The Essential Cheap Auto Insurance Rates Guide in Michigan (2022)
Secura and Travelers provide cheap auto insurance in Michigan. You can also get cheap car insurance in Michigan through Chubb, GEICO, and Wolverine Mutual. On average, Michigan auto insurance is $121 per month. However, some Michigan cities have rates in the thousands. Shop around and compare multiple insurance companies to secure affordable auto insurance rates in Michigan.
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Written by
Chelsey Tucker
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Reviewed by
Daniel Walker
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UPDATED: Feb 14, 2022
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- Michigan is one of the most expensive states for auto insurance
- Shoreham, MI auto insurance has the cheapest auto insurance rates in Michigan
- Hamtramck, MI has the most expensive auto insurance rates
- Michigan auto insurance is $31 more expensive than the national average
Are you searching for cheap insurance in Michigan? Shopping for cheap car insurance in Michigan is challenging.
Michigan auto insurance has the most expensive rates in the United States, but there is a way for you to get cheap auto insurance in Michigan.
What are the cheapest car insurance cities in Michigan? Don’t worry – we are here to help.
Our guide shows the average cost of Michigan auto insurance rates, where you can find cheap auto insurance companies, and what factors determine affordable auto insurance rates in Michigan.
Read on to learn all about cheap auto insurance in Michigan. If you are ready to compare multiple insurance companies near you, use our free comparison tool above.
Table of Contents
Where Can I Find Cheap Auto Insurance Rates in Michigan?
According to the National Association of Insurance Commissioners (NAIC), the average cost of Michigan car insurance is $121 a month. Michigan has the second-highest auto insurance rate in the United States.
Michigan auto insurance rates are expensive because of a high percentage of uninsured drivers, a high rate of insurance fraud, and the frequent occurrence of personal injury lawsuits.
But, you can find cheap auto insurance companies in Michigan, and we have found the best car insurance in the state for you.
Here is a table of the top Michigan insurance companies and their monthly rates.
| Companies | Monthly Auto Insurance Rates |
|---|---|
| Auto-Owners | $107 |
| Progressive | $111 |
| Frankenmuth | $122 |
| State Farm | $189 |
| AAA | $803 |
| Hanover | $1,134 |
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The best car insurance in Michigan is Auto-Owners, if you are looking for the most affordable rates. Progressive auto insurance is the following cheapest company.
Meanwhile, Frankenmuth, State Farm, AAA, and Hanover have higher than average auto insurance rates.
What is the Minimum Auto Insurance Requirement in Michigan?
Michigan’s minimum requirement for car insurance is liability coverage. However, liability insurance has several parts, which are:
- $50,000 for bodily injury of one person per accident
- $100,000 for bodily injury of multiple people per accident
- $1 million for property protection insurance (PPI) per incident in Michigan
- $10,000 for property damage per accident
- $250,000 for personal injury protection
Michigan’s limits are higher than most states in the nation. Therefore, car insurance rates in Michigan are calculated at a much higher cost.
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Can Age Affect Cheap Auto Insurance Quotes in Michigan?
Yes, it can. Your age is one of the most significant factors when determining car insurance.
Let’s see which companies are the most affordable by age group.
- Cheapest companies for 20-year-old drivers – Secura, Travelers, GEICO, and Chubb
- Most affordable companies for 30-year-old drivers – Secura, Travelers, Chubb, Wolverine Mutual, and GEICO
- Cheapest auto insurance companies for 40-year-old drivers – Secura, Travelers, and Wolverine Mutual
- Affordable auto insurance companies for 50-year-old drivers – Wolverine Mutual, Travelers, and Chubb
- Cheap auto insurance companies for 60-year-old drivers – Wolverine Mutual, Travelers, Chubb, and Secura
Full coverage car insurance from these companies is between $60 and $175.
Liability auto insurance rates can be as low as $8 a month. However, some companies have liability-only rates that are about $50 per month.
Overall, Secura, Wolverine Mutual, and Chubb are the cheapest car insurance companies in Michigan.
How Do Traffic Infractions Affect Cheap Auto Insurance in Michigan?
A clean driving record can help you secure the most affordable rates in Michigan. But what if you have a speeding ticket or an accident?
