Let’s find out more about Michigan car insurance quotes.
Like most states, Michigan requires you to have car insurance to legally drive on its over 250,000 miles of open road. We understand that searching for car insurance can be tedious and that it is sometimes a pain to get multiple Michigan car insurance quotes from different providers, which is why we strive to make it as easy as possible by having it all in one place.
Our review team looks at the cost of car insurance in Michigan, the state minimum car insurance requirements, and more to answer your questions about insurance in the Great Lakes State. Whether you live in Detroit, Grand Rapids, or Ann Arbor, our helpful panels are easy to fill out to get started on your free quotes from Michigan auto insurance providers.
Whenever you’re shopping for affordable car insurance, we recommend getting quotes from multiple providers and comparing them to be sure you’re getting coverage for the best possible price, as many factors can impact your car insurance quote. To help you make a more educated decision, our review team evaluated 30 of the best auto insurance providers based on financial strength, availability, customer service, cost and discounts, coverage, and technology. Read our review of the best car insurance companies to learn more about our top picks.
Enter your zip code in the form below to compare best Michigan car insurance quotes. For an even easier process, you can call our team at (855) 518-0148 to get free, personalized quotes seven days a week.
In this article:
- Michigan Car Insurance Minimum Requirements
- Factors That Affect Car Insurance Quotes In Michigan
- What Is The Average Cost Of Auto Insurance In Michigan?
- Available Discounts For Michigan Auto Insurance
- What If I Can’t Afford The Minimum Insurance In MI?
- Recommendations For Car Insurance Quotes In Michigan
Michigan Car Insurance Minimum Requirements
Every state has different minimum requirements when it comes to car insurance policies that all drivers must follow to legally drive in that state. When you’re shopping around for car insurance quotes in Michigan, you will probably see liability coverage limits of 20/40/10 or higher. 20/40/10 is Michigan’s minimum requirement for liability insurance, and it breaks down to:
- $20,000 in bodily injury liability per person
- $40,000 in bodily injury liability per accident
- $10,000 in property damage liability
Unlimited personal injury protection coverage (PIP coverage) with a $0, $300, or $500 deductible is also required, plus $20,000/$40,000 protection from uninsured/underinsured motorists (UM/UIM). However, UM/UIM coverage can be rejected in writing.
Other standard types of auto insurance include comprehensive car insurance coverage, collision coverage, and medical payments (MedPay). Although not required by state law, these coverages can come in handy if you get into a car accident or need to file another type of claim with your car insurance company.
It’s also important to note that Michigan is a no-fault state, which means you are required to carry insurance that will cover your own injuries. You will handle injury claims with your own insurance company regardless of who caused the collision.
Factors That Affect Car Insurance Quotes In Michigan
The cost of car insurance in Michigan depends on a variety of factors regulated by the Michigan Department of Insurance and Financial Services. It is then up to each individual insurance company to award discounts and adjust auto insurance rates depending on factors like:
- Your driving record
- Your age, gender, and marital status
- Your location
- Prior insurance coverage
- How many miles you drive
- How many years you’ve been driving
- Vehicle year, make, and model
Michigan also allows insurers to use your credit score to determine the price of your car insurance.
What Is The Average Cost Of Auto Insurance In Michigan?
Michigan is one of the most expensive states in the U.S. for car insurance. According to the Insurance Information Institute, the average annual expenditure for Michigan drivers in 2017 was $1,359 per year, which was much higher than the national average of $1,005.
Here’s a breakdown of the coverage costs for car insurance in Michigan that year according to the Insurance Information Institute:
|Type Of Coverage||Average Annual Expenditure in 2017|
*To calculate average expenditures, NAIC assumed that all insured vehicles would carry liability coverage but not necessarily collision or comprehensive. Total cost per year measures what consumers actually spent.
Not all drivers purchased the same amount of coverage. It’s also important to note that your own rates could be higher or lower when looking at auto insurance quotes in Michigan.
Available Discounts For Michigan Auto Insurance
To be sure you’re getting the best price on car insurance quotes in Michigan, you should ask an agent about any available discounts you could qualify for. Some common discounts that help you save money include:
- Good driving habits
- Good driving history
- Being a good student
- Owning multiple vehicles
- Bundling your car insurance and homeowners insurance policy
- Having safety equipment like anti-theft technology or airbags
Motorists looking for the cheapest car insurance should also see if there are any courses they can take, like a defensive driving course, to qualify for discounts.
What If I Can’t Afford The Minimum Insurance In MI?
If a motorist is caught driving without proof of insurance in Michigan, they could face serious penalties such as:
- Fines between $200 and $500
- Up to one year in jail
- Suspension of driver’s license until providing proof of insurance
- Revocation of driver’s license
In addition to this, any party involved in an auto accident can be held liable for any injuries or accident-related medical bills and lost wages sustained by the other involved party.
Recommendations For Car Insurance Quotes In Michigan
If you’re a Michigan resident looking for affordable car insurance, it’s smart to compare quotes from several different providers. Two providers that we highly recommend are Progressive and USAA.
Progressive Car Insurance: 4.5 Stars
If you’re shopping for car insurance quotes in Michigan, consider Progressive. We reviewed Progressive car insurance and found that the company is a great choice for young drivers in their 20s and drivers with DUIs in their history.
Progressive is one of the biggest auto insurance providers in the United States. It has serviced over 13 million policies and has collected thousands of positive reviews from satisfied customers. Plus, the company has high ratings from industry leaders like the Better Business Bureau (BBB) and AM Best.
When you buy auto insurance from Progressive, you’ll have coverage options ranging from basic car insurance plans that will satisfy Michigan’s state requirements to full coverage with extras like roadside assistance, rental car reimbursement, custom parts and equipment coverage, and rideshare coverage.
Progressive has many money-saving features, including a deductible savings bank, bundling discounts, a usage-based insurance program, and the Name Your PriceⓇ tool that quickly lets you find a plan that will work with your budget.
We recommend getting a few quotes from top providers and comparing them to find the best coverage for you.
USAA Car Insurance: 5 Stars
In our review of USAA car insurance, we found this company has some of the best car insurance options for military personnel and their families. USAA offers auto insurance in all 50 states and maintains a strong reputation among auto insurance experts like AM Best and J.D. Power. AM Best has given USAA a financial strength rating of A++ (Superior), and the J.D. Power 2019 U.S. Auto Claims Satisfaction Study rated USAA at 900 out of a possible 1,000.
USAA also offers other types of insurance including:
- Homeowners/renters insurance
- Property insurance
- Life insurance
- Health insurance
- Disaster recovery insurance
- Banking services
- Vehicle loans
- Home loans
- Credit cards
- Financial planning
- Retirement accounts
USAA offers various discounts for drivers, including a discount for customers who park their vehicles on a military base, and has great reviews for customer service.
To start saving money, simply enter your zip code in the tool below or call (855) 518-0148 to collect and compare car insurance quotes from providers available in Michigan:
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