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What's the Cheapest Car Insurance in Michigan

Written By Monday, December 6, 2021 Add Comment Edit

Cheapest car insurance in Michigan: Auto-Owners

Auto-Owners offers the cheapest minimum-coverage auto insurance in Michigan. The company's average annual rate is $1,282 per year, or $107 per month — 71% less than the state average.

The average cost of car insurance in Michigan is $4,386 per year, or $366 per month, for minimum liability.

Cheapest car insurance companies in Michigan

Find Cheap Auto Insurance Quotes in Michigan

Active-duty members of the military, veterans and their families can take take advantage of even cheaper auto insurance rates from USAA. USAA's minimum-coverage policy is $1,122 per year, $160 less than Auto-Owners.

USAA is only available to current and former military members and their families.

Purchasing minimum coverage is the most affordable insurance option in Michigan. Minimum-coverage insurance is $2,775 cheaper than full coverage, on average.

However, unlike a full-coverage car insurance policy, minimum liability doesn't include comprehensive and collision coverages, meaning it won't pay for damage to your own car.

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{"backgroundColor":"white","content":"\u003C\/p\u003E\n\n\u003Ch2 id=\"cheapest-companies\"\u003ECheapest car insurance in Michigan: Auto-Owners\u003C\/h2\u003E\n\n\u003Cp\u003E\u003Cstrong\u003EAuto-Owners\u003C\/strong\u003E offers the cheapest minimum-coverage auto insurance in Michigan. The company\u2019s average annual rate is $1,282 per year, or $107 per month \u2014 71% less than the state average.\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ShortcodePullquote--root\"\u003E\n \u003Cp class=\"ShortcodePullquote--text ShortcodePullquote--blue\"\u003E\n The average cost of car insurance in Michigan is $4,386 per year, or $366 per month, for minimum liability.\n \u003C\/p\u003E\n\u003C\/div\u003E\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ShortcodeImageResponsive--root\"\u003E\n \u003Cfigure class=\"ShortcodeImage--root\"\u003E\n \u003Cpicture class=\"ShortcodeImage--picture\"\u003E\n \u003Csource\n media=\"(max-width: 607.5px)\"\n data-srcset=\"http:\/\/res.cloudinary.com\/value-penguin\/image\/upload\/c_limit,dpr_1.0,f_auto,h_1600,q_auto,w_1600\/v1\/auto-insurance\/2022-data-update\/Michigan-2-mobile.jpg 1x, http:\/\/res.cloudinary.com\/value-penguin\/image\/upload\/c_limit,dpr_2.0,f_auto,h_1600,q_auto,w_1600\/v1\/auto-insurance\/2022-data-update\/Michigan-2-mobile.jpg 2x\"\n\/\u003E\n \u003Cimg alt=\"Cheapest car insurance companies in Michigan\" class=\"lazyload\" data-src=\"http:\/\/res.cloudinary.com\/value-penguin\/image\/upload\/c_limit,dpr_1.0,f_auto,h_1600,q_auto,w_1600\/v1\/auto-insurance\/2022-data-update\/Michigan-2-desktop.jpg\" src=\"http:\/\/res.cloudinary.com\/value-penguin\/image\/upload\/c_limit,dpr_2.0,e_blur:1000,f_auto,h_1600,q_1,w_1600\/v1\/auto-insurance\/2022-data-update\/Michigan-2-desktop.jpg\" data-srcset=\"http:\/\/res.cloudinary.com\/value-penguin\/image\/upload\/c_limit,dpr_1.0,f_auto,h_1600,q_auto,w_1600\/v1\/auto-insurance\/2022-data-update\/Michigan-2-desktop.jpg 1x, http:\/\/res.cloudinary.com\/value-penguin\/image\/upload\/c_limit,dpr_2.0,f_auto,h_1600,q_auto,w_1600\/v1\/auto-insurance\/2022-data-update\/Michigan-2-desktop.jpg 2x\"\u003E\n 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Quotes\u003C\/button\u003E\u003C\/div\u003E\u003C\/div\u003E\u003C\/form\u003E\u003C\/div\u003E\u003C\/div\u003E\n \u003C\/div\u003E\n\n \u003Cscript type=\"application\/json\" class=\"js-react-component\" data-component-name=\"QuoteWizardQuoteForm\"\u003E{\"buttonText\":\"MI Quotes\",\"customEventLabel\":\"\",\"defaultProduct\":\"auto\",\"defaultZip\":\"\",\"hideTitle\":false,\"id\":\"QuoteWizardQuoteForm--626\",\"isAgeFieldVisible\":true,\"isDeltyForm\":false,\"isInsuranceTypeFieldVisible\":true,\"isInsuredStatusFieldVisible\":true,\"isZipGeolocated\":false,\"quoteWizardEndpoint\":\"https:\\\/\\\/quotes.valuepenguin.com\",\"showTrustMessage\":false,\"style\":\"\",\"tier\":\"VPT1\",\"title\":\"Find Cheap Auto Insurance Quotes in Michigan\",\"trackingKey\":\"_best-cheap-car-insurance-michigan\",\"trustMessage\":\"It's free, simple and secure.\",\"vendor\":\"vp\"}\u003C\/script\u003E\n\n\u003C\/div\u003E\u003C\/p\u003E\n\n\u003Cp\u003EActive-duty members of the military, veterans and their families can take take advantage of even cheaper auto insurance rates from \u003Cstrong\u003EUSAA\u003C\/strong\u003E. USAA's minimum-coverage policy is $1,122 per year, $160 less than Auto-Owners.\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ReactComponent--root\"\u003E\n \u003Cdiv class=\"js-react-component-rendered js-react-component-SortableTable\" data-component-name=\"SortableTable\"\u003E\n \u003Cdiv class=\"StyledRootWrapper-sc-3qeib4 jYHfZo\"\u003E\u003Cdiv class=\"StyledTableWrapper-sc-5nmmx9 fesmOM\"\u003E\u003Cdiv class=\"StyledTableOverflowWrapper-sc-hixhp9 gVbnK\"\u003E\u003Ctable class=\"StyledTable-sc-ujzn9t jVpJxq\"\u003E\u003Cthead class=\"StyledHeaderRow-sc-1m1b8dn hCELBb\"\u003E\u003Ctr\u003E\u003Cth colSpan=\"1\" width=\"\" class=\"StyledHeaderCell-sc-nsptsd frWuiR\"\u003E\u003Cdiv class=\"StyledColumnHeaderWrapper-sc-12xyb2r gPTwhA\"\u003E\u003Cspan\u003ECompany\u003C\/span\u003E\u003C\/div\u003E\u003C\/th\u003E\u003Cth colSpan=\"1\" width=\"\" class=\"StyledHeaderCell-sc-nsptsd frWuiR\"\u003E\u003Cdiv class=\"StyledColumnHeaderWrapper-sc-12xyb2r glLrYA\"\u003E\u003Cspan\u003EAnnual rate\u003C\/span\u003E\u003C\/div\u003E\u003C\/th\u003E\u003Cth colSpan=\"1\" width=\"\" class=\"StyledHeaderCell-sc-nsptsd frWuiR\"\u003E\u003Cdiv class=\"StyledColumnHeaderWrapper-sc-12xyb2r glLrYA\"\u003E\u003Cspan\u003EMonthly rate\u003C\/span\u003E\u003C\/div\u003E\u003C\/th\u003E\u003C\/tr\u003E\u003C\/thead\u003E\u003Ctbody class=\"StyledBody-sc-14y8oc0 dcdMVT\"\u003E\u003Ctr\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003E\u003Cspan\u003E\u003Ca class=\"ShortcodeLink--root ShortcodeLink--black\" title=\"Auto-Owners auto insurance review\" href=\"https:\/\/www.valuepenguin.com\/auto-owners-insurance-review\"\u003EAuto-Owners\u003C\/a\u003E\u003C\/span\u003E\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E$1,282\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E$107\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003E\u003Cspan\u003E\u003Ca class=\"ShortcodeLink--root ShortcodeLink--black\" title=\"Progressive auto insurance review\" href=\"https:\/\/www.valuepenguin.com\/progressive-insurance-review\"\u003EProgressive\u003C\/a\u003E\u003C\/span\u003E\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E$1,333\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E$111\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003E\u003Cspan\u003E\u003Ca class=\"ShortcodeLink--root ShortcodeLink--black\" title=\"Frankenmuth auto insurance review\" href=\"https:\/\/www.valuepenguin.com\/frankenmuth-insurance-review\"\u003EFrankenmuth\u003C\/a\u003E\u003C\/span\u003E\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E$1,459\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E$122\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003E\u003Cspan\u003E\u003Ca class=\"ShortcodeLink--root ShortcodeLink--black\" title=\"State Farm auto insurance review\" href=\"https:\/\/www.valuepenguin.com\/state-farm-insurance-review\"\u003EState Farm\u003C\/a\u003E\u003C\/span\u003E\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E$2,263\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E$189\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003E\u003Cspan\u003E\u003Ca class=\"ShortcodeLink--root ShortcodeLink--black\" title=\"AAA auto insurance review\" href=\"https:\/\/www.valuepenguin.com\/aaa-insurance-review\"\u003EAAA\u003C\/a\u003E\u003C\/span\u003E\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E$9,632\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E$803\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003E\u003Cspan\u003E\u003Ca class=\"ShortcodeLink--root ShortcodeLink--black\" title=\"Hanover auto insurance review\" href=\"https:\/\/www.valuepenguin.com\/hanover-insurance-review\"\u003EHanover\u003C\/a\u003E\u003C\/span\u003E\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E$13,610\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E$1,134\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003E\u003Cspan\u003E\u003Ca class=\"ShortcodeLink--root ShortcodeLink--black\" title=\"USAA auto insurance review\" href=\"https:\/\/www.valuepenguin.com\/usaa-insurance-review\"\u003EUSAA\u003C\/em\u003E\u003C\/a\u003E\u003C\/span\u003E\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E$1,122\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E$94\u003C\/td\u003E\u003C\/tr\u003E\u003C\/tbody\u003E\u003C\/table\u003E\u003C\/div\u003E\u003C\/div\u003E\u003Cp class=\"SortableTable--footnote\"\u003E\u003Cem\u003EUSAA is only available to current and former military members and their families.\u003C\/p\u003E\u003C\/div\u003E\n \u003C\/div\u003E\n\n \u003Cscript type=\"application\/json\" class=\"js-react-component\" data-component-name=\"SortableTable\"\u003E{\"alignsHorizontal\":[\"left\",\"right\",\"right\"],\"alignsVertical\":[],\"columnWidths\":[],\"data\":[[\"Company\",\"Annual rate\",\"Monthly rate\"],[\"\\u003Cspan\\u003E\\u003Ca class=\\\"ShortcodeLink--root ShortcodeLink--black\\\" title=\\\"Auto-Owners auto insurance review\\\" href=\\\"https:\\\/\\\/www.valuepenguin.com\\\/auto-owners-insurance-review\\\"\\u003EAuto-Owners\\u003C\\\/a\\u003E\\u003C\\\/span\\u003E\",\"$1,282\",\"$107\"],[\"\\u003Cspan\\u003E\\u003Ca class=\\\"ShortcodeLink--root ShortcodeLink--black\\\" title=\\\"Progressive auto insurance review\\\" href=\\\"https:\\\/\\\/www.valuepenguin.com\\\/progressive-insurance-review\\\"\\u003EProgressive\\u003C\\\/a\\u003E\\u003C\\\/span\\u003E\",\"$1,333\",\"$111\"],[\"\\u003Cspan\\u003E\\u003Ca class=\\\"ShortcodeLink--root ShortcodeLink--black\\\" title=\\\"Frankenmuth auto insurance review\\\" href=\\\"https:\\\/\\\/www.valuepenguin.com\\\/frankenmuth-insurance-review\\\"\\u003EFrankenmuth\\u003C\\\/a\\u003E\\u003C\\\/span\\u003E\",\"$1,459\",\"$122\"],[\"\\u003Cspan\\u003E\\u003Ca class=\\\"ShortcodeLink--root ShortcodeLink--black\\\" title=\\\"State Farm auto insurance review\\\" href=\\\"https:\\\/\\\/www.valuepenguin.com\\\/state-farm-insurance-review\\\"\\u003EState Farm\\u003C\\\/a\\u003E\\u003C\\\/span\\u003E\",\"$2,263\",\"$189\"],[\"\\u003Cspan\\u003E\\u003Ca class=\\\"ShortcodeLink--root ShortcodeLink--black\\\" title=\\\"AAA auto insurance review\\\" href=\\\"https:\\\/\\\/www.valuepenguin.com\\\/aaa-insurance-review\\\"\\u003EAAA\\u003C\\\/a\\u003E\\u003C\\\/span\\u003E\",\"$9,632\",\"$803\"],[\"\\u003Cspan\\u003E\\u003Ca class=\\\"ShortcodeLink--root ShortcodeLink--black\\\" title=\\\"Hanover auto insurance review\\\" href=\\\"https:\\\/\\\/www.valuepenguin.com\\\/hanover-insurance-review\\\"\\u003EHanover\\u003C\\\/a\\u003E\\u003C\\\/span\\u003E\",\"$13,610\",\"$1,134\"],[\"\\u003Cspan\\u003E\\u003Ca class=\\\"ShortcodeLink--root ShortcodeLink--black\\\" title=\\\"USAA auto insurance review\\\" href=\\\"https:\\\/\\\/www.valuepenguin.com\\\/usaa-insurance-review\\\"\\u003EUSAA\\u003C\\\/em\\u003E\\u003C\\\/a\\u003E\\u003C\\\/span\\u003E\",\"$1,122\",\"$94\"]],\"footnote\":\"\\u003Cem\\u003EUSAA is only available to current and former military members and their families.\",\"hideHeaderRow\":false,\"hasMarginBottom\":true,\"isExpandable\":true,\"isSortable\":false,\"maxWidth\":\"1215\",\"minWidth\":\"100%\",\"showSearch\":false,\"sortColumnIndex\":0,\"sortDirection\":\"asc\"}\u003C\/script\u003E\n\n\u003C\/div\u003E\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ReactComponent--root\"\u003E\n \u003Cdiv class=\"js-react-component-rendered js-react-component-Panel\" data-component-name=\"Panel\"\u003E\n \u003Cdiv class=\"PanelRoot-sc-1o7qkaw efMzqR\"\u003E\u003Cdiv class=\"Panel--content\"\u003E\u003C\/p\u003E\n\n\u003Cp\u003EPurchasing \u003Cstrong\u003Eminimum coverage\u003C\/strong\u003E is the most affordable insurance option in Michigan. Minimum-coverage insurance is $2,775 cheaper than full coverage, on average.\u003C\/p\u003E\n\n\u003Cp\u003EHowever, unlike a full-coverage car insurance policy, minimum liability doesn't include \u003Cspan\u003E\u003Ca class=\"ShortcodeLink--root ShortcodeLink--black\" title=\"Collision vs. Comprehensive Car Insurance: What Is the Difference?\" href=\"https:\/\/www.valuepenguin.com\/collision-comprehensive-car-insurance\"\u003Ecomprehensive and collision coverages\u003C\/a\u003E\u003C\/span\u003E, meaning it won't pay for damage to your own car.\n\u003C\/div\u003E\u003C\/div\u003E\n \u003C\/div\u003E\n\n\n \u003Cdiv class=\"js-react-component\" data-component-name=\"Panel\"\u003E{\"backgroundColor\":\"ice\",\"content\":\"\\u003C\\\/p\\u003E\\n\\n\\u003Cp\\u003EPurchasing \\u003Cstrong\\u003Eminimum coverage\\u003C\\\/strong\\u003E is the most affordable insurance option in Michigan. Minimum-coverage insurance is $2,775 cheaper than full coverage, on average.\\u003C\\\/p\\u003E\\n\\n\\u003Cp\\u003EHowever, unlike a full-coverage car insurance policy, minimum liability doesn't include \\u003Cspan\\u003E\\u003Ca class=\\\"ShortcodeLink--root ShortcodeLink--black\\\" title=\\\"Collision vs. Comprehensive Car Insurance: What Is the Difference?\\\" href=\\\"https:\\\/\\\/www.valuepenguin.com\\\/collision-comprehensive-car-insurance\\\"\\u003Ecomprehensive and collision coverages\\u003C\\\/a\\u003E\\u003C\\\/span\\u003E, meaning it won't pay for damage to your own car.\\n\",\"padding\":\"double\"}\u003C\/div\u003E\n\u003C\/div\u003E\n","padding":"double"}

