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Michigan Car Insurance Quotes
Finding an affordable car insurance policy in Michigan can be tricky since the state ranks among the most expensive in the nation for auto coverage. According to our research, Michigan residents pay an average of $276 monthly for car insurance, a staggering 37% more than the nationwide average of $189. The state is known for its wintry and rainy weather, increasing costs.
Other elements that can influence Michigan car insurance rates include the driver's age and driving record, consumer profile, available discounts, and policy type. We considered those factors and others in our evaluation.
If you're ready for personalized recommendations, submit your ZIP code above and compare options instantly - absolutely free.
Michigan Car Insurance Laws
Michigan law mandates that all vehicle owners have no-fault insurance. The state adheres to a no-fault insurance system, which requires that every driver must carry specific minimum coverages.
Michigan’s car insurance minimums are:
- Unlimited medical expenses for personal injury protection (PIP), 85% of lost wages for up to three years (with a cap), and up to $20 per day for replacement services
- Up to $1 million for property protection (PPI) for damage your car causes to other people's property within Michigan
- $20,000 for residual liability insurance covering bodily injury per person
- $40,000 for residual liability insurance covering bodily injury per accident
- $10,000 for property damage in another state under residual liability insurance
Cheapest Insurance in Michigan
We partner with insurance experts to analyze millions of data points and get you the best car insurance in Michigan. Read on to learn more about properly insuring your car in Michigan.
It pays to compare Michigan car insurance quotes if you're seeking more affordable coverage. Read on to learn more.
| Rank | Insurance company | Average monthly premium |
|---|---|---|
| 1 | Travelers | $127 |
| 2 | GEICO | $131 |
| 3 | USAA | $146 |
| 4 | Progressive | $177 |
| 5 | Auto Club | $210 |
| Avg. monthly premiums are weighted by zip code population sizes | ||
Proof of Insurance
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does not specify grace periodsfor insurance coverage upon purchasing a new vehicle. ”
Penalties for lack of insurance include fines of up to $500 and up to one year of jail time. Plus, your license could be suspended until you can prove you have insurance. The state does not specify grace periods for insurance coverage upon purchasing a new vehicle, so get insured before driving your car off the lot.
Additional Coverage for Michigan
Many Michiganians purchase additional coverage, such as collision and comprehensive insurance. This extra protection is often purchased due to the state's harsh winters and potential for vehicle damage. Comprehensive coverage is also highly recommended to protect drivers from financial loss due to hitting deer. On average, there are over 50,000 accidents with deer each year in Michigan alone.
Frequently Asked Questions
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How much will I save switching insurance providers in Michigan?
Premiums are sourced from over 30,000 zip codes across 200 insurance companies. We estimate premiums based on public filings for policies seeking 50/100 in liability with $500 deductibles for collision and comprehensive coverage. Estimated rates are based on a 35-year-old single female with a good credit score and no history of accidents or violations driving a 2023 Toyota RAV4 LE. We partner with Quadrant Information Services to source our data and assume no unique benefits or discounts are applied for these rates (unless otherwise stated). Your own rates may be different.