Cheapest Car Insurance in Michigan
Numbers refreshed
Where Michigan publishes prices, insurers are ranked by cost. You also get tips for lowering your bill.
- $69.the average monthly cost of the legal minimum.
- 50/100/10.the minimum liability limits.
- 11th of 51.the most expensive state (1st = highest).
Who's cheapest in Michigan
Michigan publishes no price comparison of insurers, so official figures can't rank every company in the state. The cheapest legal policy costs $831 a year on average, about $69 a month (NAIC).
Get quotes from at least three insurers using the same limits and deductibles. A local agent, a regional company and a direct writer often quote very different prices for the same driver.
Ways to spend less
- Keep the state minimum only on an old car you could replace with cash: dropping collision and comprehensive saves $960 a year on the Michigan average.
- Raise your deductible; what you save in a year often beats the extra amount you'd pay on one claim.
- Ask for every discount by name: good student, multi-car, paying in full, safe-driving apps, bundling home and auto.
- When your policy renews, compare prices again; one company raising rates doesn't mean the others did too.
More car insurance topics for Michigan
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