Cheapest Car Insurance in Michigan (2025)
Best cheap car insurance in Michigan
Cheapest full-coverage car insurance in Michigan: Progressive
At $140 a month, USAA has Michigan’s cheapest full-coverage quotes overall. However, only the military community and their families can buy policies from USAA.
Full-coverage auto insurance rates
| Company | Average annual rate | LendingTree score | |
|---|---|---|---|
 | Progressive | $1,906 |  |
 | Auto-Owners | $2,218 |  |
 | AAA | $2,579 |  |
 | Farm Bureau | $2,679 | |
 | State Farm | $3,152 |  |
 | Allstate | $3,635 |  |
 | Farmers | $7,362 | |
 | USAA* | $1,677 | |
Full-coverage car insurance includes collision Collision covers your car for damage if you hit with another vehicle or object. and comprehensive Comprehensive covers your car for theft or damage from non-collision causes like vandalism, fire or flood. . Neither is required by law, but you usually need both for a car loan or lease.
Full coverage costs an average of $263 a month in Michigan. Your actual rate depends on factors like your driving record, age and location. Each company weighs these factors differently. This makes it good to compare car insurance quotes from a few different companies when you buy or renew your auto insurance.
Michigan’s cheapest liability insurance: Auto-Owners
Progressive has the next-cheapest liability rates at $86 a month. Auto-Owners also has a better overall customer satisfaction rating than Progressive from J.D. Power.
Liability insurance Liability insurance covers injuries and damage you cause to others in a car accident. costs an average of $133 a month statewide.
Liability insurance rates
| Company | Annual rate |
|---|---|
| Auto-Owners | $949 |
| Progressive | $1,026 |
| AAA | $1,043 |
| Farm Bureau | $1,326 |
| Allstate | $1,551 |
| State Farm | $2,423 |
| Farmers | $3,827 |
| USAA* | $627 |
Cheap car insurance for young Michigan drivers: Auto-Owners
Auto-Owners and AAA both offer a discount to teens with good grades. Farm Bureau, however, does not.
Auto-Owners also has the cheapest full-coverage auto insurance rates for teens at $315 a month. Farm Bureau is next at $363 a month.
Annual car insurance rates for teen drivers
| Company | Liability | Full coverage |
|---|---|---|
| Auto-Owners | $1,499 | $3,779 |
| AAA | $2,049 | $5,364 |
| Farm Bureau | $2,148 | $4,354 |
| Allstate | $3,287 | $7,869 |
| Progressive | $3,858 | $8,600 |
| State Farm | $6,519 | $8,080 |
| Farmers | $19,440 | $33,797 |
| USAA* | $1,063 | $3,284 |
Best Michigan car insurance rates after a ticket: Progressive
A speeding ticket increases the average cost of car insurance in Michigan by 26% to $332 a month. This is why it’s important to shop around for car insurance if you have a bad driving record.
| Company | Annual rate |
|---|---|
| Progressive | $2,301 |
| Auto-Owners | $2,596 |
| Farm Bureau | $2,679 |
| AAA | $3,074 |
| State Farm | $4,025 |
| Allstate | $4,794 |
| Farmers | $10,275 |
| USAA* | $2,125 |
Cheap Michigan car insurance after an accident: Auto-Owners
An at-fault accident drives up car insurance rates by an average of 37% in Michigan.
Accident forgiveness Accident forgiveness prevents your insurance rate from going up after your first at-fault accident. can protect you from a rate hike like this. You normally have to add it to your policy before an accident. It often costs extra, though Progressive offers free and paid accident forgiveness options.
Auto insurance rates after an accident
| Company | Annual rate |
|---|---|
| Auto-Owners | $2,596 |
| Progressive | $2,677 |
| Farm Bureau | $3,272 |
| AAA | $3,679 |
| State Farm | $3,734 |
| Allstate | $5,798 |
| Farmers | $10,354 |
| USAA* | $2,325 |
Best for Michigan teens with a ticket or accident: Auto-Owners
Auto-Owners charges teens with a ticket $146 a month for liability insurance. This is 19% less than the next-cheapest rate — $179 a month from Farm Bureau.
Auto-Owners also has the cheapest car insurance for Michigan teens after an accident at $146 a month. This is 33% less than the next-cheapest rate of $217 a month from AAA.
Annual rates for teens with a bad driving record
| Company | Ticket | Accident |
|---|---|---|
| Auto-Owners | $1,748 | $1,748 |
| Farm Bureau | $2,148 | $2,622 |
| AAA | $2,269 | $2,598 |
| Progressive | $4,027 | $4,321 |
| Allstate | $4,474 | $4,734 |
| State Farm | $8,680 | $7,960 |
| Farmers | $24,735 | $23,863 |
| USAA* | $1,215 | $1,251 |
Cheapest for Michigan drivers with a OWI: Progressive
The next-cheapest OWI insurance rate, $420 a month from Auto-Owners, is more than double the price.
Car insurance rates with an OWI
| Company | Annual rate |
|---|---|
| Progressive | $2,176 |
| Auto-Owners | $5,038 |
| AAA | $6,355 |
| Farm Bureau | $6,812 |
| State Farm | $8,507 |
| Farmers | $9,854 |
| Allstate | $18,907 |
| USAA* | $2,951 |
Best car insurance companies in Michigan
Auto-Owners has cheaper rates than State Farm. It also offers accident forgiveness, which State Farm does not have.
State Farm has a slightly higher overall satisfaction rating than Auto-Owners from J.D. Power. However, both companies beat the industry average for overall satisfaction.
Michigan car insurance company ratings
| Company | J.D. Power** | AM Best | LendingTree score |
|---|---|---|---|
| AAA | 658 | A | |
| Allstate | 635 | A+ | |
| Auto-Owners | 654 | A++ | |
| Farm Bureau | 673 | A- | |
| Farmers | 619 | A | |
| Progressive | 622 | A+ | |
| State Farm | 657 | A++ | |
| USAA* | 739 | A++ | |
*USAA only sells insurance to members of the military and their families.
**Source: J.D. Power 2024 U.S. Auto Insurance Study. Higher is better; 644 is average.
J.D. Power’s scores are based on customer surveys rating companies on factors like price, coverages and problem resolution. USAA has Michigan’s highest satisfaction score. Farm Bureau has the second-highest rating.
