+120 more*These quotes are from real Compare.com users Michigan within the last 10 days. Updated on September 16, 2026
*These quotes are from real Compare.com users Michigan within the last 10 days. Updated on September 16, 2026
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J.J. Starr is an insurance and personal finance expert who has been writing for Compare.com since 2022. Her work has been published across the web, appearing on sites such as Insurify.
Prior to writing for Compare.com, J.J. was a registered banker and life insurance consultant, holding a Series 6, FINRA, and life insurance license. She also earned a master’s degree in writing from New York University.
J.J. has a passion for helping people save money by explaining complex topics like car insurance in a way that is simple and easy to understand.
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Licensed auto and home insurance agent
4+ years of experience in insurance and personal finance editing
NPN: 20564519
Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.
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Professor of Risk Management
25+ years in insurance
Former commercial lines underwriter
David Marlett is a Professor of Risk Management in the Department of Finance, Banking and Insurance at Appalachian State University. In his role, he serves as Managing Director of the university’s Brantley Risk & Insurance Center and holds the IIANC Distinguished Professorship. He also serves on the Board of Directors for the Invest program and previously chaired the Loman Advisory Committee for the CPCU Society.
Updated
USAA, Auto-Owners, and Chubb offer the cheapest average car insurance rates in Michigan.
Full coverage in Michigan costs an average of $224 per month, about $90 more than liability-only coverage.
Michigan drivers pay an average of $177 per month for car insurance.
Michigan’s no-fault insurance rules and PIP coverage requirements contribute to the state’s higher premiums.
Get quotes from top insurers in the Great Lakes State and save money in minutes.
Car insurance in Michigan costs an average of $177 per month, about $35 higher than the national average.
Michigan drivers spend an average of $130 per month for liability insurance and $224 for full coverage. Michigan rates tend to be more expensive because of the state’s relatively high minimum coverage requirements.[1]
USAA, Auto-Owners, and Chubb offer the cheapest average rates in the state. The following table shows the cheapest car insurance options in Michigan, according to data from Compare.com.
Company | Average Monthly Premium: Liability-Only | Average Monthly Premium: Full-Coverage |
|---|---|---|
| Auto-Owners | $69 | $117 |
| USAA | $69 | $118 |
| Chubb | $75 | $128 |
| Progressive | $105 | $163 |
| National General | $106 | $227 |
| Safeco | $111 | $187 |
| Liberty Mutual | $128 | $224 |
| Bristol West | $138 | $271 |
| Direct Auto | $139 | $287 |
| State Farm | $142 | $243 |
Your car insurance rates can vary depending on where you live in Michigan. Drivers in Detroit pay some of the highest rates in the state, at an average of $341 per month. Ann Arbor drivers pay some of the lowest average rates in the state at just $154 per month, about 55% cheaper than Detroit.
The table below shows the average car insurance premiums in Michigan cities, according to Compare.com data.
City | Average Monthly Premium: Liability-Only | Average Monthly Premium: Full-Coverage |
|---|---|---|
| Grand Rapids | $105 | $208 |
| Ann Arbor | $110 | $197 |
| Lansing | $111 | $206 |
| Battle Creek | $114 | $201 |
| Kalamazoo | $116 | $212 |
| Rochester | $139 | $218 |
| Flint | $140 | $250 |
| Westland | $161 | $255 |
| Clinton Township | $163 | $263 |
| Warren | $174 | $306 |
| Southfield | $179 | $307 |
| Dearborn | $259 | $397 |
| Detroit | $266 | $415 |
Below are a few key details about Michigan drivers and car insurance rates in the state.
With an average annual mileage of 9,245 miles, Michiganders drive about as much as drivers in other states.
Michigan has some of the lowest rates of drivers involved in at-fault accidents, at just under 3%.
72% of Michigan drivers own their vehicles, among the highest ownership rates in the country.
Detroit, Dearborn, and Flint drivers have some of the lowest rates of at-fault accidents in the country.
Recent Michigan auto insurance reform saved drivers an average of $357 per vehicle, according to the Michigan Department of Insurance and Financial Services.[2]
Car insurance rates vary depending on your location, driving history, vehicle, insurer, and other factors. Car insurance rates can also fluctuate over time, meaning the cheapest option today may not be the cheapest option tomorrow. That’s why it’s so important to compare car insurance quotes regularly to make sure you get the best deal.