Cheapest full-coverage car insurance in Michigan: Progressive

The cheapest full-coverage auto insurance for most drivers in Michigan comes from Progressive. The company charges $2,044 per year on average — 71% cheaper than the statewide average.

The average cost of full-coverage auto insurance in Michigan is $7,161 per year, making it the most expensive state for insurance in the country.

USAA is only available to current and former military members and their families.

Full-coverage policies include liability insurance; collision insurance, which covers your own car in an accident; and comprehensive insurance, which protects your car against weather-related damage, theft and vandalism.

{"backgroundColor":"butter","content":"\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cspan\u003E\u003Ca class=\"ShortcodeLink--root ShortcodeLink--black\" title=\"What is Full Coverage Car Insurance?\" href=\"https:\/\/www.valuepenguin.com\/what-full-coverage-car-insurance\"\u003EFull-coverage policies\u003C\/a\u003E\u003C\/span\u003E include liability insurance; collision insurance, which covers your own car in an accident; and comprehensive insurance, which protects your car against weather-related damage, theft and vandalism. \n","padding":"double"}

{"backgroundColor":"white","content":"\u003C\/p\u003E\n\n\u003Ch2 id=\"full-coverage\"\u003ECheapest full-coverage car insurance in Michigan: Progressive\u003C\/h2\u003E\n\n\u003Cp\u003EThe \u003Cspan\u003E\u003Ca class=\"ShortcodeLink--root ShortcodeLink--black\" title=\"cheapest full-coverage\" href=\"https:\/\/www.valuepenguin.com\/best-cheap-full-coverage-auto-insurance\"\u003Echeapest full-coverage\u003C\/a\u003E\u003C\/span\u003E auto insurance for most drivers in Michigan comes from \u003Cstrong\u003EProgressive\u003C\/strong\u003E. The company charges $2,044 per year on average \u2014 71% cheaper than the statewide average.\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ShortcodePullquote--root\"\u003E\n \u003Cp class=\"ShortcodePullquote--text ShortcodePullquote--blue\"\u003E\n \nThe average cost of full-coverage auto insurance in Michigan is $7,161 per year, making it the most expensive state for insurance in the country.\n\n \u003C\/p\u003E\n\u003C\/div\u003E\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ReactComponent--root\"\u003E\n \u003Cdiv class=\"js-react-component-rendered js-react-component-SortableTable\" data-component-name=\"SortableTable\"\u003E\n \u003Cdiv class=\"StyledRootWrapper-sc-3qeib4 jYHfZo\"\u003E\u003Cdiv class=\"StyledTableWrapper-sc-5nmmx9 fesmOM\"\u003E\u003Cdiv class=\"StyledTableOverflowWrapper-sc-hixhp9 gVbnK\"\u003E\u003Ctable class=\"StyledTable-sc-ujzn9t jVpJxq\"\u003E\u003Cthead class=\"StyledHeaderRow-sc-1m1b8dn hCELBb\"\u003E\u003Ctr\u003E\u003Cth colSpan=\"1\" width=\"\" class=\"StyledHeaderCell-sc-nsptsd frWuiR\"\u003E\u003Cdiv class=\"StyledColumnHeaderWrapper-sc-12xyb2r gPTwhA\"\u003E\u003Cspan\u003ECompany\u003C\/span\u003E\u003C\/div\u003E\u003C\/th\u003E\u003Cth colSpan=\"1\" width=\"\" class=\"StyledHeaderCell-sc-nsptsd frWuiR\"\u003E\u003Cdiv class=\"StyledColumnHeaderWrapper-sc-12xyb2r glLrYA\"\u003E\u003Cspan\u003EAnnual rate\u003C\/span\u003E\u003C\/div\u003E\u003C\/th\u003E\u003Cth colSpan=\"1\" width=\"\" class=\"StyledHeaderCell-sc-nsptsd frWuiR\"\u003E\u003Cdiv class=\"StyledColumnHeaderWrapper-sc-12xyb2r glLrYA\"\u003E\u003Cspan\u003EMonthly rate\u003C\/span\u003E\u003C\/div\u003E\u003C\/th\u003E\u003C\/tr\u003E\u003C\/thead\u003E\u003Ctbody class=\"StyledBody-sc-14y8oc0 dcdMVT\"\u003E\u003Ctr\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003E\u003Cspan\u003E\u003Ca class=\"ShortcodeLink--root ShortcodeLink--black\" title=\"Progressive auto insurance review\" href=\"https:\/\/www.valuepenguin.com\/progressive-insurance-review\"\u003EProgressive\u003C\/a\u003E\u003C\/span\u003E\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E$2,044\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E$170\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003E\u003Cspan\u003E\u003Ca class=\"ShortcodeLink--root ShortcodeLink--black\" title=\"Auto-Owners auto insurance review\" href=\"https:\/\/www.valuepenguin.com\/auto-owners-insurance-review\"\u003EAuto-Owners\u003C\/a\u003E\u003C\/span\u003E\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E$3,119\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E$260\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003E\u003Cspan\u003E\u003Ca class=\"ShortcodeLink--root ShortcodeLink--black\" title=\"Frankenmuth auto insurance review\" href=\"https:\/\/www.valuepenguin.com\/frankenmuth-insurance-review\"\u003EFrankenmuth\u003C\/a\u003E\u003C\/span\u003E\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E$3,338\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E$278\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003E\u003Cspan\u003E\u003Ca class=\"ShortcodeLink--root ShortcodeLink--black\" title=\"State Farm auto insurance review\" href=\"https:\/\/www.valuepenguin.com\/state-farm-insurance-review\"\u003EState Farm\u003C\/a\u003E\u003C\/span\u003E\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E$3,963\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E$330\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003E\u003Cspan\u003E\u003Ca class=\"ShortcodeLink--root ShortcodeLink--black\" title=\"AAA auto insurance review\" href=\"https:\/\/www.valuepenguin.com\/aaa-insurance-review\"\u003EAAA\u003C\/a\u003E\u003C\/span\u003E\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E$12,839\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E$1,070\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003E\u003Cspan\u003E\u003Ca class=\"ShortcodeLink--root ShortcodeLink--black\" title=\"Hanover auto insurance review\" href=\"https:\/\/www.valuepenguin.com\/hanover-insurance-review\"\u003EHanover\u003C\/a\u003E\u003C\/span\u003E\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E$22,649\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E$1,887\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003E\u003Cspan\u003E\u003Ca class=\"ShortcodeLink--root ShortcodeLink--black\" title=\"USAA auto insurance review\" href=\"https:\/\/www.valuepenguin.com\/usaa-insurance-review\"\u003EUSAA\u003C\/em\u003E\u003C\/a\u003E\u003C\/span\u003E\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E$2,173\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E$181\u003C\/td\u003E\u003C\/tr\u003E\u003C\/tbody\u003E\u003C\/table\u003E\u003C\/div\u003E\u003C\/div\u003E\u003Cp class=\"SortableTable--footnote\"\u003E\u003Cem\u003EUSAA is only available to current and former military members and their families.\u003C\/p\u003E\u003C\/div\u003E\n \u003C\/div\u003E\n\n \u003Cscript type=\"application\/json\" class=\"js-react-component\" data-component-name=\"SortableTable\"\u003E{\"alignsHorizontal\":[\"left\",\"right\",\"right\"],\"alignsVertical\":[],\"columnWidths\":[],\"data\":[[\"Company\",\"Annual rate\",\"Monthly rate\"],[\"\\u003Cspan\\u003E\\u003Ca class=\\\"ShortcodeLink--root ShortcodeLink--black\\\" title=\\\"Progressive auto insurance review\\\" href=\\\"https:\\\/\\\/www.valuepenguin.com\\\/progressive-insurance-review\\\"\\u003EProgressive\\u003C\\\/a\\u003E\\u003C\\\/span\\u003E\",\"$2,044\",\"$170\"],[\"\\u003Cspan\\u003E\\u003Ca class=\\\"ShortcodeLink--root ShortcodeLink--black\\\" title=\\\"Auto-Owners auto insurance review\\\" href=\\\"https:\\\/\\\/www.valuepenguin.com\\\/auto-owners-insurance-review\\\"\\u003EAuto-Owners\\u003C\\\/a\\u003E\\u003C\\\/span\\u003E\",\"$3,119\",\"$260\"],[\"\\u003Cspan\\u003E\\u003Ca class=\\\"ShortcodeLink--root ShortcodeLink--black\\\" title=\\\"Frankenmuth auto insurance review\\\" href=\\\"https:\\\/\\\/www.valuepenguin.com\\\/frankenmuth-insurance-review\\\"\\u003EFrankenmuth\\u003C\\\/a\\u003E\\u003C\\\/span\\u003E\",\"$3,338\",\"$278\"],[\"\\u003Cspan\\u003E\\u003Ca class=\\\"ShortcodeLink--root ShortcodeLink--black\\\" title=\\\"State Farm auto insurance review\\\" href=\\\"https:\\\/\\\/www.valuepenguin.com\\\/state-farm-insurance-review\\\"\\u003EState Farm\\u003C\\\/a\\u003E\\u003C\\\/span\\u003E\",\"$3,963\",\"$330\"],[\"\\u003Cspan\\u003E\\u003Ca class=\\\"ShortcodeLink--root ShortcodeLink--black\\\" title=\\\"AAA auto insurance review\\\" href=\\\"https:\\\/\\\/www.valuepenguin.com\\\/aaa-insurance-review\\\"\\u003EAAA\\u003C\\\/a\\u003E\\u003C\\\/span\\u003E\",\"$12,839\",\"$1,070\"],[\"\\u003Cspan\\u003E\\u003Ca class=\\\"ShortcodeLink--root ShortcodeLink--black\\\" title=\\\"Hanover auto insurance review\\\" href=\\\"https:\\\/\\\/www.valuepenguin.com\\\/hanover-insurance-review\\\"\\u003EHanover\\u003C\\\/a\\u003E\\u003C\\\/span\\u003E\",\"$22,649\",\"$1,887\"],[\"\\u003Cspan\\u003E\\u003Ca class=\\\"ShortcodeLink--root ShortcodeLink--black\\\" title=\\\"USAA auto insurance review\\\" href=\\\"https:\\\/\\\/www.valuepenguin.com\\\/usaa-insurance-review\\\"\\u003EUSAA\\u003C\\\/em\\u003E\\u003C\\\/a\\u003E\\u003C\\\/span\\u003E\",\"$2,173\",\"$181\"]],\"footnote\":\"\\u003Cem\\u003EUSAA is only available to current and former military members and their families.\",\"hideHeaderRow\":false,\"hasMarginBottom\":true,\"isExpandable\":true,\"isSortable\":false,\"maxWidth\":\"1215\",\"minWidth\":\"100%\",\"showSearch\":false,\"sortColumnIndex\":0,\"sortDirection\":\"asc\"}\u003C\/script\u003E\n\n\u003C\/div\u003E\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ReactComponent--root\"\u003E\n \u003Cdiv class=\"js-react-component-rendered js-react-component-Panel\" data-component-name=\"Panel\"\u003E\n \u003Cdiv class=\"PanelRoot-sc-1o7qkaw gGilA\"\u003E\u003Cdiv class=\"Panel--content\"\u003E\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cspan\u003E\u003Ca class=\"ShortcodeLink--root ShortcodeLink--black\" title=\"What is Full Coverage Car Insurance?\" href=\"https:\/\/www.valuepenguin.com\/what-full-coverage-car-insurance\"\u003EFull-coverage policies\u003C\/a\u003E\u003C\/span\u003E include liability insurance; collision insurance, which covers your own car in an accident; and comprehensive insurance, which protects your car against weather-related damage, theft and vandalism. \n\u003C\/div\u003E\u003C\/div\u003E\n \u003C\/div\u003E\n\n\n \u003Cdiv class=\"js-react-component\" data-component-name=\"Panel\"\u003E{\"backgroundColor\":\"butter\",\"content\":\"\\u003C\\\/p\\u003E\\n\\n\\u003Cp\\u003E\\u003Cspan\\u003E\\u003Ca class=\\\"ShortcodeLink--root ShortcodeLink--black\\\" title=\\\"What is Full Coverage Car Insurance?\\\" href=\\\"https:\\\/\\\/www.valuepenguin.com\\\/what-full-coverage-car-insurance\\\"\\u003EFull-coverage policies\\u003C\\\/a\\u003E\\u003C\\\/span\\u003E include liability insurance; collision insurance, which covers your own car in an accident; and comprehensive insurance, which protects your car against weather-related damage, theft and vandalism. \\n\",\"padding\":\"double\"}\u003C\/div\u003E\n\u003C\/div\u003E \n","padding":"double"}

