19-05-2025
Best car insurance in Michigan in May 2025
The average car insurance premium in Michigan is $3,100 a year for full coverage and $883 for state-required minimum coverage, according to data from Bankrate.
That's significantly higher than the national average of $2,692 for full coverage and $808 for minimum coverage. But Michigan's no-fault rules require personal injury protection (PIP), which can add to cost.
Thankfully, there are still ways to get the best bang for your buck. Here are CNBC Select's top picks for car insurance in the Great Lakes State. (See our methodology for more on how we made our picks.)
The best way to estimate your costs is to request a quote
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Geico auto coverage is available in all 50 states and the District of Columbia. It offers 16 discounts and a variety of optional add-ons, such as emergency roadside assistance, rental car reimbursement and mechanical breakdown insurance.
Terms apply.
Read our Geico auto insurance review.
Who's this for? Geico has the lowest rates we've found in Michigan, along with dozens of discounts, including a multi-vehicle discount that can lower your bill by up to 25% if you insure more than one car.
Standout benefits: Geico's easy-to-use app lets you do everything from pay your bill to request roadside service.
The best way to estimate your costs is to request a quote.
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Progressive offers an array of riders, including rideshare insurance and a Deductible Savings Bank that deducts $50 from your deductible each policy period you go without a claim.
Terms apply.
Read our Progressive auto insurance review.
Who's this for? If you own a house, boat or other high-value items you need to insure, Progressive's generous bundling discounts can help you save. On average, customers who bundle auto and home policies save more than 20%.
Standout benefits: Progressive's small accident forgiveness benefit keeps your premiums from rising after your first claim of $500 or less. After five years as a Progressive customer with no accidents or violations, your rates won't increase after your first claim of more than $500. You can also purchase additional accident forgiveness at renewal, to be used for one claim per policy term.
The best way to estimate your costs is to request a quote
Yes
The largest auto insurer in the U.S., State Farm has an excellent reputation for customer satisfaction and offers over a dozen discounts, including for safe driving, bundling and good students.
Terms apply.
Read our State Farm auto insurance review.
Who's this for? Teens are the most expensive demographic to insure, but State Farm's lower rates for younger drivers can ease that burden. The brand also has a discount of up to 25% for students with a B or better.
Standout benefits: State Farm's Steer Clear benefit can lower rates by up to 20% for a driver under 25 who completes an approved defensive driving course. The program also helps parents track their teen's driving and provides feedback for improved habits behind the wheel.
The best way to estimate your costs is to request a quote
Yes
Auto-Owners offers affordable premiums with high customer satisfaction ratings. There are 12 different types of discounts available, as well as various other types of insurance besides auto.
Terms apply.
Who's this for? If your new car is totaled or stolen, Auto-Owners' gap coverage will pay the difference between the vehicle's depreciated value and the remaining balance on your auto loan. There's also diminished value coverage, which compensates you for the loss in your vehicle's market value after an accident, even if it's fully repaired.
Standout benefits: Auto-Owners also provides coverage for classic cars, as well as vehicles that have been modified for accessibility.
The best way to estimate your costs is to request a quote
Yes
Nationwide offers near-nationwide availability and personalized services, such as On Your Side® Review, a free annual insurance evaluation to ensure you are adequately protected and are taking advantage of any discounts available to you.
Terms apply.
Who's this for? Nationwide is a great fit for older drivers, with a discount for drivers over 55 who take a driving safety course. If you're a retiree driving less than you used to, the SmartMiles pay-per-mile program can save you hundreds a year.
Standout benefits: Nationwide's add-ons include car key replacement and pet injury protection, which pays up to $1,000 if your pet is hurt in an accident.
Michigan's state laws require drivers to have liability coverage as well as personal injury protection (PIP) and property protection insurance (PPI).
The minimum requirements for liability coverage are:
This is sometimes written as 50/100/10.
For PIP coverage, which pays for medical expenses and things like lost wages, you can choose a limit that ranges from $50,000 to an unlimited amount, though some amounts below $250,000 require drivers to have access to certain eligible healthcare plans.
On top of PIP coverage, the state requires drivers to carry $1 million of PPI coverage, which can pay for damages to non-vehicle property in an accident.
Regardless of your driving history and situation, it's possible to save on car insurance in Michigan. Here are a few ways to lower what you'll pay:
Get quotes from several different insurers and compare them. Not all consider your driving history and situation the same, so you'll want to see which one offers you the best price.
Many insurers offer discounts for those who pay their premium upfront. This could be as much as 12%, according to car insurance comparison site The Zebra.
If you don't drive much, work from home or are retired, a pay-per-mile policy could be a good fit. These policies charge a base rate and then a few cents per mile driven. Nationwide's SmartMiles program is available in Michigan.
Your deductible is the amount you'll pay before your insurance kicks in. According to the Insurance Information Institute, bumping your deductible from $200 to $500 could reduce the cost of collision and comprehensive coverage by as much as 30%.
The average car insurance policy in Michigan costs $3,100 per year for full coverage and $883 per year for state minimum coverage
Michigan's no-fault car insurance laws and a high percentage of uninsured drivers make car insurance in this state expensive.
States with no-fault insurance require drivers to buy personal injury protection, which pays for your medical expenses and lost wages after an accident, regardless of who is found liable. If a collision results in serious injury or death, however, drivers can still sue for pain and suffering.
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At CNBC Select, our mission is to provide our readers with high-quality service journalism and comprehensive consumer advice so they can make informed decisions with their money. Every auto insurance review is based on rigorous reporting by our team of expert writers and editors with extensive knowledge of insurance products. To research the best insurance companies, we compiled over 100 data points on more than a dozen insurance companies. While CNBC Select earns a commission from affiliate partners on many offers and links, we create all our content without input from our commercial team or any outside third parties, and we pride ourselves on our journalistic standards and ethics.
CNBC Select analyzed a dozen insurance companies offering car insurance coverage in Michigan based on cost, coverage, discounts and standout benefits.
We also incorporated customer satisfaction ratings from J.D. Power and the National Association of Insurance Commissioners' complaint index, as well as financial strength ratings from A.M. Best. We also considered cost data from MarketWatch.
We considered CNBC Select audience data when available, such as general demographics and engagement with our content and tools.
Based on these criteria, our selections for the best auto insurance in Michigan are:
