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Cheapest Car Insurance in Michigan

Michigan, bordering 4 of the 5 Great Lakes, is proud to be known as the state with the most lighthouses. Living in the largest state east of the Mississippi River, Michigan residents enjoy world-class attractions as well as vast scenic wonders. This “Winter Wonderland” attracts tourists for its beauty on the northern peninsula and for its major industry on the southern. Michigan drivers enjoy white winters and warm, pleasant summers, so Cheap Car Insurance has put all the information drivers will need right here in one spot. That way, Michigan drivers can spend time enjoying “The Wolverine State” instead of searching for information.


Michigan’s past reveals a spirit of change and adaptation. The state’s driving laws and regulations have changed quite a bit as well, so this list will help the driver easily understand the important points of driving in Michigan.

Minimum Requirements for Car Insurance in Michigan

  • Michigan’s Department of Insurance and Financial Services requires all Michigan vehicles to purchase no-fault automobile insurance. Michigan outlines the minimums for only the Residual Liability portion of the policy:
  • Liability Coverage minimums:
    • $20,000 per individual to cover bodily injury or death.
    • $40,000 per accident involving bodily injuries or deaths.
    • $10,000 for property damage.

Failure to maintain proper insurance can result in fines and vehicle impounds

New Driver Licensing Requirements:

  • Michigan’s booklet, What Every Driver Must Know, serves as its driver’s manual. All Michigan drivers must be properly licensed to operate a vehicle within the state, and all new drivers age 18 and older may obtain a license by completing the following steps:
    • Prove Michigan residency
    • Pass the vision and knowledge tests
    • Drive for at least 30 days on a Temporary Instruction Permit
    • Pass the road skills test and pay the appropriate fees
  • Drivers possessing an out-of-state license that is current may waive the knowledge and driving tests as well as the Temporary Instruction Permit.
  • Michigan drivers under the age of 18, however, must participate in the Graduated Driver’s License Program (GDL). Outlined in the manual, this program involves three licenses prior to obtaining a full driver’s license: Level 1 License, Level 2 License, Level 3 License:
    • Level 1 License. Applicants age 14 years, 8 months may enroll in Segment 1 of the driver education portion of the GDL. This includes:
      • 24 class hours
      • 6 hours of driving instruction
      • 4 hours of driving observation
    • Once the applicant has completed the driver education portion and has reached 14 years, 9 months of age, he/she may apply for the Level 1 License. The following applies in this stage:
      • The applicant must be accompanied by a licensed driver age 21 or older.
      • The applicant must complete 50 hours of driving time, with 10 hours of night driving.
      • The applicant must hold the license for at least 6 consecutive months.
      • The applicant must complete Segment 2 of the driver education course. To do so, the applicant must:
        • Held the Level 1 License for at least 3 months
        • Log at least 30 of the 50 driving hours
    • Level 2 License. To hold a Level 2 License, the applicant must complete Level 1 and pass the driving skills test. During this level, the following applies:
      • Must be at least 16 years of age
      • May not drive between 10 pm and 5 am unless:
        • Driving to and from employment or an “authorized activity” (refer to the driver’s manual)
        • Accompanied by a parent/legal guardian or a licensed driver age 21 or older
      • Hold the license for at least 6 months
      • May not drive with a passenger under age 21, with a few exceptions listed in the driver’s manual
    • Level 3 License. Applicants who successfully complete Levels 1 and 2 and reach age 17 will automatically move to a Level 3. This license becomes a full license when the holder turns 18.
  • Vision Exam. For an unrestricted license, applicants must pass the vision test with a visual acuity of at leat 20/40 and a peripheral of at least 140 degrees. Restrictions apply to drivers with visual acuity of less than 20/40 to 20/50 and a peripheral vision of less than 140 to 110 degrees. Daylight driving restrictions may be applied to drivers with visual acuity of less than 20/50 to 20/70.
  • Knowledge Test. The knowledge test is a written exam that evaluates the applicant’s understanding of basic traffic laws, regualations, signs and procedures. Information to pass the test can be found in the Michigan driver’s manual.
  • Road Skills Test. The road skills test evaluates the applicant’s ability regarding vehicle knowledge and control. Michigan has provided the Road Skills Test Study Guide to prepare applicants for the exam. The test consists of 3 parts:
    • The Vehicle Inspection
    • Basic Control Skills
    • On-Street Driving Test
  • Lists for the items included in the vehicle inspection and for the reguired maneuvers/knowledge to pass the driving test are included in the study guide.
  • Fees. Every applicant must pay a $25 fee for a new Michigan drivers license


