Cheapest Car Insurance Rates for December 2020
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Cheap Auto Insurance in Michigan: Best Companies & Quotes
Best Car Insurance Companies in Michigan
- Auto Owners Insurance
- Farm Bureau
- State Farm
|Auto Owners Insurance||Farm Bureau||Allstate||State Farm||Nationwide||MetLife|
|AM Best Financial Strength Rating||A++||A||A++||A++||A+||A|
|JD Power 2019 Overall Customer Satisfaction score||3/5||N/A||3/5||3/5||2/5||3/5|
|Avg Annual Premium||$2,221||$3,750||$5,992||$4,015||$2,868||$1,159|
|Consumer Reports Reader Score||N/A||90||72||78||N/A||N/A|
|BBB Rating||A+||Not Rated||A+||A+||A+||Not Rated|
Auto Insurance Statistics in Michigan
Michigan’s auto insurance rates have been close to the national average for many years, however in recent years, the rates have begun to take on an upward climb. Drivers looking for affordable car insurance rates in Michigan cities like Flint and Kalamazoo can benefit from learning how the state ranks in the cost of car insurance when compared with other states nationwide.
Top 10 Cheapest Car Insurance Companies in Michigan
|Rank||Company Name||Avg. Annual Premium|
|8||Auto-Owners Insurance Co||$1,975|
Drunk Driving Fatalities
After an increase in reported drunk driving fatalities in Michigan in 2011, the state has exhibited a fluctuating trend in relation to the number of reported drunk driving accidents. Finding out about the rate of drunk driving fatalities in Michigan can provide insight into the level of risk drivers face. The National Highway Traffic Safety Administration has done a tally of the number of drunk driving fatalities in Michigan vs. nationwide.
Drunk driving fatalities in Michigan from 2013 to 2017
Teen Drinking and Driving
Teen drinking and driving in Michigan is more than in other states across the country. The below statistics represent the percentage of drivers in Michigan who are teenagers and are drinking and driving when compared with national averages.
Teen Drinking & Driving in Michigan vs. Nationwide (2017)
Source: Center For Disease Control
SR-22 Insurance in Michigan
If your license has been taken away in Michigan, you will need to provide formal evidence that you are properly insured if you want your license to be reinstated. In Michigan, you will need an SR-22 form to reinstate your license. This is a form that is submitted directly to the Michigan DMV. Your insurance provider will notify the DMV if you cancel the policy — this provides assurances to the DMV that you are covered.
Keep in mind that an SR-22 in Michigan doesn’t cover everything — if you are under the influence of drugs or alcohol, your insurance policy will most likely be void. It’s still your responsibility to follow the law after you have your license reinstated.
Car Theft in Michigan
Learning about the levels of car theft in Michigan offers insight into how often vehicular theft takes place. The rate of car theft appears to have spiked in 2012 and has since then exhibited a downward trend.
Vehicle thefts by rank Nationwide vs. Louisiana
Uninsured Motorists in Michigan
When drivers operate motor vehicles without any insurance coverage, they are considered uninsured motorists. If you get into an accident with an uninsured driver, you will have to pay the upfront costs for car repairs and even medical bills. This is why it is recommended to have uninsured and underinsured motorist coverage. The below data shows how well Michigan ranks in the total number of reported uninsured motorists in the state in the year 2015.
Percentage of uninsured drivers (Top States in 2015)
Source: Insurance Information Institute
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 car insurance companies for each of Michigan’s five biggest cities:
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
- Hastings Mutual
- 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:
- Hastings Mutual
- Pioneer State Mutual
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
- Hastings Mutual
- Pioneer State Mutual
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:
- Hastings Mutual
- 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:
- Hastings Mutual
- Pioneer State Mutual
- Auto Owners
Types of Auto Insurance Coverage in Michigan:
- Comprehensive Insurance Coverage
- Bodily Injury Liability Insurance
- Property Damage Liability Insurance
- Uninsured/Underinsured Motorist Bodily Injury Insurance
- Uninsured Motorist Property Damage Insurance
Minimum Requirements For Car Insurance in Michigan
There are minimum requirements for car insurance in the state of Michigan. According to The Michigan Department of Insurance, it is mandatory to have no-fault automobile insurance for every registered driver who is operating a vehicle in the state.
Liability Coverage Minimums For the State of Michigan:
$10,000 for property damage
$20,000 per individual to cover bodily injury or death
$40,000 per accident involving bodily injuries or deaths
If a driver neglects to maintain proper insurance, this can result in vehicle fines and even potential vehicle impounds.
Cheap Auto Insurance Discounts
Car insurance discounts are available to drivers in the state of Michigan, however, it’s important to know which discounts to ask for when getting car insurance quotes online. Although the auto insurance companies make these discounts available, they usually don’t advertise them. We want you to save as much as possible on your auto insurance rates so we offer a list of common auto insurance discounts you can obtain from your auto insurance provider.
