Cheap car insurance in Michigan comes down to Progressive among the four insurers we compared: $172 a month for full coverage and $168 for 50/100/50, the package that carries the lowest bodily-injury limits Michigan allows. For Michigan car insurance quotes at Liability Only 20/40/10, Auto-Owners Insurance Co is lowest at $67.
How much is car insurance in Michigan? Our four-insurer average is $361 a month for full coverage, and one insurer explains most of the distance from the cheapest price: Hanover charges $708. Without Hanover the other three average $245. The $67 liability-only price comes with injury limits under Michigan’s lowest choice. Michigan’s no-fault system adds layers of its own: a choice of bodily-injury limits and six PIP medical options, and none of our prices include PIP.
The map is just as lopsided. The same driver and car cost $436 a month more in Detroit’s 48205 ($706) than in Coloma’s 49038 ($270). Wayne County, home to the five priciest ZIP codes we priced, averages $497 a month on full coverage (67 ZIP codes behind that figure), while Ottawa County averages $298.
Page updated Nov. 1, 2026. Source: Quadrant Information Services, Michigan rates dated Sept. 30, 2026, applied to a single driver profile. Modeled prices, not offers to sell. Method and sample details
Cheapest Car Insurance in Michigan: The Quick Answer
The lowest price among four insurers, per month, at each coverage level
Full coverage (100/300/100, $500 deductibles)
Progressive
$172/mo
$2,061 a year. Next: Auto-Owners Insurance Co, $263.
50/100/50, $500 deductibles
Progressive
$168/mo
$2,011 a year. Next: Auto-Owners Insurance Co, $272.
Lowest bodily-injury limits Michigan allows
Liability Only 20/40/10
Auto-Owners Insurance Co
$67/mo
$804 a year. Next: Hanover, $80.
Injury limits below Michigan’s lowest choice
How Much Is Car Insurance in Michigan? The Average Cost of Car Insurance in Michigan
For average Michigan car insurance costs, we average Progressive, Auto-Owners Insurance Co, State Farm and Hanover. Our sample driver pays $361 a month ($4,327 a year) for full coverage, $351 ($4,210) for the 50/100/50 package and $91 ($1,090) for Liability Only 20/40/10. Those averages lean on Hanover. Its full-coverage price of $708 is $347 above the four-insurer average, while Progressive’s $172 is $189 below it.
Average Car Insurance Costs in Michigan and Michigan Car Insurance Rates
Take Hanover out and the other three average $245 a month for full coverage ($2,939 a year), $242 for 50/100/50 and $95 for Liability Only 20/40/10. Hanover stays in every ranking and average, so you can read the numbers either way. More on Hanover.
The $67 Liability Only 20/40/10 price is under Michigan’s lowest bodily-injury choice
Our Liability Only 20/40/10 package carries injury limits of $20,000 per person and $40,000 per crash. Michigan lets a driver choose lower bodily-injury limits than the 250/500 default, but the lowest choice is 50/100. The cheapest package we priced with injury limits at that lowest choice is 50/100/50, and Progressive charges $168 a month for it. No price on this page includes PIP medical coverage.
Michigan No-Fault Car Insurance: Injury Limits and PIP Medical Choices
Two of Michigan’s layers are choices you make when you buy: how much bodily-injury liability to carry and which PIP medical option to take. Our prices cover the first choice and leave out the second, so the cheapest no-fault car insurance Michigan shoppers can find here, Progressive at $172 a month for full coverage, still excludes PIP medical.
Michigan State Minimum Car Insurance? A 250/500 Default and a 50/100 Lowest Choice
Michigan’s default bodily-injury limits are 250/500. A driver may choose lower limits through the Choice of Bodily Injury Liability Coverage Limits form, and the lowest choice is 50/100. That applies to policies issued or renewed after July 1, 2020. Sources: the Michigan DIFS page on choosing bodily injury coverage and the DIFS publication on auto insurance choices.
| Limits | Each person | Each crash | At or above the lowest choice? |
|---|---|---|---|
| Our Liability Only 20/40/10 | $20,000 | $40,000 | No |
| Michigan’s lowest choice | $50,000 | $100,000 | Baseline |
| Our 50/100/50 | $50,000 | $100,000 | Yes, at it |
| Michigan’s default | $250,000 | $500,000 | Above it |
The table lines up injury limits only. Our full-coverage package carries 100/300 injury limits, above the lowest choice and below the default.
