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Compare car insurance in Michigan

Get the cheapest car insurance in Michigan for 2021

The average annual cost of car insurance in Michigan is $2,200. Narrow down car insurers offering coverage in Michigan by roadside assistance, accident forgiveness and more to get a quote.

Name Product Roadside assistance New car protection Accident forgiveness Safe driver discount Available states
All 50 states
Your dedicated agent can help you find the best savings with multiple discounts and rewards programs.
All 50 states & DC
Discover coverage that’s broader than competitors, valuable discounts up to 30% off and perks like shrinking deductibles that reward no claims.
The AARP Auto Insurance Program from The Hartford
All 50 states
Enjoy low rates for mature drivers, plus perks like new car replacement and lifetime repair guarantees. Only for drivers over age 50.
Depends on provider
All states & DC
Get quotes in 30-seconds from 100+ companies, and save an average of $800 or more per year. Requires online login to your existing insurance.
Liberty Mutual
All 50 states & DC
Earn free accident forgiveness after five years claims-free and customize your policy anytime online at the tap of a button.
All 50 states & DC
Affordable car insurance with highly rated customer service. Only available to military members and veterans and their family.

Compare up to 4 providers


Car insurance quick facts


Minimum liability requirements


Average annual car insurance cost


Days to update your license

No-fault state

In no fault states, each driver pays for their own damages in an accident.

Most popular Michigan auto insurance companies list

CompanyDirect premiums written (billions)Market share
State Farm$1,655,34417.4%
Auto Club Insurance$1,504,30015.8%
Auto-Owners Insurance Co.$979,00910.3%
Michigan Farm Bureau$456,5014.8%
Liberty Mutual$372,0143.9%

Average car insurance costs in Michigan

Here’s the bad news: Michigan is almost always ranked as the most expensive state in the country when it comes to car insurance costs. While the national average for car insurance is usually between $1,200 and $1,300 per year, Michigan’s average annual cost for standard auto insurance is known to top $2,200. There are quite a few reasons for this, which we’ll get into below.

The good news is that no matter how much the state’s average costs are, you can still pay far less and save a lot of money by controlling a few variables and finding ways to earn discounts on your coverage. If you saved 20% with provider discounts alone, your costs could immediately drop down to the range of $1,600 a year.

Cheapest Michigan car insurance rates

CompanyAverage annual rateLearn more
Hastings Direct$239
Pioneer State$294Read review
AAA$909Get a quoteRead review
Geico$1,040Get a quoteRead review

Which city has the cheapest car insurance in Michigan?

Of Michigan’s largest cities, Ann Arbor has the cheapest rates and Taylor has the most expensive car insurance rates. Taylor drivers could face rates 6 times more than Ann Arbor drivers.

Car insurance quotes in Taylor

CompanyAnnual car insurance rate

Car insurance quotes in Macomb

CompanyAnnual car insurance rate

Car insurance quotes in Ann Arbor

CompanyAnnual car insurance rate

Car insurance quotes in Ypsilanti

CompanyAnnual car insurance rate

Car insurance quotes in Canton

CompanyAnnual car insurance rate

State minimum car insurance requirements in Michigan

Every driver in the state of Michigan is required to carry minimum liability insurance coverage that includes coverage written as 20/40/10.

  • $20,000 bodily injury liability per person.
  • $40,000 bodily injury liability total per accident.
  • $10,000 property damage liability total per accident.

In addition to liability, Michigan requires that you have no-fault car insurance to cover injuries and damages in an accident, no matter who’s at fault. This includes personal injury protection and personal property insurance.

Some states require that you carry uninsured or underinsured motorist’s coverage (UM/UIM), which protects you if you’re in an accident caused by an uninsured driver. Michigan does not require this coverage, but 1 in 5 Michigan drivers don’t carry minimum coverage.

Can I get SR-22 insurance in Michigan?

Michigan doesn’t require SR-22 insurance for drivers who have been convicted of a DUI, caught driving without car insurance, or accumulated too many violation points on their records.

Roadside assistance in Michigan

Many insurers offer roadside assistance as an optional extra, and a few offer it free, typically when you buy collision and comprehensive coverage. Roadside help could come in handy on Michigan’s notoriously rough roads, which take a beating from wintry conditions and salt. As the saying goes, there are two seasons in Michigan: winter and construction season. Watch out for the many road repair and construction projects that take over Michigan’s streets and highways in the summer.

You can also get free roadside help, not including towing, from MDOT on certain Michigan freeways, including parts of US-23, I-96, I-94 and M-14. While there’s no number to call and no way to get help immediately, if your vehicle is stranded on the side of the road and you call the police, MDOT will be notified and may be able to send a vehicle to help. Services include flat tire change, clearing debris after an accident and delivering gas if you’re out of fuel.

Case study: Dawn’s experience

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Dawn Daniels

Staff Associate Editor

Michigan is a no-fault state. Which means that when I was in an accident, my insurance paid for my car — even though the other driver was at fault. Luckily I had collision coverage at the time, or I would have had over $4,000 in damages out of pocket.

My no-fault insurance was convenient when dealing with a claim, because I spent less than 10 minutes dealing with my insurance to get my car fixed. The downside is that Michigan is one of the most expensive states for car insurance. I managed to score a good student discount through AAA, but my roommate was paying well over $100 a month just for PLPD coverage.

Bottom line

Having the best insurance coverage you can afford protects you, your family and the drivers on your neighborhood roads, no matter what state you’re in. And especially in Michigan, this can be costly.

Researching your available providers, coverage options and price points can help you find the best insurance for your needs. To learn more about these topics, visit our comprehensive guide to car insurance.

A short term insurance in Michigan is a good option in case you’re planning to go on vacation or borrow a friend’s car. If you’re hitting the road in a rental and prefer not to buy the rental company’s policy, you could opt for seven-day insurance protection.

Common questions about car insurance in Michigan

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