Here’s an overview of average costs from some of Michigan’s top insurers, according to Compare.com data.
 |  |  |  |  |
|---|---|---|---|---|
Average Premium $205/mo* | Average Premium $193/mo* | Average Premium $149/mo* | Average Premium $94/mo* | Average Premium $202/mo* |
Overall Rating | Overall Rating | Overall Rating | Overall Rating | Overall Rating |
Value | Value | Value | Value | Value |
Customer Service | Customer Service | Customer Service | Customer Service | Customer Service |
Claims Handling | Claims Handling | Claims Handling | Claims Handling | Claims Handling |
Special Highlight N/AAI-generated from 26 user reviews | Special Highlight N/AAI-generated from 1007 user reviews | Special Highlight N/AAI-generated from 29 user reviews | Special Highlight N/AAI-generated from 211 user reviews | Special Highlight N/AAI-generated from 859 user reviews |
We picked the following companies as some of the best car insurance companies in Michigan based on a combination of user reviews, Compare.com ratings, and other factors. These insurers are a great place to start your insurance shopping in Michigan.
| User Reviews | 4.3 |
|---|---|
| Our Rating Compare.com's ratings are determined by our editorial team. The objective formula used in these reviews weighs several important factors to consider when choosing financial products and services, including customer satisfaction ratings, ease of use, and a number of other components. | 4.1 /5 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $69/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $117/mo |
Auto-Owners Insurance's score | Industry average | |
|---|---|---|
| Coverage options | 3.7 | 3.2 |
| Customer service | 3.7 | 3.6 |
| Discounts | 3.4 | 2.9 |
| Policy transparency | 3.8 | 3.1 |
| Value | 3.5 | 2.9 |
Auto-Owners consistently offers some of the lowest full-coverage car insurance rates in Michigan. The company also has various coverage options that are great for newer cars, like diminished value coverage, accident forgiveness, and gap insurance.
Strong claims satisfaction rating
Higher-than-average Compare.com score
Valuable coverage options for newer vehicles
Rates can be higher for drivers with poor credit
Customer satisfaction unrated by J.D. Power in the North Central region
Poor Trustpilot reviews
| J.D. Power J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale. | 648 |
|---|---|
| Our Rating Compare.com's ratings are determined by our editorial team. The objective formula used in these reviews weighs several important factors to consider when choosing financial products and services, including customer satisfaction ratings, ease of use, and a number of other components. | 4.3 /5 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $105/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $163/mo |
Customers appreciate the initial affordability and claim handling but dislike the frequent and unexplained rate increases, as well as the poor customer service.
Progressive provides easy-to-use digital tools to manage your policy whenever you want. In addition to low rates, the company offers a strong set of auto insurance discounts, including online quote, multi-car, multi-policy, and safe driver discounts. Progressive’s PerkShare program also provides discounts on rental cars, dining, legal support, and more.
Offers accident forgiveness
Bundling discount saves an average of 25%
Excellent mobile app reviews
More expensive for high-risk drivers
Below-average claims satisfaction rating in the North Central region
Low customer satisfaction rating
| User Reviews | 4.2 |
|---|---|
| Our Rating Compare.com's ratings are determined by our editorial team. The objective formula used in these reviews weighs several important factors to consider when choosing financial products and services, including customer satisfaction ratings, ease of use, and a number of other components. | 4.5 /5 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $69/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $118/mo |
USAA's score | Industry average | |
|---|---|---|
| Coverage options | 4.9 | 3.2 |
| Customer service | 4.6 | 3.6 |
| Discounts | 4.9 | 2.9 |
| Policy transparency | 4.9 | 3.1 |
| Value | 4.9 | 2.9 |
Customers appreciate the prompt customer service and claims handling but are frustrated by the significant and frequent price increases.
With low average rates, strong discounts, and perks programs, USAA helps Michigan military families save money on car insurance. SafePilot saves safe drivers money, and you can save up to 10% by bundling your auto and homeowners insurance. Low-mileage drivers can save up to 20% with SafePilot Miles, USAA’s usage-based insurance program.
Up to 30% discount with SafePilot telematics program
Above-average claims satisfaction rating
Above-average customer satisfaction score in the North Central region
Available only to current and former military members and their families
No physical locations in Michigan
Vanishing deductible not available
Our editorial team, composed of seasoned editors, insurance experts, and licensed agents, analyzed more than 50 of the state’s top insurers to select the best companies for various Michigan drivers. We researched, analyzed, and weighed several categories important to Michigan insurance shoppers, including average rates, local customer satisfaction ratings, coverage options, discount offerings, policy features, and more.
Our goal is to provide actionable advice and detailed, personalized analysis that helps Michigan drivers find the best auto insurance policy for their unique needs.
Like most states, Michigan requires drivers to have minimum liability insurance. The state also requires personal injury protection (PIP) and property protection insurance (PPI). Here are Michigan’s auto insurance requirements:
Bodily injury liability: You need $50,000 per person and $100,000 per accident for injuries you cause to another driver in an accident.
Property damage liability: You need $10,000 of coverage for accidents outside Michigan.
Property protection insurance (PPI): You need $1 million for damage you cause to property in the state.
Personal injury protection (PIP): You need at least $250,000 of PIP. Qualifying drivers may opt out of PIP.
