Cheap Auto Insurance – Michigan (June 2022) – NerdWallet

car insurance is an important purchase, but finding bum car insurance in Michigan isn ’ thymine always easy. That ’ sulfur why it ’ second important to compare rates from multiple insurers. The average monetary value of wax coverage car indemnity in Michigan is $ 2,125 per year, or about $ 177 per calendar month, according to NerdWallet ’ s psychoanalysis. minimum coverage in Michigan is $ 913 per class on modal, but we found you can likely get a cheaper policy. For example, Travelers offers the cheapest rates in Michigan at $ 106 per year, on average, for minimal coverage car indemnity for a 35-year-old driver with a clean drive record. If you ‘re looking for cheap options in the birthplace of Motown, check out our steer to the brassy car indemnity in Detroit. Why you can trust NerdWallet : Our writers and editors follow stern editorial guidelines to ensure comeliness and accuracy in our write and data analyses. You can trust the prices we show you because our data analysts take rigorous measures to eliminate outliers and inaccuracies in pricing data, which include rates from every venue in the nation where coverage is offered and data is available. When comparing rates for different coverage amounts, ages and backgrounds, we change alone one varying at a prison term, so you can easily see how each component affects pricing.

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Cheapest cable car insurance company overall in Michigan
Secura $ 82/month not yet rated .
Cheapest for minimum coverage
Travelers $ 9/month

5.0 NerdWallet ‘s ratings are determined by our column team. The scoring formulas take into account multiple data points for each fiscal product and service . NerdWallet denounce

Cheapest for young drivers
Secura $ 169/month not yet rated .

How we chose the cheapest companies in Michigan

NerdWallet ’ s column team analyzed cable car policy rates from 22 car insurers in Michigan and found the five cheapest options for drivers in several historic period brackets and with different histories, all driving a 2019 Toyota Camry L. For minimum coverage, we looked at rates that reflect the minimum requirements in Michigan. For full coverage, we used the under coverage limits :

  • $ 100,000 bodily injury liability per person .
  • $ 300,000 bodily injury liability per accident .
  • $ 50,000 property damage liability per accident .
  • $ 100,000 uninsured motorist coverage per person .
  • $ 300,000 uninsured motorist coverage per accident .
  • Collision coverage with a $ 1,000 deductible .
  • comprehensive coverage with a $ 1,000 deductible .

Cheapest for 20-year-old drivers

Drivers in their 20s may have to get a distribute of quotes to find the best cheap car policy. Prices can be sky-high for younger 20-somethings, but tend to come down as drivers get more feel on the road. still, some companies routinely have better policy rates for young drivers, so it ‘s best to shop around to find them.

Cheapest full coverage car insurance in Michigan for 20-year-olds

Drivers in Michigan with clean repel records may want to consider the surveil companies, which had the lowest average rates :

  1. Secura : $ 2,031 per year, or about $ 169 per month .
  2. Geico : $ 2,055 per year, or about $ 171 per calendar month .
  3. Chubb : $ 2,569 per class, or about $ 214 per calendar month .
  4. michigander Mutual : $ 2,891 per class, or about $ 241 per month .
  5. progressive : $ 3,289 per class, or about $ 274 per month .

Cheapest minimum coverage car insurance in Michigan for 20-year-olds

Drivers in Michigan who want good the state minimum coverage may want to check with these companies, which had the lowest average rates :

  1. Secura : $ 456 per class, or about $ 38 per calendar month .
  2. Travelers : $ 459 per class, or about $ 38 per calendar month .
  3. michigander Mutual : $ 606 per class, or about $ 50 per month .
  4. Chubb : $ 680 per year, or about $ 57 per calendar month .
  5. Westfield : $ 708 per year, or about $ 59 per calendar month .

Cheapest auto insurance in Michigan for 20-year-old drivers with one at-fault crash

For drivers with a late accident in Michigan, here are the companies with the lowest average rates for minimum coverage :

  1. Travelers : $ 529 per class, or about $ 44 per calendar month .
  2. Chubb : $ 680 per class, or about $ 57 per calendar month .
  3. Secura : $ 805 per year, or about $ 67 per calendar month .
  4. glutton Mutual : $ 813 per year, or about $ 68 per calendar month .
  5. Westfield : $ 903 per class, or about $ 75 per month .

Cheapest auto insurance in Michigan for 20-year-old drivers after a DUI

The cheapest car insurance we found after a DUI is shown here, alongside the insurers ‘ average rates for minimal coverage .