Let’s review how much car insurance rates will be for Michigan drivers with a traffic violation on their driving record.
| Traffic Infractions | Monthly Auto Insurance Rates |
|---|---|
| Hit and Run | $781 |
| Refused Breathalyzer/Chemical Test | $763 |
| DUI | $763 |
| Racing | $764 |
| Reckless Driving | $781 |
| Driving with a Suspended License | $657 |
| At-Fault Accident | $406 |
| Driving with an Open Container | $423 |
| Operating a Vehicle Without Permission | $337 |
| Passing a School Bus | $383 |
| Improper Passing | $366 |
| Following Too Closely | $363 |
| Speeding | $418 |
| Failure to Stop at a Red Light | $339 |
| Illegal Turn | $336 |
| Driving Wrong Way/Wrong Lane | $336 |
| Failure to Yield | $339 |
| Speeding in a School Zone | $351 |
| Driving Too Slowly | $345 |
| Distracted Driving | $328 |
| Driving with Expired Registration | $285 |
| Failure to Show Documents | $285 |
| Not-at-Fault Accident | $266 |
| Failure to Use Child Safety Restraint | $267 |
| Failure to Wear a Seat Belt | $267 |
| Driving Without Lights | $261 |
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Severe traffic offenses, such as DUI and hit-and-run, can significantly raise your auto insurance rates in Michigan.
Michigan is one of the most expensive states in America, and any driving violation can make monthly rates complicated.
Can I Buy Cheap Auto Insurance in Michigan if I Have Good Credit?
You can buy cheap car insurance in Michigan, but car insurance companies cannot use your credit score to determine auto insurance rates.
Michigan is one of several states in America that has prohibited insurance companies from using credit to calculate auto insurance rates.
What are the Cheapest Cities for Auto Insurance in Michigan?
Now that you have seen cheap auto insurance rates from various companies in Michigan, let’s look at what rates look like for some of Michigan’s most affordable cities for auto insurance.
| Cities | Average Monthly Rates |
|---|---|
| Shoreham | $433 |
| St. Joseph | $438 |
| Grandville | $442 |
| Bridgman | $444 |
| Stevensville | $446 |
| Ferrysburg | $451 |
| Grand Haven | $453 |
| Spring Lake | $453 |
| Hudsonville | $456 |
| Pellston | $458 |
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These cities are nearly four times the amount projected by the NAIC. However, it is cheaper than some of Michigan’s most populated cities.
What are the Most Expensive Cities for Auto Insurance in Michigan?
Speaking of Michigan’s highly populated urban cities, let’s look at how much you could spend on car insurance in other Michigan cities.
| Cities | Average Monthly Rates |
|---|---|
| Hazel Park | $1,052 |
| Ecorse | $1,070 |
| Southfield | $1,075 |
| Dearborn | $1,096 |
| Eastpointe | $1,129 |
| Inkster | $1,141 |
| River Rouge | $1,145 |
| Detroit | $1,303 |
| Highland Park | $1,419 |
| Hamtramck | $1,697 |
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Each city in the table has a high frequency of auto insurance claims, and insurance rates are 10 times more expensive than average. Fortunately, most auto insurance companies can lower rates through discounts.
Which Auto Insurance is the Most Affordable for Military Veterans?
USAA is the best car insurance company for members of the U.S. Armed Forces. But USAA is not available to drivers who are not in the military.
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Cheap Auto Insurance in Michigan: The Bottom Line
Michigan auto insurance is expensive on the surface. However, you can secure cheaper rates when shopping with several insurance companies.
Although car insurance in Michigan projects costly rates, multiple insurance companies have affordable monthly rates.
Before you buy cheap auto insurance in Michigan, use our free online quote tool to compare multiple insurance companies near you.
Frequently Asked Questions: Cheap Auto Insurance in Michigan
Are you interested in learning more about affordable car insurance in Michigan? Read these answers to these frequently asked questions to learn more.
#1 – Is GEICO auto insurance cheaper in Michigan?
No, it is not. Secura and Travelers are more affordable in Michigan.
#2 – How much is minimum auto insurance in Michigan?
It varies for each person. But the lowest minimum car insurance rate is $8 a month.
#3 – Who typically has the cheapest auto insurance?
Senior drivers pay the least for car insurance in Michigan.