PIP medical coverage: six options, none in our prices
Under Michigan’s no-fault rules, PIP medical coverage comes in six options. Source: the Michigan DIFS page on choosing PIP medical coverage.
- Unlimited, which is the default.
- Up to $500,000.
- Up to $250,000.
- Up to $250,000 with PIP medical exclusion(s).
- Up to $50,000, for Medicaid enrollees only.
- Opt-out, for people with Medicare A and B only.
We priced no PIP or other medical-payments coverage in any package, so PIP medical is absent from every figure here. A real quote adds whichever option you pick on top, so ask each company to price the same one.
Farm Bureau Insurance of Michigan: shown separately
Quadrant priced Farm Bureau Insurance of Michigan in all 480 ZIP codes. We keep the company apart: nothing it charges feeds any ranking, average, county figure or ZIP figure on this page. The prices are listed so nothing is hidden: $331 a month ($3,973 a year) for full coverage, $327 ($3,923) for 50/100/50 and $72 ($858) for Liability Only 20/40/10. It is never cheaper than the insurer we name at each level: its liability-only price is $5 above Auto-Owners Insurance Co’s $67, and its other two prices sit far above Progressive’s $172 and $168. Its own quote can differ from ours, so check with the company.
Car Insurance Michigan Cheapest by Coverage Level: Who Wins Each Tier
Two tiers belong to Progressive, with Auto-Owners Insurance Co in second place both times: full coverage and 50/100/50. At Liability Only 20/40/10 the order is different. Auto-Owners leads, Hanover is second and Progressive third. State Farm is third on the other two tiers and last on liability-only. Dollar figures for each step follow.
Tier 1: Liability alone
Liability Only 20/40/10
Cheapest: Auto-Owners Insurance Co, $67/mo ($804/yr)
Michigan average: $91/mo. Hanover is $13 higher, Progressive $19 and State Farm $63. Injury limits are below the lowest choice.
Tier 2: Lowest allowed injury limits
50/100/50 liability with $500 deductibles
Cheapest: Progressive, $168/mo ($2,011/yr)
Michigan average: $351/mo. Auto-Owners Insurance Co is $104 higher, State Farm $119 and Hanover $508. Collision and comprehensive on your own car are part of it.
Tier 3: Widest protection
Full coverage (100/300/100 limits, $500 deductibles)
Cheapest: Progressive, $172/mo ($2,061/yr)
Michigan average: $361/mo. Auto-Owners Insurance Co is $91 higher, State Farm $128 and Hanover $536.
On two tiers Progressive’s lead is nearly complete: lowest on full coverage in 479 of 480 ZIP codes and lowest on 50/100/50 in all 480. Auto-Owners Insurance Co owns the one remaining full-coverage ZIP code. Liability Only 20/40/10 is another story: Auto-Owners is lowest in 435 ZIP codes, Hanover in 40 and Progressive in only 5. State Farm does not post the lowest price in a single ZIP code.
Find a Michigan Policy With the Lowest Allowed Injury Limits
Car Insurance in Michigan by Company: Progressive, Auto-Owners, State Farm and Hanover
The Michigan ranking holds four insurers, each with a price in all 480 ZIP codes. Other companies write auto insurance in Michigan too, so the four are a sample rather than the whole market. Each bar below is one insurer’s monthly price for full coverage, with the same driver and car behind every bar; a shorter bar is a cheaper insurer.
Auto-Owners Insurance Co$263
State Farm$300
Hanover$708
The bars show 100/300/100 liability with $500 deductibles. Average of the four: $361 a month. Farm Bureau Insurance of Michigan is not drawn; see the box with its prices.
| Insurer | Liability Only 20/40/10 | 50/100/50 | Full coverage |
|---|---|---|---|
| Progressive | $86 ($1,036) | $168 ($2,011) | $172 ($2,061) |
| Auto-Owners Insurance Co | $67 ($804) | $272 ($3,268) | $263 ($3,153) |
| State Farm | $130 ($1,563) | $287 ($3,445) | $300 ($3,602) |
| Hanover | $80 ($955) | $676 ($8,114) | $708 ($8,494) |
| Four-insurer average | $91 | $351 | $361 |
From the cheapest full-coverage price to the priciest is $536 a month, or $6,433 a year, with Hanover at the top. State Farm, the second-highest, still charges $128 a month more than Progressive.