Michigan car insurance rates by city
With rates that average $2,037 a year, Stevensville has the cheapest car insurance among Michigan’s cities and towns. Nearby St. Joseph and Shoreham have the next-cheapest rates at $2,041 a year and $2,042 a year, respectively. These rates work out to about $170 a month in all three areas.
Hamtramck has Michigan’s most expensive car insurance at $773 a month. Highland Park has the second-most expensive rates at $753 a month. The city of Detroit is third at $752 a month.
Drivers in Grand Rapids drivers pay an average of $204 a month for car insurance, or 22% less than the state average. Lansing drivers pay an average of $209 a month to insure their vehicles.
Auto insurance rates near you
| City | Annual rate | City vs. state % |
|---|---|---|
| Acme | $2,353 | -25% |
| Addison | $2,422 | -23% |
| Adrian | $2,296 | -27% |
| Afton | $2,330 | -26% |
| Ahmeek | $2,283 | -28% |
| Alanson | $2,324 | -26% |
| Alba | $2,352 | -25% |
| Albion | $2,490 | -21% |
| Alden | $2,424 | -23% |
| Alger | $2,512 | -20% |
| Algonac | $2,585 | -18% |
| Allegan | $2,305 | -27% |
| Allen Park | $4,054 | 29% |
| Allendale | $2,245 | -29% |
| Allenton | $2,587 | -18% |
| Allouez | $2,303 | -27% |
| Alma | $2,318 | -26% |
| Almont | $2,588 | -18% |
| Alpena | $2,295 | -27% |
| Alpha | $2,394 | -24% |
| Alto | $2,410 | -24% |
| Amasa | $2,429 | -23% |
| Anchorville | $2,493 | -21% |
| Ann Arbor | $2,244 | -29% |
| Applegate | $2,569 | -18% |
| Argentine | $2,523 | -20% |
| Armada | $2,704 | -14% |
| Arnold | $2,317 | -26% |
| Ashley | $2,378 | -25% |
| Athens | $2,442 | -23% |
| Atlanta | $2,404 | -24% |
| Atlantic Mine | $2,240 | -29% |
| Attica | $2,539 | -19% |
| Au Gres | $2,479 | -21% |
| Au Sable | $2,452 | -22% |
| Au Train | $2,320 | -26% |
| Auburn | $2,201 | -30% |
| Auburn Hills | $2,872 | -9% |
| Augusta | $2,291 | -27% |
| Avoca | $2,565 | -19% |
| Azalia | $2,544 | -19% |
| Bad Axe | $2,421 | -23% |
| Bailey | $2,453 | -22% |
| Baldwin | $2,816 | -11% |
| Bancroft | $2,455 | -22% |
| Bangor | $2,413 | -23% |
| Bannister | $2,450 | -22% |
| Baraga | $2,330 | -26% |
| Barbeau | $2,251 | -29% |
| Barryton | $2,751 | -13% |
| Barton City | $2,533 | -20% |
| Bath | $2,261 | -28% |
| Battle Creek | $2,430 | -23% |
| Bay City | $2,248 | -29% |
| Bay Port | $2,417 | -23% |
| Bay Shore | $2,335 | -26% |
| Beaver Island | $2,350 | -25% |
| Beaverton | $2,553 | -19% |
| Bedford | $2,407 | -24% |
| Beecher | $3,965 | 26% |
| Beechwood | $2,280 | -28% |
| Belding | $2,613 | -17% |
| Bellaire | $2,330 | -26% |
| Belleville | $3,769 | 20% |
| Belmont | $2,357 | -25% |
| Bentley | $2,517 | -20% |
| Benton Harbor | $2,236 | -29% |
| Benton Heights | $2,235 | -29% |
| Bergland | $2,363 | -25% |
| Berkley | $2,932 | -7% |
| Berrien Center | $2,267 | -28% |
| Berrien Springs | $2,280 | -28% |
| Bessemer | $2,309 | -27% |
| Beulah | $2,362 | -25% |
| Beverly Hills | $2,963 | -6% |
| Big Bay | $2,230 | -29% |
| Big Rapids | $2,625 | -17% |
| Bingham Farms | $3,000 | -5% |
| Birch Run | $3,298 | 5% |
| Birmingham | $2,848 | -10% |
| Bitely | $2,715 | -14% |
| Black River | $2,497 | -21% |
| Blanchard | $2,544 | -19% |
| Blissfield | $2,308 | -27% |
| Bloomfield Hills | $3,038 | -4% |
| Boon | $2,418 | -23% |
| Boyne City | $2,322 | -26% |
| Boyne Falls | $2,325 | -26% |
| Bradley | $2,301 | -27% |
| Branch | $2,766 | -12% |
| Breckenridge | $2,327 | -26% |
| Breedsville | $2,436 | -23% |
| Brethren | $2,603 | -17% |
| Bridgeport | $3,152 | 0% |
| Bridgman | $2,134 | -32% |
| Brighton | $2,333 | -26% |
| Brimley | $2,244 | -29% |
| Britton | $2,209 | -30% |
| Brohman | $2,649 | -16% |
| Bronson | $2,356 | -25% |
| Brooklyn | $2,434 | -23% |
| Brown City | $2,874 | -9% |
| Brownlee Park | $2,399 | -24% |
| Bruce Crossing | $2,559 | -19% |
| Brutus | $2,287 | -27% |
| Buchanan | $2,188 | -31% |
| Buckley | $2,508 | -20% |
| Buena Vista | $2,897 | -8% |
| Burnips | $2,339 | -26% |
| Burr Oak | $2,321 | -26% |
| Burt | $2,447 | -22% |
| Burt Lake | $2,313 | -27% |
| Burton | $3,613 | 15% |
| Byron | $2,597 | -18% |
| Byron Center | $2,297 | -27% |
| Cadillac | $2,436 | -23% |
| Calumet | $2,248 | -29% |
| Canadian Lakes | $2,690 | -15% |
| Cannonsburg | $2,390 | -24% |
| Capac | $2,574 | -18% |
