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Michigan car insurance

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Michigan

Car insurance quick facts

20/40/10

Minimum liability requirements

$2,200

Average annual car insurance cost

30

Days to update your license

No-fault state

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

  • Top-rated insurer
  • Online quotes & claims
  • Bundle and save

Our top pick: Progressive

Save up to 31% with safe driver discounts and bundling all your rides in one convenient policy.

  • Top-rated insurer with 80 years of experience
  • Easy online sign-up and reporting
  • Multiple discounts available
  • Transparent quoting

Compare car insurance in Michigan

Name Product Roadside assistance New car protection Accident forgiveness Safe driver discount Available states
Optional
30%
All 50 states
Save up to 31% with safe driver discounts and bundling all your rides in one convenient policy.
Optional
30%
All 50 states
Enjoy premium perks like better car replacement and accident forgiveness plus local agent support.
13%
All 50 states
Enjoy having your own dedicated agent to help you get the best discounts and coverage.
Optional
26%
All 50 states
It's quick and easy to get an online quote with Geico, and you might be surprised at how much you could save.
Optional
Yes
All 50 states
Drivers over 50 and AARP members enjoy special car insurance pricing and benefits.
Optional
Optional
55%
All 50 states
Get free quotes from top insurers for the exact coverage you need in minutes.
52%
AZ, AR, CO, CT, DE, GA, IL, IN, IA, KY, LA, MD, MI, MS, MT, NE, NM, ND, OH, OK, OR, PA, SC, TN, TX, UT
Root offers simple, affordable insurance that’s ideal for good drivers. Try the Root app for 2 weeks and see how much you could save.
40%
All states except AK, DE, HI, MT, NH, VT, WY
Esurance offers a modern online and mobile experience that helps you take your insurance on the go. Available in 42 states.

Compare up to 4 providers

CompanyDirect premiums written (billions)Market share
State Farm$1,655,34417.4%
Auto Club Insurance$1,504,30015.8%
Progressive$1,499,22615.8%
Auto-Owners Insurance Co.$979,00910.3%
Allstate$751,7907.9%
Hanover$593,0326.2%
Michigan Farm Bureau$456,5014.8%
Liberty Mutual$372,0143.9%
USAA$290,2783.1%
Frankenmuth$169,3971.8%

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

Company Average annual rate Learn more
Meemic $168
Hastings Direct $239
Secura $242
Pioneer State $294
Wolverine $798
AAA $909
Esurance $927
Travelers $1,006
Geico $1,040
Donegal $1,224

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
Allstate$10585
Farmers$8029
Metromile$4261
Esurance$3060
Progressive$3330

Car insurance quotes in Macomb

CompanyAnnual car insurance rate
Allstate$9631
Farmers$5169
Metromile$3545
Esurance$2506
Progressive$3198

Car insurance quotes in Ann Arbor

CompanyAnnual car insurance rate
Allstate$6843
Farmers$2335
Metromile$2570
Esurance$1778
Progressive$2302

Car insurance quotes in Ypsilanti

CompanyAnnual car insurance rate
Allstate$7899
Farmers$5039
Metromile$3375
Esurance$2278
Progressive$2465

Car insurance quotes in Canton

CompanyAnnual car insurance rate
Allstate$8381
Farmers$3660
Metromile$3443
Esurance$2186
Progressive$2554

Driving 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

profile pic

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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