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 .
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.
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.
| 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 .
