and Casualty Insurance Co. 7/1/18 1.300
Allstate Insurance Co. 7/1/18 1.100
MemberSelect Insurance Co. 7/1/18 1.500
Auto Club Insurance Association 7/1/18 1.200
MemberSelect Insurance Co. 7/1/18 0.700
GEICO Indemnity Co. 7/1/18 1.400
Esurance Insurance Co.,

Esurance Property and Casualty Insurance Co.

7/1/18 1.150
AMCO Insurance Co. 7/1/18 1.700
Allied Property and Casualty Insurance Co. 7/1/18 1.500
Nationwide Mutual Fire Insurance Co. 7/1/18 1.600
IDS Property Casualty Insurance Co. 7/1/18 1.500
Integon National Insurance Co. 7/1/18 14.400
National General Insurance Co. 7/1/18 14.400
State Farm Fire and Casualty Co.,

State Farm Mutual Automobile Insurance Co.

7/1/18 2.100
State Farm Mutual Automobile Insurance Co. 7/1/18 (3.000)
Fremont Insurance Co. 7/1/18 2.290
Michigan Insurance Co. 7/1/18 1.600
Hartford Underwriters Insurance Co.,

Trumbull Insurance Co.

7/1/18 1.200
Property and Casualty Insurance Co. of Hartford 7/1/18 1.200
Essentia Insurance Co. 7/1/18 3.390
Metropolitan Property and Casualty Insurance Co. 7/1/18 1.900
Metropolitan Direct Property and Casualty Insurance Co. 7/1/18 1.700
Metropolitan Group Property and Casualty Insurance Co. 7/1/18 1.700
Foremost Insurance Co. Grand Rapids,

Michigan

7/1/18 2.400
The Cincinnati Insurance Co. 7/1/18 2.500
Farm Bureau General Insurance Co. of Michigan,

Farm Bureau Mutual Insurance Co. of Michigan

7/1/18 5.200
Amica Mutual Insurance Co. 7/1/18 1.600
Citizens Insurance Co. of America 7/1/18 2.000
Citizens Insurance Co. of America 7/1/18 2.000
Citizens Insurance Co. of the Midwest 7/1/18 1.700
MAIPF 7/1/18 5.700
Progressive Marathon Insurance Co. 6/1/18 (0.100)
Essentia Insurance Co. 6/1/18 5.115
American Select Insurance Co. 5/27/18 14.600
Grange Insurance Co. of Michigan 5/1/18 5.000

Michigan car insurance rates after accidents & speeding tickets

Accidents, claims and tickets for moving violations can all lead to a rate increase at renewal time. We looked at premiums reported by EverQuote users in Michigan who had an accident or speeding ticket on their records compared to those with clean records. 

On driving record Average monthly premium difference vs. clean record in Michigan
Speeding ticket 23%
Accident 26%
Source: EverQuote. See full methodology below.

Speeding and phone use while driving can lead to accidents, claims and tickets. Here’s a look at how much Michigan drivers are speeding and using their phones while driving.


Michigan car insurance rates by city

We also analyzed Michigan car insurance rates reported by EverQuote users in various cities. Drivers in Jackson reported paying the lowest premiums among the cities we looked at.

City Average monthly premium
Jackson $143
Grand Rapids $145
Kalamazoo $145
Muskegon $146
Ann Arbor $147
Lansing $149
Waterford $150
Battle Creek $151
Saginaw $158
Saint Clair Shores $158
Dearborn $165
Ypsilanti $165
Sterling Heights $166
Livonia $168
Roseville $169
Flint $176
Farmington Hills $178.50
Canton $180
Clinton Township $183
Taylor $193
Westland $196
Pontiac $200
Warren $200
Southfield $211
Redford $211.50
Detroit $236
Source: EverQuote. See full methodology below.

How to get cheap car insurance in Michigan

You'll typically get the best rates by comparing prices and keeping a clean driving record.

Also:

  • Ask your insurance agent to review all the possible car insurance discounts.
  • Find out how much you can save by increasing the deductible on comprehensive and collision coverage, if you buy them.
  • Improve your credit. Drivers with poor credit often pay higher auto insurance rates. That's because many insurers use a credit-based insurance score when determining rates. 

Methodology for premium comparisons

We averaged premiums reported by EverQuote users, based on policies with bodily injury liability coverage of $100,000 in bodily injury per person and $300,000 in bodily injury per accident (known as 100/300). Rates are based on insuring single vehicles with one driver who has a good driving record and no violations. We used premiums for sedans, coupes and hatchbacks. Premiums are based on expenditures reported between Jan. 1, 2016, and April 1, 2018. Your own rates will be different.

Updated May 31, 2018

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