Best and Cheapest Car Insurance in Michigan (Save Money With These 10 Companies in 2024)

The top picks for the best and cheapest car insurance in Michigan are Geico, USAA, and Progressive. Geico offers competitive rates starting at $47, making it a top choice for budget-conscious drivers. USAA provides excellent rates for teen and senior drivers, while Progressive is the best option for married couples.

With Michigan’s unique no-fault insurance laws, understanding coverage requirements is crucial to know what kind of insurance you really need. Location significantly impacts insurance rates, with Midland being the cheapest area for car insurance.

Company	Rank	Monthly Rates	A.M. Best	Best For	Jump to Pros/Cons
	#1	$47	A++	Cheap Rates	Geico
	#2	$51	A++	Military Benefits	USAA
	#3	$73	A+	Online Management	Progressive
	#4	$88	A++	Safety Features	Travelers
	#5	$98	A	Claims Service	American Family
	#6	$100	B	Personalized Policies	State Farm
	#7	$124	A+	Multi-Policy Discounts	Nationwide
	#8	$161	A	Various Discounts	Farmers
	#9	$195	A+	Infrequent Drivers	Allstate
	#10	$204	A	Coverage Options	Liberty Mutual

Comparing quotes and understanding various coverage options can help you find the best policy for your needs and budget. Explore your car insurance options by entering your ZIP code above and finding which companies have the lowest rates.

What You Should Know

• Geico offers the best and cheapest car insurance in Michigan, starting at $47
• USAA and Progressive provide excellent rates for various driver profiles
• Location affects rates, with Midland being the cheapest area for car insurances

On this page:

• Best teen car insurance rates in Michigan?
• Cheapest car insurance rates for a married couple in Michigan
• Best senior car insurance rates in Michigan
• 10 Cheapest areas in Michigan for car insurance
• 10 Most expensive areas in Michigan for car insurance
• Minimum car insurance coverage and limits in Michigan
• Michigan’s uninsured motorists percentage

#1 – Geico: Top Overall Pick

Pros

• Cheap Rates: Geico offers the best and cheapest car insurance in Michigan.
• Extensive Discounts: Geico provides a variety of discounts, including multi-policy and safe driver discounts.
• User-Friendly Online Tools: Geico’s online platform makes it easy to get quotes and manage policies.

Cons

• Limited Coverage Options: Some specialized coverage options may not be available.
• Customer Service: Mixed reviews regarding the responsiveness and helpfulness of customer service. You may explore our comparison article on "GEICO vs. Progressive: Which car insurance company do customers say is better?"

#2 – USAA: Best for Military Benefits

Pros

• Military Benefits: USAA offers tailored benefits and services for military members and their families.
• Competitive Rates: USAA provides affordable rates for its members in Michigan.
• High Customer Satisfaction: According to our USAA customer ratings, USAA consistently receives high marks for customer service and satisfaction.

Cons

• Membership Restrictions: Only available to military members, veterans, and their families.
• Limited Local Offices: Fewer physical locations in Michigan compared to other insurers.

#3 – Progressive: Best for Online Management

Pros

• Online Management: Progressive’s website and mobile app make it easy to manage policies and file claims.
• Competitive Rates: The findings from our Progressive insurance customer reviews demonstrates Progressive offers affordable rates and various discounts in Michigan.
• Snapshot Program: The Snapshot program allows drivers to potentially lower premiums based on driving behavior.

Cons

• Average Customer Service: Mixed reviews regarding customer service experiences.
• Rate Increases: Some customers report significant rate increases after initial policy periods.

#4 – Travelers: Best for Safety Features

Pros

• Safety Features: Travelers offers discounts for vehicles equipped with advanced safety features.
• Competitive Rates: Provides affordable rates for drivers in Michigan who prioritize safety.
• Financial Strength: Our Travelers Companies, Inc. customer reviews indicates Travelers holds an A++ rating from A.M. Best, indicating strong financial health.

Cons

• Higher Rates: Monthly rates can be higher than some other insurers.
• Limited Availability: Not all coverage options are available in every region of Michigan.

#5 – American Family: Best for Claims Service

Pros

• Efficient Claims Service: Our examination of American Family Insurance customer ratings shows American Family is known for a straightforward and efficient claims process.
• Competitive Rates: Offers affordable rates for drivers in Michigan.
• Personalized Policies: Provides customized policy options to meet individual needs.

Cons

• Higher Premiums: Monthly rates can be higher than many competitors.
• Regional Availability: Coverage might be limited to certain areas within Michigan.

#6 – State Farm: Best for Personalized Policies

Pros

• Personalized Policies: State Farm offers customized policy options tailored to individual needs.
• Strong Local Presence: Large network of agents and offices in Michigan.
• Financial Strength: Our analysis of State Farm insurance customer reviews reveals that State Farm has a solid financial rating, ensuring reliability and stability.

