Michigan's City With The Cheapest Auto Insurance

Michigan has some of the most expensive car insurance rates in the US. The average cost of full coverage auto insurance in Michigan is $386 per month. However, the cheapest car insurance in Michigan is offered by Geico, at $2,131 per year for full coverage and from USAA at $560 per year for a minimum-liability policy.

For drivers with a DUI on their record, USAA and Progressive offer the cheapest average rates. For drivers with a speeding ticket, Progressive tends to offer the cheapest coverage. For drivers with an at-fault accident on their record, Auto-Owners Insurance offers the cheapest average rates.

Cheapest car insurance for teens in Michigan

Car insurance rates for teens in Michigan are among the highest in the country. The average cost of car insurance for a 16-year-old in Michigan is $7,429 per year, or $619 per month. For an 18-year-old, the average cost is slightly lower at $4,725 per year, or $394 per month.

Cheapest Car Insurance Companies for Teens in Michigan

The cheapest car insurance companies for teens in Michigan are:

• Auto-Owners Insurance
• Automobile Club Michigan
• Michigan Farm Bureau Insurance
• Frankenmuth Insurance

Factors Affecting Car Insurance Rates for Teens in Michigan

There are several factors that affect car insurance rates for teens in Michigan, including:

• Age: Car insurance rates for teens in Michigan decrease as they get older, with the lowest rates offered to 19-year-olds.
• Gender: In Michigan, auto insurers are prohibited from using gender as a rating factor.
• Driving record: A clean driving record can help teens get lower car insurance rates.
• Credit score: A good credit score can also help teens get lower car insurance rates.
• Type of car: The type of car teens drive can also affect their insurance rates. Sports cars and luxury cars tend to be more expensive to insure than standard vehicles.

Ways to Save on Car Insurance for Teens in Michigan

There are several ways that teens in Michigan can save on car insurance, including:

• Good student discounts: Many insurance companies offer discounts for teens who maintain good grades, usually a B average or higher.
• Driver's education discounts: Some insurance companies offer discounts for teens who complete a driver's education course.
• Distant student discounts: Teens who go away to college and don't drive their car regularly may be eligible for a discount.
• Family plans: Adding a teen to a parent's insurance plan is typically much cheaper than purchasing a separate policy for the teen.
• Comparison shopping: Comparing quotes from multiple insurance companies can help teens find the lowest rates.

Cheapest car insurance for seniors in Michigan

For senior drivers in Michigan, USAA provides the cheapest car insurance rate at about $1,254 per year, or $105 per month, according to a CarInsurance.com rate analysis. The company also offers the cheapest car insurance for seniors in Michigan across various age groups:

• Cheapest for seniors at age 60: USAA, $100 per month.
• Cheapest for seniors at age 65: USAA, $101 per month.
• Cheapest for seniors at age 70: USAA, $105 per month.
• Cheapest for seniors at age 75: USAA, $111 per month.

However, USAA insurance is only available to military members, veterans, and their families. For those who do not qualify for USAA insurance, other options for cheap car insurance in Michigan include:

• Auto-Owners Insurance
• Automobile Club Michigan (AAA)
• Progressive
• Geico

Auto insurance rates for senior drivers in Michigan start to increase around age 65. According to 2022 CarInsurance.com data, 70-year-old drivers pay 11% more than 60-year-old drivers, and 75-year-old drivers pay 22% more for a full coverage policy. Senior drivers can save on car insurance premiums by shopping around, raising their deductible, asking about discounts, and taking a senior driving course.

Cheapest car insurance for military members in Michigan

Michigan has some of the most expensive car insurance rates in the US, but military members can still find good deals.

USAA

USAA is the best choice for military members, veterans and their families. It offers the cheapest minimum-liability car insurance coverage in the Wolverine State at $560 per year or $47 per month. USAA has more than 13 discounts for car insurance in Michigan, including safe driver, good student, new vehicle and military installation discounts.

Geico

Geico offers a discount of up to 15% for retired or active-duty military members. It also has tools through its Military Deployment Center that can assist you and your family when you’re preparing for deployment.

Progressive

Progressive is another option for military members. It offers a range of insurance discounts, including a usage-based program called Snapshot®, which rewards good driving with reduced rates.

Auto-Owners Insurance

Auto-Owners Insurance offers a teen driver monitoring discount. This program uses a GPS or smartphone app to track your teen’s driving habits and reward good driving habits with rate discounts.

Cheapest car insurance for drivers with a DUI in Michigan

Michigan has some of the most expensive car insurance rates in the US, and a DUI conviction will cause your insurance costs to skyrocket. A DUI conviction will stay on your record for seven years or more, and you will be considered a high-risk driver. You may even be dropped by your insurance company, as they are not required by law to cover high-risk drivers.

If you have a DUI in Michigan, the cheapest car insurance option is a minimum coverage policy. Minimum coverage policies meet all the requirements set by Michigan car insurance laws. However, the limits set by the state may not necessarily offer sufficient protection, so it is important to figure out how much car insurance coverage you need before choosing a minimum coverage policy.

The cheapest widely available option for full coverage in Michigan is Progressive, with an average rate of $3,071 per year. The cheapest for minimum coverage is Nationwide, at $943 per year. If you have a military background, you may qualify for USAA, which is the cheapest option overall, at an average of $1,911 per year.

Auto-Owners Insurance is the best car insurance for someone with a DUI in Michigan for both full coverage and minimum coverage policies.

| | Full Coverage | Minimum Coverage |

|---|---|

| Progressive | $3,071 per year | $2,197 per year |

| Nationwide | $3,285 per year | $943 per year |

| USAA | $1,911 per year | $1,137 per year |

| Auto-Owners Insurance | $5,269 per year | $3,332 per year |

Cheapest car insurance for drivers with a speeding ticket in Michigan

Michigan is a no-fault state, which means that your insurance company will pay for your medical bills after an accident, regardless of who caused it. However, this doesn't mean that the at-fault driver is off the hook, as they will still have to pay for the damage they caused to your vehicle or other property.

The cost of car insurance in Michigan is higher than the national average, and a speeding ticket will only increase your insurance premium. The increase will depend on the insurance company, but on average, Michigan drivers may see their annual insurance costs go up by roughly 20% after being ticketed for speeding.

If you have a speeding ticket on your record, you may want to consider switching to a more regional insurance provider or one that specializes in high-risk auto insurance. Here are some of the cheapest car insurance providers for Michigan drivers with a speeding ticket to consider:

• Auto-Owners
• Progressive
• Hastings Mutual
• Wolverine Mutual
• Pioneer State

To get cheaper car insurance in Michigan, you can also try the following strategies:

• Take a defensive driving course: You may be able to get lower auto insurance rates by taking a defensive driving course. Ask your insurance agent what discounts are available.
• Take the Basic Driver Improvement Course (BDIC): If you receive a letter saying you’re eligible, taking a BDIC will prevent the state from adding points to your driving record and sending the ticket information to your insurance company.
• Get minimum coverage: Michigan’s minimum coverage is the cheapest option, although it’s still pretty extensive compared to other states.
• Opt out of Personal Injury Protection (PIP): Senior drivers in Michigan can opt out of PIP and save money if they have a named insured under Medicare Parts A or B, or any household members under Medicare Part C, another Michigan insurance policy, or any other qualifying health insurance.
• Join the high-risk pool: If you can't find high-risk car insurance in Michigan, you can join the Michigan Automobile Insurance Placement Facility as a last resort.

Frequently asked questions