Cheap car insurance for drivers with prior incidents

Progressive offers the best car insurance rates for Michigan drivers with traffic violations on their record.

Michigan drivers with a history of speeding tickets, accidents and DUIs almost always pay more expensive car insurance rates than drivers with clean records. Typically, drivers who have been in an accident or have been caught committing a traffic violation are more likely to repeat those actions, making them riskier to insure.

Cheapest car insurance after a speeding ticket: Progressive

Michigan drivers with a recent speeding ticket can find affordable full-coverage insurance from Progressive, which offers rates that are 77% cheaper than the state average of $10,678 per year.

Company

Annual rate

Monthly rate

Progressive $2,487 $207
Auto-Owners $3,612 $301
Frankenmuth $3,693 $308
State Farm $5,085 $424
AAA $26,098 $2,175
Hanover $30,989 $2,582
USAA $2,781 $232

USAA is only available to current and former military members and their families.

A single speeding ticket increases insurance rates in Michigan by 49%, on average. However, some insurers raise prices more than others. Frankenmuth only raised premiums by 11%, while drivers with AAA can expect their rates to double.

Cheapest car insurance after an accident: Progressive

Progressive also has the best rates for Michigan drivers who have an accident on their record. The cost of a full-coverage policy from Progressive is $2,849 per year — $8,597 cheaper than the state average.

Additionally, drivers may find cheap coverage by comparing quotes from Auto-Owners after an at-fault crash. On average, insurance from Auto-Owners costs $3,612 per year — 68% more affordable than the typical cost of car insurance in Michigan after an accident.

Company

Annual rate

Monthly rate

Progressive $2,849 $237
Auto-Owners $3,612 $301
Frankenmuth $4,341 $362
State Farm $4,711 $393
AAA $26,098 $2,175
Hanover $35,396 $2,950
USAA $3,118 $260

USAA is only available to current and former military members and their families.

Cheapest car insurance after a DUI: Progressive

Progressive is the cheapest option for Michigan drivers with a DUI or DWI on their driving records. Full-coverage rates from Progressive average $2,386 per year.

Company

Annual rate

Monthly rate

Progressive $2,386 $199
Auto-Owners $7,357 $613
State Farm $12,589 $1,049
Frankenmuth $14,438 $1,203
AAA $36,097 $3,008
Hanover $41,551 $3,463
USAA $3,959 $330

USAA is only available to current and former military members and their families.

Car insurance companies tend to increase your rates significantly if you're cited for a DUI. On average, rates in Michigan increase by 136%.

Cheapest car insurance for young drivers in Michigan: Auto-Owners

Auto-Owners has the cheapest car insurance for young drivers in Michigan for both minimum and full coverage. Its minimum-coverage policy for an 18-year-old costs $3,089 per year, 68% less than the state average.

In Michigan, 18-year-old drivers pay $2,423 more for minimum-coverage car insurance than 30-year-old drivers.

Young drivers who are eligible for USAA can take advantage of even better rates. Its minimum-coverage policy is $1,814 per year, $1,275 cheaper than Auto-Owners.

Company

Liability only

Full coverage

Auto-Owners $3,089 $7,459
Frankenmuth $3,978 $8,865
Progressive $4,361 $8,017
, State Farm $6,005 $10,324
AAA $21,399 $28,267
Hanover $26,443 $49,977
USAA $1,814 $4,232

USAA is only available to current and former military members and their families.

Insurers raise rates for young drivers because they have less experience behind the wheel and are more likely to cause an accident.

The best way for most young drivers to lower their car insurance rates is to share a policy with an older adult, such as a parent or sibling. Many companies also offer discounts for taking additional driver training courses and maintaining a high GPA in high school or college.

{"backgroundColor":"ice","content":"\u003C\/p\u003E\n\n\u003Cp\u003EThe best way for most young drivers to lower their car insurance rates is to \u003Cspan\u003E\u003Ca class=\"ShortcodeLink--root ShortcodeLink--black\" title=\"Cheapest Car Insurance for Teens (and Their Parents)\" href=\"https:\/\/www.valuepenguin.com\/best-car-insurance-teen-drivers\"\u003Eshare a policy with an older adult\u003C\/a\u003E\u003C\/span\u003E, such as a parent or sibling. Many companies also offer discounts for taking additional driver training courses and maintaining a high GPA in high school or college.\n","padding":"double"}

