Hastings Mutual has the best car insurance in Michigan in 2024. It has highly competitive rates for most drivers and a very low level of complaints to state insurance departments, suggesting customers are satisfied with their Hastings Mutual experience.
Other top car insurance companies in Michigan include Wolverine Mutual, Travelers and Geico.
Best car insurance companies in Michigan of 2024
Why trust our car insurance experts
Our team of car insurance experts has decades of experience as licensed property and casualty experts, insurance editors and consumers. We approach car insurance analysis as if we were shopping for ourselves or our family members, focusing on rates, coverage and features available, customer complaints and the collision repair process.
Using a data-driven methodology, we evaluate hundreds of auto insurance products, analyze thousands of data points and rate each insurer to help you find the best car insurance product for your situation. Advertisers never influence our editorial content. You can read more about our methodology below.
- 16 Michigan car insurance companies reviewed.
- 352 Michigan car insurance rates analyzed.
- 5 levels of fact-checking.
Our team of insurance experts evaluated 16 Michigan car insurance companies to determine the best coverage based on average rates and consumer complaints. Each insurer was eligible for up to 100 points based on the following factors.
- Cost: 60 points. Analysis of Quadrant Information Services rates for a policy with 100/300/100 in liability coverage, uninsured motorist coverage and comprehensive and collision coverage. We also analyzed average rates for various driver profiles. Driver profiles include:
- Driver with an accident, speeding ticket or DUI on their record.
- Driver with a gap in coverage.
- Teen drivers added to a parent’s policy.
- High-risk driver.
- Customer complaints: 40 points. We looked at data from the National Association of Insurance Commissioners (NAIC), which shows the volume of car insurance consumer complaints against each company. When a consumer lodges a complaint to their state’s department of insurance — often about an insurance company’s claims process, delays, denials or settlements — these complaints are logged and tracked.
Compare the best car insurance companies in Michigan
Use the table below to jump start your search for the best car insurance in Michigan. Getting auto insurance quotes from multiple insurers can ensure you find the best rates and coverage for your needs.
| COMPANY | MICHIGAN RATING | AVERAGE MONTHLY COST FOR GOOD DRIVERS | CUSTOMER COMPLAINTS | LEARN MORE | ||||||
|---|---|---|---|---|---|---|---|---|---|---|
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$116 | Very low | ||||||||
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$144 | Very low | ||||||||
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| $140 | Very low | |||||||||
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| $130 | Low | |||||||||
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How much does car insurance cost in Michigan?
In Michigan, the average annual car insurance rate for good drivers is $2,799 per year, or $233 per month, for good drivers. That is slightly more expensive than the national average annual rate of $2,067, or $172 per year.
How much you’ll pay for coverage in Michigan will depend on several factors, including your age, driving record, ZIP code, vehicle make and model and the type and amount of coverage you purchase.
Cheapest car insurance in Michigan
If you’re looking for the cheapest car insurance in Michigan, see the tables below for the lowest rates based on your driver profile.
Cheapest car insurance after a speeding ticket in Michigan
Secura has the cheapest car insurance for drivers with a speeding ticket in Michigan. Its average monthly rate for drivers in this category is $143, well below the state average of $323 per month. Hastings Mutual also offers coverage for less than $150 per month.
Cheapest car insurance after an accident in Michigan
Secura offers the cheapest car insurance after an accident in Michigan. On average, drivers pay $143 per month with Secura, based on our analysis of rates. Wolverine Mutual, which made our best car insurance companies in Michigan rating, also offers coverage for less than $200 per month.
Cheapest car insurance after a DUI in Michigan
If you have a DUI in Michigan, consider Progressive. It has the lowest average rates of $202 per month after a DUI in Michigan and is around $70 less per month than Secura. Secura and Progressive are the only insurers analyzed to offer average rates below $300 after a DUI.
| MICHIGAN CAR INSURANCE COMPANY | AVERAGE ANNUAL RATE | AVERAGE MONTHLY RATE | LEARN MORE | |||||
|---|---|---|---|---|---|---|---|---|
| $2,419 | $202 | |||||||
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$3,280 | $273 | ||||||
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$3,989 | $332 | ||||||
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Cheapest car insurance in Michigan after a gap in coverage
A gap in your car insurance history can be a red flag for insurers, but you may be able to find coverage for around $100 per month with Secura. Geico and Hastings Mutual are also competitively priced, offering coverage for around $130 per month.
| MICHIGAN CAR INSURANCE COMPANY | AVERAGE ANNUAL RATE | AVERAGE MONTHLY RATE | LEARN MORE | |||||
|---|---|---|---|---|---|---|---|---|
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$1,237 | $103 | ||||||
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| $1,557 | $130 | |||||||
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$1,607 | $134 | ||||||
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Cheapest car insurance for adding a teen driver in Michigan
Secura has the lowest rates for parents adding a teen driver (ages 16 to 19) to a parent policy, followed by Progressive. However, Geico’s rates are equally competitive, and, with a lower rate of complaints to state insurance departments, it is worth considering.
| MICHIGAN CAR INSURANCE COMPANY | AVERAGE ANNUAL RATE | AVERAGE MONTHLY RATE | LEARN MORE | |||||
|---|---|---|---|---|---|---|---|---|
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$2,543 | $212 | ||||||
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| $2,877 | $240 | |||||||
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| $3,086 | $257 | |||||||
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How to find cheap auto insurance in Michigan
Michigan is home to some of the highest premiums, based on our analysis of rates across the United States. Follow the steps below to unlock lower car insurance rates in Michigan.
- Shop around. Get at least three car insurance quotes before choosing a Michigan car insurance company. Ensure you compare quotes for the same type and amount of coverage.
- Look for discounts. Most car insurance companies offer at least a few car insurance discounts that can lower premiums. Common discounts include loyalty discounts, multi-policy discounts (such as home and auto bundles), good driver discounts and good student discounts. Ask a Michigan car insurance agent if you qualify for any discounts.
- Review your coverage. Make sure your car insurance policy reflects your current needs. Sometimes, it may make sense to drop coverages like gap insurance or roadside assistance if you no longer need them or get those benefits elsewhere.
- Adjust limits and deductibles. You may save some money by decreasing your limits, or how much your insurer will pay out after a covered claim. Increasing your deductibles, or the amount of money your insurer will deduct from a claim payout, may also result in slightly lower rates. Remember, both can leave you responsible for more out-of-pocket expenses, so proceed cautiously.
- Maintain a safe driving record. Speeding tickets, DUIs and other traffic violations, like failing to stop for a school bus, appear on your driving record and act as red flags for insurers. Driving safely and keeping your record clean can help keep rates low.
Car insurance in Michigan vs. other states
Here’s how much a full-coverage car insurance policy for a good driver in Michigan costs compared to other states.
How much car insurance do I need in Michigan?
Drivers in Michigan are required to carry a no-fault car insurance policy that includes, at minimum, the following types and amounts of coverage:
- Bodily injury and property damage liability insurance that provides:
- $20,000 in bodily injury coverage per person who is injured or killed in an accident.
- $40,000 in bodily injury coverage for each accident, for all people injured or killed.
- $10,000 in property damage to cover damage your vehicle causes to other people’s property in an accident in another state.
- Personal injury protection (PIP). Covers all reasonable and necessary lifetime medical expenses and three years of lost wages and replacement services if you are hurt in a car accident.
- Property protection (PPI). Covers up to $1 million in damage your vehicle causes to other people’s property in Michigan, such as fences, buildings and other people’s properly parked cars.
If you have a car loan or lease your vehicle, your lender or lessor will likely require you to carry full coverage, which includes any coverages mandated by the state of Michigan and collision and comprehensive coverage.
Expert tip: Purchasing the minimum amount of car insurance required can help you meet legal requirements in Michigan, but it may not be enough to cover your financial obligations after an accident. For instance, if you’re at fault for an accident that causes $50,000 in bodily injuries and you only have the minimum amount of liability insurance, you’ll be on the hook for the additional $10,000. Purchase enough car insurance to protect your assets after an accident.
Best car insurance in Michigan FAQs
Secura has the lowest average car insurance rates for most Michigan drivers. However, Hastings Mutual, Travelers, Geico and Wolverine Mutual also have competitive rates.
If you have a DUI in Michigan, consider Progressive. Though its rates aren’t as competitive for other drivers, it has the lowest rates for drivers with a DUI on their record.
The average cost of car insurance in Michigan is $2,799 per year or $233 per month, based on our analysis or rates. How much you’ll pay for auto insurance in Michigan depends on several factors, including:
- Type and amount of coverage you purchase.
- Make and model of your vehicle.
- Where you live.
- Driving record.
Hastings Mutual is the best car insurance in Michigan, based on our analysis of rates and consumer complaints. It offers low premiums for most drivers and has an extremely low rate of complaints to the Michigan Department of Insurance and Financial Services (DIFS).
Other top auto insurers in Michigan include Wolverine Mutual, Travelers and Geico.
No. According to the Michigan Department of Insurance and Financial Services, car insurance companies in Michigan cannot use your credit score when determining your car insurance premium. In addition, insurers in the state are also prohibited from using the following factors:
- Gender.
- Marital status.
- Educational level.
- Occupation.
- ZIP code.
- Homeownership.
Though there are several factors that Michigan car insurance companies cannot use to determine your rates, they will factor in the type and amount of car insurance you purchase, the make and model of your vehicle and your driving record. Violations like a speeding ticket, at-fault accident or DUI will increase your rates.
Based in New York, Stephen Freeman is a Senior Editor at Trending Insurance News. Previously he has worked for Forbes and The Huffington Post. Steven is a graduate of Risk Management at the University of New York.