Cheap Car Insurance in Michigan 2019

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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
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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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