Simply input your ZIP code, and allow us to guide you towards the most beneficial car insurance in your vicinity. We are like detectives of insurance policies, committed to sniffing out the most affordable coverage for you. We diligently compare all available insurers, recommend the optimal deductibles, and tirelessly search for every possible discount. We're here to ensure you get the best deal on your auto insurance!
Simply input your ZIP code, and allow us to guide you towards the most beneficial car insurance in your vicinity. We are like detectives of insurance policies, committed to sniffing out the most affordable coverage for you. We diligently compare all available insurers, recommend the optimal deductibles, and tirelessly search for every possible discount. We're here to ensure you get the best deal on your auto insurance!
Car Insurance in Michigan
What's the average cost of car insurance in Michigan and which company has the cheapest car insurance?
How much does car insurance cost in Michigan?
Let's explore the cost of auto insurance in Michigan and how it affects your wallet.
Car insurance in Michigan is not the most expensive, but rates are still above average compared to other U.S states. Although average rates are around $2,181 in larger cities, the price of car insurance can exceed $4,144 annually, especially for teenage drivers and for those with a bad driving record. Bodily injury (BI) liability coverage, for which the minimum insurance limits are set at $50000, is an insurance cover that helps you pay for medical expenses related to the other driver’s injuries. Property damage (PD) liability coverage pays toward property damage that you cause to others involved in a traffic accident. In Michigan, you are required to comply with the minimum PD liability insurance limits of $100000. Keep reading and find out who has the cheapest car insurance quotes in Michigan in 2023.
| minimum full coverage premium | average full coverage premium | |
|---|---|---|
| Michigan | $945 | $2,181 Your Rates? Get Quotes |
| Teen Drivers | $945 | $3,926 Your Rates? Get Quotes |
When deliberating on the best cheap car insurance in Michigan, there's no definitive answer. Generally speaking, policyholders in Michigan pay approximately $2,181 yearly for a full coverage premiums; however this number can differ considerably depending on your individual factors such as age and driving record. For example if you are a young driver under 25 years old then be prepared to face premiums of up to $3,490 annually!
On the other hand if you're an experienced motorist with good credit score and clean driving history then full-coverage policies may cost as little as only $1,091 per year. When it comes to finding the most affordable auto insurance in Michigan, GEICO offers some of the best rates around with an average cost of just $1,570 per year. Mercury is only slightly more expensive at $1,658 while Progressive rings in at close to $1,788 annually. State Farm and Allstate have annual rates approaching roughly $1,919 each year depending on where you live.
Minimum car insurance coverage in Michigan starts at $945Auto insurance requirements in Michigan
What does Michigan law mandate when it comes to vehicle coverage?
Before you start looking for the cheapest car insurance in a particular city, keep in mind that Michigan drivers are required to carry a minimum liability insurance coverage for bodily injury (per accident) of $100,000, which is one of the highest limits in the U.S. In Michigan, the minimum for bodily injury liability coverage is $50,000 per person. Although this is a relatively high limit compared to other states, it’s recommended that you carry as much coverage as you can afford to cover expenses in the case of a traffic accident. If you caused an accident in Michigan (if you're at fault), your property damage liability insurance coverage can cover up to a total of $10,000 for the other party's vehicle repairs.
| Minimum Coverage Type | Coverage Limits in MI |
|---|---|
| Bodily injury liability per person in Michigan | $50,000 Get Quotes |
| Bodily injury liability per accident in Michigan | $100,000 Get Quotes |
| Property damage liability per accident in Michigan | $10,000 Get Quotes |
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We will find you the most affordable car insurance that will meet your needs!
The typical annual cost of car insurance in California is approximately $2,181. Nonetheless, prices can vary depending on your location; in particular for smaller cities and towns the average rates might be as low as $1,091 a year! Moreover, you may want to know that basic liability coverage which meets with all minimum requirements set by state law starts at only $945 a year - this would mean less than sixty dollars each month. Are you curious about how much money could you save? All it takes is entering either the city or zip code in our website search tool...
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