Cheap Car Insurance in Michigan 2019

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Cheapest auto insurance companies in Michigan

Average Michigan auto insurance 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 Auto

$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


Average auto insurance premiums in Michigan

Insurance increase 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 Clean driving record Speeding ticket % increase
Michigan $2,077/year $2,425/year 17%
Nationwide average 26%

Insurance increase after an accident

Michigan drivers who cause an accident get an average insurance increase of 22%, less than the national average increase.

State Clean driving record Chargeable accident, no injury % increase
Michigan $2,077/year $2,533/year 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


Auto insurance requirements in Michigan

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.


How Michigan car insurance works

You must show an insurance ID card (or other proof of financial responsibility) in Michigan when:

  • Law enforcement requests it
  • You renew vehicle registration

Penalties for not having car insurance in Michigan

  • Misdemeanor, fine of not less than $200 and not more than $500 and/or imprisonment for not more than one year. Supplying false information is a misdemeanor punishable by imprisonment for not more than one year or a fine of not more than $1,000, or both.

Source: Property Casualty Insurers Association of America

Changes coming to Michigan car insurance

Michigan recently passed an auto insurance reform bill that was signed into law by Gov. Gretchen Whitmer on May 30, 2019. Changes to Michigan’s current no-fault system are expected to go into effect by July 2020. In addition to changes in PIP requirements, insurance companies will not be able to set rates based on non-driving factors such as credit, education level, home ownership, marital status, occupation, sex or ZIP code.

Auto insurance companies are required to adjust rates by July 2020. You may see changes to your rates when you renew your policy after that date.


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 Sept. 24, 2019

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