Cheapest Car Insurance In Michigan For 2025
In Michigan, Westfield has the most budget-friendly minimum coverage option, costing around $36 per month.
We’ve saved shoppers an average of $600 per year on their car insurance.
Prices for car insurance in Michigan, aren’t the same across the board, so shopping around is key.
For liability-only coverage at the lowest cost, Westfield is the best pick. GEICO has the best deals on full coverage, and Westfield offers the cheapest rates for young drivers.
Cheapest Car Insurance Companies In Michigan
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Cheapest Liability-only Car Insurance In Michigan: Westfield
If you’re looking for budget-friendly minimum coverage in Michigan, Westfield is the most affordable choice at $36 per month.
Refer to the table below to compare pricing from different insurance companies.
| Provider | Average Monthly Cost | Average Annual Cost |
| Westfield | $36 | $432 |
| Encompass | $49 | $588 |
| Travelers | $38 | $456 |
| Chubb | $53 | $636 |
| GEICO | $54 | $648 |
Cheapest Full Coverage Insurance Rates In Michigan: GEICO
If you’re looking for budget-friendly full coverage in Michigan, GEICO is the best option at just $88 a month.
Compare average auto insurance prices from affordable companies in Michigan using the table below.
| Provider | Average Monthly Cost | Average Annual Cost |
| GEICO | $88 | $1,056 |
| Westfield | $140 | $1,680 |
| Travelers | $106 | $1,272 |
| Auto-Owners | $119 | $1,428 |
| Chubb | $126 | $1,512 |
Cheapest Car Insurance Rates For Seniors: Westfield
Seniors in Michigan can get the most budget-friendly car insurance from Westfield, with rates averaging $42 per month.
Seniors can find the lowest auto insurance quotes in the table below.
| Provider | Average Monthly Cost | Average Annual Cost |
| Westfield | $42 | $504 |
| Chubb | $45 | $540 |
| Auto-Owners | $68 | $816 |
| Progressive | $61 | $732 |
| GEICO | $54 | $648 |
Cheapest Rates In Michigan For Teenagers: Auto-Owners
Teenage drivers in Michigan can save the most on car insurance with Auto-Owners, where rates average $126 per month.
The table below highlights the companies with the lowest insurance quotes for teenagers.
| Provider | Average Monthly Cost | Average Annual Cost |
| Auto-Owners | $126 | $1,512 |
| Progressive | $322 | $3,864 |
| Farm Bureau | $180 | $2,160 |
| State Farm | $545 | $6,540 |
| Allstate | $276 | $3,312 |
Cheapest Auto Insurance For Young Adults in Michigan: Travelers
In Michigan, young adults can get the cheapest car insurance from Travelers, with monthly premiums averaging $43.
Check out the table below to compare the best car insurance rates for young adults in Michigan.
| Provider | Average Monthly Cost | Average Annual Cost |
| Travelers | $43 | $516 |
| Westfield | $46 | $552 |
| Encompass | $49 | $588 |
| Chubb | $60 | $720 |
| GEICO | $55 | $660 |
Cheapest Car Insurance In Michigan For Good Drivers: Westfield
Good drivers in Michigan can get the lowest car insurance rates from Westfield, averaging $36 a month.
Good drivers can refer to the table below to see average quotes from budget-friendly insurance companies.
| Provider | Average Monthly Cost | Average Annual Cost |
| Westfield | $36 | $432 |
| Encompass | $49 | $588 |
| Travelers | $38 | $456 |
| Chubb | $53 | $636 |
| GEICO | $54 | $648 |
Find Affordable Michigan rates
Cheapest Car Insurance In Michigan After A Speeding Ticket: Chubb
Chubb provides the most budget-friendly option for drivers with a speeding ticket in Michigan, with average rates of $52 monthly.
Check the table below to see the average rates for drivers who have received a speeding ticket.
| Provider | Average Monthly Cost | Average Annual Cost |
| Chubb | $52 | $624 |
| Auto-Owners | $72 | $864 |
| Travelers | $69 | $828 |
| Farm Bureau | $101 | $1,212 |
| Progressive | $70 | $840 |
Cheapest For Drivers With After At-Fault Accident: Chubb
With an average rate of $53 per month, Chubb is the most budget-friendly option for drivers with an at-fault incident.
