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Like most states, Michigan requires you to have car insurance to legally drive. 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 get started, simply enter your zip code in the form below to compare the best Michigan car insurance quotes. For an even easier process, you can call our team at (844) 246-8209 to get free, personalized quotes seven days a week.


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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, as 20/40/10 is Michigan’s minimum coverage for liability insurance. 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 an at-fault 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 car insurance rates depending on factors like:

  • Your driving record
  • Your age, gender, and marital status
  • Your location
  • Prior auto 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
Liability coverage $873.73
Collision coverage $462.80
Comprehensive coverage $157.50
Total cost $1,358.62

*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 auto insurance rates could be higher or lower when looking at 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 with another 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 car 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. Learn more about our top recommended providers in our article on the best car insurance in Michigan.

Best Michigan Car Insurance Motor1 Rating Customer Service Affordability Coverage

1. MetLife Car Insurance





2. Auto-Owners Insurance





3. USAA Car Insurance





4. Geico Auto Insurance





5. Progressive Car Insurance






*You may notice that some car insurance companies are listed above those with higher star ratings. This is because our ratings take into account nationwide factors, while our ranking looks specifically at what insurance providers are best for car insurance in Michigan. 

Our Recommended Michigan Provider: MetLife Car Insurance

If you’re shopping for car insurance quotes in Michigan, we recommend MetLife. In addition to car insurance, the insurance provider offers life, homeowners, and health insurance, plus retirement and savings products.

When you buy car insurance from MetLife, you’ll have coverage options ranging from basic car insurance plans that will satisfy Michigan’s state requirements to full coverage with extras like new car replacement, major parts replacement, glass repairs without a deductible, roadside assistance and towing coverage, legal defense costs, and gap insurance. 

To start saving money, simply enter your zip code in the tool below or call (844) 246-8209 to collect and compare cheap car insurance quotes from providers available in Michigan:



In an effort to provide accurate and unbiased information to consumers, our expert review team collects data from dozens of auto insurance providers to formulate rankings of the best insurers. Companies receive a score in each of the following categories, as well as an overall weighted score out of 5.0 stars.

  • Industry Standing: Insurers with strong financial ratings and customer-first business practices receive the highest scores in this category.
  • Availability: We consider availability by state as well as exclusions for specific groups of drivers.
  • Coverage: This rating is based on types of insurance available, maximum coverage limits, and add-on policies.
  • Cost and Discounts: Our research team reviews sample quotes for a variety of drivers in every state. Companies with lower prices and many car insurance discount opportunities receive the best scores.
  • Customer Service: We comb through customer reviews and consumer feedback studies from experts like J.D. Power.
  • Technology: Auto insurers with mobile apps, advanced online services and telematics are more likely to meet consumer needs.

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