Cheapest Car Insurance in Michigan 2022 – WalletHub | Cheapest Auto Insurance Michigan, Cheap Car Insurance Michigan, Cheap Car Insurance in MI

Cheapest Car Insurance in Michigan for Good Drivers


Travelers : $ 22 per calendar month

Secura : $ 28 per month

Wolferine Mutual : $ 48 per calendar month


Chubb : $ 49 per month

nationally : $ 54 per month

Travelers has the cheapest car insurance for most good drivers in Michigan. Drivers who have never had an accident or received a citation are considered good drivers by insurers and pay less for insurance than drivers with bad records. In addition to low rates, good drivers can often qualify for additional
 

Cheapest Car Insurance in Michigan for Full Coverage 


Secura : $ 103 per month

progressive : $ 150 per month

Metropolitan : $ 150 per calendar month

Geico : $ 152 per month

Chubb : $ 154 per month

Full coverage refers to a policy that goes beyond the
 

Cheapest Car Insurance in Michigan After a Ticket 


Travelers : $ 34 per calendar month

Chubb : $ 49 per calendar month

Secura : $ 51 per calendar month

nationally : $ 56 per calendar month

Wolferine Mutual : $ 57 per calendar month

After a
 

Cheapest Car Insurance in Michigan For Drivers with One At-Fault Accident 


Secura : $ 40 per month

Travelers : $ 43 per month

Chubb : $ 49 per calendar month

Wolferine Mutual : $ 60 per month

nationally : $ 64 per month

One at-fault accident will usually affect your insurance negatively for 3-5 years as insurers will consider you
 

Cheapest Car Insurance in Michigan for Young Drivers 


Secura : $ 55 per calendar month

Travelers : $ 60 per calendar month

Chubb : $ 78 per month


nationally : $ 91 per month

Westfield : $ 104 per calendar month

Cheapest Car Insurance in Michigan for Older Drivers 


Travelers : $ 20 per month

Secura : $ 28 per month

Wolferine Mutual : $ 41 per month

Chubb : $ 44 per month

Metropolitan : $ 52 per calendar month

Best Cities for Cheap Car Insurance in Michigan

City Premium Percent Increase
Kalamazoo $1,679 0.0%
Grand Rapids $1,724 2.7%
Traverse City $1,751 4.3%
Lansing $1,786 6.3%
Ann Arbor $1,798 7.1%
Holland $1,817 8.2%
Jackson $1,819 8.3%
Muskegon $1,927 14.7%
Midland $1,935 15.2%
Bay City $1,939 15.5%
Battle Creek $1,950 16.1%
Ypsilanti $2,178 29.7%
Canton $2,260 34.5%
Rochester $2,338 39.2%
Waterford $2,353 40.1%
Saginaw $2,397 42.7%
Farmington $2,446 45.6%
Livonia $2,447 45.7%
Troy $2,566 52.8%
West Bloomfield $2,707 61.2%
Macomb $2,802 66.8%
Utica $2,887 71.9%
Clinton Township $2,925 74.1%
Flint $2,972 77.0%
Westland $3,035 80.7%
Sterling Heights $3,244 93.1%
Southfield $3,271 94.8%
Warren $4,114 145.0%
Dearborn $4,941 194.2%
Detroit $5,704 239.6%

Travelers has the cheapest car insurance for most good drivers in Michigan. Drivers who have never had an accident or received a citation are considered good drivers by insurers and pay less for indemnity than drivers with bad records. In addition to low rates, commodity drivers can much qualify for extra discounts from their insurance company.Full coverage refers to a policy that goes beyond the minimum state requirements. Because full coverage protects you in more situations, it costs more than the minimum requirements.After a speed ticket, most drivers will see their policy rates go up for 3-5 years. It ’ mho important to keep in mind that each insurance ship’s company calculates rates differently, so you should always get multiple quotes in order to make sure that you get the best deal.One at-fault accident will normally affect your policy negatively for 3-5 years as insurers will consider you bad. Because of your higher rates, it is even more authoritative to comparison shop.Since young drivers have less experience behind the wheel, insurers tend to charge them higher rates than more senesce drivers. On median, most drivers will see their rates drop as they get older with a considerable decrease once they turn 25 years old.Although mature drivers pay less for car insurance than teens, older drivers start to see their rates go up as they enter their aged years. Comparing car insurance rates can save older drivers hundreds of dollars a year.The table above reflects the average annual cost of car policy in Michigan ’ mho largest cities and towns .