| Carleton | $2,583 | -18% |
| Carney | $2,634 | -16% |
| Caro | $2,556 | -19% |
| Carrollton | $2,415 | -23% |
| Carson City | $2,630 | -17% |
| Carsonville | $2,610 | -17% |
| Caseville | $2,400 | -24% |
| Caspian | $2,388 | -24% |
| Cass City | $2,556 | -19% |
| Cassopolis | $2,482 | -21% |
| Cedar | $2,286 | -27% |
| Cedar Lake | $2,643 | -16% |
| Cedar Springs | $2,502 | -21% |
| Cedarville | $2,283 | -28% |
| Cement City | $2,412 | -23% |
| Center Line | $5,424 | 72% |
| Central Lake | $2,311 | -27% |
| Centreville | $2,231 | -29% |
| Ceresco | $2,363 | -25% |
| Champion | $2,239 | -29% |
| Channing | $2,327 | -26% |
| Charlevoix | $2,309 | -27% |
| Charlotte | $2,298 | -27% |
| Chatham | $2,425 | -23% |
| Cheboygan | $2,251 | -29% |
| Chelsea | $2,316 | -26% |
| Chesaning | $2,435 | -23% |
| Chippewa Lake | $2,656 | -16% |
| Clare | $2,493 | -21% |
| Clarklake | $2,437 | -23% |
| Clarkston | $2,490 | -21% |
| Clarksville | $2,592 | -18% |
| Clawson | $2,832 | -10% |
| Clayton | $2,316 | -26% |
| Clifford | $2,633 | -16% |
| Climax | $2,273 | -28% |
| Clinton | $2,248 | -29% |
| Clio | $3,375 | 7% |
| Cloverdale | $2,413 | -23% |
| Coldwater | $2,314 | -27% |
| Coleman | $2,322 | -26% |
| Coloma | $2,205 | -30% |
| Colon | $2,312 | -27% |
| Columbiaville | $2,510 | -20% |
| Comins | $2,452 | -22% |
| Comstock Northwest | $2,279 | -28% |
| Comstock Park | $2,354 | -25% |
| Conklin | $2,348 | -25% |
| Constantine | $2,273 | -28% |
| Cooks | $2,345 | -26% |
| Coopersville | $2,294 | -27% |
| Copemish | $2,598 | -18% |
| Copper City | $2,203 | -30% |
| Copper Harbor | $2,311 | -27% |
| Coral | $2,704 | -14% |
| Cornell | $2,560 | -19% |
| Corunna | $2,380 | -24% |
| Covington | $2,303 | -27% |
| Cross Village | $2,282 | -28% |
| Croswell | $2,592 | -18% |
| Crystal Falls | $2,420 | -23% |
| Curran | $2,517 | -20% |
| Curtis | $2,235 | -29% |
| Custer | $2,569 | -18% |
| Cutlerville | $2,312 | -27% |
| Daggett | $2,646 | -16% |
| Dansville | $2,346 | -26% |
| Davisburg | $2,686 | -15% |
| Davison | $2,438 | -23% |
| De Tour Village | $2,377 | -25% |
| DeWitt | $2,280 | -28% |
| Dearborn | $5,773 | 83% |
| Dearborn Heights | $5,112 | 62% |
| Decatur | $2,472 | -22% |
| Decker | $2,639 | -16% |
| Deckerville | $2,599 | -18% |
| Deerfield | $2,322 | -26% |
| Deerton | $2,246 | -29% |
| Deford | $2,610 | -17% |
| Delton | $2,554 | -19% |
| Detroit | $9,019 | 186% |
| Detroit Beach | $2,602 | -17% |
| Dexter | $2,287 | -27% |
| Dimondale | $2,263 | -28% |
| Dodgeville | $2,221 | -30% |
| Dollar Bay | $2,209 | -30% |
| Douglas | $2,216 | -30% |
| Dowagiac | $2,412 | -23% |
| Dowling | $2,530 | -20% |
| Drayton Plains | $2,817 | -11% |
| Drummond Island | $2,401 | -24% |
| Dundee | $2,354 | -25% |
| Durand | $2,492 | -21% |
| East Grand Rapids | $2,377 | -25% |
| East Jordan | $2,358 | -25% |
| East Lansing | $2,300 | -27% |
| East Leroy | $2,375 | -25% |
| East Tawas | $2,331 | -26% |
| Eastlake | $2,501 | -21% |
| Eastpointe | $5,312 | 69% |
| Eastport | $2,315 | -27% |
| Eastwood | $2,359 | -25% |
| Eaton Rapids | $2,327 | -26% |
| Eau Claire | $2,227 | -29% |
| Eben Junction | $2,299 | -27% |
| Eckerman | $2,286 | -27% |
| Ecorse | $5,416 | 72% |
| Edgemont Park | $2,567 | -19% |
| Edmore | $2,661 | -16% |
| Edwardsburg | $2,465 | -22% |
| Elberta | $2,368 | -25% |
| Elk Rapids | $2,245 | -29% |
| Elkton | $2,405 | -24% |
| Ellsworth | $2,319 | -26% |
| Elm Hall | $2,499 | -21% |
| Elmira | $2,346 | -26% |
| Elsie | $2,393 | -24% |
| Elwell | $2,345 | -26% |
| Engadine | $2,307 | -27% |
| Escanaba | $2,405 | -24% |
| Essexville | $2,216 | -30% |
| Evart | $2,684 | -15% |
| Ewen | $2,378 | -25% |
| Fair Haven | $2,503 | -21% |
| Fair Plain | $2,218 | -30% |
| Fairgrove | $2,458 | -22% |
| Fairview | $2,427 | -23% |
| Falmouth | $2,552 | -19% |
| Farmington | $3,054 | -3% |
| Farmington Hills | $3,223 | 2% |
| Farwell | $2,571 | -18% |
| Felch | $2,370 | -25% |
| Fennville | $2,283 | -28% |
| Fenton | $2,449 | -22% |
| Fenwick | $2,582 | -18% |
| Ferndale | $3,576 | 13% |
| Ferrysburg | $2,180 | -31% |
| Fife Lake | $2,426 | -23% |
| Filer City | $2,489 | -21% |
| Filion | $2,420 | -23% |
| Flat Rock | $3,558 | 13% |
| Flint | $4,172 | 32% |
| Flushing | $3,414 | 8% |