Hanover: kept in, but far above the other three
Hanover’s full-coverage average is $8,494 a year, or $708 a month, while the other three range from $172 to $300. Its 50/100/50 price is $676. We keep it in the rankings and every average because it priced all 480 ZIP codes, and that pulls the averages up. The other three average $245 a month for full coverage ($2,939 a year), $95 for Liability Only 20/40/10 and $242 for 50/100/50. With Hanover the full-coverage average is $361, $116 more a month.
The picture flips for Liability Only 20/40/10. Hanover’s $80 a month is the second-lowest price at that level, behind only Auto-Owners Insurance Co’s $67, and it posts the lowest price in 40 ZIP codes. County and ZIP tables include Hanover, so they run higher than they would without it.
Auto-Owners: 50/100/50 priced above full coverage
One price pair looks backwards in our data. Auto-Owners Insurance Co’s 50/100/50 package averages $272 a month, $9 more than its full-coverage average of $263, even though full coverage carries more protection. We show both figures as Quadrant returned them and have not adjusted either.
Which Michigan Package Fits: Liability Only 20/40/10, 50/100/50 or Full Coverage?
The expensive step is from Liability Only 20/40/10 to 50/100/50: $351 a month against $91 on average, $260 a month and $3,120 a year more. That step lifts injury limits to Michigan’s lowest choice, raises property damage coverage and adds collision and comprehensive, and we cannot split the price among them. Going on to full coverage adds just $10 a month on average ($351 against $361).
Progressive’s full coverage is only $4 a month above its 50/100/50 price, State Farm’s gap is $13 and Hanover’s $32; Auto-Owners runs the other way, as covered above. Ask each company to price both.
Cheap Car Insurance in Michigan: Detroit, Grand Rapids and the Rest of the State
Our data spans 70 Michigan counties and 480 ZIP codes. Ranking requires three or more priced ZIP codes in a county, and 43 counties clear that bar. The other 27 have one or two and get their own list further down. A dagger (†) flags a county with only three or four ZIP codes behind its average, which makes that average a rough guide.
Cheap Car Insurance Michigan by County: Cheapest to Priciest on Full Coverage
| County (ZIPs) | Full coverage | Liability Only 20/40/10 |
|---|---|---|
| Midland County† (4) | $283 | $68 |
| Bay County (5) | $289 | $71 |
| Berrien County (8) | $296 | $67 |
| Monroe County (9) | $296 | $89 |
| Allegan County (7) | $297 | $62 |
| Ottawa County (10) | $298 | $60 |
| Clinton County† (3) | $302 | $66 |
| Kalamazoo County (13) | $307 | $64 |
| Saginaw County (12) | $310 | $80 |
| Livingston County (7) | $310 | $71 |
| Saint Clair County (11) | $310 | $81 |
| Washtenaw County (13) | $312 | $72 |
| Cass County† (3) | $314 | $74 |
| Van Buren County (8) | $317 | $65 |
| Muskegon County (9) | $320 | $69 |
| Eaton County (6) | $321 | $69 |
| Grand Traverse County (7) | $321 | $66 |
| Shiawassee County (5) | $322 | $71 |
| Isabella County† (3) | $324 | $72 |
| Marquette County† (4) | $325 | $62 |
| Lenawee County (6) | $326 | $75 |
| Houghton County† (3) | $327 | $61 |
| Lapeer County (8) | $327 | $77 |
| Kent County (27) | $328 | $66 |
| Gratiot County† (3) | $332 | $70 |
| Barry County† (4) | $334 | $66 |
| Ionia County (5) | $335 | $66 |
| Ingham County (13) | $336 | $71 |
| Saint Joseph County† (3) | $338 | $68 |
| Jackson County (7) | $340 | $70 |
| Branch County† (3) | $340 | $65 |
| Sanilac County† (3) | $340 | $77 |
| Tuscola County† (4) | $341 | $77 |
| Oceana County† (3) | $348 | $70 |
| Montcalm County (5) | $350 | $71 |
| Charlevoix County† (3) | $352 | $63 |
| Newaygo County† (4) | $357 | $71 |
| Clare County† (4) | $361 | $76 |
| Calhoun County (6) | $366 | $72 |
| Oakland County (63) | $366 | $98 |
| Genesee County (19) | $372 | $100 |
| Macomb County (34) | $399 | $124 |
| Wayne County (67) | $497 | $157 |
| Michigan (480) | $361 | $91 |
† Three or four priced ZIP codes. Every figure averages the four ranked insurers, Hanover included.