- Anti-theft discount
- Mature driver discount
- Military or Veteran discount
- Bundling insurance policies discount
- Senior citizen discount
- Car safety features discount
- Good student discount
- Defensive driving discount
- Low-mileage discount
- Multi-car auto insurance discount
- Infrequent usage discount
Everything about Auto Insurance Rates
All inquiries about rates including actual prices, how they are determined, what affect them, and more are discussed here.
How are car insurance rates determined in Michigan?
Of the many factors that come in to play, these include your age, driving experience, driving record, your home address, the type of car you use, and your coverage.
Who has the cheapest car insurance in Michigan?
Latest data shows MetLife as the cheapest in the state, but this may vary from location to location. See who offers the cheapest car insurance in the country.
How much is car insurance in Michigan?
In Michigan, you can expect your annual rates to come $2,239, much higher than the national average. Learn more: How much should I pay for car insurance?
How much is a PLPD insurance in Michigan?
Why is car insurance so expensive in Michigan?
Aside from higher than average claims and car thefts, Michigan law doesn’t put a cap on personal injury protection. Look for no money down car insurance policies which will at least save you money upfront.
What is happening to Michigan auto insurance rates?
How much is car insurance for a teenager in Michigan?
In the state, a 100/300/100 coverage on a 2017 Honda Accord with a $500 deductible will cost as much as $14,500. Cheap auto insurance for teen drivers is best found by comparing multiple rate quotes online.
How do I get cheap car insurance in Michigan?
As far as cheap goes, this is relative and you’ll have to compare options to find the lowest. However, there are ways that you can avail of insurance discounts. We make it simple to buy auto insurance online instantly when you’re ready though.
How much does full coverage car insurance cost in Michigan?
According to recent data, your full coverage insurance will average at $2,484. Get a quote through our site to compare the best full coverage car insurance.
What city in Michigan has the cheapest auto insurance?
From sample quotes obtained by ValuePenguin, Orion and Protage tie up as the cheapest city for auto insurance. Read more: What is the average cost of car insurance?
How do credit scores effect auto insurance rates in Michigan?
How do I lower my car insurance in Michigan?
Increasing your credit score would be a great help. If you’re strapped on cash, you can also lower your coverage at least until you get back on your feet. Just compare car insurance online to find lower rate, perhaps with a different company.
In Michigan, does your auto insurance cost go down when your car loan is paid off?
How much higher in auto insurance in Michigan after speeding ticket?
Who has the best car insurance rates for a male senior citizen in Michigan?
How much would a high risk car insurance cost in Michigan?
Normally there are three categories – speeding violation, DUI + accident, and young driver. As a high-risk driver your rates can go as high as $12,000 or even $13,000. There are a number of high risk car insurance companies that will be willing to work with you though.
How much will car insurance go up moving from Indiana to Michigan?
Your car insurance rate will more than double once you move. Indiana is on the cheaper side on insurance rates while Michigan is one of the most expensive in the country. This will probably be especially true for Indiana sr22 insurance. You may be able to save some money by going with a local company and you can find those by simply searching affordable car insurance near me.
Why do my car insurance rates keep going up in Michigan?
It is not you or just you. As early as March 2018, there have been confirmed news stories of increases. However there are discounts available still. For example you can get a car insurance military discount if you are a veteran.
Approximately how much do you need for a Michigan car insurance down payment?
Just like how costs vary from one company to another, so does the required down payment. It will depend on how lenient the company is as well as your stature with them. Read more: How Much Should I Insure My Car For?
At what age does your car insurance go down in Michigan?
Once you reach your 20s, your rates will start to go down as you are no longer classified as a high-risk driver. Related: Can I switch car insurance at any time?
How much is basic auto insurance per month in Michigan?
In Michigan, how much will two at fault accidents raise car insurance?
How much more is motorcycle insurance than car?
Motorcycle insurance is usually cheaper than car insurance by a lot. Type your information into a motorcycle insurance calculator and compare it to the typical car insurance rates.
Basic Information on Michigan’s Auto Insurance
To truly understand car insurance in this state, you must know the basics first.
Which auto insurance coverage are the minimum mandatory in Michigan?
Michigan requires your minimum liability coverage to be at $20,000 per person up to $40,000 per accident for bodily injury and $10,000 for property damage. It is possible to find cheap liability only car insurance and keep your costs low.
What documents are needed for car insurance in Michigan?
Your driver’s license and vehicle registration would be required when you try to get insurance. You can also bring a voided check in case you want to buy upfront. Some have wondered if no driver license insurance is an option and we discuss this in another article.