Cons

• Premium Costs: Monthly rates can be higher compared to some competitors.
• Limited Discounts: Fewer discount options compared to other insurers.

#7 – Nationwide: Best for Multi-Policy Discounts

Pros

• Multi-Policy Discounts: Our assessment of Nationwide customer reviews illustrates Nationwide offers significant discounts for bundling multiple insurance policies.
• Vanishing Deductible: Deductible decreases over time with safe driving.
• Competitive Rates: Affordable rates for Michigan drivers who bundle policies.

Cons

• Average Customer Service: Some customers report average experiences with customer service.
• Higher Rates: Monthly rates can be on the higher side compared to some other insurers.

#8 – Farmers: Best for Various Discounts

Pros

• Various Discounts: Offers a wide range of discounts to help reduce premium costs.
• Customizable Policies: Flexible policy options to meet specific needs of Michigan drivers.
• Strong Agent Network: The results of our Farmers insurance customer reviews suggests Farmers boast on its large network of agents providing personalized service.

Cons

• Higher Premiums: Monthly rates are higher compared to many competitors.
• Mixed Customer Service Reviews: Customer service experiences can vary widely.

#9 – Allstate: Best for Infrequent Drivers

Pros

• Discounts for Infrequent Drivers: Offers discounts for Michigan drivers who drive less frequently.
• Strong Financial Rating: A+ rating from A.M. Best, indicating strong financial health.
• Comprehensive Coverage Options: Based on our Allstate customer reviews, Allstate offers wide range of coverage options available.

Cons

• Higher Rates: Monthly rates are higher compared to many other insurers.
• Mixed Customer Service Reviews: Customer service experiences can vary among customers.

#10 – Liberty Mutual: Best for Coverage Options

Pros

• Coverage Options: Our Liberty Mutual insurance customer reviews highlights Liberty Mutual's broad range of coverage options to meet various needs.
• Accident Forgiveness: Available to help avoid rate increases after the first accident.
• Financial Strength: Strong financial rating with an A from A.M. Best.

Cons

• Higher Premiums: Monthly rates are among the highest compared to other insurers.
• Limited Discounts: Fewer discount options available compared to competitors.

Minimum Car Insurance Coverage and Limits in Michigan

Michigan's car insurance laws are more complex than most states, so it's especially important to understand the coverage requirements established by the state and what the minimum coverage actually covers. First and foremost, it's important to know that Michigan is a no-fault accident state. Being a no-fault state means that your insurance company is responsible for covering you in the event of a car accident, regardless of who caused the accident.

Explore more insights on our guide "If a car accident is not your fault, does your insurance go up?"

Michigan requires its residents to obtain no-fault car insurance, which includes three different types of coverage: bodily injury liability, property damage liability, and property protection. Bodily injury liability and property damage liability are the most common; these are outlined below, with Michigan's minimum coverage requirements listed.

Insurance Company	Minimum Coverage	Full Coverage
Allstate	$195	$406
American Family	$98	$204
Farmers	$161	$335
Geico	$47	$99
Liberty Mutual	$204	$424
Nationwide	$124	$258
Progressive	$73	$152
State Farm	$100	$209
Travelers	$88	$183
USAA	$51	$107

Michigan's no-fault car insurance also comes with property protection up to $1 million, meaning your car insurance will cover you for damages to any Michigan property up to $1 million. This also covers you if you hit a car that is legally parked. It's worth noting that this coverage only pertains to Michigan property; your property damage liability will cover you for any damage to property that happens in a different state.

Michigan also requires you to obtain personal injury protection, often referred to as PIP, which provides coverage for any medical expenses or income losses that result from a car accident. To save on premiums, you can coordinate this coverage with your health insurance so that your health insurance kicks in before PIP. As of July, 1 2020, new Michigan car insurance laws went into effect. Drivers now have the ability to choose lower levels of PIP insurance coverage. More details from MLive.

Essentially this means that you'll be able to select a lower amount of car coverage, but you should still take into consideration outside factors and not just focus on affordable rates. There are high-risk drivers on the road, so having higher liability limits could end up helping you financially. If you still need more information on what car coverage you need, you can always talk to your car insurer. You can learn more about different car insurance coverages and what the limits mean here.

Michigan state minimum requirements:

Liability:

• Bodily injury — $20,000 per person
• Bodily injury — $40,000 per accident
• Property damage — $10,000 per accident in another state

Bodily injury liability provides coverage for injuries sustained by the other vehicle's driver and passengers if you are held responsible for an accident. This coverage also kicks in to defend you in the event of any legal claims. Property damage liability provides coverage in the event you damage someone else's property in a car accident, most commonly the other vehicle, but also things like a home or fence.