  • BAC limit: .08 Michigan’s Secretary of State has provided a web page full of useful information regarding the state’s Operating While Intoxicated (OUI) laws. Listed below are the major penalties for OWI convictions in Michigan:
  • First Offense:
    • Fine: $100 – $500 and one or more of the following
      • maximum 93 days in jail
      • maximum 360 hours community service
    • License suspension: 30 days followed by a restricted license for 150 days
    • Possible Ignition Interlock Device (IID)
    • Possible vehicle immobilization
    • Driver Responsibility Fee: $1,000 for 2 consecutive years
    • BAC of .17 or higher increases the severity of each penalty
  • Second Offense within 7 Years:
    • Fine: $200 – $1,000 and one or more of the following:
      • Jail: 5 days to 1 year
      • 30 to 90 days community service
    • License revocation: 1 year
    • License plate confiscation
    • Vehicle immobilization for 90 to 180 days
    • Possible vehicle forfeiture
    • Driver Responsibility Fee: $1,000 for 2 consecutive years
  • Third Offense within a Lifetime – Felony:
    • Fine: $500- $5,000 and one of the following:
      • Jail: 1 to 5 years
      • Probation with 30 days to 1 year in jail
    • Community service: 60 to 180 days
    • License revocation: minimum 1 year
    • License plate confiscation
    • Vehicle immobilization: 1 to 3 years
    • Possible vehicle forfeiture
    • Vehicle registration denial
    • Driver Responsibility Fee: $1,000 for 2 consecutive years

OWI offenses involving minors, serious injury or death greatly increase penalties including permanent license revocations.

Texting & Driving Laws

Michigan has banned texting for all drivers, according to Cell phone use, whether handheld or hands-free, is band from all novice drivers.

Unique Laws

Michigan does a good job of keeping its citizens organized and honest. For instance, in Harper Woods, it is illegal to paint a sparrow with the purpose of selling it as a parakeet. It is also illegal for a man to make faces at his wife on Sundays, and if one would like to keep one’s cow on main street, the cost is 3 cents per day!


Best Cheap Car Insurance Quotes for Michigan

Wayne County Car Insurance

The largest county in Michigan by population, Wayne County has shoreline along both Lake Erie on its southeast end, and Lake St. Clair on its northeast. At its eastern boundary located on Detroit River is the county seat of Detroit, which is the largest city in the state.

Known as motor city for its ties to the auto industry, Detroit is also hailed as the birthplace of Motown Records and its original headquarters, Hitsville U.S.A., remains. The city is also famous for the industry murals painted by artist Diego Rivera at the neoclassical Detroit Institute of the Arts. The city is also a main port on the Detroit River.

County Sedan Suv Coupe Truck Hybrid

Oakland County Car Insurance

Immediately northwest of Detroit, Oakland County is the second most populous county in Michigan. Its economy has shifted toward engineering and related occupations in an initiative known as "Automation Alley." It is also home to Oakland University, which straddles the cities of Auburn Hills and Rochester Hills.

The county seat of Pontiac, named for the automobiles once assembled there, is located only 12 miles from Detroit. Pontiac's Silverdome was the home of the Detroit Lions until the team returned to downtown Detroit in 2002. Oakland County's largest city, Troy, had a population of 80,980 at the 2010 Census, and is a retail and commercial destination of the metro Detroit area.

County Sedan Suv Coupe Truck Hybrid

Macomb County Car Insurance

Located in the eastern portion of Michigan, Macomb County lies along the northwest shore of Lake St. Clair. Home to Detroit's northern suburbs, it is home to 27 municipalities including the larger communities of Warren, Sterling Heights and Clinton Township. The county's southeast border with Canada lies across Lake St. Clair.

