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Among Michigan's most affordable car insurance providers are Auto-Owners, USAA, and Chubb.
Full-coverage car insurance in Michigan costs $211 monthly on average. The national average is $186. What you'll actually pay hinges on several factors, including your age and driving record. Getting quotes from multiple insurance companies is the best way to find your actual cost.
Below, we break down Michigan's cheapest car insurance options by coverage level, driver profile, and insurer.
Affordable full-coverage car insurance in Michigan
Full-coverage insurance in Michigan averages $211 per month. The national average is $186. Among the cheapest car insurance providers in the state are Auto-Owners, USAA, and Chubb.
| Average monthly full coverage cost | |
| Michigan average | $211 |
| National average | $186 |
| Auto-Owners | $107 |
| USAA | $108 |
| Chubb | $117 |
| Safeco | $193 |
Affordable liability-only car insurance in Michigan
Some of the most affordable liability car insurance providers in Michigan include Auto-Owners, USAA, and Chubb.
Liability-only coverage in Michigan averages $138 per month, compared to the national average of $104.
| Average monthly liability-only cost | |
| Michigan average | $138 |
| National average | $104 |
| Auto-Owners | $65 |
| USAA | $65 |
| Chubb | $71 |
| Safeco | $108 |
Cheap car insurance in Michigan by age
Age significantly impacts insurance costs. Car insurance for teens typically carries the highest rates. In Michigan, teen drivers face full-coverage policies averaging $330 per month due to their lack of driving experience.
Rates begin to decline as drivers enter their 20s, averaging $254 per month for full coverage. Drivers in their 30s and 40s see continued rate decreases, paying around $226 and $218 per month, respectively.
Premiums can rise again for drivers in their 60s and beyond, but that varies from driver to driver. Michigan seniors pay an average of $179 per month in their 60s and $164 in their 70s for full coverage.
| Age group | Average monthly full coverage cost | Average monthly liability-only cost |
| Teens | $330 | $216 |
| 20s | $254 | $166 |
| 30s | $226 | $148 |
| 40s | $218 | $142 |
| 50s | $201 | $132 |
| 60s | $179 | $117 |
| 70s | $164 | $107 |
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Cheap car insurance in Michigan for high-risk drivers
If you have a moving violation or accident on your record, car insurance premiums are typically higher. Getting car insurance if you have a bad driving record in Michigan is going to cost more. Here's a look at average costs for drivers with an accident, speeding ticket, or DUI on their record.
| Violation | Average monthly full coverage cost | Average monthly liability-only cost |
| Accident | $302 | $197 |
| Speeding ticket | $233 | $152 |
| DUI | $253 | $166 |
Compare low-cost car insurance after an accident
For drivers with an accident on their record, Auto-Owners, USAA, and Chubb offer cheap car insurance in Michigan. Drivers with an accident pay an average of $302 monthly for full-coverage premiums.
| Company | Average monthly full coverage cost | Average monthly liability-only cost |
| Auto-Owners | $144 | $88 |
| USAA | $147 | $89 |
| Chubb | $159 | $96 |
Average rate:
Compare low-cost car insurance after a speeding ticket
For drivers with a speeding ticket, Auto-Owners, USAA, and Chubb offer cheap car insurance in Michigan. Full coverage for those with a speeding ticket on their record costs an average of $233 per month in Michigan.
| Company | Average monthly full coverage cost | Average monthly liability-only cost |
| Auto-Owners | $129 | $78 |
| USAA | $129 | $78 |
| Chubb | $138 | $84 |
Compare low-cost car insurance after DUI conviction
Drivers with a DUI in Michigan can find cheap full coverage car insurance with Auto-Owners, USAA, and Chubb. Full coverage for drivers with a DUI on their record averages $253 per month.
| Company | Average monthly full coverage cost | Average monthly liability-only cost |
| Auto-Owners | $142 | $86 |
| USAA | $143 | $86 |
| Chubb | $155 | $94 |
Cheap car insurance in Michigan by credit score
Drivers with excellent credit in Michigan pay an average of $165 per month for full coverage. By contrast, drivers with poor credit face higher premiums starting at $264 per month.
However, Michigan is one of a few states that bans using credit scores in the setting of insurance rates, so any correlation in credit score and premium price below is likely related to other, non-credit factors.
| Credit score | Average monthly cost of full coverage | Average monthly cost of liability-only |
| Excellent | $165 | $108 |
| Good | $197 | $129 |
| Average | $224 | $147 |
| Poor | $264 | $173 |
FAQs
What factors affect my car insurance rates in Michigan?
Your age and driving can significantly impact your insurance rates in Michigan. Michigan law prohibits insurers from using credit scores, gender, marital status, or ZIP code when setting rates.
Should I get minimum coverage or full coverage in Michigan?
Full coverage is recommended for most Michigan drivers, especially if your vehicle is financed, leased, or worth more than a few thousand dollars. While minimum coverage is cheaper than full coverage, it won't pay for damage to your own vehicle after an accident you cause.
Full coverage includes collision and comprehensive insurance that protects your car from accidents, theft, weather damage, and vandalism.
What happens if I get caught driving without insurance in Michigan?
Driving without insurance in Michigan is a misdemeanor that can result in fines up to $500 and up to one year in jail. Your driver's license can be suspended until you provide proof of valid insurance. If you cause an accident while uninsured, you'll be personally liable for all injuries and property damage.
Bottom line
These may be Michigan's cheapest companies, but that doesn't necessarily mean they're the cheapest company for your individual car insurance needs. Getting quotes from the best car insurance companies and comparing them based on price and service is the best way to find the right company for you.
Data throughout provided by Insurify.
Average rate:
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