Compare Cheap Car Insurance in Michigan

Nationwide has the highest customer satisfaction scores in Michigan for nonmilitary drivers. The company’s average Michigan rates are unavailable, so get a quote to see how much you’ll pay. GEICO offers a good balance of cost and customer satisfaction. Military-affiliated drivers can rest assured that USAA received top marks in customer satisfaction.

1. Bundle policies: You can usually save money on your car insurance if you bundle your auto insurance with other insurance products. For example, if you get home and auto insurance from the same insurer, most companies provide a discount on your premium.
2. Look for discounts: Whenever you get a quote, make sure you check for discounts and ask about any you may be eligible for. Insurers offer a wide variety of discounts, including discounts for teens who get good grades, safe driving, and bundling your insurance policies.
3. Compare rates: It’s always a good idea to shop around. Don’t just go with the first quote you get. Instead, get quotes from at least three different insurance providers so you can compare.
4. Lower your liability limits: Lowering your liability limits is one way of reducing your insurance coverage, which also lowers your premium. But be careful about doing this: lowering your liability limits means you could have to pay more out of pocket if you get into an accident. You also need to make sure you maintain at least minimum coverage.

Unsurprisingly, Detroit has the highest auto insurance rates in Michigan, with an annual average of $4,761 — 57 percent above the state average of $3,013. Meanwhile, Grand Rapids has significantly lower rates, on average, at $2,923 per year.

Michigan has high minimum coverage requirements compared to most other states. Given that it is a no-fault state, it requires personal injury protection (PIP), and the minimum required limits are quite high:

• Bodily injury liability: $50,000 per person/$100,000 per accident
• Property damage liability: $1 million per accident within Michigan/$10,000 per accident outside Michigan
• Personal injury protection: $250,000*

*Lower limits may be possible for certain Medicaid and Medicare recipients.

Minimum coverage in Michigan is quite robust, but it’s still a good idea to get higher limits for added financial protection if you can afford it. In addition, minimum coverage doesn’t cover damage to your own vehicle, so it’s usually worth adding comprehensive and collision coverage as well.

Michigan Law: Personal Injury Protection and Qualified Health Coverage

In Michigan, finding cheap car insurance often depends on whether you have Qualified Health Coverage (QHC). Drivers with QHC — meaning their health insurance covers auto accident injuries without exclusions or limitations — can opt out of Personal Injury Protection (PIP) medical coverage, which significantly lowers their premiums. Because PIP is one of the most expensive parts of Michigan auto insurance, confirming QHC status through your health insurer can lead to major savings while maintaining strong medical protection after a crash.

We analyze average auto insurance premiums in Michigan for full and minimum coverage for good drivers with good credit as well as other driver profiles. That includes drivers with DUIs, accidents, and teenagers. Full coverage averages use the following limits:

• Bodily injury liability: $100,000 per person/$300,000 per accident
• Property damage liability: $1 million per accident within Michigan/$10,000 per accident outside Michigan
• Personal injury protection: $250,000*
• Uninsured and underinsured motorist bodily injury: $50,000 per person/$100,000 per accident
• Comprehensive and collision: $500 deductible

*Lower limits may be possible for certain Medicaid and Medicare recipients.