How does no fault car insurance work in Michigan?
A no fault insurance assigns the payment responsibility to you regardless of who is at fault. In Michigan, every household member can be covered by the same policy.
What is a full coverage auto insurance in Michigan?
In Michigan, a 100/300/100 coverage is already considered “full.”
Where do I find the medical care portion on my auto insurance in Michigan?
It is under Personal Injury Protection. If you want this portion to be tax deductible, ensure that the medical care allotted for your family is itemized separately.
How does car insurance work in Michigan?
It works in the same way as in other states. Injured parties will be covered under their policies and are free to sue for any damage or criminal liability. Learn more about how to find cheap auto insurance.
Why does my new Michigan car insurance policy need my health insurance card?
Since 2010, it has been required by the state to carry a health insurance with your auto insurance. That’s why a portion of your payment goes to that.
What are the no auto insurance laws for motor in Michigan?
Owners of motor vehicles are not required to get the PIP insurance, but instead are required a PLPD (personal liability and property damage insurance).
What happens when you get an after the fact car insurance in Michigan?
If you have been in an accident already and did not have an insurance, getting one after the fact wouldn’t help at all.
What insurance do you need for a leased car Michigan?
The company can dictate what type of insurance you must carry, whether it’s a comprehensive, collision, or liability insurance.
In Michigan car insurance laws, who has to be listed?
All the members of your household have to be listed but the policy itself can be assigned to only one person.
Understanding the Effect of Accidents
What happens when you get into an accident? Who will be held liable? In this section, we explore these different situations.
In Michigan, if a car is hit by unknown person, how does insurance pay?
Because you’re in a no fault state, your insurance would pay for it. However, you can’t sue for damages because you did identify the driver.
How do I file a car insurance claim in Michigan?
You should report the incident and undergo the necessary procedures (medical or otherwise) to gauge how much should be covered. Then, it is a matter of investigations and negotiations conducted by the insurance adjuster.
As a Michigan car insurance holder, what if I hit another car?
In a no fault state, you may not be required to pay the full amount of the damage. However, it may be in your best interest to do so to avoid potential litigation.
How do I fight back against auto insurance in Michigan?
If you feel the compensation offered to you is unfair, you can always negotiate. Else, you have the right to file a complaint to the Department of Insurance and Financial Services.
In Michigan, if someone borrowed my car and wrecked it, whose insurance pays?
In Michigan, the owner of the car instead of the driver is held liable. So, your insurance will pay for any damage caused.
What happens if the auto liability insurance claim is denied in Michigan?
You don’t get anything. However, you are free to ask them their grounds for denial and try to counter their arguments to overturn the decision.
When your car is totaled by insurance in Michigan, what happens?
You will be given a certain amount based on the perceived value of your car before the accident instead of money for repairs. Related: What is required for insuring a car with a rebuilt title?
Is there any situation where my car insurance deductible is waived in Michigan?
Yes. If you get into an accident and you’re determined to be bot at fault, your deductible is automatically waived.
With Michigan’s no fault car insurance, how do I get money for my car if the other person was a fault?
No fault only means that both parties get something from the insurance company regardless of who’s at fault. Still, you may sue him for negligence and pain and suffering damages to get compensation.
How long does a DUI stay on your car insurance in Michigan?
Depending on the damage your DUI caused, it can stay there for as long as 10 years. Learn about how to lower your sr22 insurance cost by comparing quotes from different companies.
No Insurance Issues and Getting One
What if you don’t have insurance at all? Find out your potential options here.
What do we do if we have no car insurance in Michigan?
You should get one immediately. If the budget only permits the minimum, stick to that. Talk to companies that offer same day auto insurance if you need to drive today.
How long can I go without car insurance in Michigan?
Legally, you can’t. All vehicles require a PIP no fault insurance to be driven. You can either work with local car insurance agencies or get some coverage online quickly.
In Michigan, what car insurance should I have?
Depending on your vehicle, you may be required a PIP or a PLPD insurance. Aside from that, the only consideration there would be is your budget. For a liability only car insurance quote fill out the form above.
How long does a parent have to keep their child on their car insurance in Michigan?
You can actually keep them as an additional driver for as long as the child lives in the same address. The only difference would be he wouldn’t be classified as a teen driver anymore after a few years.
Despite little relevance to getting an auto insurance, you may still have certain questions including eliminating no fault insurance and the likes. Below, you will find the answer.
How many years does a claim stay on your car insurance in Michigan?
It stays only as long as the accident stays. So, for minor accidents, it’s three years. For graver ones, it can last up to 10 years.
Which Michigan candidate is saying he will eliminate the no fault car insurance?
While the different candidates have different proposals, only Patrick Colbeck advocated scrapping the no fault system altogether.