Cheapest Car Insurance in Michigan for 2022 – NerdWallet
Cheapest Car Insurance in Michigan for 2022 – NerdWallet

Cheapest Car Insurance in Michigan for 2022 – NerdWallet

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car insurance is an significant leverage, but finding cheap cable car insurance in Michigan isn ’ t always easy. That ’ second why it ’ sulfur important to compare rates from multiple insurers. The average cost of wax coverage car indemnity in Michigan is $ 2,125 per class, or about $ 177 per calendar month, according to NerdWallet ’ s psychoanalysis. minimum coverage in Michigan is $ 913 per year on average, but we found you can probable get a cheaper policy. For example, Travelers offers the cheapest rates in Michigan at $ 106 per year, on average, for minimum coverage car insurance for a 35-year-old driver with a clean drive phonograph record. If you ‘re looking for cheap options in the birthplace of Motown, check out our usher to the bum car indemnity in Detroit. Why you can trust NerdWallet : Our writers and editors follow stern column guidelines to ensure comeliness and accuracy in our writing and data analyses. You can trust the prices we show you because our data analysts take rigorous measures to eliminate outliers and inaccuracies in pricing data, which include rates from every venue in the nation where coverage is offered and data is available. When comparing rates for different coverage amounts, ages and backgrounds, we change alone one variable star at a meter, so you can easily see how each factor affects price.

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Cheapest car insurance company overall in Michigan
Secura $ 82/month not even rated .
Cheapest for minimal coverage
Travelers $ 9/month

5.0 NerdWallet ‘s ratings are determined by our editorial team. The scoring formulas take into account multiple datum points for each fiscal product and servicing . NerdWallet rat

Cheapest for young drivers
Secura $ 169/month not so far rated .

How we chose the cheapest companies in Michigan

NerdWallet ’ s editorial team analyzed car policy rates from 22 car insurers in Michigan and found the five cheapest options for drivers in respective age brackets and with different histories, all driving a 2019 Toyota Camry L. For minimum coverage, we looked at rates that reflect the minimum requirements in Michigan. For full moon coverage, we used the below coverage limits :

  • $ 100,000 bodily injury indebtedness per person .
  • $ 300,000 bodily injury liability per accident .
  • $ 50,000 place damage indebtedness per accident .
  • $ 100,000 uninsured motorist coverage per person .
  • $ 300,000 uninsured motorist coverage per accident .
  • Collision coverage with a $ 1,000 deductible .
  • comprehensive coverage with a $ 1,000 deductible .

Cheapest for 20-year-old drivers

Drivers in their 20s may have to get a fortune of quotes to find the best cheap car insurance. Prices can be sky-high for younger 20-somethings, but tend to come down as drivers get more feel on the road. distillery, some companies routinely have better policy rates for young drivers, so it ‘s best to shop around to find them.

Cheapest full coverage car insurance in Michigan for 20-year-olds

Drivers in Michigan with clean drive records may want to consider the follow companies, which had the lowest modal rates :

  1. Secura : $ 2,031 per year, or about $ 169 per calendar month .
  2. Geico : $ 2,055 per year, or about $ 171 per calendar month .
  3. Chubb : $ 2,569 per year, or about $ 214 per calendar month .
  4. glutton Mutual : $ 2,891 per year, or about $ 241 per calendar month .
  5. progressive : $ 3,289 per year, or about $ 274 per calendar month .

Cheapest minimum coverage car insurance in Michigan for 20-year-olds

Drivers in Michigan who want good the state minimal coverage may want to check with these companies, which had the lowest average rates :

  1. Secura : $ 456 per year, or about $ 38 per month .
  2. Travelers : $ 459 per year, or about $ 38 per calendar month .
  3. wolverine Mutual : $ 606 per year, or about $ 50 per month .
  4. Chubb : $ 680 per year, or about $ 57 per calendar month .
  5. Westfield : $ 708 per class, or about $ 59 per month .

Cheapest auto insurance in Michigan for 20-year-old drivers with one at-fault crash

For drivers with a late accident in Michigan, here are the companies with the lowest average rates for minimum coverage :

  1. Travelers : $ 529 per year, or about $ 44 per month .
  2. Chubb : $ 680 per year, or about $ 57 per month .
  3. Secura : $ 805 per year, or about $ 67 per calendar month .
  4. wolverine Mutual : $ 813 per class, or about $ 68 per month .
  5. Westfield : $ 903 per class, or about $ 75 per calendar month .

