Fact CheckedThe cheapest car insurance in Michigan, at a glance
The average cost of car insurance in Michigan is $253 per month, or $3,035 per year for full coverage.
Wolverine Mutual offers the cheapest minimum coverage in Michigan, with an average monthly rate of $26.
Auto-Owners has the cheapest car insurance after an accident, with an average rate of $242 per month or $2,904 per year for full coverage.
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Our editorial team analyzed rates from 21 insurers to find the cheapest auto insurance companies in Michigan. While GEICO has the cheapest full coverage in Michigan, it won’t always have the lowest rates. What you pay depends on your location, driving history and other factors.
Cheapest car insurance in Michigan by coverage type
The company that’s right for you depends partly on the kind of policy you get. More coverage usually means higher rates, but a stronger policy could also help you avoid having to cover unexpected damage to your car.
We recommend getting quotes from multiple car insurance companies to find out which is the cheapest for the coverage you need.
GEICO has the cheapest car insurance in Michigan for full coverage, with an average rate of $107 per month or $1,283 per year.
Full coverage insurance helps pay for repairs to your vehicle after an at-fault accident, as well as damage and injuries you cause to others. While it can be expensive, finding cheap full coverage is possible — and it’s worth having, even if you aren’t required to get it.
If you have a car loan or lease, your lender will likely require you to carry full coverage, which includes comprehensive and collision insurance. These insurance types help cover your car if it's stolen or damaged in an accident you cause, as well as after most other scenarios.
| Company | Median annual rate | Median monthly rate |
|---|---|---|
| GEICO | $1,283 | $107 |
| Hastings Mutual | $1,958 | $163 |
| Farmers | $2,210 | $184 |
| Fremont | $2,312 | $193 |
| Wolverine Mutual | $2,432 | $203 |
Wolverine Mutual has the cheapest car insurance in Michigan for minimum coverage, with an average rate of $26 per month or $317 per year.
In Michigan, a basic policy includes liability insurance for injuries and damage to other people and their things. Michigan also requires personal injury protection, which covers your own injuries regardless of who’s at fault for an accident. After an accident that you’re responsible for, you'll have to pay for damage to your car if you don’t have full coverage.
The rates below are based on a 35-year-old driver with good credit and a clean driving history.
| Company | Median annual rate | Median monthly rate |
|---|---|---|
| Wolverine Mutual | $317 | $26 |
| Fremont | $434 | $36 |
| Farmers | $536 | $45 |
| GEICO | $541 | $45 |
| Auto-Owners | $543 | $45 |
Rates refreshed October 2025.
- Minimum car insurance required in Michigan
Michigan residents must carry liability insurance, personal property protection (known as PPI) and personal injury protection (known as PIP).
You must select at least the following amounts:
$50,000 bodily injury liability per person.
$100,000 bodily injury liability per incident.
$1 million PPI for incidents that occur within Michigan.
$10,000 property damage liability per incident outside Michigan.
$250,000* personal injury protection.
*Lower PIP limits available for certain Medicare and Medicaid recipients.
Liability car insurance covers the cost of any damage, injuries or deaths you cause in a car accident, up to your policy’s predefined limits.
Property protection insurance, or PPI, pays to fix damage you cause to others’ property, such as a fence or garage, while driving, or damage you cause to others’ parked cars. It will pay up to $1 million for repairs if you’re driving in Michigan and damage another resident’s property.
Personal injury protection will cover your medical bills and expenses if you’re injured in a car crash, up to your policy limits, no matter whose fault it was. Depending on your state, PIP may also pay for:
Lost wages if you’re unable to work due to injuries from an accident.
Services you can no longer perform, like house cleaning or child care, because of your injuries.
Funeral costs if an accident-related injury leads to death.
A small death benefit as a cash payout.
Experts recommend buying more than the bare minimum liability insurance to avoid having to pay out of pocket for damage that exceeds your policy’s limits.
Check out NerdWallet’s guide to car insurance requirements by state to learn more about how the required and optional coverages of your Michigan auto policy work.