Among ranked counties, Midland County† is cheapest on full coverage at $283 a month ($3,397 a year, from 4 ZIP codes), and Bay County (5 ZIP codes) follows at $289. Wayne County is the priciest at $497 ($5,967), based on 67 ZIP codes. That $214-a-month difference is $2,570 over twelve months. For Liability Only 20/40/10, Ottawa County is lowest at $60 and Wayne highest at $157. For 50/100/50, Midland County† averages $278 and Wayne County $478.
Detroit and Wayne County
Wayne County stands alone at the top. Its $497 full-coverage average is $136 a month above the Michigan average of $361, and the next county, Macomb, is $98 a month lower at $399. The five priciest full-coverage ZIP codes in our data are all Detroit ZIP codes in Wayne County, and every one averages above $8,100 a year: 48205, 48234, 48202, 48213 and 48227. The priciest, 48205, averages $706 a month ($8,468 a year). Detroit also holds the three priciest ZIP codes for Liability Only 20/40/10, led by 48213 at $236. Macomb (34 ZIP codes) averages $399, Genesee $372 and Oakland $366, only $5 above the Michigan average.
Cheap Michigan Car Insurance in Grand Rapids, West Michigan and Berrien County
Kent County, home of Grand Rapids, averages $328 a month for full coverage across 27 ZIP codes, which is $33 below the Michigan average and $169 below Wayne County. Ottawa County averages $298 across 10 ZIP codes and Allegan County $297 across 7. Ottawa County is also the cheapest ranked county for Liability Only 20/40/10 at $60 a month, and it holds four of the ten cheapest liability-only ZIP codes. Berrien County holds four of the ten cheapest for full coverage, among them 49038 Coloma and 49103 Berrien Springs, and its 8 ZIP codes average $296.
Counties with one or two ZIP codes
These 27 counties are unranked. Each line shows the county, its priced ZIP count in parentheses and its full-coverage monthly average, in alphabetical order. One or two ZIP codes say little about a whole county, so none of these is labeled cheap or pricey. Residents should quote at their own ZIP code.
Alpena (1) $374; Antrim (1) $328; Cheboygan (1) $297; Chippewa (1) $307; Crawford (1) $316; Delta (2) $379; Dickinson (2) $359; Emmet (2) $313; Gladwin (2) $327; Gogebic (1) $308; Hillsdale (2) $341; Huron (1) $348; Iosco (1) $324; Iron (1) $349; Kalkaska (1) $305; Lake (1) $372; Manistee (1) $392; Mason (1) $328; Mecosta (2) $364; Menominee (1) $365; Missaukee (1) $340; Ogemaw (1) $307; Osceola (2) $360; Otsego (1) $296; Roscommon (2) $337; Schoolcraft (1) $355; Wexford (2) $326.
