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Car Insurance in Michigan (Updated May 2024)

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Michigan Car Insurance Quotes

Car insurance costs are up 22% from a year ago, with some states seeing even higher increases than others. Looking at Michigan specifically, drivers are paying 46% more for car insurance than the national average, with Full Coverage costing Michigan drivers an average of $276 per month

Similar to other states, the rates in Michigan can vary widely by specific cities and zip codes as accident rates, car-related crime, and even weather can have significant influence over a driver's risk profile. Of course, a driver's profile also impacts the total cost of coverage, with age, driving history, and even credit score being some of the major factors evaluated by insurance providers. 

We partner with insurance experts to analyze millions of data points and get you the best car insurance in Michigan. Read on to learn more about properly insuring your car in Michigan. 

If you're ready for personalized recommendations, submit your ZIP code above and compare options instantly - absolutely free. 

Michigan Car Insurance Laws

Michigan law mandates that all vehicle owners have no-fault insurance. The state adheres to a no-fault insurance system, which requires that every driver must carry specific minimum coverages.

Michigan’s car insurance minimums are:

  • Unlimited medical expenses for personal injury protection (PIP), 85% of lost wages for up to three years (with a cap), and up to $20 per day for replacement services
  • Up to $1 million for property protection (PPI) for damage your car causes to other people's property within Michigan
  • $20,000 for residual liability insurance covering bodily injury per person
  • $40,000 for residual liability insurance covering bodily injury per accident
  • $10,000 for property damage in another state under residual liability insurance

Proof of Insurance

does not specify grace periods for insurance coverage upon purchasing a new vehicle. ” 

Penalties for lack of insurance include fines of up to $500 and up to one year of jail time. Plus, your license could be suspended until you can prove you have insurance. The state does not specify grace periods for insurance coverage upon purchasing a new vehicle, so get insured before driving your car off the lot.

Additional Coverage for Michigan

Many Michiganians purchase additional coverage, such as collision and comprehensive insurance. This extra protection is often purchased due to the state's harsh winters and potential for vehicle damage. Comprehensive coverage is also highly recommended to protect drivers from financial loss due to hitting deer. On average, there are over 50,000 accidents with deer each year in Michigan alone.

Frequently Asked Questions

What is the quickest way to reduce my insurance premium in Michigan?
The quickest and easiest way to reduce your insurance premium is to take advantage of discounts related to your account setup. Depending on the insurance provider, setting up Electronic Funds Transfer (EFT), signing up for Paperless billing, and paying your policy in-full can reduce your cost by 4% to 9% instantly.
What is the most common insurance discount in Michigan?
The most common insurance discount is signing up for Paperless billing. We have seen discounts range from 3% up to 11% depending on the policy. It is important to note that not all carriers offer this discount and those that do might have rules of when it can be applied (usually around the start of your policy term).
How much will I save switching insurance providers in Michigan?
How much you can save by switching carriers can vary widely by location, time of year, and your driving record. While some carriers offer a median discount of 6 - 7% for policy renewals, recent research suggests that you can save anywhere between 10 - 20% by switching to a new carrier. The best way to secure the highest savings on your policy is by shopping often and connecting with a licensed agent.

🔍 Auto Insurance Methodology - Premiums are sourced from over 30,000 zip codes across 200 insurance companies. We estimate premiums based on policies seeking 50/100 in liability with $500 deductibles for collision and comprehensive coverage. Rates are based a 35-year-old single female with a good credit score and no history of accidents or violations driving a 2023 Toyota RAV4 LE. We assume no unique benefits or discounts are applied for these rates. Your own rates may be different.