  1. Travelers : $ 459 per year, or about $ 38 per calendar month .
  2. Chubb : $ 680 per year, or about $ 57 per calendar month .
  3. wolverine Mutual : $ 1,285 per class, or about $ 107 per calendar month .
  4. Westfield : $ 1,540 per year, or about $ 128 per month .
  5. liberal : $ 1,578 per year, or about $ 132 per calendar month .

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easily compare personalized rates to see how much switch car indemnity could save you.

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Cheapest for 30-year-old drivers

By the clock they reach their 30s, most drivers will enjoy cheaper car indemnity rates than in their teens and 20s. still, factors like a person ’ second drive commemorate and car create and model can increase prices. Drivers in their 30s can get lower rates by shopping about and taking advantage of any car indemnity discounts.

Cheapest full coverage car insurance in Michigan for 30-year-olds

Drivers in Michigan with clean drive records may get the lowest rates from these companies :

  1. Secura : $ 1,046 per year, or about $ 87 per month .
  2. Geico : $ 1,166 per class, or about $ 97 per month .
  3. wolverine Mutual : $ 1,173 per year, or about $ 98 per calendar month .
  4. Chubb : $ 1,636 per year, or about $ 136 per calendar month .
  5. MetLife : $ 1,692 per class, or about $ 141 per calendar month .

Cheapest minimum coverage car insurance in Michigan for 30-year-olds

Drivers in Michigan who want their submit ‘s minimum coverage can check with the following companies, which had the lowest average rates :

  1. Travelers : $ 106 per year, or about $ 9 per calendar month .
  2. Secura : $ 184 per year, or about $ 15 per month .
  3. wolverine Mutual : $ 226 per year, or about $ 19 per month .
  4. Westfield : $ 395 per year, or about $ 33 per month .
  5. Chubb : $ 423 per class, or about $ 35 per calendar month .

Cheapest auto insurance in Michigan for 30-year-old drivers with one at-fault crash

For drivers in Michigan with a holocene accident, here are the lowest average rate options for full coverage :

  1. wolverine Mutual : $ 1,483 per year, or about $ 124 per calendar month .
  2. Secura : $ 1,596 per year, or about $ 133 per calendar month .
  3. Chubb : $ 1,636 per year, or about $ 136 per month .
  4. Meemic : $ 2,469 per year, or about $ 206 per calendar month .
  5. progressive : $ 2,511 per year, or about $ 209 per month .

Cheapest auto insurance in Michigan for 30-year-old drivers after a DUI

For the cheapest car policy after a DUI, we found the follow options for wide coverage .

  1. Chubb : $ 1,636 per class, or about $ 136 per calendar month .
  2. progressive : $ 2,066 per year, or about $ 172 per month .
  3. glutton Mutual : $ 2,954 per year, or about $ 246 per month .
  4. Farmers : $ 3,116 per year, or about $ 260 per calendar month .
  5. Travelers : $ 3,506 per class, or about $ 292 per calendar month .

Cheapest for 40-year-old drivers

Drivers in their 40s tend to have better policy rates than their younger counterparts on average, but still pay more than older age groups. Shopping around for brassy car indemnity quotes with multiple insurers is the best way to find lower rates. good drivers who don ’ metric ton get behind the wheel much might want to consider pay-per-mile insurance, which charges drivers by how many miles they drive.

Cheapest full coverage car insurance in Michigan for 40-year-olds

Drivers in Michigan with clean drive records may want to think about the postdate companies, which had the lowest average rates :

  1. Secura : $ 971 per year, or about $ 81 per month .
  2. glutton Mutual : $ 1,023 per year, or about $ 85 per calendar month .
  3. Geico : $ 1,173 per year, or about $ 98 per month .
  4. Hastings Mutual : $ 1,497 per year, or about $ 125 per calendar month .
  5. Chubb : $ 1,583 per year, or about $ 132 per calendar month .

Cheapest minimum coverage car insurance in Michigan for 40-year-olds

Drivers in Michigan who want barely the minimum coverage may want to check prices from these companies, which had the lowest average rates :

  1. Travelers : $ 106 per year, or about $ 9 per month .
  2. Secura : $ 172 per year, or about $ 14 per month .
  3. michigander Mutual : $ 222 per year, or about $ 18 per calendar month .
  4. Westfield : $ 391 per class, or about $ 33 per month .
  5. Chubb : $ 405 per year, or about $ 34 per calendar month .