Cheapest auto insurance in Michigan for 20-year-old drivers after a DUI

The cheapest car indemnity we found after a DUI is shown hera, alongside the insurers ‘ average rates for minimal coverage .

  1. Travelers : $ 459 per year, or about $ 38 per calendar month .
  2. Chubb : $ 680 per year, or about $ 57 per calendar month .
  3. glutton Mutual : $ 1,285 per year, or about $ 107 per calendar month .
  4. Westfield : $ 1,540 per year, or about $ 128 per calendar month .
  5. progressive : $ 1,578 per year, or about $ 132 per calendar month .

See what you could save on car insurance

easily compare personalized rates to see how much switch cable car insurance could save you.

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GET MY RATES Get started on Insure.com

Cheapest for 30-year-old drivers

By the time they reach their 30s, most drivers will enjoy cheaper car indemnity rates than in their teens and 20s. silent, factors like a person ’ mho drive record and car name and model can increase prices. Drivers in their 30s can get lower rates by shopping about and taking advantage of any car indemnity discounts.

Cheapest full coverage car insurance in Michigan for 30-year-olds

Drivers in Michigan with clean force records may get the lowest rates from these companies :

  1. Secura : $ 1,046 per class, or about $ 87 per calendar month .
  2. Geico : $ 1,166 per year, or about $ 97 per calendar month .
  3. michigander Mutual : $ 1,173 per year, or about $ 98 per calendar month .
  4. Chubb : $ 1,636 per year, or about $ 136 per calendar month .
  5. MetLife : $ 1,692 per year, or about $ 141 per month .

Cheapest minimum coverage car insurance in Michigan for 30-year-olds

Drivers in Michigan who want their state ‘s minimum coverage can check with the following companies, which had the lowest average rates :

  1. Travelers : $ 106 per year, or about $ 9 per month .
  2. Secura : $ 184 per year, or about $ 15 per calendar month .
  3. michigander Mutual : $ 226 per year, or about $ 19 per month .
  4. Westfield : $ 395 per year, or about $ 33 per month .
  5. Chubb : $ 423 per year, or about $ 35 per calendar month .

Cheapest auto insurance in Michigan for 30-year-old drivers with one at-fault crash

For drivers in Michigan with a late accident, here are the lowest median rate options for fully coverage :

  1. glutton Mutual : $ 1,483 per year, or about $ 124 per calendar month .
  2. Secura : $ 1,596 per year, or about $ 133 per month .
  3. Chubb : $ 1,636 per year, or about $ 136 per calendar month .
  4. Meemic : $ 2,469 per year, or about $ 206 per month .
  5. progressive : $ 2,511 per class, or about $ 209 per calendar month .

Cheapest auto insurance in Michigan for 30-year-old drivers after a DUI

For the cheapest car policy after a DUI, we found the stick to options for broad coverage .

  1. Chubb : $ 1,636 per class, or about $ 136 per calendar month .
  2. progressive : $ 2,066 per year, or about $ 172 per calendar month .
  3. michigander Mutual : $ 2,954 per class, or about $ 246 per calendar month .
  4. Farmers : $ 3,116 per year, or about $ 260 per month .
  5. Travelers : $ 3,506 per year, or about $ 292 per calendar month .

Cheapest for 40-year-old drivers

Drivers in their 40s tend to have better indemnity rates than their younger counterparts on average, but silent pay more than older age groups. Shopping around for cheap car indemnity quotes with multiple insurers is the best way to find lower rates. good drivers who don ’ triiodothyronine get behind the wheel frequently might want to consider pay-per-mile insurance, which charges drivers by how many miles they drive.

Cheapest full coverage car insurance in Michigan for 40-year-olds

Drivers in Michigan with clean repel records may want to think about the keep up companies, which had the lowest average rates :

  1. Secura : $ 971 per year, or about $ 81 per calendar month .
  2. michigander Mutual : $ 1,023 per year, or about $ 85 per month .
  3. Geico : $ 1,173 per year, or about $ 98 per month .
  4. Hastings Mutual : $ 1,497 per year, or about $ 125 per month .
  5. Chubb : $ 1,583 per class, or about $ 132 per month.

Cheapest minimum coverage car insurance in Michigan for 40-year-olds

Drivers in Michigan who want just the minimum coverage may want to check prices from these companies, which had the lowest average rates :

  1. Travelers : $ 106 per year, or about $ 9 per calendar month .
  2. Secura : $ 172 per year, or about $ 14 per month .
  3. glutton Mutual : $ 222 per year, or about $ 18 per calendar month .
  4. Westfield : $ 391 per year, or about $ 33 per calendar month .
  5. Chubb : $ 405 per year, or about $ 34 per calendar month .