Driving without insurance is a misdemeanor in Michigan, with penalties potentially resulting in fines up to $500, up to one year in jail, and a license suspension until you provide proof of insurance.[3]
Compare quotes and get the coverage you need at the right price.
Several factors contribute to Michigan’s high car insurance costs, such as:
High minimum coverage requirements: Michigan requires higher bodily injury and property damage liability coverage than other states.
PIP and PPI coverage: Michigan’s PIP and PPI requirements mean insurers assume more risk in this state, which increases rates.
Deer collisions: In 2024, there were more than 58,000 collisions with deer in Michigan. More wildlife collisions can increase comprehensive coverage costs.[4]
Weather: Snow, ice, hail, flooding, and storm damage can mean more claims, which increases rates.
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You have many strategies for reducing your car insurance rates in Michigan, including:
Improving your credit: Though Michigan prohibits using credit as a rating factor, poor credit typically correlates to higher rates. Improving your credit can lead to other healthy financial habits that may lower your premium.
Lowering PIP limits: If you can afford the extra out-of-pocket costs, lowering your coverage limits usually reduces your premiums. Drivers with Medicare Parts A and B can drop PIP as long as other drivers on the policy have qualified health coverage.
Comparing rates: The difference between the average rate from the cheapest insurer is less than half the cost of the most expensive insurer’s average premium, so compare quotes often.
You may find it useful to bookmark some of these Michigan insurance resources:
Below, we answered some common questions from drivers about car insurance in Michigan.
State Farm, Progressive, and USAA are Compare.com’s top picks for auto insurance in Michigan. These companies offer affordable rates, good coverage options, and strong discounts. That said, the best auto insurance company for you depends on many factors, including your driving record, ZIP code, and vehicle make and model.
Yes, Michigan is a no-fault state. In a no-fault state, each driver’s personal insurance policy pays for their medical expenses and vehicle repairs after an accident.
Comparing quotes from multiple companies is one of the best ways to get cheaper car insurance in Michigan. Maintaining a clean driving record and asking about discounts can also help you save money on your premium.
Auto-Owners offers the cheapest full-coverage car insurance in Michigan. The company’s average rates start at $117 per month, according to Compare.com data. But your personal rates can vary due to factors like your ZIP code and driving record.
Recent legislation requires insurers to reduce average rates in the state for eight years. It also limited the rating factors companies can use to determine premiums and established a new insurance fraud unit.
Data scientists at Compare.com analyzed more than 50 million real-time auto insurance quotes from more than 75 partner insurers in order to compile the rates and statistics seen in this article. Compare.com’s auto insurance data includes coverage analysis and details on drivers’ vehicles, driving records, insurance histories, and demographic information.
All the rates listed in this article have been collected from a combination of real Compare.com quotes and external insurance rate data gathered in collaboration with Quadrant Information Services. Compare.com uses these observations to provide readers with insights into how auto insurance companies determine their premiums.
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Compare.com's #1 goal is to save you money. We publish resources that are based on hard-hitting data and years of industry experience to help you make more informed decisions with your wallet.
Learn more about us, our team, and what makes us tick.
J.J. Starr is an insurance and personal finance expert who has been writing for Compare.com since 2022. Her work has been published across the web, appearing on sites such as Insurify.
Prior to writing for Compare.com, J.J. was a registered banker and life insurance consultant, holding a Series 6, FINRA, and life insurance license. She also earned a master’s degree in writing from New York University.
J.J. has a passion for helping people save money by explaining complex topics like car insurance in a way that is simple and easy to understand.
Licensed auto and home insurance agent
4+ years of experience in insurance and personal finance editing
NPN: 20564519
Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.
Professor of Risk Management
25+ years in insurance
Former commercial lines underwriter
David Marlett is a Professor of Risk Management in the Department of Finance, Banking and Insurance at Appalachian State University. In his role, he serves as Managing Director of the university’s Brantley Risk & Insurance Center and holds the IIANC Distinguished Professorship. He also serves on the Board of Directors for the Invest program and previously chaired the Loman Advisory Committee for the CPCU Society.
At Compare.com, it’s our mission to give you the tools to find the best (and most affordable) insurance for your unique needs and budget. We strive to provide information that’s helpful, clear, and unbiased, and we believe that comparing insurance companies should never put you at risk of spam. Our editorial team — which is made up of experienced writers, editors, insurance agents, and data analysts — has spent thousands of hours researching and creating the coverage overviews, side-by-side comparisons, and detailed reviews you see across our site.
While we make money through partnerships with some of the brands we discuss in our articles, our editorial team operates 100% independently, and these partners never influence or affect the topics, reviews, ratings, or recommendations we provide. We never guarantee favorable reviews or mentions in exchange for compensation from any brands or partners, and we uphold strict editorial standards to ensure our content is always independent, truthful, and unbiased.