Mount Clemens, the county seat, is often called "the Clem" by locals, and is a nightlife destination in Macomb County. The town of Romeo is the birthplace of artist Kid Rock, who began his DJ and rapper career in Mount Clemens.

County Sedan Suv Coupe Truck Hybrid

Kent County Car Insurance

An economic and manufacturing center of the region, the southern Michigan County of Kent had a population of 602,622 at the 2010 Census. The Grand River flows through Kent County though Grand Rapids, the county seat and largest city, before emptying into Lake Michigan.

Nicknamed furniture city, Grand Rapids is home to a number of large office furniture companies. It's also the hometown and final resting place of U.S. President Gerald Ford, and site of the Gerald R. Ford Presidential Museum and Library. Points of interest also include Frederik Meijer Gardens and Sculpture Park, Meyer May House and John Ball Zoo.

County Sedan Suv Coupe Truck Hybrid

Genesee County Car Insurance

The mostly flat county of Genesee in southern central Michigan is home to an estimated 415,000. Interstate 75 bisects the county running south to Detroit. Interstate 69 runs east-to-west through Flint, the county seat and population center.

The birthplace of General Motors, Flint lies along the Flint River about 65 miles northwest of Detroit. Nicknamed "Vehicle City," it was once a hub for the manufacture of carriages, and then later for autos. It was the site of the famous 1936-37 Flint Sit-Down Strike, which lead to the creation of the United Auto Workers.

County Sedan Suv Coupe Truck Hybrid

Washtenaw County Car Insurance

Due east of Detroit along Interstate 94, Washtenaw County in southern Michigan had a population of 344,791 at the 2010 Census. It is home to the University of Michigan, Eastern Michigan University, Washtenaw Community College and Concordia University Ann Arbor.

Ann Arbor, the county seat, is 35 miles west of Detroit and nicknamed "tree town," for its tree-lined streets and parks. The Ann Arbor Hands-On Museum is located in a renovated historic fire station downtown. Near Ann Arbor is the Domino's Pizza headquarters on the 271-acre Domino's Farms. The company was founded in 1960 in the nearby town of Ypsilanti.

County Sedan Suv Coupe Truck Hybrid

Ingham County Car Insurance

Located in the area known as "Mid-Michigan," Ingham County encompasses most of Lansing, the Michigan capital and its southeast suburbs. Interstate 96 runs east-west through the northern third of the county. Lansing is the only state capital that is not also a county seat. That title is held by Mason, a town of about 8,300.

Mason is the site where a county juvenile home once housed Malcolm X, then known as Malcolm Little. Each August, the Michigan Pride Festival parade winds its way to the capital from Riverport Park. The Common Ground Festival in July began in 2000 and draws an estimated 90,000 to downtown Lansing during the week-long music event.

County Sedan Suv Coupe Truck Hybrid

Ottawa County Car Insurance

Situated between the western shore of Lake Michigan and Grand Rapids, Ottawa County had 263,801 residents at the 2010 Census. Interstate 96 runs through the county from Grand Rapids, while Interstate 196 travels to the southwest. The county seat is Grand Haven, a town of about 11,000 at the mouth of the Grand River on Lake Michigan.

A beach resort, Grand Haven is popular for boating, fishing and biking. Ottawa County's largest city, Holland, is best known for its Dutch Heritage and culture. Points of interest include Holland State Park Beach, Windmill Island Gardens, Neli's Dutch Village and Tunnel Park.

County Sedan Suv Coupe Truck Hybrid

Kalamazoo County Car Insurance

Bisected by Interstate 94, Kalamazoo County is home to an estimated 260,000. Its seat and largest city is Kalamazoo, named for the river on which it lies. Kalamazoo was term in the Potawomi language whose meaning is debated, and translations vary from "otter tail" to "boiling pot."