Cheapest and priciest Michigan ZIP codes
Cheapest ZIP, full coverage
$270/mo
49038, Coloma
Priciest ZIP, full coverage
$706/mo
48205, Detroit
Gap between them
$436/mo
$5,227 a year
| ZIP code and city | County | Monthly | Yearly |
|---|---|---|---|
| 49038 Coloma | Berrien County | $270 | $3,241 |
| 48611 Auburn | Bay County | $273 | $3,278 |
| 48642 Midland | Midland County | $276 | $3,306 |
| 48640 Midland | Midland County | $277 | $3,328 |
| 49103 Berrien Springs | Berrien County | $278 | $3,336 |
| 49127 Stevensville | Berrien County | $279 | $3,344 |
| 49087 Schoolcraft | Kalamazoo County | $279 | $3,345 |
| 49085 Saint Joseph | Berrien County | $280 | $3,354 |
| 48160 Milan | Washtenaw County | $282 | $3,385 |
| 48131 Dundee | Monroe County | $284 | $3,403 |
| Priciest three | 48205 Detroit, $706/mo ($8,468/yr); 48234 Detroit, $685/mo ($8,218/yr); 48202 Detroit, $684/mo ($8,212/yr) | ||
| ZIP code and city | County | Monthly | Yearly |
|---|---|---|---|
| 49087 Schoolcraft | Kalamazoo County | $58 | $697 |
| 49417 Grand Haven | Ottawa County | $59 | $706 |
| 49024 Portage | Kalamazoo County | $59 | $707 |
| 49426 Hudsonville | Ottawa County | $59 | $708 |
| 49464 Zeeland | Ottawa County | $59 | $708 |
| 49770 Petoskey | Emmet County | $59 | $712 |
| 49930 Hancock | Houghton County | $59 | $712 |
| 49460 West Olive | Ottawa County | $60 | $715 |
| 49085 Saint Joseph | Berrien County | $60 | $718 |
| 49740 Harbor Springs | Emmet County | $60 | $718 |
| Priciest three | 48213 Detroit, $236/mo ($2,832/yr); 48205 Detroit, $231/mo ($2,772/yr); 48227 Detroit, $227/mo ($2,727/yr) | ||
The two lists share only two ZIP codes, 49087 Schoolcraft and 49085 Saint Joseph, so the cheapest ZIP code depends on the package. 49087 Schoolcraft in Kalamazoo County is the one near the top of both: the lowest Liability Only 20/40/10 price at $58 a month and seventh lowest for full coverage. Grand Haven’s 49417 has the second-lowest liability-only price at $59 yet ranks 31st for full coverage, and 49038 Coloma has the lowest full-coverage price but ranks only 107th for Liability Only 20/40/10.
At the other end, the Detroit ZIP code 48213 is the priciest for Liability Only 20/40/10 at $236 a month and fourth-priciest for full coverage. What separates 49038 from 48205, a spread of $436 a month, is where the car is garaged: driver, car and coverage are identical.
Check Michigan Car Insurance Quotes for Your ZIP
5 Ways to Lower Your Michigan Car Insurance Bill
- Ask both Progressive and Auto-Owners. Progressive wins 479 of 480 ZIP codes on full coverage; Auto-Owners Insurance Co wins 435 on Liability Only 20/40/10. Which one is cheaper for you depends on your ZIP code and the package.
- Price both bigger packages at once. Progressive charges $4 a month extra for the full-coverage package, while Auto-Owners Insurance Co charges $9 a month less for it.
- Do not shop on the $67 price alone. It buys injury limits of 20/40, under the lowest bodily-injury choice Michigan allows, and nothing for your own car.
- Price the same PIP medical option everywhere. Michigan offers six and our prices carry none.
- Quote from the garaging address. Across ZIP codes our full-coverage prices differ by $436 a month, so enter the address where the car sleeps at night.
Car Insurance Quotes Michigan Drivers Can Compare: What to Match
Everything above describes one sample driver. Your own quotes depend on your vehicle, record, household and garaging address.
Online auto insurance quotes Michigan: same limits, same PIP choice
Online auto insurance quotes Michigan drivers collect only compare fairly when they line up on these items:
- The same bodily-injury limits and the same PIP medical option from every company.
- One collision and comprehensive deductible, requested each time.
- Matching driver details, the same car and one garaging address each time.
Cheap car insurance quotes: auto insurance in Michigan quotes to request
For cheap car insurance quotes, start with Progressive and Auto-Owners Insurance Co, then add State Farm and Hanover. Ask each for the 50/100/50 and full-coverage prices together.
Inexpensive Car Insurance in Michigan: How Low Can It Go?
Inexpensive car insurance Michigan shoppers can find exists in nearly every ZIP code we priced, even though the four-insurer averages are far higher. 427 of our 480 ZIP codes have a cheapest full-coverage price under $200 a month, 47 have one under $150, and in none is the cheapest price $300 or more. The highest cheapest price in any ZIP code is $272 a month, the middle one is $163, and the lowest is $132. These are the lowest prices in each ZIP code, not what the average driver pays, and none includes PIP medical coverage.
