Cheapest Car Insurance Rates in 2023

Best Car Insurance Companies in Michigan

• Auto Owners Insurance
• Farm Bureau
• Allstate
• State Farm
• Nationwide
• Metlife

Auto Insurance Statistics in Michigan

Michigan’s auto insurance rates have been close to the national average for many years, however in recent years, the rates have begun to take on an upward climb. Drivers looking for affordable car insurance rates in Michigan cities like Flint and Kalamazoo can benefit from learning how the state ranks in the cost of car insurance when compared with other states nationwide.

Top 10 Cheapest Car Insurance Companies in Michigan

Drunk Driving Fatalities

After an increase in reported drunk driving fatalities in Michigan in 2011, the state has exhibited a fluctuating trend in relation to the number of reported drunk driving accidents. Finding out about the rate of drunk driving fatalities in Michigan can provide insight into the level of risk drivers face. The National Highway Traffic Safety Administration has done a tally of the number of drunk driving fatalities in Michigan vs. nationwide.

Drunk driving fatalities in Michigan from 2013 to 2017

Teen Drinking and Driving

Teen drinking and driving in Michigan is more than in other states across the country. The below statistics represent the percentage of drivers in Michigan who are teenagers and are drinking and driving when compared with national averages.

Teen Drinking & Driving in Michigan vs. Nationwide (2017)

SR-22 Insurance in Michigan

If your license has been taken away in Michigan, you will need to provide formal evidence that you are properly insured if you want your license to be reinstated. In Michigan, you will need an SR-22 form to reinstate your license. This is a form that is submitted directly to the Michigan DMV. Your insurance provider will notify the DMV if you cancel the policy — this provides assurances to the DMV that you are covered.

Keep in mind that an SR-22 in Michigan doesn't cover everything — if you are under the influence of drugs or alcohol, your insurance policy will most likely be void. It's still your responsibility to follow the law after you have your license reinstated.

Car Theft in Michigan

Learning about the levels of car theft in Michigan offers insight into how often vehicular theft takes place. The rate of car theft appears to have spiked in 2012 and has since then exhibited a downward trend.

Vehicle thefts by rank Nationwide vs. Louisiana

Uninsured Motorists in Michigan

When drivers operate motor vehicles without any insurance coverage, they are considered uninsured motorists. If you get into an accident with an uninsured driver, you will have to pay the upfront costs for car repairs and even medical bills. This is why it is recommended to have uninsured and underinsured motorist coverage. The below data shows how well Michigan ranks in the total number of reported uninsured motorists in the state in the year 2015.

Percentage of uninsured drivers (Top States in 2015)

• Personal Injury Protection (PIP): If you're in an accident, this covers all reasonable and necessary medical expenses if you are injured. It also covers wage loss and replacement services for up to three years.
• Property Protection (PPI): This covers up to $1 million worth of property damage done by your vehicle to someone else's property.
• Residual Bodily Injury and Property Damage Liability (BI/PD): This form of insurance covers you – up to a point – if you are found liable in an auto accident for someone else's injury or death. This includes expenses such as defense costs. The minimum coverage is $20,000 for each person hurt or killed in an accident, and $40,000 for each accident. A minimum coverage of $10,000 for damage done by your vehicle to property in another state is also included.

As you can see, while it may be costly, auto insurance can offer an enormous amount of relief in the event of an accident. But if you're like most people, you still want a policy that's affordable. To make this task a little easier, we've put together a list of the cheapest car insurance companies for each of Michigan's five biggest cities:

Detroit, MI

Michigan's biggest city, Detroit has been given nicknames like “The Motor City” and “Motown”, reflecting its prominent role in American society and culture. For the better part of a century, it has been the center of auto manufacturing in this country.

