Cheapest Car Insurance in Michigan for 2022 – NerdWallet

car insurance is an significant purchase, but finding cheap car policy in Michigan isn ’ metric ton always easy. That ’ sulfur why it ’ south crucial to compare rates from multiple insurers. The average cost of wax coverage car insurance in Michigan is $ 2,125 per class, or about $ 177 per calendar month, according to NerdWallet ’ mho analysis. minimum coverage in Michigan is $ 913 per year on median, but we found you can probably get a cheaper policy. For example, Travelers offers the cheapest rates in Michigan at $ 106 per year, on average, for minimum coverage cable car indemnity for a 35-year-old driver with a clean tug record. If you ‘re looking for bum options in the birthplace of Motown, check out our usher to the cheap car insurance in Detroit.

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Cheapest cable car insurance company overall in Michigan
Secura	$ 82/month	not yet rated .
Cheapest for minimum coverage
Travelers	$ 9/month	5.0 NerdWallet military rank NerdWallet’s ratings are determined by our editorial team. The scoring formula takes into account consumer complaint and customer satisfaction data.
Cheapest for young drivers
Secura	$ 169/month	not even rated .

How we chose the cheapest companies in Michigan

NerdWallet ’ s editorial team analyzed car insurance rates from 22 car insurers in Michigan and found the five cheapest options for drivers in several 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 broad coverage, we used the below coverage limits :

• $ 100,000 bodily injury liability per person .
• $ 300,000 bodily injury liability per accident .
• $ 50,000 property 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 examination coverage with a $ 1,000 deductible .

Cheapest for 20-year-old drivers

Drivers in their 20s may have to get a set of quotes to find cheap car indemnity. Prices can be sky-high for younger 20-somethings, but tend to come down as drivers get more feel on the road. still, 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 postdate companies, which had the lowest average rates :

1. Secura : $ 2,031 per year, or about $ 169 per month .
2. Geico : $ 2,055 per class, or about $ 171 per month .
3. Chubb : $ 2,569 per year, or about $ 214 per calendar month .
4. wolverine Mutual : $ 2,891 per class, 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 equitable the express minimum coverage may want to check with these companies, which had the lowest average rates :

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

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

For drivers with a recent accident in Michigan, hera are the companies with the lowest average rates for minimal coverage :

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

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

The cheapest car insurance we found after a DUI is shown here, alongside the insurers ‘ average rates for minimum coverage .

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

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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. hush, factors like a person ’ sulfur drive record and car construct and model can increase prices. Drivers in their 30s can get lower rates by shopping about and taking advantage of any car policy discounts.

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

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

1. Secura : $ 1,046 per year, or about $ 87 per month .
2. Geico : $ 1,166 per class, or about $ 97 per calendar month .
3. michigander Mutual : $ 1,173 per year, or about $ 98 per calendar month .
4. Chubb : $ 1,636 per class, or about $ 136 per month .
5. MetLife : $ 1,692 per year, or about $ 141 per calendar 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 month .
3. michigander Mutual : $ 226 per class, or about $ 19 per calendar month .
4. Westfield : $ 395 per year, or about $ 33 per month .
5. Chubb : $ 423 per year, or about $ 35 per 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 average rate options for full coverage :

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

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

For the cheapest car indemnity after a DUI, we found the follow options for full moon coverage .

1. Chubb : $ 1,636 per class, or about $ 136 per calendar month .
2. progressive : $ 2,066 per year, or about $ 172 per month .
3. glutton Mutual : $ 2,954 per year, or about $ 246 per month .
4. Farmers : $ 3,116 per year, or about $ 260 per calendar 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 insurance rates than their younger counterparts on average, but still pay more than older age groups. Shopping around for cheap car policy quotes with multiple insurers is the best way to find lower rates. well drivers who don ’ deoxythymidine monophosphate get behind the wheel much might want to consider pay-per-mile policy, 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 drive records may want to think about the following companies, which had the lowest modal rates :

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

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

Drivers in Michigan who want equitable the minimal coverage may want to check prices from these companies, which had the lowest modal rates :

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

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

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

1. michigander Mutual : $ 1,284 per year, or about $ 107 per calendar month .
2. Secura : $ 1,466 per year, or about $ 122 per calendar month .
3. Chubb : $ 1,583 per year, or about $ 132 per month .
4. progressive : $ 2,429 per year, 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 fully coverage car indemnity we found for drivers with a DUI came from the following companies .

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

Cheapest for 50-year-old drivers

Drivers in their 50s have cheaper cable car indemnity rates than most other age groups on median. Prices will continue to drop as they inch toward their 60s and gain more drive experience. Rates can hush vary depending on other factors such as a driver ’ south gender and location, so it ’ s smart to shop around to find the best rate. Our list of the best bum cable car policy companies is a good rate to start.

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

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

1. michigander Mutual : $ 819 per year, or about $ 68 per calendar month .
2. Secura : $ 948 per year, or about $ 79 per month .
3. Geico : $ 1,143 per year, or about $ 95 per month .
4. Hastings Mutual : $ 1,238 per class, 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 minimal coverage may want to consider the trace companies, with the lowest average rates :

1. Travelers : $ 92 per year, or about $ 8 per calendar month .
2. glutton Mutual : $ 162 per year, or about $ 14 per month .
3. Secura : $ 171 per class, or about $ 14 per calendar month .
4. Chubb : $ 384 per class, or about $ 32 per calendar month .
5. Westfield : $ 420 per year, or about $ 35 per calendar 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. glutton Mutual : $ 1,018 per year, or about $ 85 per month .
2. Secura : $ 1,432 per year, or about $ 119 per calendar month .
3. Chubb : $ 1,521 per year, 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 full coverage .

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

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Cheapest for 60-year-old drivers

Although 60-year-olds have cheaper cable car indemnity rates than many other age groups on average, prices will start increasing as they get older. To find brassy car indemnity for seniors, drivers in their 60s should make surely 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 modal rates :

1. michigander Mutual : $ 819 per class, or about $ 68 per month .
2. Secura : $ 947 per year, or about $ 79 per calendar month .
3. Hastings Mutual : $ 1,164 per class, 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 month .

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

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

1. Travelers : $ 94 per year, or about $ 8 per calendar month .
2. glutton Mutual : $ 162 per class, 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 calendar month .

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

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

1. wolverine Mutual : $ 1,018 per year, or about $ 85 per month .
2. Chubb : $ 1,371 per class, or about $ 114 per month .
3. Secura : $ 1,440 per year, or about $ 120 per 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 coverage .

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

Cheapest car insurance for military families

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

Minimum car insurance requirements in Michigan

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

• $ 50,000 bodily injury liability per person .
• $ 100,000 bodily injury indebtedness per incident .
• $ 1 million PPI for incidents that occur within Michigan .
• $ 10,000 property damage liability per incident outside Michigan .
• $ 250,000* personal injury protection .

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

• Lost wages if you ’ re unable to work due to injuries from an accident .
• Services you can nobelium longer perform, like theater clean or child worry, because of your injuries .
• funeral costs if an accident-related wound leads to death .
• A minor death benefit as a cash payout .

Experts recommend buying more than the bare minimum indebtedness policy to avoid having to pay out of pocket for damage that exceeds your policy ’ s limits. Check out NerdWallet ’ s guide to car policy requirements by state to learn more about how the command and optional coverages of your Michigan car policy work.

Alternative car insurance in Michigan

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

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