Compare Michigan Quotes at the Same Limits and PIP Choice
How We Priced Michigan Car Insurance
Prices here come from Quadrant Information Services, which feeds one driver profile through the rates and rating rules each insurer has filed and reports the resulting price. We rank and average the Michigan numbers, all dated Sept. 30, 2026.
- Profile: he is male, 40, single, with good credit and no claims or tickets, and he has been licensed 24 years. Personal use only is assumed for the 2024 Toyota Camry LE he drives. We priced a one-person policy, with no teen driver and no occasional-driver setup.
- Coverage: three packages. Liability Only 20/40/10 stops at liability, with $20,000 for each injured person, $40,000 for each crash and $10,000 for property damage; there is no collision or comprehensive. 50/100/50 means up to $50,000 for each injured person and $100,000 for each crash, $50,000 for property damage, and the package also carries collision and comprehensive at a $500 deductible. The full-coverage package is the one with 100/300/100 liability, and it keeps the $500 deductible. Neither PIP nor any other medical-payments benefit is in the three packages, so the PIP medical options under Michigan’s no-fault rules sit outside every price. Measured against Michigan’s bodily-injury limit choices, Liability Only 20/40/10 sits below the lowest choice and 50/100/50 sits on it.
- Sample size: 480 ZIP codes in 70 counties. Every one of the four ranked insurers returned prices for all 480 ZIP codes, which gives 1,920 insurer prices at each coverage level.
- Arithmetic: an insurer that comes back with two or more prices for a ZIP code is counted once, at the lowest. State, county and ZIP averages give each of the four ranked insurers equal weight, Hanover included, and the without-Hanover averages weight the other three equally. A monthly figure is one twelfth of a yearly price, rounded to the dollar; gaps subtract one rounded monthly figure from another.
- Naming: an insurer has to hold prices in more than half of Michigan’s ZIP codes before it can be called cheapest, and an insurer only slightly above the lowest price, by a few dollars a month, would be named with it. Michigan’s runner-up is further back at every level, so each level names a single company: Progressive for full coverage and 50/100/50, Auto-Owners Insurance Co for Liability Only 20/40/10.
- Kept separate or disclosed: Farm Bureau Insurance of Michigan returned prices in all 480 ZIP codes but is kept out of every ranking, verdict, average, county number and ZIP number; its own box lists its prices. Hanover stays in the rankings and averages, and the page shows the averages with and without it. No ZIP code or county was removed. The 27 counties that have only one or two ZIP codes are inside the state averages too, just unranked.
- Limits of the list: four ranked insurers is a thin field for a state this size, and GEICO is not in our Michigan data.
One modeled driver cannot predict your price. Your address, car, record, coverage choices, PIP medical option and discounts will decide what a company actually charges.
Questions About Car Insurance in Michigan
Is $200 a month a lot for car insurance in Michigan?
$200 a month sits between the cheapest price and the average in our Michigan data: it is $28 above Progressive’s $172 full-coverage price and $161 below the four-insurer average of $361. In 427 of our 480 ZIP codes the cheapest full-coverage price is below $200 a month, in 47 it is below $150, and in none does it reach $300. That is the lowest price in each ZIP code, not what the average driver pays, and it leaves out PIP medical coverage.
Who has the cheapest car insurance in Michigan right now?
Among the four insurers we compared, with rates as of Sept. 30, 2026: Progressive for full coverage at $172 a month, Progressive for 50/100/50 at $168, and Auto-Owners Insurance Co for Liability Only 20/40/10 at $67. Next in line: Auto-Owners at $263 and $272, and Hanover at $80 for Liability Only 20/40/10. Farm Bureau Insurance of Michigan is shown separately.
Which is cheaper in Michigan, Progressive or Auto-Owners Insurance Co?
It depends on the package. Progressive is cheaper for full coverage ($172 against $263 a month) and for 50/100/50 ($168 against $272). Auto-Owners Insurance Co is cheaper for Liability Only 20/40/10 ($67 against $86). Counting ZIP codes, Progressive is lowest on full coverage in 479 of 480 and Auto-Owners in 1; Progressive takes all 480 at 50/100/50; at Liability Only 20/40/10 Auto-Owners wins 435 and Progressive 5. GEICO is not in our Michigan data.
Why is car insurance so expensive in Michigan?