Detroit is one of the most expensive places to get your vehicle insured in the entire country, let alone Michigan. Residents pay nearly $6,200 annually for auto insurance. Huge discounts are available however. MetLife, the cheapest provider here, offers packages around $2,100. Check them out, along with these other affordable insurance companies:

Grand Rapids, MI

• MetLife
• Hastings Mutual
• Chubb
• Farm Bureau
• Auto Owners

Getting a vehicle insured in Grand Rapids, Michigan's second biggest city, is much cheaper. Here, residents pay an average of $2,446 per year. Of course, there's always additional discounts to be had if you shop around. These companies offer the best rates in Grand Rapids:

Warren, MI

• MetLife
• Hastings Mutual
• Pioneer State Mutual
• Chubb
• MEEMIC

Warren, the state's third largest city, is Detroit's largest suburb, located 20 miles to its north. While the city has had to deal with a rise in crime in recent years, it still maintains its character and appeal with historical sites like the Detroit Arsenal Tank Plant.

Auto insurance here is higher than the state's already-expensive average, with residents paying $3,446. Shopping around, you can find companies with policies for a small fraction of that. MetLife, for example, offers plans at around $1,000 per year. Here are the rest of Warren's budget auto insurance providers:

Sterling Heights, MI

• MetLife
• Chubb
• Hastings Mutual
• Pioneer State Mutual
• MEEMIC

Sterling Heights is the second largest suburb of Detroit, and the fourth largest city in Michigan. Auto insurance rates here are more expensive than the national average, at $3,223 per year. You can get a much-needed break from that price by looking into one of these companies:

Lansing, MI

• MetLife
• Hastings Mutual
• Chubb
• MEEMIC
• Pioneer State Mutual

Michigan's capital and its fifth biggest city, Lansing is one of the cheaper places in the state to get auto insurance. The average right here is about $2,605, but cheaper options can be found at these companies:

• MetLife
• Hastings Mutual
• Pioneer State Mutual
• Chubb
• Auto Owners

Types of Auto Insurance Coverage in Michigan:

• Comprehensive Insurance Coverage
• Bodily Injury Liability Insurance
• Property Damage Liability Insurance
• Uninsured/Underinsured Motorist Bodily Injury Insurance
• Uninsured Motorist Property Damage Insurance

Minimum Requirements For Car Insurance in Michigan

There are minimum requirements for car insurance in the state of Michigan. According to The Michigan Department of Insurance, it is mandatory to have no-fault automobile insurance for every registered driver who is operating a vehicle in the state.

Liability Coverage Minimums For the State of Michigan:

$10,000 for property damage

$20,000 per individual to cover bodily injury or death

$40,000 per accident involving bodily injuries or deaths

If a driver neglects to maintain proper insurance, this can result in vehicle fines and even potential vehicle impounds.

Source: Department of Insurance and Financial Services

Cheap Auto Insurance Discounts

Car insurance discounts are available to drivers in the state of Michigan, however, it’s important to know which discounts to ask for when getting car insurance quotes online. Although the auto insurance companies make these discounts available, they usually don't advertise them. We want you to save as much as possible on your auto insurance rates so we offer a list of common auto insurance discounts you can obtain from your auto insurance provider.

• Anti-theft discount
• Mature driver discount
• Military or Veteran discount
• Bundling insurance policies discount
• Senior citizen discount
• Car safety features discount
• Good student discount
• Defensive driving discount
• Low-mileage discount
• Multi-car auto insurance discount
• Infrequent usage discount

FAQ

Everything about Auto Insurance Rates

All inquiries about rates including actual prices, how they are determined, what affect them, and more are discussed here.

Basic Information on Michigan’s Auto Insurance

To truly understand car insurance in this state, you must know the basics first.

Understanding the Effect of Accidents

What happens when you get into an accident? Who will be held liable? In this section, we explore these different situations.

No Insurance Issues and Getting One

What if you don’t have insurance at all? Find out your potential options here.

Other Questions

Despite little relevance to getting an auto insurance, you may still have certain questions including eliminating no fault insurance and the likes. Below, you will find the answer.