| Forest Hills | $2,318 | -26% |
| Forestville | $2,635 | -16% |
| Foster City | $2,385 | -24% |
| Fostoria | $2,595 | -18% |
| Fountain | $2,658 | -16% |
| Fowler | $2,263 | -28% |
| Fowlerville | $2,440 | -23% |
| Frankenmuth | $2,424 | -23% |
| Frankfort | $2,361 | -25% |
| Franklin | $2,934 | -7% |
| Fraser | $3,839 | 22% |
| Freeland | $2,269 | -28% |
| Freeport | $2,471 | -22% |
| Fremont | $2,493 | -21% |
| Frontier | $2,359 | -25% |
| Fruitport | $2,280 | -28% |
| Fulton | $2,343 | -26% |
| Gaastra | $2,397 | -24% |
| Gagetown | $2,544 | -19% |
| Galesburg | $2,247 | -29% |
| Galien | $2,251 | -29% |
| Garden | $2,526 | -20% |
| Garden City | $3,888 | 23% |
| Gaylord | $2,270 | -28% |
| Genesee | $2,766 | -12% |
| Germfask | $2,345 | -26% |
| Gibraltar | $2,678 | -15% |
| Gladstone | $2,419 | -23% |
| Gladwin | $2,553 | -19% |
| Glenn | $2,250 | -29% |
| Glennie | $2,535 | -20% |
| Gobles | $2,447 | -22% |
| Goetzville | $2,307 | -27% |
| Good Hart | $2,297 | -27% |
| Goodells | $2,515 | -20% |
| Goodrich | $2,556 | -19% |
| Gould City | $2,345 | -26% |
| Gowen | $2,661 | -16% |
| Grand Beach | $2,195 | -30% |
| Grand Blanc | $2,573 | -18% |
| Grand Haven | $2,119 | -33% |
| Grand Junction | $2,410 | -24% |
| Grand Ledge | $2,330 | -26% |
| Grand Marais | $2,346 | -26% |
| Grand Rapids | $2,444 | -22% |
| Grandville | $2,255 | -28% |
| Grass Lake | $2,416 | -23% |
| Grawn | $2,351 | -25% |
| Grayling | $2,265 | -28% |
| Greenville | $2,652 | -16% |
| Gregory | $2,495 | -21% |
| Greilickville | $2,261 | -28% |
| Grosse Pointe | $3,518 | 12% |
| Grosse Pointe Farms | $3,440 | 9% |
| Grosse Pointe Park | $3,695 | 17% |
| Grosse Pointe Woods | $3,412 | 8% |
| Gulliver | $2,317 | -26% |
| Gwinn | $2,238 | -29% |
| Hagar Shores | $2,232 | -29% |
| Hale | $2,511 | -20% |
| Hamilton | $2,273 | -28% |
| Hamtramck | $9,273 | 194% |
| Hancock | $2,193 | -30% |
| Hanover | $2,519 | -20% |
| Harbert | $2,165 | -31% |
| Harbor Beach | $2,558 | -19% |
| Harbor Springs | $2,252 | -29% |
| Harper Woods | $7,930 | 152% |
| Harrietta | $2,576 | -18% |
| Harrison | $2,564 | -19% |
| Harsens Island | $2,587 | -18% |
| Hart | $2,492 | -21% |
| Hartford | $2,307 | -27% |
| Haslett | $2,230 | -29% |
| Hastings | $2,474 | -21% |
| Hawks | $2,323 | -26% |
| Hazel Park | $5,264 | 67% |
| Hemlock | $2,387 | -24% |
| Henderson | $2,390 | -24% |
| Hermansville | $2,538 | -19% |
| Herron | $2,314 | -27% |
| Hesperia | $2,672 | -15% |
| Hessel | $2,209 | -30% |
| Hickory Corners | $2,540 | -19% |
| Higgins Lake | $2,358 | -25% |
| Highland Park | $9,033 | 187% |
| Hillsdale | $2,428 | -23% |
| Holland | $2,221 | -30% |
| Holly | $2,599 | -18% |
| Holt | $2,309 | -27% |
| Homer | $2,486 | -21% |
| Honor | $2,341 | -26% |
| Horton | $2,476 | -21% |
| Houghton | $2,199 | -30% |
| Houghton Lake | $2,445 | -22% |
| Houghton Lake Heights | $2,444 | -22% |
| Howard City | $2,634 | -16% |
| Howell | $2,385 | -24% |
| Hubbard Lake | $2,359 | -25% |
| Hubbardston | $2,554 | -19% |
| Hubbell | $2,290 | -27% |
| Hudson | $2,418 | -23% |
| Hudsonville | $2,176 | -31% |
| Hulbert | $2,292 | -27% |
| Huntington Woods | $3,017 | -4% |
| Idlewild | $2,730 | -13% |
| Imlay City | $2,530 | -20% |
| Indian River | $2,336 | -26% |
| Ingalls | $2,515 | -20% |
| Inkster | $5,273 | 67% |
| Interlochen | $2,326 | -26% |
| Ionia | $2,498 | -21% |
| Iron Mountain | $2,259 | -28% |
| Iron River | $2,339 | -26% |
| Irons | $2,740 | -13% |
| Ironwood | $2,306 | -27% |
| Ishpeming | $2,148 | -32% |
| Ithaca | $2,377 | -25% |
| Jackson | $2,325 | -26% |
| Jasper | $2,271 | -28% |
| Jeddo | $2,506 | -20% |
| Jenison | $2,233 | -29% |
| Jerome | $2,522 | -20% |
| Johannesburg | $2,317 | -26% |
| Jones | $2,413 | -23% |
| Jonesville | $2,406 | -24% |
| K. I. Sawyer | $2,224 | -29% |
| Kalamazoo | $2,323 | -26% |
| Kaleva | $2,506 | -20% |
| Kalkaska | $2,398 | -24% |
| Kearsarge | $2,273 | -28% |
| Keego Harbor | $3,178 | 1% |
| Kendall | $2,403 | -24% |
| Kent City | $2,493 | -21% |
| Kentwood | $2,440 | -23% |
| Kewadin | $2,280 | -28% |
| Kincheloe | $2,263 | -28% |
| Kinde | $2,455 | -22% |
| Kingsford | $2,250 | -29% |
| Kingsley | $2,416 | -23% |
| L'Anse | $2,349 | -25% |
| Lachine | $2,370 | -25% |
| Lacota | $2,414 | -23% |
| Laingsburg | $2,510 | -20% |