Risks of minimum car insurance
While it might seem like Michigan requires a lot of coverage, many drivers actually need more than the minimum amount. State requirements can be low and leave you on the hook for medical bills, damaged property and more if you’re in a serious accident. Unless you can pay those bills out of pocket, you’d benefit from full coverage.
Getting the least amount of car insurance possible might also mean missing out on optional coverage types that could help pay for damage in common situations. For example, full coverage would help cover damage to your car if it was vandalized, or if you slid off the road during a snowstorm.
Cheap car insurance in Michigan from top companies
The cheapest company may not always be the right option for you. Price is just one factor to consider while shopping. Try to look for insurance companies that have affordable coverage and a good reputation for high-quality service and long-term stability.
Check out some of the insurance companies that our editorial team has awarded a 4.5- or 5-star rating in Michigan.
Auto-Owners: $205 per month
GEICO: $107 per month
Farmers: $184 per month
Progressive: $219 per month
State Farm: $294 per month.
USAA: $126 per month. (USAA is available only to active duty military, veterans, their families and some federal employees.)
» MORE: Best car insurance in Michigan
Cheapest car insurance in large Michigan cities
Your location has a lot to do with your car insurance rates. While the cost of car insurance changes depending on where you live, it’s often more expensive in large cities. That’s because cities usually have a higher number of drivers, more frequent crime and other factors that lead to higher rates. Even moving to a different part of town can cause your rates to get more expensive.
If you’re thinking about moving, estimate what your rates could be in your new neighborhood. This could help you avoid the surprise of a higher insurance bill later on.
- Cheapest in Grand Rapids
These are the cheapest car insurance companies in Grand Rapids for different driving profiles.
Category Cheapest Company Median annual rate Clean driving history GEICO $1,317 After a DUI Progressive $2,818 After an accident Auto-Owners $2,806 After a speeding ticket Farmers $2,520 Having poor credit GEICO $2,122 Category Cheapest Company Median annual rate Clean driving history Wolverine Mutual $291 After a DUI Farmers $728 After an accident Wolverine Mutual $363 After a speeding ticket Wolverine Mutual $341 Having poor credit Wolverine Mutual $489 Rates refreshed October 2025.
- Cheapest in Lansing
These are the cheapest car insurance companies in Lansing for different driving profiles.
Category Cheapest Company Median annual rate Clean driving history GEICO $1,326 After a DUI Progressive $2,857 After an accident Auto-Owners $2,814 After a speeding ticket Farmers $2,252 Having poor credit GEICO $2,137 Rates refreshed October 2025.
Cheapest car insurance in Michigan by age
Your age is one important factor determining how much you'll pay for car insurance. Teens pay the most, with rates typically decreasing once you hit your 30s and going up again in your 70s.
Below are the cheapest car insurance rates for Michigan drivers from different age groups. All rates are for drivers with clean driving records and good credit.
- Cheapest for young drivers
GEICO has the cheapest car insurance for young drivers in Michigan, with an average rate of $202 per month or $2,420 per year for full coverage.
Young drivers may have to get a lot of quotes to find the best cheap car insurance. Prices can be high in your 20s, but tend to come down as you get more experience on the road. Still, some companies routinely have better rates on car insurance for young drivers, so it's best to shop around.
Company Median annual rate Median monthly rate GEICO $2,420 $202 Auto-Owners $3,485 $290 Progressive $4,413 $368 Michigan Farm Bureau $4,419 $368 Pioneer State $4,789 $399 Company Median annual rate Median monthly rate Auto-Owners $749 $62 GEICO $855 $71 Fremont $883 $74 Wolverine Mutual $951 $79 Meemic $984 $82 These are median rates for 20-year-old drivers who get their own standalone policy, according to our October 2025 analysis. A driver who’s added to an existing policy may have cheaper rates.
- Cheapest for millennial drivers
GEICO has the cheapest car insurance for millennials in Michigan, with an average rate of $107 per month or $1,283 per year for full coverage.
By the time they reach their 30s, most people with clean driving records and good credit will have cheaper car insurance rates than in their teens and 20s. Still, factors like a person’s driving record and car make and model can increase prices. Drivers in their 30s can get lower rates by shopping around and taking advantage of any car insurance discounts.
