Cheapest Car Insurance In Michigan For 2025
In Michigan, Westfield has the most budget-friendly minimum coverage option, costing around $36per 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 Travelers offers the cheapest rates for young drivers.
Cheapest Car Insurance Companies In Michigan
Cheapest Liability-only Car Insurance In Michigan: State Farm
If you’re looking for budget-friendly minimum coverage in Michigan, GEICO is the most affordable choice at $37 per month.
Refer to the table below to compare pricing from different insurance companies.
| Provider | Average Monthly Cost | Average Annual Cost |
| State Farm | $21 | $252 |
| Allstate | $25 | $300 |
| Travelers | $28 | $336 |
| American Family | $32 | $384 |
| GEICO | $35 | $420 |
Cheapest Full Coverage Insurance Rates In Michigan: American Family
If you’re looking for budget-friendly full coverage in Michigan, Progressive is the best option at just $92 a month.
Compare average auto insurance prices from affordable companies in Michigan using the table below.
| Provider | Average Monthly Cost | Average Annual Cost |
| American Family | $64 | $768 |
| GEICO | $71 | $852 |
| State Farm | $75 | $900 |
| Auto-Owners | $77 | $924 |
| Progressive | $79 | $948 |
Cheapest Car Insurance Rates For Seniors: Progressive
Seniors in Michigan can get the most budget-friendly car insurance from State Farm, with rates averaging $87 per month.
Seniors can find the lowest auto insurance quotes in the table below.
| Provider | Average Monthly Cost | Average Annual Cost |
| Progressive | $22 | $264 |
| Iowa Farm Bureau | $25 | $300 |
| State Farm | $23 | $276 |
| American Family | $27 | $324 |
| Travelers | $29 | $348 |
Cheapest Rates In Michigan For Teenagers: Auto-Owners
Teenage drivers in Michigan can save the most on car insurance with State Farm, where rates average $313 per month.
The table below highlights the companies with the lowest insurance quotes for teenagers.
| Provider | Average Monthly Cost | Average Annual Cost |
| Auto-Owners | $43 | $516 |
| GEICO | $46 | $552 |
| Allstate | $55 | $660 |
| Nationwide | $83 | $996 |
| Progressive | $98 | $1,176 |
Cheapest Auto Insurance For Young Adults in Michigan: State Farm
In Michigan, young adults can get the cheapest car insurance from State Farm, with monthly premiums averaging $238.
Check out the table below to compare the best car insurance rates for young adults in Michigan.
| Provider | Average Monthly Cost | Average Annual Cost |
| State Farm | $26 | $312 |
| Grange Insurance | $28 | $336 |
| Iowa Farm Bureau | $30 | $360 |
| American Family | $31 | $372 |
| GEICO | $35 | $420 |
Cheapest Car Insurance In Michigan For Good Drivers: State Farm
Good drivers in Michigan can get the lowest car insurance rates from GEICO, averaging $37 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 |
| State Farm | $21 | $252 |
| Grange Insurance | $24 | $288 |
| Iowa Farm Bureau | $27 | $324 |
| American Family | $29 | $348 |
| GEICO | $30 | $360 |
Find Affordable Michigan rates
Cheapest Car Insurance In Michigan After A Speeding Ticket: American Family
State Farm provides the most budget-friendly option for drivers with a speeding ticket in Michigan, with average rates of $176 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 |
| American Family | $30 | $360 |
| GEICO | $33 | $396 |
| Travelers | $34 | $408 |
| Iowa Farm Bureau | $31 | $372 |
| Western National | $35 | $420 |
Cheapest For Drivers With After At-Fault Accident: Progressive
With an average rate of $193 per month, State Farm 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 |
| Progressive | $32 | $384 |
| Travelers | $35 | $420 |
| West Bend | $36 | $432 |
| Auto-Owners | $37 | $444 |
| American Family | $33 | $396 |
Cheapest Rates In Michigan For Drivers After A DUI: State Farm
State Farm offers the cheapest car insurance for Michigan drivers with a DUI, averaging $188 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 |
| State Farm | $25 | $300 |
| American Family | $30 | $360 |
| West Bend | $40 | $480 |
| Grange | $41 | $492 |
| Travelers | $43 | $516 |
Best Car Insurance Companies In Michigan
Michigan drivers can save the most with AAA, which has rates of $83 per month, but Progressive ($90) and GEICO ($93) are also worth considering.
Here are the 10 best car insurance companies in Michigan, ranked according to their average monthly rates.
| Company | Monthly Premium |
| AAA California | $83 |
| Progressive | $90 |
| GEICO | $93 |
| National General | $101 |
| Mercury | $101 |
| CSAA | $103 |
| Allstate | $108 |
| State Farm | $109 |
| Capital Insurance Group | $118 |
| Nationwide | $120 |
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 $7,599 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 | $7,599 |
| 20s | $3,031 |
| 30s | $1,989 |
| 40s | $1,927 |
| 50s | $1,838 |
| 60s | $1,830 |
| 70s | $2,126 |
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 Los Angeles costs around $243 per month, whereas in San Diego, residents pay an average of $176 a month.
| City | Average Monthly Rate |
| Los Angeles | $243 |
| San Diego | $176 |
| San Jose | $151 |
| San Francisco | $225 |
| Fresno | $158 |
| Sacramento | $157 |
| Long Beach | $220 |
| Oakland | $233 |
| Bakersfield | $132 |
| Anaheim | $232 |
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 |
| Toyota Camry | $127 |
| Honda Civic | $138 |
| Ford F-150 | $165 |
| Chevrolet Equinox | $179 |
| Nissan Rogue | $181 |
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 GEICO for minimum coverage, and Progressive 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 $180 per month, but rates can vary depending on your zip code, the car you drive, and your driving record.