Cheapest auto insurance in Michigan for 40-year-old drivers with one at-fault crash

For drivers with a holocene accident living in Michigan, here are the companies with the lowest average rates for wide coverage :

  1. glutton Mutual : $ 1,284 per year, or about $ 107 per calendar month .
  2. Secura : $ 1,466 per year, or about $ 122 per month .
  3. Chubb : $ 1,583 per year, or about $ 132 per month .
  4. progressive : $ 2,429 per class, or about $ 202 per month .
  5. Meemic : $ 2,495 per year, or about $ 208 per month .

Cheapest auto insurance in Michigan for 40-year-old drivers after a DUI

The cheapest full moon coverage car policy we found for drivers with a DUI came from the following companies .

  1. Chubb : $ 1,583 per class, or about $ 132 per month .
  2. progressive : $ 1,993 per year, or about $ 166 per month .
  3. wolverine Mutual : $ 2,538 per year, or about $ 212 per month .
  4. Farmers : $ 3,161 per year, or about $ 263 per month .
  5. Travelers : $ 3,506 per year, or about $ 292 per calendar month .

Cheapest for 50-year-old drivers

Drivers in their 50s have cheaper car policy rates than most other long time groups on average. Prices will continue to drop as they inch toward their 60s and gain more drive experience. Rates can placid vary depending on early factors such as a driver ’ second sex and localization, so it ’ sulfur smart to shop around to find the best rate. Our list of cheap car insurance companies is a good target to start.

Cheapest full coverage car insurance in Michigan for 50-year-olds

Drivers in Michigan with scavenge drive records may want to get quotes from these insurers, which had the lowest average rates :

  1. glutton Mutual : $ 819 per class, or about $ 68 per calendar month .
  2. Secura : $ 948 per class, or about $ 79 per month .
  3. Geico : $ 1,143 per year, or about $ 95 per calendar month .
  4. Hastings Mutual : $ 1,238 per year, or about $ 103 per calendar month .
  5. Chubb : $ 1,521 per year, or about $ 127 per month .

Cheapest minimum coverage car insurance in Michigan for 50-year-olds

Drivers in Michigan who opt for the state minimum coverage may want to consider the follow companies, with the lowest average rates :

  1. Travelers : $ 92 per class, or about $ 8 per month .
  2. michigander Mutual : $ 162 per year, or about $ 14 per calendar month .
  3. Secura : $ 171 per class, or about $ 14 per month .
  4. Chubb : $ 384 per class, or about $ 32 per calendar month .
  5. Westfield : $ 420 per year, or about $ 35 per month .

Cheapest auto insurance in Michigan for 50-year-old drivers with one at-fault crash

For drivers living in Michigan with a recent accident, here are the insurers with the lowest average full coverage rates :

  1. michigander Mutual : $ 1,018 per year, or about $ 85 per calendar month .
  2. Secura : $ 1,432 per year, or about $ 119 per month .
  3. Chubb : $ 1,521 per class, or about $ 127 per month .
  4. progressive : $ 2,274 per class, or about $ 190 per calendar month .
  5. Hastings Mutual : $ 2,324 per year, or about $ 194 per calendar month .

Cheapest auto insurance in Michigan for 50-year-old drivers after a DUI

The cheapest car insurance we found for drivers with a recent DUI comes from the following companies, listed with rates for wide coverage .

  1. Chubb : $ 1,521 per class, or about $ 127 per calendar month .
  2. progressive : $ 1,845 per year, or about $ 154 per month .
  3. wolverine Mutual : $ 1,890 per year, or about $ 158 per calendar month .
  4. Travelers : $ 2,941 per year, or about $ 245 per month .
  5. Farmers : $ 3,177 per class, or about $ 265 per calendar month .

See what you could save on car insurance

easily compare personalized rates to see how a lot switch car policy could save you.

ZIP Code

GET MY RATES Get started on Insure.com

Cheapest for 60-year-old drivers

Although 60-year-olds have cheaper car indemnity rates than many other age groups on average, prices will start increasing as they get older. To find cheap car indemnity for seniors, drivers in their 60s should make certain to shop around to find the best rate. Drivers in this age group should besides take advantage of any available discounts for senior citizens.

