Coverage Watch does not have a financial relationship with any car insurance companies and quote providers. Everything displayed on the site is completely free from bias and based on legitimate data.
Get Cheap Car Insurance in Michigan, ND
We monitor insurance prices, helping the average driver in Michigan save up to 27.8% on car insurance.
The Cheapest Minimum Coverage in Michigan
The chart below shows the cheapest car insurance company in Michigan for a driver with a good record seeking minimum coverage on a mid-grade used vehicle. Values are estimated, and premiums may be lower or higher, but should be in an accurate order for a good driver. In general, drivers with good records will get the best prices through State Farm, followed by Midvale Home & Auto, American Family Insurance, and Auto-Owners Insurance.
| Michigan Insurer | Monthly Cost |
|---|---|
| State Farm | $33 |
| Midvale Home & Auto | $33 |
| American Family Insurance | $34 |
| Auto-Owners Insurance | $37 |
Savings for Every Kind of Michigan Driver
Based on our extensive insurance data, we know the average Michigan driver will save about 28% on car insurance. This isn’t marketing: this is unbiased data with no financial influence. The best auto insurance company depends on factors such as your driving record, home location, credit score, marital status, and age. The average driver will find themselves saving $395 per year by choosing the right vehicle insurance company. Some Michigan residents are paying out over $1,423 extra every year for auto insurance in Michigan. That cost may be even higher if you haven’t requested a new quote as your life situation changed.
Situation |
Michigan, ND Savings / Yr. |
|---|---|
$395 |
|
$519 |
|
$364 |
|
$471 |
|
$1,127 |
|
$362 |
|
$444 |
Michigan Car Insurance vs. North Dakota
People living in Michigan pay an average of 0.01% less than the typical driver in the state. The average driver in Michigan can expect to pay about $493 per year, or $1,423 for full coverage.
Based on our analysis, MetLife will be the cheapest provider in Michigan for most people.
Car Insurance Prices by Michigan Neighborhood
Insurance Prices
Where is insurance cheapest within Michigan?
The map shows insurance prices in and around Michigan, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $26 per year within the city boundaries, with insurance premiums ranging from a high of $1,432 to a low of $1,406. Insurance prices tend to be higher for those living in the Southwest area, and lower for those with homes in the Northeast parts of Michigan.Pick the Best Car Insurance Company for You in Michigan
The best car insurance provider for most drivers in Michigan
For drivers with clean driving records and no major strikes, MetLife is the best option, with annual savings of $395 over the average Michigan car insurance company.
The best car insurance provider for Michigan drivers with accidents on their records
In our analysis, State Farm saved the average person who had been in an accident the most, with annual savings averaging $519 over the competition.
The best car insurance company for Michigan drivers with speeding tickets
>State Farm gave the average person with a speeding ticket the most savings, averaging $364 better than other car insurance companies.
The best auto insurance for Michigan drivers with a DUI conviction
Getting a quote from Grinnell Mutual may cost the average person with a DUI about $471 less each year.
The least expensive car insurance company for new and young drivers in Michigan
In Michigan, State Farm costs young drivers $1,127 less each year versus the average auto insurance bill.
The best marriage discounts for vehicle insurance in Michigan
State Farm gave the largest car insurance discounts to married couples, averaging $362 saved each year compared to an average Michigan couple's premiums.
The cheapest car insurance in Michigan for drivers with bad credit
The best Michigan car insurance company for customer service
Recent price drops
In 2020, at the peak of the global pandemic, {{top1_2020pricedrop_company}} changed their average price {{top1_2020pricedrop_company_percentage}}% in Michigan, which was better than other insurers.
The cheapest large national provider in Michigan
For customers who prefer to work with large national providers, we recommend State Farm for pricing. The average Michigan driver can expect to pay about $91 per month.
What About USAA?
JD power consistently ranks USAA as the top car insurance company in the United States. We don’t compare their rates because most people can’t sign up. USAA only allows active military members and their spouses and children to apply. In Michigan, USAA has the best prices for drivers with a DUI conviction, married couples, good drivers, drivers with accidents, drivers with speeding tickets, drivers with bad credit, and young drivers.Auto Insurance Prices in and Around Michigan
What Influences the Cost of Car Insurance in Michigan?
On average, car insurance in Michigan is actually less expensive than the rest of the state. These low prices are no mystery to us. Coverage Watch tracks car insurance costs and uses a complex AI that finds related variables, and has determined car insurance prices in the city are influenced by the following factors:
- The average commute time in Michigan is 27 minutes, which is about the national average for a driver in the state.
- North Dakota state insurance regulations may allow for lower prices.
- An average of 23 to 24 weeks with snow on the ground, which impacts accident rates.
- Marriage rates in Michigan are lower than average in the state, and marriage often results in car insurance discounts.
- Vehicle theft rates in the area are low, with a Vehicle Theft Crime Grade of B+ according to CrimeGrade.org.
- Michigan is one of the most densely populated areas in the state. The city’s density could result in a price increase for drivers.
As a result of these and other factors, the average cost of car insurance in Michigan is $41 per month for minimum coverage and $119 per month for full coverage. Costs vary widely based on your situation, and will likely be lower if you have a clean driving record and follow our insurance company research to find the best car insurance company for you.
Car Insurance in Nearby Cities
- Michigan City: Insurance costs 0.77% less
- Petersburg: Insurance costs 0.77% less
- Mapes: Insurance costs 0.28% less
- Lakota: Insurance costs 0.91% less
- Niagara: Insurance costs 4.01% less
- Whitman: Insurance costs 0.63% less
- Dahlen: Insurance costs 1.05% less
- Mcville: Insurance costs 0.56% more
- Pekin: Insurance costs 0.63% more
- Brocket: Insurance costs 0.35% less
Cities with Similar Populations
- Zion Hill: Insurance costs 38.79% more
- Wittenberg: Insurance costs 24.17% more
- Bentley: Insurance costs 1.55% more
- Belvidere: Insurance costs 9.14% more
- Bellerose Terrace: Insurance costs 112.44% more
- Woolcott: Insurance costs 50.46% more
- Yancey Mills: Insurance costs 18.06% less
- Balch: Insurance costs 20.03% more
- Bakersville: Insurance costs 18.34% more
- Yosemite Junction: Insurance costs 27.34% more