The county is home of a number of breweries, distilleries and flavorings companies. One of its most unique features is a pedestrian mall created in 1959 by closing part of Burdick Street to traffic. Popular events in Kalamazoo include the Kalamazoo Animation Festival International held every other year, the New Year's Eve Fest and an "Eccentric Day."

County Sedan Suv Coupe Truck Hybrid

Saginaw County Car Insurance

Located in central Michigan or "Mid-Michigan," Saginaw County had a population of 200,169 at the 2010 Census. Interstate 75 travels through Saginaw to Flint 40 miles to the south.

The county seat and river that runs through it bear the same name, as does the famous Bill Anderson and Don Wayne song, "Saginaw Michigan," recorded by numerous artists include Lefty Frizzell and George Jones. The city is also mentioned in the Simon & Garfunkel song, "America." Saginaw was a songwriting hub from the late 1800s to the 1940s, producing tunes such as "All of Me," "Toot Toot Tootsie" and "Stand Up, Stand Up for Jesus."

County Sedan Suv Coupe Truck Hybrid

County Sedan Suv Coupe Truck Hybrid
Grand Traverse$2,048.00$1,508.00$1,823.00$1,504.00$2,018.00
Presque Isle$2,131.00$1,647.00$2,010.00$1,508.00$2,004.00
St. Clair$2,261.00$1,689.00$2,046.00$1,590.00$2,104.00
St. Joseph$2,132.00$1,572.00$1,890.00$1,526.00$2,015.00
Van Buren$2,040.00$1,557.00$1,880.00$1,440.00$1,899.00
Wexford$2,193.00$1,650.00$1,990.00$1,540.00$2,043.00 Methodology

Car insurance quotes are for one car and one driver who has state minimum coverage with $500 comprehensive and collision deductibles. The hypothetical driver is 40 years old, female, married, employed, a college graduate, and has good credit. She has no moving violations, accidents, claims, or lapse in coverage. The vehicles are assumed to be garaged on premises, used primarily for commuting, and driven 16,000 miles per year. Car insurance quotes include commonly available discounts and are estimates and not guaranteed.

Average Car Insurance Premiums reports that Michigan’s auto insurance premiums have fluctuated above and below the national average for many years. Both the state’s average premiums and its average premiums as a percentage of income remain above the national average.

Drunk Driving Fatalities

Michigan, after a rise in drunk driving fatalities in 2011, has since seen a drop off, according to the National Highway Traffic Safety Administration. The state is below the national average and showing a downward trend.

Teen Drinking and Driving

Michigan reports that its teens drink and drive less than teens across the nation.

Vehicular Theft in Michigan

According to a recent study by the FBI, Michigan’s auto thefts usually exceed the national average. That changed in 2014 when thefts dropped just below the national average.

Cheap Car Insurance understands you work hard for your money so, why spend more on your affordable auto insurance. Here is a list of some of the car insurance discounts that will help keep your hard-earned money in your pockets:

  • Multi-car insurance discount
  • Good student discount
  • Military discount
  • Car safety features discount
  • Anti-theft discount
  • Bundling your auto with home or renters
  • Defensive driving discount
  • Usage or low-mileage discount
  • Senior citizen discount
  • Mature driver discount

Insurance discounts may vary by state so, contact us today to see if you qualify for any of these car insurance discounts!

Driver RatingBest Rate Option
Good driversAuto-Owners Insurance
Young driversThe Hanover
Drivers with an at-fault crashAuto-Owners Insurance
Drivers with poor creditAuto-Owners Insurance
Retired driversFrankenmuth


State Department of Insurance

Michigan Department of Insurance and Financial Services
611 W Ottawa St, 3rd Floor
Lansing, MI 48933-1070
(517) 373-0220
877-999-6442 (Toll-Free)
Get Directions

Department of Transportation

Michigan Department of Transportation
State Transportation Building
425 W. Ottawa St.
P.O. Box 30050
Lansing, MI 48909
(517) 373-2090
Get Directions

Department of Motor Vehicles

Michigan Secretary of State
3315 Michigan Ave.
Lansing, MI 48912
(888) SOS-MICH
(888) 767-6424
Get Directions

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