| Lake | $2,630 | -17% |
| Lake Angelus | $2,937 | -7% |
| Lake Ann | $2,314 | -27% |
| Lake City | $2,460 | -22% |
| Lake Fenton | $2,480 | -21% |
| Lake George | $2,535 | -20% |
| Lake Isabella | $2,547 | -19% |
| Lake Leelanau | $2,296 | -27% |
| Lake Linden | $2,252 | -29% |
| Lake Michigan Beach | $2,159 | -31% |
| Lake Odessa | $2,553 | -19% |
| Lake Orion | $2,597 | -18% |
| Lakeland | $2,401 | -24% |
| Lakes of the North | $2,341 | -26% |
| Lakeside | $2,237 | -29% |
| Lakeview | $2,725 | -14% |
| Lakeville | $2,696 | -14% |
| Lakewood Club | $2,288 | -27% |
| Lambertville | $2,559 | -19% |
| Lamont | $2,253 | -28% |
| Lansing | $2,502 | -21% |
| Lapeer | $2,455 | -22% |
| Lathrup Village | $5,399 | 71% |
| Laurium | $2,258 | -28% |
| Lawrence | $2,483 | -21% |
| Lawton | $2,392 | -24% |
| Lennon | $2,454 | -22% |
| Leonard | $2,766 | -12% |
| Leroy | $2,660 | -16% |
| Leslie | $2,475 | -21% |
| Level Park-Oak Park | $2,485 | -21% |
| Levering | $2,238 | -29% |
| Lewiston | $2,340 | -26% |
| Lexington | $2,570 | -18% |
| Limestone | $2,368 | -25% |
| Lincoln | $2,542 | -19% |
| Lincoln Park | $4,065 | 29% |
| Linden | $2,517 | -20% |
| Linwood | $2,309 | -27% |
| Litchfield | $2,436 | -23% |
| Little Lake | $2,239 | -29% |
| Livonia | $2,856 | -9% |
| Long Lake | $2,392 | -24% |
| Loomis | $2,416 | -23% |
| Loretto | $2,340 | -26% |
| Lowell | $2,394 | -24% |
| Ludington | $2,488 | -21% |
| Luna Pier | $2,577 | -18% |
| Lupton | $2,499 | -21% |
| Luther | $2,727 | -13% |
| Luzerne | $2,446 | -22% |
| Macatawa | $2,202 | -30% |
| Mackinac Island | $2,095 | -34% |
| Mackinaw City | $2,268 | -28% |
| Madison Heights | $3,558 | 13% |
| Mancelona | $2,369 | -25% |
| Manchester | $2,434 | -23% |
| Manistee | $2,463 | -22% |
| Manistee Lake | $2,365 | -25% |
| Manistique | $2,362 | -25% |
| Manitou Beach-Devils Lake | $2,343 | -26% |
| Manton | $2,455 | -22% |
| Maple City | $2,296 | -27% |
| Maple Rapids | $2,317 | -26% |
| Marcellus | $2,396 | -24% |
| Marine City | $2,525 | -20% |
| Marlette | $2,670 | -15% |
| Marne | $2,302 | -27% |
| Marquette | $2,126 | -33% |
| Marshall | $2,340 | -26% |
| Marysville | $2,312 | -27% |
| Mason | $2,302 | -27% |
| Mass City | $2,455 | -22% |
| Mattawan | $2,357 | -25% |
| Maybee | $2,539 | -19% |
| Mayville | $2,657 | -16% |
| McBain | $2,481 | -21% |
| McBride | $2,625 | -17% |
| McMillan | $2,337 | -26% |
| Mcbrides | $2,625 | -17% |
| Mears | $2,446 | -22% |
| Mecosta | $2,737 | -13% |
| Melvin | $2,674 | -15% |
| Melvindale | $5,262 | 67% |
| Memphis | $2,571 | -18% |
| Mendon | $2,264 | -28% |
| Menominee | $2,271 | -28% |
| Merrill | $2,389 | -24% |
| Merritt | $2,532 | -20% |
| Mesick | $2,581 | -18% |
| Metamora | $2,475 | -21% |
| Michigamme | $2,223 | -29% |
| Michigan Center | $2,337 | -26% |
| Middleton | $2,460 | -22% |
| Middletown | $2,417 | -23% |
| Middleville | $2,456 | -22% |
| Midland | $2,178 | -31% |
| Mikado | $2,515 | -20% |
| Milan | $2,321 | -26% |
| Milford | $2,602 | -17% |
| Millersburg | $2,376 | -25% |
| Millington | $2,615 | -17% |
| Minden City | $2,640 | -16% |
| Mio | $2,444 | -22% |
| Mohawk | $2,364 | -25% |
| Moline | $2,329 | -26% |
| Monroe | $2,558 | -19% |
| Montague | $2,240 | -29% |
| Montgomery | $2,383 | -24% |
| Montrose | $2,494 | -21% |
| Moran | $2,180 | -31% |
| Morenci | $2,273 | -28% |
| Morley | $2,628 | -17% |
| Morrice | $2,472 | -22% |
| Mosherville | $2,442 | -23% |
| Mount Clemens | $3,826 | 21% |
| Mount Morris | $3,799 | 21% |
| Mount Pleasant | $2,344 | -26% |
| Muir | $2,570 | -18% |
| Mullett Lake | $2,313 | -27% |
| Mulliken | $2,462 | -22% |
| Munger | $2,266 | -28% |
| Munising | $2,330 | -26% |
| Munith | $2,486 | -21% |
| Muskegon | $2,407 | -24% |
| Muskegon Heights | $2,431 | -23% |
| Nadeau | $2,451 | -22% |
| Napoleon | $2,370 | -25% |
| Nashville | $2,433 | -23% |
| National City | $2,409 | -24% |
| National Mine | $2,229 | -29% |
| Naubinway | $2,239 | -29% |
| Nazareth | $2,335 | -26% |
| Negaunee | $2,133 | -32% |
| New Baltimore | $3,616 | 15% |
| New Boston | $3,104 | -1% |
| New Buffalo | $2,291 | -27% |
| New Era | $2,405 | -24% |
| New Haven | $2,893 | -8% |
| New Hudson | $2,624 | -17% |
| New Lothrop | $2,384 | -24% |
| New Troy | $2,186 | -31% |