{"backgroundColor":"white","content":"\u003C\/p\u003E\n\n\u003Ch2 id=\"young\"\u003ECheapest car insurance for young drivers in Michigan: Auto-Owners\u003C\/h2\u003E\n\n\u003Cp\u003E\u003Cstrong\u003EAuto-Owners\u003C\/strong\u003E has the cheapest car insurance for young drivers in Michigan for both minimum and full coverage. Its minimum-coverage policy for an 18-year-old costs $3,089 per year, 68% less than the state average.\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ShortcodePullquote--root\"\u003E\n \u003Cp class=\"ShortcodePullquote--text ShortcodePullquote--blue\"\u003E\n In Michigan, 18-year-old drivers pay $2,423 more for minimum-coverage car insurance than 30-year-old drivers.\n \u003C\/p\u003E\n\u003C\/div\u003E\u003C\/p\u003E\n\n\u003Cp\u003EYoung drivers who are eligible for \u003Cstrong\u003EUSAA\u003C\/strong\u003E can take advantage of even better rates. Its minimum-coverage policy is $1,814 per year, $1,275 cheaper than Auto-Owners.\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ReactComponent--root\"\u003E\n \u003Cdiv class=\"js-react-component-rendered js-react-component-SortableTable\" data-component-name=\"SortableTable\"\u003E\n \u003Cdiv class=\"StyledRootWrapper-sc-3qeib4 jYHfZo\"\u003E\u003Cdiv class=\"StyledTableWrapper-sc-5nmmx9 fesmOM\"\u003E\u003Cdiv class=\"StyledTableOverflowWrapper-sc-hixhp9 gVbnK\"\u003E\u003Ctable class=\"StyledTable-sc-ujzn9t jVpJxq\"\u003E\u003Cthead class=\"StyledHeaderRow-sc-1m1b8dn hCELBb\"\u003E\u003Ctr\u003E\u003Cth colSpan=\"1\" width=\"\" class=\"StyledHeaderCell-sc-nsptsd frWuiR\"\u003E\u003Cdiv class=\"StyledColumnHeaderWrapper-sc-12xyb2r gPTwhA\"\u003E\u003Cspan\u003ECompany\u003C\/span\u003E\u003C\/div\u003E\u003C\/th\u003E\u003Cth colSpan=\"1\" width=\"\" class=\"StyledHeaderCell-sc-nsptsd frWuiR\"\u003E\u003Cdiv class=\"StyledColumnHeaderWrapper-sc-12xyb2r glLrYA\"\u003E\u003Cspan\u003ELiability only\u003C\/span\u003E\u003C\/div\u003E\u003C\/th\u003E\u003Cth colSpan=\"1\" width=\"\" class=\"StyledHeaderCell-sc-nsptsd frWuiR\"\u003E\u003Cdiv class=\"StyledColumnHeaderWrapper-sc-12xyb2r glLrYA\"\u003E\u003Cspan\u003EFull coverage\u003C\/span\u003E\u003C\/div\u003E\u003C\/th\u003E\u003C\/tr\u003E\u003C\/thead\u003E\u003Ctbody class=\"StyledBody-sc-14y8oc0 dcdMVT\"\u003E\u003Ctr\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003EAuto-Owners\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E$3,089\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E$7,459\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003EFrankenmuth\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E$3,978\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E$8,865\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003EProgressive\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E$4,361\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E$8,017\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003E,\nState Farm\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E$6,005\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E$10,324\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003EAAA\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E$21,399\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E$28,267\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003EHanover\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E$26,443\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E$49,977\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003EUSAA\u003C\/em\u003E\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E$1,814\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E$4,232\u003C\/td\u003E\u003C\/tr\u003E\u003C\/tbody\u003E\u003C\/table\u003E\u003C\/div\u003E\u003C\/div\u003E\u003Cp class=\"SortableTable--footnote\"\u003E\u003Cem\u003EUSAA is only available to current and former military members and their families.\u003C\/p\u003E\u003C\/div\u003E\n \u003C\/div\u003E\n\n \u003Cscript type=\"application\/json\" class=\"js-react-component\" data-component-name=\"SortableTable\"\u003E{\"alignsHorizontal\":[\"left\",\"right\",\"right\"],\"alignsVertical\":[],\"columnWidths\":[],\"data\":[[\"Company\",\"Liability only\",\"Full coverage\"],[\"Auto-Owners\",\"$3,089\",\"$7,459\"],[\"Frankenmuth\",\"$3,978\",\"$8,865\"],[\"Progressive\",\"$4,361\",\"$8,017\"],[\",\\nState Farm\",\"$6,005\",\"$10,324\"],[\"AAA\",\"$21,399\",\"$28,267\"],[\"Hanover\",\"$26,443\",\"$49,977\"],[\"USAA\\u003C\\\/em\\u003E\",\"$1,814\",\"$4,232\"]],\"footnote\":\"\\u003Cem\\u003EUSAA is only available to current and former military members and their families.\",\"hideHeaderRow\":false,\"hasMarginBottom\":true,\"isExpandable\":true,\"isSortable\":false,\"maxWidth\":\"1215\",\"minWidth\":\"100%\",\"showSearch\":false,\"sortColumnIndex\":0,\"sortDirection\":\"asc\"}\u003C\/script\u003E\n\n\u003C\/div\u003E\u003C\/p\u003E\n\n\u003Cp\u003EInsurers raise rates for young drivers because they have less experience behind the wheel and are more likely to cause an accident.\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ReactComponent--root\"\u003E\n \u003Cdiv class=\"js-react-component-rendered js-react-component-Panel\" data-component-name=\"Panel\"\u003E\n \u003Cdiv class=\"PanelRoot-sc-1o7qkaw efMzqR\"\u003E\u003Cdiv class=\"Panel--content\"\u003E\u003C\/p\u003E\n\n\u003Cp\u003EThe best way for most young drivers to lower their car insurance rates is to \u003Cspan\u003E\u003Ca class=\"ShortcodeLink--root ShortcodeLink--black\" title=\"Cheapest Car Insurance for Teens (and Their Parents)\" href=\"https:\/\/www.valuepenguin.com\/best-car-insurance-teen-drivers\"\u003Eshare a policy with an older adult\u003C\/a\u003E\u003C\/span\u003E, such as a parent or sibling. Many companies also offer discounts for taking additional driver training courses and maintaining a high GPA in high school or college.\n\u003C\/div\u003E\u003C\/div\u003E\n \u003C\/div\u003E\n\n\n \u003Cdiv class=\"js-react-component\" data-component-name=\"Panel\"\u003E{\"backgroundColor\":\"ice\",\"content\":\"\\u003C\\\/p\\u003E\\n\\n\\u003Cp\\u003EThe best way for most young drivers to lower their car insurance rates is to \\u003Cspan\\u003E\\u003Ca class=\\\"ShortcodeLink--root ShortcodeLink--black\\\" title=\\\"Cheapest Car Insurance for Teens (and Their Parents)\\\" href=\\\"https:\\\/\\\/www.valuepenguin.com\\\/best-car-insurance-teen-drivers\\\"\\u003Eshare a policy with an older adult\\u003C\\\/a\\u003E\\u003C\\\/span\\u003E, such as a parent or sibling. Many companies also offer discounts for taking additional driver training courses and maintaining a high GPA in high school or college.\\n\",\"padding\":\"double\"}\u003C\/div\u003E\n\u003C\/div\u003E \n","padding":"double"}

Cheapest car insurance for young drivers after a ticket: Auto-Owners

Auto-Owners remains the cheapest option for young drivers in Michigan who have a recent speeding ticket. The cost of minimum-coverage car insurance with Auto-Owners doesn't change after a single ticket, unlike the other insurers we studied.

On average, car insurance is $4,013 more expensive for young drivers after a speeding violation — a 42% increase over drivers with a clean record.

Company

Annual rate

Monthly rate

Auto-Owners $3,089 $257
Frankenmuth $4,287 $357
Progressive $4,632 $386
State Farm $7,973 $664
AAA $34,706 $2,892
Hanover $38,414 $3,201
USAA $2,077 $173

USAA is only available to current and former military members and their families.

{"backgroundColor":"white","content":"\u003C\/p\u003E\n\n\u003Ch3 id=\"young-ticket\"\u003ECheapest car insurance for young drivers after a ticket: Auto-Owners\u003C\/h3\u003E\n\n\u003Cp\u003E\u003Cstrong\u003EAuto-Owners\u003C\/strong\u003E remains the cheapest option for young drivers in Michigan who have a recent speeding ticket. The cost of minimum-coverage car insurance with Auto-Owners doesn't change after a single ticket, unlike the other insurers we studied.\u003C\/p\u003E\n\n\u003Cp\u003EOn average, car insurance is $4,013 more expensive for young drivers after a speeding violation \u2014 a 42% increase over drivers with a clean record.\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ReactComponent--root\"\u003E\n \u003Cdiv class=\"js-react-component-rendered js-react-component-SortableTable\" data-component-name=\"SortableTable\"\u003E\n \u003Cdiv class=\"StyledRootWrapper-sc-3qeib4 jYHfZo\"\u003E\u003Cdiv class=\"StyledTableWrapper-sc-5nmmx9 fesmOM\"\u003E\u003Cdiv class=\"StyledTableOverflowWrapper-sc-hixhp9 gVbnK\"\u003E\u003Ctable class=\"StyledTable-sc-ujzn9t jVpJxq\"\u003E\u003Cthead class=\"StyledHeaderRow-sc-1m1b8dn hCELBb\"\u003E\u003Ctr\u003E\u003Cth colSpan=\"1\" width=\"\" class=\"StyledHeaderCell-sc-nsptsd frWuiR\"\u003E\u003Cdiv class=\"StyledColumnHeaderWrapper-sc-12xyb2r gPTwhA\"\u003E\u003Cspan\u003ECompany\u003C\/span\u003E\u003C\/div\u003E\u003C\/th\u003E\u003Cth colSpan=\"1\" width=\"\" class=\"StyledHeaderCell-sc-nsptsd frWuiR\"\u003E\u003Cdiv class=\"StyledColumnHeaderWrapper-sc-12xyb2r glLrYA\"\u003E\u003Cspan\u003EAnnual rate\u003C\/span\u003E\u003C\/div\u003E\u003C\/th\u003E\u003Cth colSpan=\"1\" width=\"\" class=\"StyledHeaderCell-sc-nsptsd frWuiR\"\u003E\u003Cdiv class=\"StyledColumnHeaderWrapper-sc-12xyb2r glLrYA\"\u003E\u003Cspan\u003EMonthly rate\u003C\/span\u003E\u003C\/div\u003E\u003C\/th\u003E\u003C\/tr\u003E\u003C\/thead\u003E\u003Ctbody class=\"StyledBody-sc-14y8oc0 dcdMVT\"\u003E\u003Ctr\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003EAuto-Owners\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E$3,089\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E$257\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003EFrankenmuth\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E$4,287\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E$357\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003EProgressive\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E$4,632\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E$386\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003EState Farm\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E$7,973\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E$664\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003EAAA\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E$34,706\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E$2,892\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003EHanover\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E$38,414\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E$3,201\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003EUSAA\u003C\/em\u003E\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E$2,077\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E$173\u003C\/td\u003E\u003C\/tr\u003E\u003C\/tbody\u003E\u003C\/table\u003E\u003C\/div\u003E\u003C\/div\u003E\u003Cp class=\"SortableTable--footnote\"\u003E\u003Cem\u003EUSAA is only available to current and former military members and their families.\u003C\/p\u003E\u003C\/div\u003E\n \u003C\/div\u003E\n\n \u003Cscript type=\"application\/json\" class=\"js-react-component\" data-component-name=\"SortableTable\"\u003E{\"alignsHorizontal\":[\"left\",\"right\",\"right\"],\"alignsVertical\":[],\"columnWidths\":[],\"data\":[[\"Company\",\"Annual rate\",\"Monthly rate\"],[\"Auto-Owners\",\"$3,089\",\"$257\"],[\"Frankenmuth\",\"$4,287\",\"$357\"],[\"Progressive\",\"$4,632\",\"$386\"],[\"State Farm\",\"$7,973\",\"$664\"],[\"AAA\",\"$34,706\",\"$2,892\"],[\"Hanover\",\"$38,414\",\"$3,201\"],[\"USAA\\u003C\\\/em\\u003E\",\"$2,077\",\"$173\"]],\"footnote\":\"\\u003Cem\\u003EUSAA is only available to current and former military members and their families.\",\"hideHeaderRow\":false,\"hasMarginBottom\":true,\"isExpandable\":true,\"isSortable\":false,\"maxWidth\":\"1215\",\"minWidth\":\"100%\",\"showSearch\":false,\"sortColumnIndex\":0,\"sortDirection\":\"asc\"}\u003C\/script\u003E\n\n\u003C\/div\u003E\n","padding":"double"}

Cheapest car insurance for young drivers after an accident: Auto-Owners

The cheapest insurance for young drivers with an at-fault accident is Auto-Owners — the company doesn't raise rates for young drivers after an accident. Its rate remains at $3,089 per year for minimum coverage, making the cost of an Auto-Owners policy 79% cheaper than the state average. Other insurers in Michigan raise rates for young drivers by 50% after an accident, on average.

Company

Annual rate

Monthly rate

Auto-Owners $3,089 $257
Frankenmuth $4,814 $401
Progressive $4,944 $412
State Farm $7,317 $610
AAA $34,706 $2,892
Hanover $43,853 $3,654
USAA $2,227 $186

*USAA is only available to current and former military members and their families.