Company Median annual rate Median monthly rate GEICO $1,283 $107 Hastings Mutual $1,958 $163 Farmers $2,210 $184 Fremont $2,380 $198 Auto-Owners $2,450 $204 Company Median annual rate Median monthly rate Wolverine Mutual $365 $30 Fremont $447 $37 Auto-Owners $534 $45 Farmers $536 $45 GEICO $541 $45 These are median rates for 30-year-old drivers, according to our October 2025 analysis.
- Cheapest for Gen X drivers
GEICO has the cheapest car insurance for Gen X drivers in Michigan, with an average rate of $111 per month or $1,329 per year for full coverage.
While insurance rates vary by age and gender, drivers in their 50s can often expect to get cheap insurance rates from a few companies. If you’ve paid off your car’s loan, you might want to reconsider how much car insurance you need and drop extra coverage. While this can get you cheaper rates, it’s only an option if you could afford to replace your car on your own.
These are median rates for 50-year-old drivers, according to our October 2025 analysis.
- Cheapest for senior-age drivers
Fremont has the cheapest car insurance for senior-age drivers in Michigan, with an average rate of $168 per month or $2,016 per year for full coverage.
We found that car insurance rates for seniors who have a clean driving history and good credit are often lower than for many younger drivers. Once you’re in your 70s, your rates will start to go up a little each year.
Company Median annual rate Median monthly rate Fremont $2,016 $168 Hastings Mutual $2,052 $171 Farmers $2,078 $173 Progressive $2,238 $186 Auto-Owners $2,268 $189 Company Median annual rate Median monthly rate Wolverine Mutual $323 $27 Farmers $352 $29 Fremont $387 $32 Chubb $567 $47 Auto-Owners $617 $51 These are median rates for 70-year-old drivers, according to our October 2025 analysis.
Cheapest car insurance in Michigan by driving record
A driving violation will likely increase your car insurance rates. That said, insurance companies price driving violations differently. If you’re considered a high-risk driver, you may still be able to find relatively cheap rates with different insurers.
- Cheapest after a speeding ticket
Hastings Mutual has the cheapest car insurance in Michigan after a speeding ticket, with an average rate of $205 per month or $2,464 per year for full coverage.
A speeding ticket may affect the cost of car insurance, but insurers use different equations to calculate prices. So, if your rates rose after a recent ticket, you may still be able to get cheaper coverage by shopping around.
Rates refreshed October 2025.
- Cheapest after an at-fault accident
Auto-Owners has the cheapest car insurance in Michigan after an at-fault accident, with an average rate of $242 per month or $2,904 per year for full coverage.
An accident can affect your car insurance costs for a few years, depending on your location and your insurer. But it can be hard to predict how much insurance will increase after an accident. If your insurance went up after a recent crash, you might find cheaper options by shopping around.
Company Median annual rate Median monthly rate Auto-Owners $2,904 $242 Fremont $2,972 $248 Wolverine Mutual $3,062 $255 GEICO $3,189 $266 Hastings Mutual $3,414 $285 Company Median annual rate Median monthly rate Wolverine Mutual $403 $34 Fremont $584 $49 Auto-Owners $663 $55 Pioneer State $788 $66 Meemic $814 $68 Rates refreshed October 2025.
- Cheapest after a DUI
Progressive has the cheapest car insurance in Michigan after a DUI with an average rate of $264 per month or $3,167 per year for full coverage.
It’s even more important to shop for cheap car insurance after a DUI because of how much a DUI can raise your insurance rates. Our analysis showed that a 35-year-old in Michigan with a clean driving history could get full coverage for $107 a month, on average. But after a DUI, that same driver could pay $264 a month for identical coverage.
Company Median annual rate Median monthly rate Progressive $3,167 $264 Farmers $5,270 $439 Auto-Owners $5,410 $451 Pioneer State $5,814 $485 Bristol West $6,503 $542 Company Median annual rate Median monthly rate Farmers $912 $76 Wolverine Mutual $929 $77 Progressive $1,115 $93 Pioneer State $1,356 $113 Auto-Owners $1,402 $117 Rates refreshed October 2025.