Best and Cheapest Car Insurance for Teens in Michigan

This table details the monthly car insurance rates for 18-year-old males and females in Michigan, comparing the top 10 providers. Teen drivers typically encounter higher premiums due to their inexperience, making it crucial to find budget-friendly options. This comparison assists families in identifying the most affordable insurance solutions for young drivers. For starting teen drivers, find out how to pass your driving test. The table below shows the average teen car insurance rates in Michigan.

Insurance Company	Age: 18 Female	Age: 18 Male
Allstate	$148	$688
American Family	$291	$395
Farmers	$611	$611
Geico	$125	$125
Liberty Mutual	$653	$653
Nationwide	$370	$370
Progressive	$460	$490
State Farm	$344	$344
Travelers	$583	$583
USAA	$144	$136

These rates are based on profiles for 18-year-old male and female drivers in Michigan. The car used was a 2015 Honda Civic EX. We used the minimum car insurance state limits. The rates displayed should only be used for comparative purposes as individual rates in Michigan will differ. Rate data is provided by Quadrant Information Services.

Best and Cheapest Car Insurance Rates for Married Couples in Michigan

This table examines the monthly car insurance rates for married couples in Michigan, featuring the top 10 providers. Married individuals often enjoy reduced insurance rates thanks to their perceived lower risk. This comparison helps couples discover the most economical and appropriate insurance choices available to them. Also delve on our guide "Best Car Insurance Companies for Married Couples."

Insurance Company	Rates
Allstate	$211
American Family	$123
Farmers	$189
Geico	$51
Liberty Mutual	$209
Nationwide	$140
Progressive	$89
State Farm	$120
Travelers	$102
USAA	$65

These rates are based on a 35-year-old married couple with two drivers and two vehicles on a policy. The cars used were two 2015 Toyota Highlander LEs. Full coverage was used with 100/300/50 limits and a $500 collision and comprehensive deductible. The drivers had 1 driving incident within the past 3 years and they both have a good credit score. The rates displayed should only be used for comparative purposes as coverage per person in in Michigan will differ. Rate data is provided by Quadrant Information Services.

Best and Cheapest Car Insurance Rates for Seniors in Michigan

Showcasing the monthly car insurance rates for senior drivers in Michigan, this table highlights the top 10 providers. Rates for seniors can fluctuate based on their driving history and age-related factors. By evaluating these providers, seniors can identify cost-effective insurance plans tailored to their specific needs. Uncover potential funds to keeps on our 6 ways to save on senior driver car insurance.

Insurance Company	Age: 65 Female	Age: 65 Male
Allstate	$183	$183
American Family	$90	$91
Farmers	$146	$146
Geico	$48	$48
Liberty Mutual	$204	$204
Nationwide	$112	$112
Progressive	$69	$77
State Farm	$94	$94
Travelers	$70	$70
USAA	$50	$48

These rates are based on profiles for 65-year-old male and female drivers. The car used for each was a 2015 Toyota Camry LE. Full coverage was used with 100/300/50 limits and a $500 collision and comprehensive insurance deductible. The drivers had zero incidents within the past three years and a good credit score. The rates displayed should only be used for comparative purposes as individual rates in Michigan will differ. Rate data is provided by Quadrant Information Services.

Most Affordable Areas in Michigan for Car Insurance

This table presents a comparison of monthly car insurance rates across different cities in Michigan, pinpointing the most affordable areas. Factors like crime rates, traffic density, and local regulations can influence insurance costs. Residents can use this information to understand how their location affects their insurance premiums. Check out more information with our guide on the 14 ways to get cheap car insurance. In the table below, you can see the top 10 cheapest areas for auto insurance in Michigan based on average rates for a single adult.

City	Rates
Midland	$261
Grand Haven	$261
Spring Lake	$262
Westphalia	$264
Eagle	$264
West Olive	$264
Allendale	$266
Shepherd	$266
Jenison	$267
Saint Louis	$268

These rates are based on a 35-year-old single adult with one driver and one vehicle on a policy. The car used was a 2015 Toyota Highlander LE. Full coverage was used with 100/300/50 limits and a $500 collision and comprehensive deductible. The driver had 1 driving incident within the past 3 years and had a good credit score. The rates displayed should only be used for comparative purposes as individual rates in Michigan will differ. Rate data is provided by Quadrant Information Services.

Most Expensive Areas in Michigan for Car Insurance

The area you live in matters when it comes to obtaining the cheapest car insurance rates. This table highlights the monthly car insurance rates in various cities, focusing on the most expensive areas in Michigan. Higher costs in these regions can stem from factors such as elevated accident rates and vehicle theft.

This comparison helps residents comprehend the financial implications of living in these high-cost areas. Read more information on the 5 steps to take after a car accident. Some areas can be more expensive than others. The table below displays the top 10 most expensive areas in Michigan for car insurance based on average rates for a single adult.