Cheapest auto insurance in Michigan for 40-year-old drivers with one at-fault crash

For drivers with a recent accident support in Michigan, here are the companies with the lowest average rates for full coverage :

  1. michigander Mutual : $ 1,284 per year, or about $ 107 per calendar month .
  2. Secura : $ 1,466 per year, or about $ 122 per month .
  3. Chubb : $ 1,583 per class, or about $ 132 per calendar month .
  4. progressive : $ 2,429 per year, or about $ 202 per month .
  5. Meemic : $ 2,495 per year, or about $ 208 per calendar month .

Cheapest auto insurance in Michigan for 40-year-old drivers after a DUI

The cheapest full coverage car insurance we found for drivers with a DUI came from the following companies .

  1. Chubb : $ 1,583 per class, or about $ 132 per month .
  2. progressive : $ 1,993 per year, or about $ 166 per calendar month .
  3. michigander Mutual : $ 2,538 per year, or about $ 212 per calendar month .
  4. Farmers : $ 3,161 per class, or about $ 263 per month .
  5. Travelers : $ 3,506 per year, or about $ 292 per month .

Cheapest for 50-year-old drivers

Drivers in their 50s have cheaper cable car policy rates than most early age groups on average. Prices will continue to drop as they inch toward their 60s and gain more force experience. Rates can inactive vary depending on other factors such as a driver ’ sulfur sex and location, so it ’ mho smart to shop around to find the best rate. Our list of cheap car insurance companies is a good rate to start.

Cheapest full coverage car insurance in Michigan for 50-year-olds

Drivers in Michigan with scavenge drive records may want to get quotes from these insurers, which had the lowest average rates :

  1. wolverine Mutual : $ 819 per year, or about $ 68 per calendar month .
  2. Secura : $ 948 per year, or about $ 79 per month .
  3. Geico : $ 1,143 per class, or about $ 95 per calendar month .
  4. Hastings Mutual : $ 1,238 per year, or about $ 103 per calendar month .
  5. Chubb : $ 1,521 per year, or about $ 127 per calendar month .

Cheapest minimum coverage car insurance in Michigan for 50-year-olds

Drivers in Michigan who opt for the department of state minimum coverage may want to consider the surveil companies, with the lowest median rates :

  1. Travelers : $ 92 per year, or about $ 8 per calendar month .
  2. glutton Mutual : $ 162 per year, or about $ 14 per calendar month .
  3. Secura : $ 171 per year, or about $ 14 per month .
  4. Chubb : $ 384 per class, or about $ 32 per month .
  5. Westfield : $ 420 per class, or about $ 35 per calendar month .

Cheapest auto insurance in Michigan for 50-year-old drivers with one at-fault crash

For drivers living in Michigan with a holocene accident, hera are the insurers with the lowest average full coverage rates :

  1. michigander Mutual : $ 1,018 per year, or about $ 85 per calendar month .
  2. Secura : $ 1,432 per year, or about $ 119 per month .
  3. Chubb : $ 1,521 per year, or about $ 127 per month .
  4. progressive : $ 2,274 per year, or about $ 190 per month .
  5. Hastings Mutual : $ 2,324 per year, or about $ 194 per month .

Cheapest auto insurance in Michigan for 50-year-old drivers after a DUI

The cheapest car indemnity we found for drivers with a late DUI comes from the following companies, listed with rates for full coverage .

  1. Chubb : $ 1,521 per year, or about $ 127 per month .
  2. liberal : $ 1,845 per year, or about $ 154 per calendar month .
  3. wolverine Mutual : $ 1,890 per year, or about $ 158 per calendar month .
  4. Travelers : $ 2,941 per class, or about $ 245 per calendar month .
  5. Farmers : $ 3,177 per year, or about $ 265 per month .

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easily compare personalized rates to see how much interchange car indemnity could save you.

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Cheapest for 60-year-old drivers

Although 60-year-olds have cheaper cable car policy rates than many other historic period groups on average, prices will start increasing as they get older. To find bum car policy for seniors, drivers in their 60s should make sure to shop around to find the best rate. Drivers in this senesce group should besides take advantage of any available discounts for senior citizens.

Cheapest full coverage car insurance in Michigan for 60-year-olds

Drivers in Michigan with houseclean tug records may want to think about getting quotes from these companies, which had the lowest average rates :

  1. glutton Mutual : $ 819 per year, or about $ 68 per calendar month .
  2. Secura : $ 947 per year, or about $ 79 per calendar month .
  3. Hastings Mutual : $ 1,164 per year, or about $ 97 per month .
  4. Geico : $ 1,169 per year, or about $ 97 per month .
  5. MetLife : $ 1,170 per year, or about $ 98 per month .

