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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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