City	Rates
Highland Park	$751
Hamtramck	$739
Detroit	$727
Dearborn	$570
River Rouge	$555
Harper Woods	$528
Oak Park	$526
Ecorse	$525
Southfield	$524
Inkster	$512

These rates are based on a 35-year-old single adult with one driver and one vehicle on a policy. The car used was a 2015 Toyota Highlander LE. Full coverage was used with 100/300/50 limits and a $500 collision and comprehensive deductible. The driver had 1 driving incident within the past 3 years and had a good credit score. The rates displayed should only be used for comparative purposes as individual rates in Michigan will differ. Rate data is provided by Quadrant Information Services.

Michigan’s Percentage of Uninsured Drivers

Uninsured motorist coverage isn’t among the required coverages for Michigan drivers, but you’d be wise to consider purchasing it. Michigan’s uninsured driver percentage of 20.3 is the fourth highest in the country, according to 2015 data from the Insurance Information Institute. By comparison, the national average in 2015 was 13 percent.

Uninsured or underinsured motorist coverage offers protection in the event you are involved in an accident with a driver who either doesn’t have insurance or doesn’t have enough coverage. Having optional coverage will raise your overall average cost, but it should be considered for your own protection.

Factors Affecting Car Insurance Rate in Michigan

When searching and comparing quotes from the best and cheapest car insurance companies in Michigan, it can be frustrating trying to understand how your insurance rates are calculated. Often the cheapest company doesn't turn out to be the best deal, and you're left wondering what you missed.

While there is no exact formula that each car insurance company uses when providing you an car insurance quote, there are many factors that do contribute to the price you pay for your insurance. Among the factors that car insurers consider are:

• Age, Gender, & Marital Status
• Driving Record & Annual Mileage
• Your Car’s Make, Model, and Year
• Location & Crwhedit Score
• Amount of Car Insurance Coverage

One of the biggest misunderstandings when it comes to insurance rates is that the history of drivers in your area also contributes to how much you pay. For instance, even if you go two years without an accident, if there were a lot of accidents near you recently, your rates might still go up. Why is that the case? Explore more insights on "What is a driving record and what does it track?"

Insurance companies disperse risk across all policyholders so that when it comes time to pay a claim, they have enough money to payout. But imagine a scenario where they only raised rates for drivers with an accident. For drivers who had an expensive claim, drivers simply wouldn't be able to afford the raised rates that are based on how much their insurer had to pay after an accident. So instead, insurance companies slightly increase rates across the board to offset the costs, though of course, the at-fault driver may see a larger increase.

Strategies for Saving Money on Car Insurance in Michigan

At the end of the day, we'd all like to have the best, cheap car insurance from one of the best Michigan car insurance companies. However the cheapest option may leave you vulnerable on the road. While you never want to sacrifice quality to save a couple of dollars on your car insurance policy, there are some different ways you can lower your car insurance premium.

To potentially lower your car insurance rates, consider bundling your car insurance with other policies and raising your deductibles. Paying your policy in full and trying usage-based insurance can also be beneficial. It's important to monitor price changes to your policy and continuously shop for better rates. Additionally, inquire about available discounts and compare multiple quotes to find the most affordable option. Be sure to check a car insurance shopping guide on how to save money.

How Clearsurance Ranks Michigan Car Insurance Companies

Consistent with its mission towards greater transparency, Clearsurance does not keep its rating and ranking formulas in a black box. Insurers may keep their secrets when it comes to how they calculate coverage rates, but we want to be completely open and honest with how we operate. Our algorithm analyzes a range of inputs from our independent community of insurance customers, including:

• Price
• Customer Service
• Claim service
• Likelihood to renew

The algorithm also takes into account the percentage of what customers say the company does well vs. the percentage of what customers say the company could do better. All of it will be accurate content, and real information from real people. The Clearsurance customer ratings and rankings are derived entirely from customer reviews and ratings.

Check out the top 10 car insurance companies that customers are likely to recommend in Clearsurance reviews.

Wrapping Up: Mastering Car Insurance Coverage

Whether you're buying your insurance direct or going through an agent, understanding the different car insurance coverage options is a must. You don't want to end up footing the medical bills of another driver should you end up in an accident without the proper coverage limits. Car policies may vary from insurer to insurer, but you can be aware of the types of coverage, as well as what the minimum coverage limits should be in your state and for the type of vehicle you have.

Check out our car insurance blog for more information and topics related to car insurance.

Do you know what is covered by comprehensive coverage? Are you familiar with uninsured motorist coverage? Do you know how a deductible works? We want to make sure you’re equipped with a proper knowledge of car insurance, so check out our car insurance guide. Finding the answers to your questions could help you better understand not only the cost of car insurance, but also what coverage policy will end up being right for you. Enter your ZIP code below into our free comparison tool to find the lowest prices in your area.