| Newaygo | $2,630 | -17% |
| Newberry | $2,298 | -27% |
| Newport | $2,579 | -18% |
| Niles | $2,336 | -26% |
| Nisula | $2,295 | -27% |
| North Adams | $2,424 | -23% |
| North Branch | $2,598 | -18% |
| North Muskegon | $2,296 | -27% |
| North Street | $2,457 | -22% |
| Northport | $2,266 | -28% |
| Northview | $2,356 | -25% |
| Northville | $2,672 | -15% |
| Norton Shores | $2,341 | -26% |
| Norvell | $2,463 | -22% |
| Norway | $2,356 | -25% |
| Novi | $2,802 | -11% |
| Nunica | $2,293 | -27% |
| Oak Hill | $2,479 | -21% |
| Oak Park | $4,668 | 48% |
| Oakley | $2,534 | -20% |
| Oden | $2,292 | -27% |
| Okemos | $2,229 | -29% |
| Old Mission | $2,265 | -28% |
| Olivet | $2,357 | -25% |
| Omena | $2,279 | -28% |
| Omer | $2,494 | -21% |
| Onaway | $2,392 | -24% |
| Onsted | $2,368 | -25% |
| Ontonagon | $2,352 | -25% |
| Orchard Lake Village | $3,048 | -3% |
| Ortonville | $2,698 | -14% |
| Oscoda | $2,436 | -23% |
| Osseo | $2,429 | -23% |
| Ossineke | $2,314 | -27% |
| Otisville | $2,676 | -15% |
| Otsego | $2,249 | -29% |
| Ottawa Lake | $2,483 | -21% |
| Otter Lake | $2,611 | -17% |
| Ovid | $2,365 | -25% |
| Owendale | $2,434 | -23% |
| Owosso | $2,381 | -24% |
| Oxford | $2,576 | -18% |
| Painesdale | $2,238 | -29% |
| Palmer | $2,139 | -32% |
| Palms | $2,615 | -17% |
| Palo | $2,508 | -20% |
| Paradise | $2,284 | -28% |
| Parchment | $2,316 | -27% |
| Paris | $2,587 | -18% |
| Paw Paw | $2,412 | -23% |
| Paw Paw Lake | $2,215 | -30% |
| Pearl Beach | $2,640 | -16% |
| Peck | $2,609 | -17% |
| Pelkie | $2,285 | -27% |
| Pellston | $2,276 | -28% |
| Pentwater | $2,416 | -23% |
| Perkins | $2,495 | -21% |
| Perrinton | $2,419 | -23% |
| Perronville | $2,518 | -20% |
| Perry | $2,508 | -20% |
| Petersburg | $2,550 | -19% |
| Petoskey | $2,240 | -29% |
| Pewamo | $2,516 | -20% |
| Pigeon | $2,418 | -23% |
| Pinckney | $2,402 | -24% |
| Plainwell | $2,297 | -27% |
| Pleasant Lake | $2,486 | -21% |
| Pleasant Ridge | $3,082 | -2% |
| Plymouth | $2,601 | -17% |
| Pointe Aux Pins | $2,162 | -31% |
| Pompeii | $2,364 | -25% |
| Pontiac | $5,034 | 60% |
| Port Hope | $2,554 | -19% |
| Port Huron | $2,441 | -23% |
| Port Sanilac | $2,563 | -19% |
| Portage | $2,130 | -32% |
| Portland | $2,477 | -21% |
| Potterville | $2,244 | -29% |
| Powers | $2,626 | -17% |
| Prescott | $2,474 | -21% |
| Presque Isle Harbor | $2,292 | -27% |
| Prudenville | $2,444 | -22% |
| Pullman | $2,329 | -26% |
| Quinnesec | $2,315 | -27% |
| Ralph | $2,388 | -24% |
| Ramsay | $2,337 | -26% |
| Rapid City | $2,366 | -25% |
| Rapid River | $2,538 | -19% |
| Ravenna | $2,410 | -24% |
| Reed City | $2,669 | -15% |
| Reese | $2,394 | -24% |
| Remus | $2,670 | -15% |
| Rhodes | $2,611 | -17% |
| Richmond | $2,644 | -16% |
| Richville | $2,543 | -19% |
| Riga | $2,260 | -28% |
| River Rouge | $5,657 | 80% |
| Riverdale | $2,528 | -20% |
| Riverview | $4,400 | 40% |
| Rives Junction | $2,508 | -20% |
| Robin Glen-Indiantown | $2,832 | -10% |
| Rochester | $2,611 | -17% |
| Rochester Hills | $2,633 | -16% |
| Rock | $2,527 | -20% |
| Rockford | $2,373 | -25% |
| Rockland | $2,362 | -25% |
| Rockwood | $2,827 | -10% |
| Rodney | $2,690 | -15% |
| Rogers City | $2,303 | -27% |
| Romeo | $2,716 | -14% |
| Romulus | $4,083 | 30% |
| Roosevelt Park | $2,269 | -28% |
| Roscommon | $2,437 | -23% |
| Rose City | $2,513 | -20% |
| Rosebush | $2,383 | -24% |
| Roseville | $3,961 | 26% |
| Rothbury | $2,402 | -24% |
| Royal Oak | $2,916 | -7% |
| Rumely | $2,306 | -27% |
| Ruth | $2,590 | -18% |
| Saginaw | $2,732 | -13% |
| Salem | $2,618 | -17% |
| Saline | $2,229 | -29% |
| Samaria | $2,502 | -21% |
| Sand Creek | $2,314 | -27% |
| Sand Lake | $2,556 | -19% |
| Sandusky | $2,586 | -18% |
| Sanford | $2,332 | -26% |
| Saranac | $2,556 | -19% |
| Sault Ste. Marie | $2,210 | -30% |
| Sawyer | $2,221 | -30% |
| Schoolcraft | $2,204 | -30% |
| Scotts | $2,261 | -28% |
| Scottville | $2,568 | -19% |
| Sears | $2,754 | -13% |
| Sebewaing | $2,480 | -21% |
| Seney | $2,322 | -26% |
| Shaftsburg | $2,442 | -23% |
| Shelby | $2,647 | -16% |
| Shelbyville | $2,359 | -25% |
| Shepherd | $2,332 | -26% |
| Sheridan | $2,634 | -16% |
| Shingleton | $2,312 | -27% |
| Shoreham | $2,042 | -35% |
| Sidnaw | $2,237 | -29% |
| Silverwood | $2,665 | -15% |