{"backgroundColor":"white","content":"\u003C\/p\u003E\n\n\u003Ch3 id=\"young-accident\"\u003ECheapest car insurance for young drivers after an accident: Auto-Owners\u003C\/h3\u003E\n\n\u003Cp\u003EThe cheapest insurance for young drivers with an at-fault accident is \u003Cstrong\u003EAuto-Owners\u003C\/strong\u003E \u2014 the company doesn't raise rates for young drivers after an accident. Its rate remains at $3,089 per year for minimum coverage, making the cost of an Auto-Owners policy 79% cheaper than the state average. Other insurers in Michigan raise rates for young drivers by 50% after an accident, on average.\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ReactComponent--root\"\u003E\n \u003Cdiv class=\"js-react-component-rendered js-react-component-SortableTable\" data-component-name=\"SortableTable\"\u003E\n \u003Cdiv class=\"StyledRootWrapper-sc-3qeib4 jYHfZo\"\u003E\u003Cdiv class=\"StyledTableWrapper-sc-5nmmx9 fesmOM\"\u003E\u003Cdiv class=\"StyledTableOverflowWrapper-sc-hixhp9 gVbnK\"\u003E\u003Ctable class=\"StyledTable-sc-ujzn9t jVpJxq\"\u003E\u003Cthead class=\"StyledHeaderRow-sc-1m1b8dn hCELBb\"\u003E\u003Ctr\u003E\u003Cth colSpan=\"1\" width=\"\" class=\"StyledHeaderCell-sc-nsptsd frWuiR\"\u003E\u003Cdiv class=\"StyledColumnHeaderWrapper-sc-12xyb2r gPTwhA\"\u003E\u003Cspan\u003ECompany\u003C\/span\u003E\u003C\/div\u003E\u003C\/th\u003E\u003Cth colSpan=\"1\" width=\"\" class=\"StyledHeaderCell-sc-nsptsd frWuiR\"\u003E\u003Cdiv class=\"StyledColumnHeaderWrapper-sc-12xyb2r glLrYA\"\u003E\u003Cspan\u003EAnnual rate\u003C\/span\u003E\u003C\/div\u003E\u003C\/th\u003E\u003Cth colSpan=\"1\" width=\"\" class=\"StyledHeaderCell-sc-nsptsd frWuiR\"\u003E\u003Cdiv class=\"StyledColumnHeaderWrapper-sc-12xyb2r glLrYA\"\u003E\u003Cspan\u003EMonthly rate\u003C\/span\u003E\u003C\/div\u003E\u003C\/th\u003E\u003C\/tr\u003E\u003C\/thead\u003E\u003Ctbody class=\"StyledBody-sc-14y8oc0 dcdMVT\"\u003E\u003Ctr\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003EAuto-Owners\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E$3,089\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E$257\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003EFrankenmuth\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E$4,814\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E$401\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003EProgressive\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E$4,944\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E$412\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003EState Farm\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E$7,317\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E$610\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003EAAA\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E$34,706\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E$2,892\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003EHanover\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E$43,853\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E$3,654\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003EUSAA\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E$2,227\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E$186\u003C\/td\u003E\u003C\/tr\u003E\u003C\/tbody\u003E\u003C\/table\u003E\u003C\/div\u003E\u003C\/div\u003E\u003Cp class=\"SortableTable--footnote\"\u003E*USAA is only available to current and former military members and their families.\u003C\/p\u003E\u003C\/div\u003E\n \u003C\/div\u003E\n\n \u003Cscript type=\"application\/json\" class=\"js-react-component\" data-component-name=\"SortableTable\"\u003E{\"alignsHorizontal\":[\"left\",\"right\",\"right\"],\"alignsVertical\":[],\"columnWidths\":[],\"data\":[[\"Company\",\"Annual rate\",\"Monthly rate\"],[\"Auto-Owners\",\"$3,089\",\"$257\"],[\"Frankenmuth\",\"$4,814\",\"$401\"],[\"Progressive\",\"$4,944\",\"$412\"],[\"State Farm\",\"$7,317\",\"$610\"],[\"AAA\",\"$34,706\",\"$2,892\"],[\"Hanover\",\"$43,853\",\"$3,654\"],[\"USAA\",\"$2,227\",\"$186\"]],\"footnote\":\"*USAA is only available to current and former military members and their families.\",\"hideHeaderRow\":false,\"hasMarginBottom\":true,\"isExpandable\":true,\"isSortable\":false,\"maxWidth\":\"1215\",\"minWidth\":\"100%\",\"showSearch\":false,\"sortColumnIndex\":0,\"sortDirection\":\"asc\"}\u003C\/script\u003E\n\n\u003C\/div\u003E\n","padding":"double"}

Best car insurance companies in Michigan

State Farm is our pick for best car insurance company in Michigan due to its superior rating from our editors, top J.D. Power customer satisfaction score and high financial stability marks from A.M. Best.

We recommend all Michigan drivers compare auto insurance quotes to find the lowest price, but you should also choose an insurance company with a great reputation. How you balance savings and quality of service is up to you, but you'll likely make an auto insurance claim in a time of stress and need. It helps to know you'll be working with an insurer that has a track record of being responsive and fair.

Company

Editor's rating

JD Power

AM Best

State Farm 851 A++
Auto-Owners 842 A++
AAA 800 A
Frankenmuth NR A
Progressive 842 A+
Citizens NR A
USAA 895 A++

J.D. Power's Auto Claims Satisfaction Study is a yearly nationwide survey that asks insurance customers about their experience filing claims with their insurer. Higher scores are better, and the best possible rating is 1,000.

A.M. Best's Financial Strength Rating is a letter grade that describes the overall financial health of an insurance company and its ability to pay out claims. The best score is "A++". All of the companies that we studied received a "Superior" or "Excellent" Financial Strength Rating, meaning that they are well-equipped to pay out claims, even in difficult economic times.