Cheapest minimum coverage car insurance in Michigan for 60-year-olds

Drivers in Michigan who want fair the state minimum coverage may want to check with these insurers, which had the lowest average rates :

  1. Travelers : $ 94 per class, or about $ 8 per calendar month .
  2. michigander Mutual : $ 162 per year, or about $ 14 per month .
  3. Secura : $ 178 per year, or about $ 15 per month .
  4. MetLife : $ 220 per year, or about $ 18 per month .
  5. Chubb : $ 353 per year, or about $ 29 per calendar month .

Cheapest auto insurance in Michigan for 60-year-old drivers with one at-fault crash

For drivers with a recent accident living in Michigan, hera are the companies with the lowest median rates for wax coverage :

  1. wolverine Mutual : $ 1,018 per year, or about $ 85 per month .
  2. Chubb : $ 1,371 per year, or about $ 114 per calendar month .
  3. Secura : $ 1,440 per year, or about $ 120 per month .
  4. Frankenmuth : $ 2,134 per year, or about $ 178 per calendar month .
  5. Hastings Mutual : $ 2,161 per year, or about $ 180 per calendar month .

Cheapest auto insurance in Michigan for 60-year-old drivers after a DUI

The cheapest car insurance we found after a DUI came from the following companies, shown with their average rates for fully coverage .

  1. Chubb : $ 1,371 per year, or about $ 114 per month .
  2. progressive : $ 1,774 per class, or about $ 148 per calendar month .
  3. glutton Mutual : $ 1,890 per year, or about $ 158 per month .
  4. MetLife : $ 2,740 per year, or about $ 228 per month .
  5. Travelers : $ 2,946 per class, or about $ 246 per calendar month .

Cheapest car insurance for military families

If you ‘re an active penis of the military or a veteran — or have an immediate family member who is — chances are you ‘ll get a relatively bum rate with USAA, a party that is n’t available to the general populace. Because of that restriction, USAA is n’t ranked with the others, but it was among the cheapest three car insurance options for 14 of the 24 driver profiles we examined.

Minimum car insurance requirements in Michigan

Michigan residents must carry liability insurance, personal place protection ( known as PPI ) and personal injury protection ( known as PIP ). PPI pays to fix damage you cause to others ’ place, such as a wall or garage, while driving, or wrong you cause to others ’ parked cars. PIP primarily covers injuries that you and your passengers suffer in a crash, no matter who caused the incident. You must select at least the postdate amounts of liability indemnity, personal property protection and personal wound protection :

  • $ 50,000 bodily injury liability per person .
  • $ 100,000 bodily injury liability per incident .
  • $ 1 million PPI for incidents that occur within Michigan .
  • $ 10,000 property wrong liability per incident outside Michigan .
  • $ 250,000 * personal injury auspices .

* Lower PIP limits available for sealed Medicare and Medicaid recipients. liability car insurance covers the cost of any damage, injuries or deaths you cause in a cable car accident, up to your policy ’ randomness predefined limits. property protection indemnity, or PPI, will pay up to $ 1 million for repairs if you ’ re driving in Michigan and damage another resident ’ second property, including buildings, fences or park cars. personal injury security will cover your medical bills and expenses if you ’ re injured in a car crash, improving to your policy limits, no topic whose mistake it was. Depending on your state, PIP may besides pay for :

  • Lost wages if you ’ re unable to work due to injuries from an accident .
  • Services you can no longer perform, like house clean or child care, because of your injuries .
  • funeral costs if an accident-related injury leads to death .
  • A humble death benefit as a cash payout .

Experts recommend buying more than the bare minimal indebtedness insurance to avoid having to pay out of pocket for wrong that exceeds your policy ’ s limits. Check out NerdWallet ’ s guidebook to car insurance requirements by state to learn more about how the necessitate and optional coverages of your Michigan car policy oeuvre.

Alternative car insurance in Michigan

Drivers who are denied car indemnity on the outdoors market because of DUIs or other factors may apply for coverage through the Michigan Automobile Insurance Placement Facility. NerdWallet can besides help drivers find brassy cable car policy in Michigan. Try our car policy comparison creature to view rates from leading companies in the Wolverine State .

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