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Finding cheap auto insurance in Michigan can seem like a misnomer at times. That’s because it has some of the highest rates in the entire country. The average driver in Michigan pays well over $3,000 annually to insure their vehicle. What does all that money get you? According to the state’s Department of Insurance and Financial Services:

  • 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 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