Check out the companies below for the best car insurance rates for drivers with an at-fault accident on record.
| Provider | Average Monthly Cost | Average Annual Cost |
| Chubb | $53 | $636 |
| Auto-Owners | $65 | $780 |
| Progressive | $76 | $912 |
| Westfield | $57 | $684 |
| Travelers | $104 | $1,248 |
Cheapest Rates In Michigan For Drivers After A DUI: Chubb
Chubb offers the cheapest car insurance for Michigan drivers with a DUI, averaging $54 a month.
Check the table below for the best rates available to drivers in Michigan with a DUI.
| Provider | Average Monthly Cost | Average Annual Cost |
| Chubb | $54 | $648 |
| Auto-Owners | $137 | $1,644 |
| Progressive | $67 | $804 |
| Farmers | $140 | $1,680 |
| Westfield | $112 | $1,344 |
Best Car Insurance Companies In Michigan
Michigan drivers can save the most with Westfield, which has rates of $36 per month, but Travelers ($38) and Encompass ($49) are also worth considering.
Here are the 10 best car insurance companies in Michigan, ranked according to their average monthly rates.
| Company | Monthly Premium |
| Westfield | $36 |
| Encompass | $49 |
| Travelers | $38 |
| Chubb | $53 |
| GEICO | $54 |
| Progressive | $62 |
| Auto-Owners | $57 |
| Farm Bureau | $73 |
| AAA | $89 |
| State Farm | $204 |
Average Auto Insurance Rates In Michigan – By Age
Insurance premiums are often higher for younger drivers, as age is a key factor in rate calculations. Teen drivers, in particular, face an average annual cost of about $3,258 due to their limited driving experience and higher risk of accidents.
Insurance rates tend to drop for drivers once they turn 25, as long as they haven’t had any accidents or violations.
Insurance rates are usually lowest for drivers in their 50s and early 60s because companies consider age when determining driving experience and risk, both of which affect the cost.
| Age | Average Yearly Rate |
| Teenagers | $3,258 |
| 20s | $2,198 |
| 30s | $1,769 |
| 40s | $1,782 |
| 50s | $1,567 |
| 60s | $1,378 |
| 70s | $17,73 |
How Much Is Car Insurance In Other Cities in Michigan?
Car insurance rates are often influenced by where you live. Insurance providers evaluate factors like the likelihood of accidents, theft, and vandalism, which tend to be more frequent in cities, resulting in higher premiums.
To illustrate, car insurance in Detroit costs around $156 per month, whereas in Lansing, residents pay an average of $96 a month.
| City | Average Monthly Rate |
| Grand Rapids | $99 |
| Detroit | $156 |
| Battle Creek | $99 |
| Lansing | $96 |
| Southfield | $138 |
| Saginaw | $102 |
| Troy | $124 |
| Flint | $114 |
| Kalamazoo | $99 |
| Warren | $125 |
Average Rates In Michigan – By Vehicle
Car insurance rates are heavily influenced by the type of vehicle you own. Insurance companies assess the make, model, year, and body type of your car. Typically, newer vehicles, especially high-end ones with expensive features and replacement costs, have higher insurance premiums.
Check the table below to see average car insurance rates in Michigan for various vehicles.
| Vehicle | Average Monthly Rate |
| Cadillac CTS | $258 |
| Chevrolet Trailblazer | $236 |
| Ford Escape | $358 |
| Chevrolet Equinox | $233 |
| Chrysler 200 | $382 |
Find Affordable Michigan Rates
Our Methodology
I've compiled a thorough assessment of car insurance companies in Michigan, considering customer service, product availability, pricing, and insights from online reviews.
Quotes Analyzed
Hours Of Research
Years Of Industry Experience
Brands Reviewed
FAQs
Who has the lowest car insurance rates in Michigan?
The lowest car insurance rates in Michigan are from Westfield for minimum coverage, and GEICO offers the best prices for full coverage, which includes both comprehensive and collision coverage.
What is the average cost of car insurance in Michigan?
The average cost for car insurance in Michigan is $120 per month, but rates can vary depending on your zip code, the car you drive, and your driving record.