{"backgroundColor":"white","content":"\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ShortcodePullquote--root\"\u003E\n \u003Cp class=\"ShortcodePullquote--text ShortcodePullquote--blue\"\u003E\n State Farm is our pick for best car insurance company in Michigan due to its superior rating from our editors, top J.D. Power customer satisfaction score and high financial stability marks from A.M. Best. \n \u003C\/p\u003E\n\u003C\/div\u003E\u003C\/p\u003E\n\n\u003Cp\u003EWe recommend all Michigan drivers \u003Cspan\u003E\u003Ca class=\"ShortcodeLink--root ShortcodeLink--black\" title=\"compare auto insurance quotes\" href=\"https:\/\/www.valuepenguin.com\/best-cheap-car-insurance\"\u003Ecompare auto insurance quotes\u003C\/a\u003E\u003C\/span\u003E to find the lowest price, but you should also choose an insurance company with a great reputation. How you balance savings and quality of service is up to you, but you'll likely make an auto insurance claim in a time of stress and need. It helps to know you'll be working with an insurer that has a track record of being responsive and fair.\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ReactComponent--root\"\u003E\n \u003Cdiv class=\"js-react-component-rendered js-react-component-SortableTable\" data-component-name=\"SortableTable\"\u003E\n \u003Cdiv class=\"StyledRootWrapper-sc-3qeib4 jYHfZo\"\u003E\u003Cdiv class=\"StyledTableWrapper-sc-5nmmx9 fesmOM\"\u003E\u003Cdiv class=\"StyledTableOverflowWrapper-sc-hixhp9 gVbnK\"\u003E\u003Ctable class=\"StyledTable-sc-ujzn9t jVpJxq\"\u003E\u003Cthead class=\"StyledHeaderRow-sc-1m1b8dn hCELBb\"\u003E\u003Ctr\u003E\u003Cth colSpan=\"1\" width=\"\" class=\"StyledHeaderCell-sc-nsptsd frWuiR\"\u003E\u003Cdiv class=\"StyledColumnHeaderWrapper-sc-12xyb2r gPTwhA\"\u003E\u003Cspan\u003ECompany\u003C\/span\u003E\u003C\/div\u003E\u003C\/th\u003E\u003Cth colSpan=\"1\" width=\"\" class=\"StyledHeaderCell-sc-nsptsd frWuiR\"\u003E\u003Cdiv class=\"StyledColumnHeaderWrapper-sc-12xyb2r gPTwhA\"\u003E\u003Cspan\u003E\u003Cspan class=\"ReactComponent--root\"\u003E\n \u003Cspan class=\"js-react-component-rendered js-react-component-Tooltip\" data-component-name=\"Tooltip\"\u003E\n \u003Cspan class=\"Root-sc-1s0tjjv iFkEyL\"\u003E\u003Cspan class=\"TriggerContent-sc-6l8ey JCLIs\"\u003EEditor's rating\u003C!-- --\u003E \u003C\/span\u003E\u003C\/span\u003E\n \u003C\/span\u003E\n\n \u003Cscript type=\"application\/json\" class=\"js-react-component\" data-component-name=\"Tooltip\"\u003E\n {\"content\":\"The ValuePenguin team rates insurance companies based on independent research, factoring in customer service, affordability, coverage offered and overall shopping experience. \\u003Cspan\\u003E\\u003Ca class=\\\"ShortcodeLink--root ShortcodeLink--black\\\" title=\\\"Learn how we calculate insurer ratings.\\\" href=\\\"https:\\\/\\\/www.valuepenguin.com\\\/best-auto-insurance#method\\\"\\u003ELearn how we calculate insurer ratings.\\u003C\\\/a\\u003E\\u003C\\\/span\\u003E\",\"icon\":\"\",\"label\":\"\",\"triggerText\":\"Editor's rating\"}\n \u003C\/script\u003E\n\u003C\/span\u003E\u003C\/span\u003E\u003C\/div\u003E\u003C\/th\u003E\u003Cth colSpan=\"1\" width=\"\" class=\"StyledHeaderCell-sc-nsptsd frWuiR\"\u003E\u003Cdiv class=\"StyledColumnHeaderWrapper-sc-12xyb2r glLrYA\"\u003E\u003Cspan\u003E\u003Cspan class=\"ReactComponent--root\"\u003E\n \u003Cspan class=\"js-react-component-rendered js-react-component-Tooltip\" data-component-name=\"Tooltip\"\u003E\n \u003Cspan class=\"Root-sc-1s0tjjv iFkEyL\"\u003E\u003Cspan class=\"TriggerContent-sc-6l8ey JCLIs\"\u003EJD Power\u003C!-- --\u003E \u003C\/span\u003E\u003C\/span\u003E\n \u003C\/span\u003E\n\n \u003Cscript type=\"application\/json\" class=\"js-react-component\" data-component-name=\"Tooltip\"\u003E\n {\"content\":\"J.D. Power's annual survey rates insurance customer satisfaction out of 1,000 points. Top companies tend to score at least 820 points.\",\"icon\":\"\",\"label\":\"\",\"triggerText\":\"JD Power\"}\n \u003C\/script\u003E\n\u003C\/span\u003E\u003C\/span\u003E\u003C\/div\u003E\u003C\/th\u003E\u003Cth colSpan=\"1\" width=\"\" class=\"StyledHeaderCell-sc-nsptsd frWuiR\"\u003E\u003Cdiv class=\"StyledColumnHeaderWrapper-sc-12xyb2r glLrYA\"\u003E\u003Cspan\u003E\u003Cspan class=\"ReactComponent--root\"\u003E\n \u003Cspan class=\"js-react-component-rendered js-react-component-Tooltip\" data-component-name=\"Tooltip\"\u003E\n \u003Cspan class=\"Root-sc-1s0tjjv iFkEyL\"\u003E\u003Cspan class=\"TriggerContent-sc-6l8ey JCLIs\"\u003EAM Best\u003C!-- --\u003E \u003C\/span\u003E\u003C\/span\u003E\n \u003C\/span\u003E\n\n \u003Cscript type=\"application\/json\" class=\"js-react-component\" data-component-name=\"Tooltip\"\u003E\n {\"content\":\"A.M. Best rates insurers' financial stability. 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class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003EFrankenmuth\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003E\u003Cdiv class=\"ReactComponent--root\"\u003E\n \u003Cdiv class=\"js-react-component-rendered js-react-component-StarRating\" data-component-name=\"StarRating\"\u003E\n \u003Cdiv class=\"StyledStarRating-sc-c10iah jKtZiW\"\u003E\u003Cspan aria-hidden=\"true\" class=\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-fill\" color=\"yellow\" name=\"star-fill\"\u003E\u003C\/span\u003E\u003Cspan aria-hidden=\"true\" class=\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-fill\" color=\"yellow\" name=\"star-fill\"\u003E\u003C\/span\u003E\u003Cspan aria-hidden=\"true\" class=\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-fill\" color=\"yellow\" name=\"star-fill\"\u003E\u003C\/span\u003E\u003Cspan aria-hidden=\"true\" class=\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-fill\" color=\"yellow\" name=\"star-fill\"\u003E\u003C\/span\u003E\u003Cspan aria-hidden=\"true\" class=\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-half\" color=\"yellow\" name=\"star-half\"\u003E\u003C\/span\u003E\u003C\/div\u003E\n \u003C\/div\u003E\n\n \u003Cscript type=\"application\/json\" class=\"js-react-component\" data-component-name=\"StarRating\"\u003E{\"rating\":\"90\",\"stars\":5}\u003C\/script\u003E\n\n\u003C\/div\u003E\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003ENR\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003EA\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003EProgressive\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee 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data-component-name=\"StarRating\"\u003E\n \u003Cdiv class=\"StyledStarRating-sc-c10iah jKtZiW\"\u003E\u003Cspan aria-hidden=\"true\" class=\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-fill\" color=\"yellow\" name=\"star-fill\"\u003E\u003C\/span\u003E\u003Cspan aria-hidden=\"true\" class=\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-fill\" color=\"yellow\" name=\"star-fill\"\u003E\u003C\/span\u003E\u003Cspan aria-hidden=\"true\" class=\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-half\" color=\"yellow\" name=\"star-half\"\u003E\u003C\/span\u003E\u003Cspan aria-hidden=\"true\" class=\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-empty\" color=\"yellow\" name=\"star-empty\"\u003E\u003C\/span\u003E\u003Cspan aria-hidden=\"true\" class=\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-empty\" color=\"yellow\" 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aria-hidden=\"true\" class=\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-fill\" color=\"yellow\" name=\"star-fill\"\u003E\u003C\/span\u003E\u003Cspan aria-hidden=\"true\" class=\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-fill\" color=\"yellow\" name=\"star-fill\"\u003E\u003C\/span\u003E\u003Cspan aria-hidden=\"true\" class=\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-fill\" color=\"yellow\" name=\"star-fill\"\u003E\u003C\/span\u003E\u003Cspan aria-hidden=\"true\" class=\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-fill\" color=\"yellow\" name=\"star-fill\"\u003E\u003C\/span\u003E\u003Cspan aria-hidden=\"true\" class=\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-half\" color=\"yellow\" name=\"star-half\"\u003E\u003C\/span\u003E\u003C\/div\u003E\n \u003C\/div\u003E\n\n \u003Cscript type=\"application\/json\" class=\"js-react-component\" data-component-name=\"StarRating\"\u003E{\"rating\":\"90\",\"stars\":5}\u003C\/script\u003E\n\n\u003C\/div\u003E\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E895\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003EA++\u003C\/td\u003E\u003C\/tr\u003E\u003C\/tbody\u003E\u003C\/table\u003E\u003C\/div\u003E\u003C\/div\u003E\u003C\/div\u003E\n \u003C\/div\u003E\n\n \u003Cscript type=\"application\/json\" class=\"js-react-component\" data-component-name=\"SortableTable\"\u003E{\"alignsHorizontal\":[\"left\",\"left\",\"right\",\"right\"],\"alignsVertical\":[],\"columnWidths\":[],\"data\":[[\"Company\",\"\\u003Cspan class=\\\"ReactComponent--root\\\"\\u003E\\n \\u003Cspan class=\\\"js-react-component-rendered js-react-component-Tooltip\\\" data-component-name=\\\"Tooltip\\\"\\u003E\\n \\u003Cspan class=\\\"Root-sc-1s0tjjv iFkEyL\\\"\\u003E\\u003Cspan class=\\\"TriggerContent-sc-6l8ey JCLIs\\\"\\u003EEditor's rating\\u003C!-- --\\u003E \\u003C\\\/span\\u003E\\u003C\\\/span\\u003E\\n \\u003C\\\/span\\u003E\\n\\n \\u003Cscript type=\\\"application\\\/json\\\" class=\\\"js-react-component\\\" data-component-name=\\\"Tooltip\\\"\\u003E\\n {\\\"content\\\":\\\"The ValuePenguin team rates insurance companies based on independent research, factoring in customer service, affordability, coverage offered and overall shopping experience. \\\\u003Cspan\\\\u003E\\\\u003Ca class=\\\\\\\"ShortcodeLink--root ShortcodeLink--black\\\\\\\" title=\\\\\\\"Learn how we calculate insurer ratings.\\\\\\\" href=\\\\\\\"https:\\\\\\\/\\\\\\\/www.valuepenguin.com\\\\\\\/best-auto-insurance#method\\\\\\\"\\\\u003ELearn how we calculate insurer ratings.\\\\u003C\\\\\\\/a\\\\u003E\\\\u003C\\\\\\\/span\\\\u003E\\\",\\\"icon\\\":\\\"\\\",\\\"label\\\":\\\"\\\",\\\"triggerText\\\":\\\"Editor's rating\\\"}\\n \\u003C\\\/script\\u003E\\n\\u003C\\\/span\\u003E\",\"\\u003Cspan class=\\\"ReactComponent--root\\\"\\u003E\\n \\u003Cspan class=\\\"js-react-component-rendered js-react-component-Tooltip\\\" data-component-name=\\\"Tooltip\\\"\\u003E\\n \\u003Cspan class=\\\"Root-sc-1s0tjjv iFkEyL\\\"\\u003E\\u003Cspan class=\\\"TriggerContent-sc-6l8ey JCLIs\\\"\\u003EJD Power\\u003C!-- --\\u003E \\u003C\\\/span\\u003E\\u003C\\\/span\\u003E\\n \\u003C\\\/span\\u003E\\n\\n \\u003Cscript type=\\\"application\\\/json\\\" class=\\\"js-react-component\\\" data-component-name=\\\"Tooltip\\\"\\u003E\\n {\\\"content\\\":\\\"J.D. Power's annual survey rates insurance customer satisfaction out of 1,000 points. Top companies tend to score at least 820 points.\\\",\\\"icon\\\":\\\"\\\",\\\"label\\\":\\\"\\\",\\\"triggerText\\\":\\\"JD Power\\\"}\\n \\u003C\\\/script\\u003E\\n\\u003C\\\/span\\u003E\",\"\\u003Cspan class=\\\"ReactComponent--root\\\"\\u003E\\n \\u003Cspan class=\\\"js-react-component-rendered js-react-component-Tooltip\\\" data-component-name=\\\"Tooltip\\\"\\u003E\\n \\u003Cspan class=\\\"Root-sc-1s0tjjv iFkEyL\\\"\\u003E\\u003Cspan class=\\\"TriggerContent-sc-6l8ey JCLIs\\\"\\u003EAM Best\\u003C!-- --\\u003E \\u003C\\\/span\\u003E\\u003C\\\/span\\u003E\\n \\u003C\\\/span\\u003E\\n\\n \\u003Cscript type=\\\"application\\\/json\\\" class=\\\"js-react-component\\\" data-component-name=\\\"Tooltip\\\"\\u003E\\n {\\\"content\\\":\\\"A.M. Best rates insurers' financial stability. A score of \\\\\\\"A\\\\\\\" or better means A.M. Best believes the company has an \\\\\\\"Excellent\\\\\\\" or \\\\\\\"Superior\\\\\\\" ability to pay out future claims.\\\",\\\"icon\\\":\\\"\\\",\\\"label\\\":\\\"\\\",\\\"triggerText\\\":\\\"AM Best\\\"}\\n \\u003C\\\/script\\u003E\\n\\u003C\\\/span\\u003E\"],[\"State Farm\",\"\\u003Cdiv class=\\\"ReactComponent--root\\\"\\u003E\\n \\u003Cdiv class=\\\"js-react-component-rendered js-react-component-StarRating\\\" data-component-name=\\\"StarRating\\\"\\u003E\\n \\u003Cdiv class=\\\"StyledStarRating-sc-c10iah jKtZiW\\\"\\u003E\\u003Cspan aria-hidden=\\\"true\\\" class=\\\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-fill\\\" color=\\\"yellow\\\" name=\\\"star-fill\\\"\\u003E\\u003C\\\/span\\u003E\\u003Cspan aria-hidden=\\\"true\\\" class=\\\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-fill\\\" color=\\\"yellow\\\" name=\\\"star-fill\\\"\\u003E\\u003C\\\/span\\u003E\\u003Cspan aria-hidden=\\\"true\\\" 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js-react-component-StarRating\\\" data-component-name=\\\"StarRating\\\"\\u003E\\n \\u003Cdiv class=\\\"StyledStarRating-sc-c10iah jKtZiW\\\"\\u003E\\u003Cspan aria-hidden=\\\"true\\\" class=\\\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-fill\\\" color=\\\"yellow\\\" name=\\\"star-fill\\\"\\u003E\\u003C\\\/span\\u003E\\u003Cspan aria-hidden=\\\"true\\\" class=\\\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-fill\\\" color=\\\"yellow\\\" name=\\\"star-fill\\\"\\u003E\\u003C\\\/span\\u003E\\u003Cspan aria-hidden=\\\"true\\\" class=\\\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-fill\\\" color=\\\"yellow\\\" name=\\\"star-fill\\\"\\u003E\\u003C\\\/span\\u003E\\u003Cspan aria-hidden=\\\"true\\\" class=\\\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-fill\\\" color=\\\"yellow\\\" name=\\\"star-fill\\\"\\u003E\\u003C\\\/span\\u003E\\u003Cspan aria-hidden=\\\"true\\\" class=\\\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-half\\\" color=\\\"yellow\\\" name=\\\"star-half\\\"\\u003E\\u003C\\\/span\\u003E\\u003C\\\/div\\u003E\\n \\u003C\\\/div\\u003E\\n\\n \\u003Cscript type=\\\"application\\\/json\\\" class=\\\"js-react-component\\\" data-component-name=\\\"StarRating\\\"\\u003E{\\\"rating\\\":\\\"90\\\",\\\"stars\\\":5}\\u003C\\\/script\\u003E\\n\\n\\u003C\\\/div\\u003E\",\"842\",\"A++\"],[\"AAA\",\"\\u003Cdiv class=\\\"ReactComponent--root\\\"\\u003E\\n \\u003Cdiv class=\\\"js-react-component-rendered js-react-component-StarRating\\\" data-component-name=\\\"StarRating\\\"\\u003E\\n \\u003Cdiv class=\\\"StyledStarRating-sc-c10iah jKtZiW\\\"\\u003E\\u003Cspan aria-hidden=\\\"true\\\" class=\\\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-fill\\\" color=\\\"yellow\\\" name=\\\"star-fill\\\"\\u003E\\u003C\\\/span\\u003E\\u003Cspan aria-hidden=\\\"true\\\" class=\\\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-fill\\\" color=\\\"yellow\\\" name=\\\"star-fill\\\"\\u003E\\u003C\\\/span\\u003E\\u003Cspan aria-hidden=\\\"true\\\" class=\\\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-fill\\\" color=\\\"yellow\\\" name=\\\"star-fill\\\"\\u003E\\u003C\\\/span\\u003E\\u003Cspan aria-hidden=\\\"true\\\" class=\\\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-fill\\\" color=\\\"yellow\\\" name=\\\"star-fill\\\"\\u003E\\u003C\\\/span\\u003E\\u003Cspan aria-hidden=\\\"true\\\" class=\\\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-half\\\" color=\\\"yellow\\\" name=\\\"star-half\\\"\\u003E\\u003C\\\/span\\u003E\\u003C\\\/div\\u003E\\n \\u003C\\\/div\\u003E\\n\\n \\u003Cscript type=\\\"application\\\/json\\\" class=\\\"js-react-component\\\" data-component-name=\\\"StarRating\\\"\\u003E{\\\"rating\\\":\\\"90\\\",\\\"stars\\\":5}\\u003C\\\/script\\u003E\\n\\n\\u003C\\\/div\\u003E\",\"800\",\"A\"],[\"Frankenmuth\",\"\\u003Cdiv class=\\\"ReactComponent--root\\\"\\u003E\\n \\u003Cdiv class=\\\"js-react-component-rendered js-react-component-StarRating\\\" data-component-name=\\\"StarRating\\\"\\u003E\\n \\u003Cdiv class=\\\"StyledStarRating-sc-c10iah jKtZiW\\\"\\u003E\\u003Cspan aria-hidden=\\\"true\\\" class=\\\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-fill\\\" color=\\\"yellow\\\" name=\\\"star-fill\\\"\\u003E\\u003C\\\/span\\u003E\\u003Cspan aria-hidden=\\\"true\\\" class=\\\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-fill\\\" color=\\\"yellow\\\" name=\\\"star-fill\\\"\\u003E\\u003C\\\/span\\u003E\\u003Cspan aria-hidden=\\\"true\\\" class=\\\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-fill\\\" color=\\\"yellow\\\" name=\\\"star-fill\\\"\\u003E\\u003C\\\/span\\u003E\\u003Cspan aria-hidden=\\\"true\\\" class=\\\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-fill\\\" color=\\\"yellow\\\" name=\\\"star-fill\\\"\\u003E\\u003C\\\/span\\u003E\\u003Cspan aria-hidden=\\\"true\\\" class=\\\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-half\\\" color=\\\"yellow\\\" name=\\\"star-half\\\"\\u003E\\u003C\\\/span\\u003E\\u003C\\\/div\\u003E\\n \\u003C\\\/div\\u003E\\n\\n \\u003Cscript type=\\\"application\\\/json\\\" class=\\\"js-react-component\\\" data-component-name=\\\"StarRating\\\"\\u003E{\\\"rating\\\":\\\"90\\\",\\\"stars\\\":5}\\u003C\\\/script\\u003E\\n\\n\\u003C\\\/div\\u003E\",\"NR\",\"A\"],[\"Progressive\",\"\\u003Cdiv class=\\\"ReactComponent--root\\\"\\u003E\\n \\u003Cdiv class=\\\"js-react-component-rendered js-react-component-StarRating\\\" data-component-name=\\\"StarRating\\\"\\u003E\\n \\u003Cdiv class=\\\"StyledStarRating-sc-c10iah jKtZiW\\\"\\u003E\\u003Cspan aria-hidden=\\\"true\\\" class=\\\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-fill\\\" color=\\\"yellow\\\" name=\\\"star-fill\\\"\\u003E\\u003C\\\/span\\u003E\\u003Cspan aria-hidden=\\\"true\\\" class=\\\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-fill\\\" color=\\\"yellow\\\" name=\\\"star-fill\\\"\\u003E\\u003C\\\/span\\u003E\\u003Cspan aria-hidden=\\\"true\\\" class=\\\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-fill\\\" color=\\\"yellow\\\" name=\\\"star-fill\\\"\\u003E\\u003C\\\/span\\u003E\\u003Cspan aria-hidden=\\\"true\\\" class=\\\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-empty\\\" color=\\\"yellow\\\" name=\\\"star-empty\\\"\\u003E\\u003C\\\/span\\u003E\\u003Cspan aria-hidden=\\\"true\\\" class=\\\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-empty\\\" color=\\\"yellow\\\" name=\\\"star-empty\\\"\\u003E\\u003C\\\/span\\u003E\\u003C\\\/div\\u003E\\n \\u003C\\\/div\\u003E\\n\\n \\u003Cscript type=\\\"application\\\/json\\\" class=\\\"js-react-component\\\" data-component-name=\\\"StarRating\\\"\\u003E{\\\"rating\\\":\\\"60\\\",\\\"stars\\\":5}\\u003C\\\/script\\u003E\\n\\n\\u003C\\\/div\\u003E\",\"842\",\"A+\"],[\"Citizens\",\"\\u003Cdiv class=\\\"ReactComponent--root\\\"\\u003E\\n \\u003Cdiv class=\\\"js-react-component-rendered js-react-component-StarRating\\\" data-component-name=\\\"StarRating\\\"\\u003E\\n \\u003Cdiv class=\\\"StyledStarRating-sc-c10iah jKtZiW\\\"\\u003E\\u003Cspan aria-hidden=\\\"true\\\" class=\\\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-fill\\\" color=\\\"yellow\\\" name=\\\"star-fill\\\"\\u003E\\u003C\\\/span\\u003E\\u003Cspan aria-hidden=\\\"true\\\" class=\\\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-fill\\\" color=\\\"yellow\\\" name=\\\"star-fill\\\"\\u003E\\u003C\\\/span\\u003E\\u003Cspan aria-hidden=\\\"true\\\" class=\\\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-half\\\" color=\\\"yellow\\\" name=\\\"star-half\\\"\\u003E\\u003C\\\/span\\u003E\\u003Cspan aria-hidden=\\\"true\\\" class=\\\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-empty\\\" color=\\\"yellow\\\" name=\\\"star-empty\\\"\\u003E\\u003C\\\/span\\u003E\\u003Cspan aria-hidden=\\\"true\\\" class=\\\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-empty\\\" color=\\\"yellow\\\" name=\\\"star-empty\\\"\\u003E\\u003C\\\/span\\u003E\\u003C\\\/div\\u003E\\n \\u003C\\\/div\\u003E\\n\\n \\u003Cscript type=\\\"application\\\/json\\\" class=\\\"js-react-component\\\" data-component-name=\\\"StarRating\\\"\\u003E{\\\"rating\\\":\\\"50\\\",\\\"stars\\\":5}\\u003C\\\/script\\u003E\\n\\n\\u003C\\\/div\\u003E\",\"NR\",\"A\"],[\"USAA\",\"\\u003Cdiv class=\\\"ReactComponent--root\\\"\\u003E\\n \\u003Cdiv class=\\\"js-react-component-rendered js-react-component-StarRating\\\" data-component-name=\\\"StarRating\\\"\\u003E\\n \\u003Cdiv class=\\\"StyledStarRating-sc-c10iah jKtZiW\\\"\\u003E\\u003Cspan aria-hidden=\\\"true\\\" class=\\\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-fill\\\" color=\\\"yellow\\\" name=\\\"star-fill\\\"\\u003E\\u003C\\\/span\\u003E\\u003Cspan aria-hidden=\\\"true\\\" class=\\\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-fill\\\" color=\\\"yellow\\\" name=\\\"star-fill\\\"\\u003E\\u003C\\\/span\\u003E\\u003Cspan aria-hidden=\\\"true\\\" class=\\\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-fill\\\" color=\\\"yellow\\\" name=\\\"star-fill\\\"\\u003E\\u003C\\\/span\\u003E\\u003Cspan aria-hidden=\\\"true\\\" class=\\\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-fill\\\" color=\\\"yellow\\\" name=\\\"star-fill\\\"\\u003E\\u003C\\\/span\\u003E\\u003Cspan aria-hidden=\\\"true\\\" class=\\\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-half\\\" color=\\\"yellow\\\" name=\\\"star-half\\\"\\u003E\\u003C\\\/span\\u003E\\u003C\\\/div\\u003E\\n \\u003C\\\/div\\u003E\\n\\n \\u003Cscript type=\\\"application\\\/json\\\" class=\\\"js-react-component\\\" data-component-name=\\\"StarRating\\\"\\u003E{\\\"rating\\\":\\\"90\\\",\\\"stars\\\":5}\\u003C\\\/script\\u003E\\n\\n\\u003C\\\/div\\u003E\",\"895\",\"A++\"]],\"footnote\":\"\",\"hideHeaderRow\":false,\"hasMarginBottom\":true,\"isExpandable\":true,\"isSortable\":false,\"maxWidth\":\"1215\",\"minWidth\":\"100%\",\"showSearch\":false,\"sortColumnIndex\":0,\"sortDirection\":\"asc\"}\u003C\/script\u003E\n\n\u003C\/div\u003E\u003C\/p\u003E\n\n\u003Cp\u003EJ.D. Power's Auto Claims Satisfaction Study is a yearly nationwide survey that asks insurance customers about their experience filing claims with their insurer. Higher scores are better, and the best possible rating is 1,000.\u003C\/p\u003E\n\n\u003Cp\u003EA.M. Best's Financial Strength Rating is a letter grade that describes the overall financial health of an insurance company and its ability to pay out claims. The best score is \"A++\". All of the companies that we studied received a \"Superior\" or \"Excellent\" Financial Strength Rating, meaning that they are well-equipped to pay out claims, even in difficult economic times.\u003C\/p\u003E\n\n\u003Cp\u003E","padding":"double"}