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Factors That Affect Car Insurance Premiums in Michigan

Recap: Cheapest Auto Insurance Companies in Michigan

The cheapest car insurance company in Michigan is

For your convenience, we’ve summarized the cheapest companies overall below.
 
The cheapest car insurance company in Michigan is Travelers, which charges an average of $ 41 per calendar month for state-minimum coverage. In addition to being the cheapest car insurance company for Michiganians overall, it is the cheapest option for a number of specific categories, such as good drivers and drivers with speeding tickets.For your convenience, we ’ ve summarized the cheapest companies overall below .

Cheapest Car Insurance in Michigan

  • Travelers: $41 per month
  • Secura: $45 per month
  • Chubb: $60 per month
  • USAA: $67 per month
  • Nationwide: $70 per month
  • Wolverine Mutual: $74 per month
  • Westfield: $84 per month  

7 Tips for How to Get Cheap Car Insurance in Michigan

 

1. Compare quotes from both national and regional insurers

Don’t forget to include local insurance companies in your search for cheap car insurance. In Michigan, regional insurers like Westfield, Indiana Farm Bureau and Erie Insurance might have lower rates than national companies like State Farm and Geico and have comparable customer satisfaction ratings.
 

2. Know the factors affecting insurance in Michigan

Everyone knows that your driving habits and
 

3. Choose the coverage that is right for you

You need
 

4. Search for discounts

Top car insurance companies in Michigan have a variety of discounts, so almost anyone can find ways to save. You may be able to get a
 

5. Stay in less expensive zip codes

Car insurance prices can vary a lot based on zip code in Michigan. On average, drivers in the
 

6. Lower your PIP coverage

Until 2020, Michigan was the only state that required unlimited personal injury protection (PIP). This meant that if someone got into a life-changing car accident that required expensive lifetime medical care, it was covered—even if that care cost millions of dollars. Effective July 1, 2020, drivers will be able to choose a level of medical coverage, so your premium and potential savings will depend on the PIP option you select.
 

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7. Maintain coverage

You’ll see higher rates if you let your insurance lapse, even Don ’ triiodothyronine forget to include local indemnity companies in your search for bum car indemnity. In Michigan, regional insurers like Westfield, Indiana Farm Bureau and Erie Insurance might have lower rates than home companies like State Farm and Geico and have comparable customer satisfaction ratings.Everyone knows that your driving habits and claims history affect how much you pay for cable car indemnity. But in Michigan, companies can besides consider your historic period, gender, credit history, marital status, and more when setting premiums. The car you drive, your annual mileage, and evening some factors beyond your control all impact the price of insurance.You need indebtedness indemnity to pay for the other driver ’ mho damages if you ’ re at fault in an accident in Michigan. Collision and comprehensive examination coverage, on the other hand, are optional and may be unnecessary if you own an older car. Usage-based indemnity might be a better paroxysm than a standard policy for low-mileage drivers, and going with a higher deductible or lower coverage limits costs less, besides. Don ’ thyroxine stint on the coverage you need, but do make inform choices. That way, you won ’ t end up paying for more car indemnity than you need.Top cable car indemnity companies in Michigan have a variety show of discounts, so about anyone can find ways to save. You may be able to get a discount if you ’ re a student, veteran, good driver, homeowner, volition to go paperless, and more.Car policy prices can vary a lot based on nothing code in Michigan. On average, drivers in the most expensive parts of Michigan spend over $ 3,800 more per class on car indemnity than those living in the least expensive areas.Until 2020, Michigan was the only country that required outright personal wound protection ( PIP ). This think of that if person got into a life-changing car accident that required expensive life aesculapian care, it was covered—even if that concern price millions of dollars. Effective July 1, 2020, drivers will be able to choose a tied of medical coverage, so your bounty and potential savings will depend on the PIP option you select.You ’ ll see higher rates if you let your indemnity lapse, flush if you don ’ deoxythymidine monophosphate own a car. Michigan drivers who don ’ metric ton maintain continuous coverage pay an average of 48 % more than those with five or more years of indemnity history .