| Six Lakes | $2,701 | -14% |
| Skanee | $2,328 | -26% |
| Smiths Creek | $2,525 | -20% |
| Smyrna | $2,603 | -17% |
| Snover | $2,613 | -17% |
| Somerset Center | $2,404 | -24% |
| South Boardman | $2,521 | -20% |
| South Branch | $2,522 | -20% |
| South Gull Lake | $2,308 | -27% |
| South Haven | $2,359 | -25% |
| South Lyon | $2,620 | -17% |
| South Monroe | $2,512 | -20% |
| South Range | $2,229 | -29% |
| South Rockwood | $2,629 | -17% |
| Southfield | $5,541 | 76% |
| Southgate | $3,777 | 20% |
| Spalding | $2,481 | -21% |
| Sparta | $2,346 | -26% |
| Spring Arbor | $2,403 | -24% |
| Spring Lake | $2,173 | -31% |
| Springfield | $2,477 | -21% |
| Springport | $2,603 | -17% |
| Spruce | $2,424 | -23% |
| St. Charles | $2,616 | -17% |
| St. Clair | $2,460 | -22% |
| St. Clair Shores | $3,224 | 2% |
| St. Helen | $2,460 | -22% |
| St. Ignace | $2,141 | -32% |
| St. Johns | $2,265 | -28% |
| St. Joseph | $2,041 | -35% |
| St. Louis | $2,331 | -26% |
| Standish | $2,442 | -22% |
| Stanton | $2,677 | -15% |
| Stanwood | $2,663 | -15% |
| Stephenson | $2,591 | -18% |
| Sterling | $2,507 | -20% |
| Sterling Heights | $3,899 | 24% |
| Stevensville | $2,037 | -35% |
| Stockbridge | $2,602 | -17% |
| Sturgis | $2,308 | -27% |
| Sumner | $2,514 | -20% |
| Swartz Creek | $2,574 | -18% |
| Sylvan Beach | $2,289 | -27% |
| Sylvan Lake | $3,474 | 10% |
| Tawas City | $2,374 | -25% |
| Taylor | $4,007 | 27% |
| Tecumseh | $2,286 | -27% |
| Tekonsha | $2,419 | -23% |
| Temperance | $2,558 | -19% |
| Thompsonville | $2,422 | -23% |
| Three Oaks | $2,289 | -27% |
| Three Rivers | $2,244 | -29% |
| Tipton | $2,303 | -27% |
| Toivola | $2,304 | -27% |
| Topinabee | $2,300 | -27% |
| Tower | $2,484 | -21% |
| Traverse City | $2,269 | -28% |
| Trenary | $2,382 | -24% |
| Trenton | $3,631 | 15% |
| Trout Creek | $2,360 | -25% |
| Trout Lake | $2,280 | -28% |
| Trowbridge Park | $2,133 | -32% |
| Troy | $3,021 | -4% |
| Trufant | $2,693 | -15% |
| Tustin | $2,640 | -16% |
| Twin Lake | $2,323 | -26% |
| Twining | $2,515 | -20% |
| Ubly | $2,486 | -21% |
| Union | $2,474 | -21% |
| Union City | $2,460 | -22% |
| Union Lake | $2,910 | -8% |
| Union Pier | $2,279 | -28% |
| Unionville | $2,513 | -20% |
| University Center | $2,214 | -30% |
| Utica | $3,197 | 1% |
| Vandalia | $2,482 | -21% |
| Vanderbilt | $2,308 | -27% |
| Vandercook Lake | $2,311 | -27% |
| Vassar | $2,461 | -22% |
| Vermontville | $2,408 | -24% |
| Vernon | $2,481 | -21% |
| Vestaburg | $2,617 | -17% |
| Vicksburg | $2,256 | -28% |
| Vulcan | $2,409 | -24% |
| Wacousta | $2,339 | -26% |
| Wakefield | $2,315 | -27% |
| Waldron | $2,431 | -23% |
| Walhalla | $2,556 | -19% |
| Walker | $2,321 | -26% |
| Walkerville | $2,677 | -15% |
| Wallace | $2,370 | -25% |
| Walled Lake | $2,882 | -9% |
| Walloon Lake | $2,309 | -27% |
| Warren | $4,245 | 35% |
| Waters | $2,274 | -28% |
| Watervliet | $2,201 | -30% |
| Watton | $2,305 | -27% |
| Waverly | $2,402 | -24% |
| Wayland | $2,322 | -26% |
| Wayne | $4,710 | 49% |
| Webberville | $2,478 | -21% |
| Weidman | $2,570 | -18% |
| Wells | $2,462 | -22% |
| Wellston | $2,593 | -18% |
| West Branch | $2,463 | -22% |
| West Ishpeming | $2,150 | -32% |
| West Monroe | $2,504 | -21% |
| West Olive | $2,174 | -31% |
| Westland | $3,848 | 22% |
| Weston | $2,304 | -27% |
| Westphalia | $2,255 | -28% |
| Westwood | $2,398 | -24% |
| Wetmore | $2,364 | -25% |
| White Cloud | $2,597 | -18% |
| White Pine | $2,302 | -27% |
| Whitehall | $2,235 | -29% |
| Whitmore Lake | $2,314 | -27% |
| Whittaker | $2,426 | -23% |
| Whittemore | $2,448 | -22% |
| Williamsburg | $2,292 | -27% |
| Williamston | $2,314 | -27% |
| Willis | $2,803 | -11% |
| Wilson | $2,619 | -17% |
| Winn | $2,395 | -24% |
| Wixom | $2,862 | -9% |
| Wolf Lake | $2,374 | -25% |
| Wolverine | $2,440 | -23% |
| Wolverine Lake | $2,714 | -14% |
| Woodhaven | $3,525 | 12% |
| Woodland Beach | $2,571 | -18% |
| Wyandotte | $3,644 | 16% |
| Wyoming | $2,431 | -23% |
| Yale | $2,597 | -18% |
| Ypsilanti | $2,826 | -10% |
| Zeeland | $2,156 | -32% |
Best and worst drivers in Michigan
Also, the state’s younger drivers are far more likely to get a speeding ticket, be in an accident or drive under the influence (DUI) than older drivers, based on our research.