If you’re not able to get car insurance on your own because of your driving record or other factors, you could apply for coverage through the Michigan Automobile Insurance Placement Facility. The MAIPF isn’t an insurance company, it’s an association that helps agents and drivers connect with insurers in the state.
» MORE: Getting an SR22 in Michigan
Cheapest car insurance in Michigan by credit history
Your credit history can impact your auto insurance rates in Michigan. Insurers use a credit-based insurance score to get a sense of how likely it is that you’ll file a claim.
A credit-based insurance score is different from the type of credit score that you’re probably more familiar with. Both are based on information included in your credit report, so you may be able to improve your credit-based insurance score in the same way as your regular credit score.
- Cheapest for drivers with poor credit
GEICO has the cheapest car insurance in Michigan for drivers with poor credit, with an average rate of $172 per month or $2,064 per year for full coverage.
Company Median annual rate Median monthly rate GEICO $2,064 $172 Hastings Mutual $3,158 $263 Fremont $3,675 $306 Chubb $3,967 $331 Progressive $4,571 $381 Rates refreshed October 2025.
- Cheapest for drivers with good credit
GEICO has the cheapest car insurance in Michigan for drivers with good credit, with an average rate of $107 per month or $1,283 per year for full coverage.
Company Median annual rate Median monthly rate GEICO $1,283 $107 Hastings Mutual $1,958 $163 Farmers $2,210 $184 Fremont $2,312 $193 Wolverine Mutual $2,432 $203 Company Median annual rate Median monthly rate Wolverine Mutual $317 $26 Fremont $434 $36 Farmers $536 $45 GEICO $541 $45 Auto-Owners $543 $45 Rates refreshed October 2025.
See what you could save on car insurance
Easily compare personalized rates to see how much switching car insurance could save you.
Cheapest car insurance in Michigan for military families
USAA
- High customer satisfaction ratings.
- One-stop shop for insurance as well as banking and investing products.
- Policies available in all states and Washington, D.C.
- Available to active military, veterans and their families only.
If you're an active member of the military or a veteran — or you have an immediate family member who is — chances are you'll get a relatively cheap rate with USAA, a company that isn't available to the general public.
Because of that restriction, USAA isn't ranked with the others, but it was among the cheapest three auto insurance options for 68 of the 70 driver profiles we examined. Read our USAA auto insurance review.
Methodology
NerdWallet averaged rates based on public filings obtained by pricing analytics company Quadrant Information Services. We examined rates for 35-year-old men and women for all ZIP codes in all 50 states and Washington, D.C.
Unless otherwise stated, our analysis was based on our base driver profile, which has the following characteristics and coverage levels:
35 years old
Single. Male or female.
2022 Toyota Camry LE
12,000 annual miles driven.
Good driving record and credit
No moving violations.
"Good driving" discount applied.
Good credit-based insurance score.
Bodily injury liability coverage
$100,000 per person. $300,000 per crash.
Property damage liability coverage
$50,000 per crash.
Uninsured motorist bodily injury coverage
$100,000 per person. $300,000 per crash.
Collision coverage
With a $1,000 deductible.
Comprehensive coverage
With a $1,000 deductible.
- See characteristics for other driver profiles
For all other driver profiles, we used the same assumptions, with the following exceptions:
We changed the credit tier from “good” to “poor,” as reported to the insurer, to see rates for drivers with poor credit. These rates are based on credit score approximations and do not account for proprietary scoring criteria used by insurance providers.
For drivers with one at-fault crash, we added a single at-fault crash that happened six months ago, resulting in $10,000 in property damage and no bodily injury claim.
For drivers with a DUI, we added a single drunken driving violation that happened six months ago.
For drivers with a ticket, we added a single speeding violation for driving 16 mph over the speed limit.
For young drivers, we considered 20-year-olds with good credit and no driving violations.
For millennial drivers, we considered 40-year-olds with good credit and no driving violations.
For senior drivers, we considered 70-year-olds with good credit and no driving violations.
These are median rates, and your rate will vary based on your personal details, state and insurance provider. Sample drivers had the minimum required coverage by law in each state. Some policies include additional coverage at the insurer’s discretion.
Although it’s one of the largest insurers in the country, Liberty Mutual is not included in our rates analysis due to a lack of publicly available information.