Video: Cheap Auto Insurance in MI

 

Methodology for Selecting the Cheapest Auto Insurance in MI

 

In the table below, you can see all of the profile characteristics that were used in WalletHub’s analysis, in addition to the specific subset of characteristics that make up our Good Driver profile.

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Category All Profile Characteristics Good Driver Profile
Gender Male, Female Male
Age 16, 17, 18, 19, 20, 21, 22, 23, 24, 25, 35, 45, 55, 65 45
Marital Status Single, Married Single
Teenage Driver Included on Policy No, Yes No
Driving Record Clean, One Speeding Ticket, One At-Fault Accident, One DUI, Suspended License, Open Container, Red Light Infraction, Reckless Driving, One Not At-Fault Accident Clean
Miles Driven Per Year 7,500 Miles, 15,000 Miles, 20,000 Miles 15,000 Miles
Coverage Level Minimum, Standard, Full Minimum
Discounts None, Multi-Policy, Homeowner, Student None
Credit Level Poor, Good Good
Filings None, SR22, FR44 None
Car Sedan, Minivan, SUV, Coupe, Truck Sedan

WalletHub ’ s psychoanalysis of bum car insurance companies in Michigan is based on data from the Michigan DMV and Quadrant Information Services. together with that data, WalletHub used the characteristics listed below to create 40 different driver profiles designed to identify the cheapest car policy companies for Michigan drivers in a collection of key categories. For each profile, WalletHub compared quotes among top Michigan car policy companies by averaging premiums from 34 nothing codes that represent at least 20 % of Michigan ‘s population. Military-specific companies like USAA were lone considered for the military-specific category, due to their eligibility restrictions. In some cases, they may still be the best option overall for eligible drivers.In the table below, you can see all of the profile characteristics that were used in WalletHub ’ second analysis, in addition to the specific subset of characteristics that make up our estimable Driver profile .

  • Minimum Coverage: Coverage requirements of $20,000 in bodily injury liability per person, $40,000 in bodily injury liability per accident, and $10,000 in property damage liability per accident outside Michigan, as well as unlimited personal injury protection and $1 million in property protection within Michigan. Minimum coverage requirements are from before changes were made to Michigan’s auto insurance requirements in 2020.
  • Standard Coverage: Coverage levels of 50k/100k/25k of liability coverage, 50k/100k/25k of uninsured motorist coverage, unlimited personal injury protection and $1 million in property protection within Michigan.
  • Full Coverage: Coverage levels of 100k/300k/50k of liability coverage, 100k/300k/50k of uninsured motorist coverage, collision and comprehensive coverage with a $500 deductible, unlimited personal injury protection and $1 million property protection within Michigan.
  • Sedan: 2018 Toyota Camry.
  • Minivan: 2018 Dodge Grand Caravan.
  • SUV: 2018 Toyota RAV4.
  • Coupe: 2018 Ford Mustang.
  • Truck: 2018 Ford F-150.

Where driver profiles are not specified, WalletHub averaged Michigan insurance quotes across 40 different driver profiles, using the above variables. Quote information is from Quadrant Information Services and is representative only. Individual rates will be different.
Below are extra details regarding the terminology and specific characteristics of the variables in the above table : Where driver profiles are not specified, WalletHub averaged Michigan indemnity quotes across 40 different driver profiles, using the above variables. Quote information is from Quadrant Information Services and is representative entirely. individual rates will be different .

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