Average car insurance rates in Michigan by city

Drivers in Shoreham pay the lowest rates in the state. Full-coverage insurance costs $5,195 per year there. On the other hand, people living in Hamtramck , a suburb of Detroit, pay the highest rates in the state — $20,366 per year.

Where you live can impact your auto insurance rates just as much as how you drive. In Michigan, rates fluctuate significantly from city to city. The difference between the most and least expensive locations is more than $15,000 a year for a full-coverage policy.

City

Average annual rate

Percent from average

Acme $6,696 -6%
Addison $6,653 -7%
Adrian $6,686 -7%
Afton $5,936 -17%
Ahmeek $6,376 -11%

Show All Rows

Michigan car insurance requirements

Michigan is a no-fault state, and therefore requires drivers to carry personal injury protection along with the standard bodily injury and property damage liability coverages that most states require.

Personal injury protection (PIP) pays for physical injuries to you or your passengers in an accident, as well as any lost wages while you recover, regardless of who is at fault.

Coverage

Limit

Personal injury protection (PIP) $250,000 or opt-out
Property protection insurance $1 million per accident
Residual bodily injury liability $50,000 per person/$100,000 per accident
Residual property damage liability $10,000 per accident

Michigan passed an auto insurance reform, which took effect on July 1, 2020, with the intent of lowering costs for drivers statewide. The new Michigan auto insurance laws include two key changes related to minimum-coverage requirements:

  1. Drivers no longer have to purchase unlimited personal injury protection (PIP). They can now purchase a minimum of $250,000 in PIP coverage, or even opt out of PIP entirely if they have Medicare (Parts A and B). There is also an option to purchase only $50,000 in coverage if you are enrolled in Medicaid.
  2. Residual bodily injury and property damage liability limits were increased to the numbers cited above.