Age groups and ZIP codes with high accident and other incident rates usually pay more for car insurance. Car insurance companies charge them higher rates to offset their higher risk of filing a claim.
Best drivers in Michigan by city
Sterling Heights has the best drivers among Michigan’s biggest cities and suburbs, based on driving incident rates. Driving incidents include speeding citations, accidents and DUIs.
There were just over four driving incidents per 1,000 drivers in Sterling Heights between August 2023 and August 2024, according to our data.
| City/suburb | Incidents per 1,000 drivers |
|---|---|
| Sterling Heights | 4.05 |
| Rochester Hills | 4.84 |
| Macomb Township | 4.85 |
| Pontiac | 4.91 |
| Flint | 5.08 |
Michigan’s best drivers may live in Sterling Heights, but they don’t benefit from it by paying the state’s cheapest car insurance rates. The average cost of car insurance in Sterling Heights is $7,242 a year, which is in the middle of the pack for Michigan cities.
Worst drivers in Michigan by city
Dearborn Heights is home to Michigan’s worst drivers. Nearly 11 drivers out of every 1,000 in this Detroit suburb were part of a driving incident like speeding or an accident over the past year.
| City/suburb | Incidents per 1,000 drivers |
|---|---|
| Dearborn Heights | 10.78 |
| Waterford Township | 10.74 |
| Taylor | 9.84 |
| Dearborn | 9.83 |
| Novi | 9.68 |
Waterford Township has an incident rate that’s almost as high, our data shows.
Drivers in both of these Detroit suburbs pay some of the highest car insurance rates in Michigan, and their high incident rates likely play a key role.
Best and worst drivers by age group
Young drivers in Michigan are involved in many more traffic incidents than older drivers.
Gen Z drivers have the state’s highest incident rate of 36.71. Millennial drivers come in second, with a 17.08 incident rate.
Baby boomers are the best generation of drivers in Michigan. They have the state’s lowest number of traffic incidents at just over 11.5 per 1,000 drivers.
| Generation | Incidents per 1,000 drivers |
|---|---|
| Gen Z | 36.71 |
| Millennial | 17.08 |
| Gen X | 12.88 |
| Baby Boomer | 11.54 |
| Silent Generation | 13.42 |
Best and worst drivers by car brand
Pontiacs are the car make or brand that are least likely to be part of a traffic incident in Michigan. About 9.5 Pontiac drivers out of 1,000 were involved in an incident over the past year.
Saturn comes in second, with an average incident rate of 9.71.
Best drivers by car make
| Make | Incidents per 1,000 drivers |
|---|---|
| Pontiac | 9.44 |
| Saturn | 9.71 |
| Mitsubishi | 11.35 |
| Cadillac | 11.77 |
| Chrysler | 12.73 |
Tesla and Subaru drivers are the most likely to be involved in a traffic incident in Michigan, our data shows. These car brands are each part of 23.4 incidents per 1,000 drivers.
Ram, BMW and Infiniti round out the state’s worst drivers by car make or brand.
Worst drivers by car make
| Make | Incidents per 1,000 drivers |
|---|---|
| Tesla | 23.40 |
| Subaru | 23.40 |
| Ram | 22.05 |
| BMW | 19.70 |
| Infiniti | 18.96 |
Michigan’s minimum car insurance requirements
| Coverage | Required minimum limit |
|---|---|
| Personal injury protection (PIP) | $50,000 to $500,000 |
| Property protection insurance (PPI) | $1 million |
| Bodily injury liability | $50,000 per person $100,000 per accident |
| Property damage liability | $10,000 |
Personal injury protection (PIP), covers injuries to you and your passengers, whether you or the other driver is at fault. It also covers lost wages, essential services during your recovery and funeral expenses for fatal accidents. Most drivers need at least $250,000 in PIP, but you can buy more. Medicare and Medicaid recipients can get lower limits.
Personal protection insurance (PPI), covers damage you cause to other people’s property. It applies to items like buildings, fences and parked vehicles. PPI does not cover vehicles in other situations.
Bodily injury liability covers injuries you cause to other people. It’s formally known as residual bodily injury liability. It pays for expenses that an accident victim’s own PIP does not cover.
Michigan’s no-fault law
Michigan is a no-fault insurance state. If you’re in an accident, your own policy’s PIP covers your medical bills. Your collision and comprehensive, if you have them, cover damage to your own car.
You can only be sued for injuring someone in an accident if their injuries are particularly severe. If you cause an accident, you can also be held liable for up to $1,000 of the other driver’s car repair expenses.
The no-fault rules usually don’t apply to:
- Accidents that happen out of state
- Accidents in Michigan with a driver from out of state
How financial responsibility insurance works in Michigan
You usually need financial responsibility insurance to reinstate your driver’s license after certain offenses. The most common include OWIs and insurance violations.
Most mainstream insurance companies offer financial responsibility insurance, but some won’t. A few insurance companies specialize in financial responsibility insurance.
Once you buy your policy, your insurance company sends a form to the state certifying you have insurance. The certificate is often called an SR-22.
The actual price you pay for financial responsibility insurance will depend largely on your driving record. You’ll pay more after an OWI than you will if you’re caught driving without insurance. But regardless of your record, shopping around for the cheapest rate can save you money.
Frequently asked questions
The average cost of car insurance in Michigan is $263 a month for full coverage. Liability policies cost an average of $133 a month.
Progressive and Auto-Owners have the cheapest car insurance for most Michigan drivers. Progressive has the cheapest full coverage at $$159 a month. Auto-Owners is cheapest for liability at $79 a month.
It depends. Comprehensive coverage isn’t required by law in Michigan. However, you’ll usually have to get it for a car loan or lease, along with collision coverage. Both are also worth having for any car worth more than a few thousand dollars, whether you have a loan or not.