Cheapest full coverage car insurance in Michigan for 60-year-olds

Drivers in Michigan with clean drive records may want to think about getting quotes from these companies, which had the lowest average rates :

  1. glutton Mutual : $ 819 per year, or about $ 68 per month .
  2. Secura : $ 947 per year, or about $ 79 per calendar month .
  3. Hastings Mutual : $ 1,164 per year, or about $ 97 per month .
  4. Geico : $ 1,169 per year, or about $ 97 per month .
  5. MetLife : $ 1,170 per year, or about $ 98 per calendar month .

Cheapest minimum coverage car insurance in Michigan for 60-year-olds

Drivers in Michigan who want just the state minimal coverage may want to check with these insurers, which had the lowest average rates :

  1. Travelers : $ 94 per year, or about $ 8 per month .
  2. wolverine Mutual : $ 162 per year, or about $ 14 per calendar month .
  3. Secura : $ 178 per year, or about $ 15 per month .
  4. MetLife : $ 220 per year, or about $ 18 per calendar month .
  5. Chubb : $ 353 per year, or about $ 29 per month .

Cheapest auto insurance in Michigan for 60-year-old drivers with one at-fault crash

For drivers with a late accident be in Michigan, here are the companies with the lowest average rates for full coverage :

  1. glutton Mutual : $ 1,018 per class, or about $ 85 per calendar month .
  2. Chubb : $ 1,371 per year, or about $ 114 per month .
  3. Secura : $ 1,440 per class, or about $ 120 per calendar month .
  4. Frankenmuth : $ 2,134 per year, or about $ 178 per calendar month .
  5. Hastings Mutual : $ 2,161 per year, or about $ 180 per month .

Cheapest auto insurance in Michigan for 60-year-old drivers after a DUI

The cheapest car indemnity we found after a DUI came from the following companies, shown with their average rates for full moon coverage .

  1. Chubb : $ 1,371 per class, or about $ 114 per month .
  2. progressive : $ 1,774 per class, or about $ 148 per month .
  3. michigander Mutual : $ 1,890 per year, or about $ 158 per calendar month .
  4. MetLife : $ 2,740 per year, or about $ 228 per month .
  5. Travelers : $ 2,946 per class, or about $ 246 per calendar month .

Cheapest car insurance for military families

If you ‘re an active member of the military or a veteran — or have an contiguous family extremity who is — chances are you ‘ll get a relatively brassy rate with USAA, a company that is n’t available to the cosmopolitan public. Because of that limitation, USAA is n’t ranked with the others, but it was among the cheapest three car indemnity options for 14 of the 24 driver profiles we examined.

Minimum car insurance requirements in Michigan

Michigan residents must carry liability indemnity, personal place protection ( known as PPI ) and personal injury protection ( known as PIP ). PPI pays to fix damage you cause to others ’ property, such as a fence or garage, while driving, or wrong you cause to others ’ parked cars. PIP chiefly covers injuries that you and your passengers suffer in a crash, no matter who caused the incident. You must select at least the follow amounts of liability policy, personal property protective covering and personal injury security :

  • $ 50,000 bodily injury liability per person .
  • $ 100,000 bodily injury liability per incident .
  • $ 1 million PPI for incidents that occur within Michigan .
  • $ 10,000 place wrong liability per incident outside Michigan .
  • $ 250,000* personal injury security .

*Lower PIP limits available for certain Medicare and Medicaid recipients. liability car indemnity covers the cost of any damage, injuries or deaths you cause in a car accident, up to your policy ’ s predefined limits. property auspices insurance, or PPI, will pay up to $ 1 million for repairs if you ’ re drive in Michigan and damage another resident ’ south place, including buildings, fences or park cars. personal injury security will cover your medical bills and expenses if you ’ re injured in a cable car crash, up to your policy limits, no matter whose defect it was. Depending on your submit, PIP may besides pay for :

  • Lost wages if you ’ re unable to work due to injuries from an accident .
  • Services you can no longer perform, like house clean or child worry, because of your injuries .
  • funeral costs if an accident-related injury leads to death .
  • A small death benefit as a cash payout .

Experts recommend buying more than the bare minimum liability insurance to avoid having to pay out of pocket for wrong that exceeds your policy ’ s limits. Check out NerdWallet ’ s scout to car indemnity requirements by state to learn more about how the compulsory and optional coverages of your Michigan car policy ferment.

Alternative car insurance in Michigan

Drivers who are denied car insurance on the open market because of DUIs or other factors may apply for coverage through the Michigan Automobile Insurance Placement Facility. NerdWallet can besides help drivers find bum car insurance in Michigan. Try our cable car indemnity comparison creature to view rates from leading companies in the Wolverine State .

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