{"backgroundColor":"ice","content":"\u003C\/p\u003E\n\n\u003Cp\u003EMichigan passed an auto insurance reform, which took effect on July 1, 2020, with the intent of lowering costs for drivers statewide. The \u003Cspan\u003E\u003Ca class=\"ShortcodeLink--root ShortcodeLink--black\" title=\"\/auto-insurance\/michigan\/requirements\" href=\"https:\/\/www.valuepenguin.com\/auto-insurance\/michigan\/requirements\"\u003Enew Michigan auto insurance laws\u003C\/a\u003E\u003C\/span\u003E include two key changes related to minimum-coverage requirements:\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ShortcodeList--root\"\u003E\n\n \u003Cdiv class=\"ShortcodeList--content ShortcodeList--content-margin\"\u003E\n \u003Cdiv class=\"ShortcodeList--column\"\u003E\n \u003Col class=\"ListOrdered--root\"\u003E\n \u003Cli class=\"ListOrdered--list-item\"\u003EDrivers no longer have to purchase unlimited personal injury protection (PIP). They can now purchase a minimum of $250,000 in PIP coverage, or even opt out of PIP entirely if they have Medicare (Parts A and B). There is also an option to purchase only $50,000 in coverage if you are enrolled in Medicaid.\u003C\/li\u003E\n \u003Cli class=\"ListOrdered--list-item\"\u003EResidual bodily injury and property damage liability limits were increased to the numbers cited above.\u003C\/li\u003E\n \u003C\/ol\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\n\n\n","padding":"double"}

{"backgroundColor":"white","content":"\u003C\/p\u003E\n\n\u003Ch2 id=\"reqs\"\u003EMichigan car insurance requirements\u003C\/h2\u003E\n\n\u003Cp\u003EMichigan is a \u003Cspan\u003E\u003Ca class=\"ShortcodeLink--root ShortcodeLink--black\" title=\"What is No Fault Insurance?\" href=\"https:\/\/www.valuepenguin.com\/no-fault-auto-insurance\"\u003Eno-fault state\u003C\/a\u003E\u003C\/span\u003E, and therefore requires drivers to carry personal injury protection along with the standard bodily injury and property damage liability coverages that most states require.\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ShortcodePullquote--root\"\u003E\n \u003Cp class=\"ShortcodePullquote--text ShortcodePullquote--blue\"\u003E\n Personal injury protection (PIP) pays for physical injuries to you or your passengers in an accident, as well as any lost wages while you recover, regardless of who is at fault.\n \u003C\/p\u003E\n\u003C\/div\u003E\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ReactComponent--root\"\u003E\n \u003Cdiv class=\"js-react-component-rendered js-react-component-SortableTable\" data-component-name=\"SortableTable\"\u003E\n \u003Cdiv class=\"StyledRootWrapper-sc-3qeib4 jYHfZo\"\u003E\u003Cdiv class=\"StyledTableWrapper-sc-5nmmx9 fesmOM\"\u003E\u003Cdiv class=\"StyledTableOverflowWrapper-sc-hixhp9 gVbnK\"\u003E\u003Ctable class=\"StyledTable-sc-ujzn9t jVpJxq\"\u003E\u003Cthead class=\"StyledHeaderRow-sc-1m1b8dn hCELBb\"\u003E\u003Ctr\u003E\u003Cth colSpan=\"1\" width=\"\" class=\"StyledHeaderCell-sc-nsptsd frWuiR\"\u003E\u003Cdiv class=\"StyledColumnHeaderWrapper-sc-12xyb2r gPTwhA\"\u003E\u003Cspan\u003ECoverage\u003C\/span\u003E\u003C\/div\u003E\u003C\/th\u003E\u003Cth colSpan=\"1\" width=\"\" class=\"StyledHeaderCell-sc-nsptsd frWuiR\"\u003E\u003Cdiv class=\"StyledColumnHeaderWrapper-sc-12xyb2r glLrYA\"\u003E\u003Cspan\u003ELimit\u003C\/span\u003E\u003C\/div\u003E\u003C\/th\u003E\u003C\/tr\u003E\u003C\/thead\u003E\u003Ctbody class=\"StyledBody-sc-14y8oc0 dcdMVT\"\u003E\u003Ctr\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003E\u003Cstrong\u003E\u003Cspan\u003E\u003Ca class=\"ShortcodeLink--root ShortcodeLink--black\" title=\"What is Personal Injury Protection (PIP) Car Insurance and Should You Have It?\" href=\"https:\/\/www.valuepenguin.com\/personal-injury-protection-car-insurance\"\u003EPersonal injury protection (PIP)\u003C\/a\u003E\u003C\/span\u003E\u003C\/strong\u003E\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E$250,000 or opt-out\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003E\u003Cstrong\u003EProperty protection insurance\u003C\/strong\u003E\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E$1 million per accident\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003E\u003Cstrong\u003EResidual bodily injury liability\u003C\/strong\u003E\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E$50,000 per person\/$100,000 per accident\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003E\u003Cstrong\u003EResidual property damage liability\u003C\/strong\u003E\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E$10,000 per accident\u003C\/td\u003E\u003C\/tr\u003E\u003C\/tbody\u003E\u003C\/table\u003E\u003C\/div\u003E\u003C\/div\u003E\u003C\/div\u003E\n \u003C\/div\u003E\n\n \u003Cscript type=\"application\/json\" class=\"js-react-component\" data-component-name=\"SortableTable\"\u003E{\"alignsHorizontal\":[\"left\",\"right\"],\"alignsVertical\":[],\"columnWidths\":[],\"data\":[[\"Coverage\",\"Limit\"],[\"\\u003Cstrong\\u003E\\u003Cspan\\u003E\\u003Ca class=\\\"ShortcodeLink--root ShortcodeLink--black\\\" title=\\\"What is Personal Injury Protection (PIP) Car Insurance and Should You Have It?\\\" href=\\\"https:\\\/\\\/www.valuepenguin.com\\\/personal-injury-protection-car-insurance\\\"\\u003EPersonal injury protection (PIP)\\u003C\\\/a\\u003E\\u003C\\\/span\\u003E\\u003C\\\/strong\\u003E\",\"$250,000 or opt-out\"],[\"\\u003Cstrong\\u003EProperty protection insurance\\u003C\\\/strong\\u003E\",\"$1 million per accident\"],[\"\\u003Cstrong\\u003EResidual bodily injury liability\\u003C\\\/strong\\u003E\",\"$50,000 per person\\\/$100,000 per accident\"],[\"\\u003Cstrong\\u003EResidual property damage liability\\u003C\\\/strong\\u003E\",\"$10,000 per accident\"]],\"footnote\":\"\",\"hideHeaderRow\":false,\"hasMarginBottom\":true,\"isExpandable\":true,\"isSortable\":false,\"maxWidth\":\"1215\",\"minWidth\":\"100%\",\"showSearch\":false,\"sortColumnIndex\":0,\"sortDirection\":\"asc\"}\u003C\/script\u003E\n\n\u003C\/div\u003E\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ReactComponent--root\"\u003E\n \u003Cdiv class=\"js-react-component-rendered js-react-component-Panel\" data-component-name=\"Panel\"\u003E\n \u003Cdiv class=\"PanelRoot-sc-1o7qkaw efMzqR\"\u003E\u003Cdiv class=\"Panel--content\"\u003E\u003C\/p\u003E\n\n\u003Cp\u003EMichigan passed an auto insurance reform, which took effect on July 1, 2020, with the intent of lowering costs for drivers statewide. The \u003Cspan\u003E\u003Ca class=\"ShortcodeLink--root ShortcodeLink--black\" title=\"\/auto-insurance\/michigan\/requirements\" href=\"https:\/\/www.valuepenguin.com\/auto-insurance\/michigan\/requirements\"\u003Enew Michigan auto insurance laws\u003C\/a\u003E\u003C\/span\u003E include two key changes related to minimum-coverage requirements:\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ShortcodeList--root\"\u003E\n\n \u003Cdiv class=\"ShortcodeList--content ShortcodeList--content-margin\"\u003E\n \u003Cdiv class=\"ShortcodeList--column\"\u003E\n \u003Col class=\"ListOrdered--root\"\u003E\n \u003Cli class=\"ListOrdered--list-item\"\u003EDrivers no longer have to purchase unlimited personal injury protection (PIP). They can now purchase a minimum of $250,000 in PIP coverage, or even opt out of PIP entirely if they have Medicare (Parts A and B). There is also an option to purchase only $50,000 in coverage if you are enrolled in Medicaid.\u003C\/li\u003E\n \u003Cli class=\"ListOrdered--list-item\"\u003EResidual bodily injury and property damage liability limits were increased to the numbers cited above.\u003C\/li\u003E\n \u003C\/ol\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\n\n\n\u003C\/div\u003E\u003C\/div\u003E\n \u003C\/div\u003E\n\n\n \u003Cdiv class=\"js-react-component\" data-component-name=\"Panel\"\u003E{\"backgroundColor\":\"ice\",\"content\":\"\\u003C\\\/p\\u003E\\n\\n\\u003Cp\\u003EMichigan passed an auto insurance reform, which took effect on July 1, 2020, with the intent of lowering costs for drivers statewide. The \\u003Cspan\\u003E\\u003Ca class=\\\"ShortcodeLink--root ShortcodeLink--black\\\" title=\\\"\\\/auto-insurance\\\/michigan\\\/requirements\\\" href=\\\"https:\\\/\\\/www.valuepenguin.com\\\/auto-insurance\\\/michigan\\\/requirements\\\"\\u003Enew Michigan auto insurance laws\\u003C\\\/a\\u003E\\u003C\\\/span\\u003E include two key changes related to minimum-coverage requirements:\\u003C\\\/p\\u003E\\n\\n\\u003Cp\\u003E\\u003Cdiv class=\\\"ShortcodeList--root\\\"\\u003E\\n\\n \\u003Cdiv class=\\\"ShortcodeList--content ShortcodeList--content-margin\\\"\\u003E\\n \\u003Cdiv class=\\\"ShortcodeList--column\\\"\\u003E\\n \\u003Col class=\\\"ListOrdered--root\\\"\\u003E\\n \\u003Cli class=\\\"ListOrdered--list-item\\\"\\u003EDrivers no longer have to purchase unlimited personal injury protection (PIP). They can now purchase a minimum of $250,000 in PIP coverage, or even opt out of PIP entirely if they have Medicare (Parts A and B). There is also an option to purchase only $50,000 in coverage if you are enrolled in Medicaid.\\u003C\\\/li\\u003E\\n \\u003Cli class=\\\"ListOrdered--list-item\\\"\\u003EResidual bodily injury and property damage liability limits were increased to the numbers cited above.\\u003C\\\/li\\u003E\\n \\u003C\\\/ol\\u003E\\n \\u003C\\\/div\\u003E\\n \\u003C\\\/div\\u003E\\n\\u003C\\\/div\\u003E\\n\\n\\n\",\"padding\":\"double\"}\u003C\/div\u003E\n\u003C\/div\u003E \n","padding":"double"}

Recap of the cheapest car insurance in Michigan

  • Minimum coverage: Auto-Owners
  • Full coverage: Progressive
  • After a speeding ticket: Progressive
  • After an at-fault accident: Progressive
  • After a DUI: Progressive
  • Young drivers: Auto-Owners
  • Young drivers after a ticket: Auto-Owners
  • Young drivers after an accident: Auto-Owners

Methodology

We collected thousands of rates from ZIP codes across Michigan for the largest insurers in the state using a sample driver with the following profile:

  • 30-year-old male
  • Drives a 2015 Honda Civic EX
  • Average credit score

The base policy for the study was a full-coverage policy with the following limits:

Coverage

Limit

Bodily injury liability $50,000 per person/$100,000 per accident
Personal injury protection $250,000
Property damage liability $25,000 per accident
Uninsured/underinsured motorist bodily injury $50,000 per person/$100,000 per accident
Comprehensive and collision $500 deductible

For our minimum-coverage policy, we quoted a policy with the minimum required limits in Michigan.

For other rate analyses (credit score and driving history) the base policy listed above was alternated to reflect the new driver. For young drivers, quotes are based on a minimum-coverage policy for an 18-year-old male.

What's the Cheapest Car Insurance in Michigan

Source: https://www.valuepenguin.com/best-cheap-car-insurance-michigan

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