Our data shows where the cost sits, not why. The four-insurer full-coverage average is $361 a month against Progressive’s $172, and Hanover alone prices full coverage at $708. By place, Wayne County averages $497 a month while Midland County (four ZIP codes, so a rough guide) averages $283, and all five of the priciest ZIP codes are in Detroit, led by 48205 at $706. Michigan also has bodily-injury limit choices and six PIP medical options, and our prices include no PIP medical coverage.
What is the minimum car insurance in Michigan?
Michigan’s default bodily-injury limits are 250/500. Drivers may choose lower limits through the Choice of Bodily Injury Liability Coverage Limits form, with the lowest choice at 50/100, for policies issued or renewed after July 1, 2020. Our 50/100/50 package carries those lowest-choice injury limits, and Progressive prices it at $168 a month. Our Liability Only 20/40/10 package falls under that lowest choice, so its $67 price does not buy the lowest injury limits Michigan allows.
What are average Michigan car insurance costs?
Average car insurance costs in Michigan, across the four insurers we compared, are $361 a month ($4,327 a year) for full coverage, $351 for 50/100/50 and $91 for Liability Only 20/40/10, using Sept. 30, 2026 rates for our modeled driver. Without Hanover the other three average $245, $242 and $95. Your own quote will move with your vehicle, record and location, and these prices carry no PIP medical coverage.
Is 50/100/50 enough car insurance in Michigan?
Our data cannot say what is enough for you, but it can show where 50/100/50 sits. Its injury limits of 50/100 are the lowest choice Michigan allows and well under the 250/500 default. Progressive prices it at $168 a month, and the four-insurer average is $351, only $10 below the $361 average for full coverage. PIP medical coverage is a separate choice and is not in either price.
Does Hanover make Michigan car insurance look more expensive than it is?
It raises the average. Hanover’s full-coverage price is $708 a month against $172 to $300 for the other three. With Hanover the four-insurer full-coverage average is $361; without it the other three average $245, which is $116 less. For Liability Only 20/40/10 Hanover is the second-cheapest at $80.
What does Farm Bureau Insurance of Michigan cost, and why is it shown separately?
Quadrant priced Farm Bureau Insurance of Michigan in all 480 ZIP codes: $331 a month for full coverage, $327 for 50/100/50 and $72 for Liability Only 20/40/10. It is shown on its own, left out of every ranking, average, county number and ZIP number, and none of its prices is below the cheapest named insurer at any level.
Do your prices include Michigan’s PIP medical coverage?
No. We priced no PIP or other medical-payments coverage in any package, so no figure on this page contains it. Michigan offers six PIP medical options: unlimited (the default), up to $500,000, up to $250,000, up to $250,000 with PIP medical exclusion(s), up to $50,000 for Medicaid enrollees only, and opt-out for people with Medicare A and B only. Ask each company to quote the same option.
Where can I get online auto insurance quotes in Michigan?
Start with any quote box here for online auto insurance quotes, cheap car insurance quotes included, or call or visit insurers directly. For auto insurance in Michigan quotes you can compare, request the same bodily-injury limits, the same PIP medical option and one collision and comprehensive deductible from each. Include Progressive and Auto-Owners Insurance Co: Progressive is lowest on full coverage in 479 of our 480 ZIP codes and Auto-Owners is lowest on liability-only in 435.
What is the cheapest full coverage auto insurance in Michigan?
Among the four insurers we compared, Progressive: $172 a month ($2,061 a year) for full coverage (100/300/100 liability, $500 deductibles), rates as of Sept. 30, 2026. Auto-Owners Insurance Co is next at $263, then State Farm at $300 and Hanover at $708. The price leaves out PIP medical coverage.
Who has the cheapest no-fault car insurance Michigan drivers can buy?
For full coverage, Progressive at $172 a month among the four ranked insurers; for 50/100/50 it is also Progressive at $168. These prices exclude PIP medical coverage, so a real quote will add whichever of the six options you choose.
Is there inexpensive car insurance Michigan drivers can buy?
Yes, in most places we priced. In 427 of 480 ZIP codes the cheapest full-coverage price is below $200 a month, and in 47 it is below $150. Progressive averages $172 a month statewide. That is not what the average driver pays, and it leaves out PIP medical coverage.
How much does car insurance cost in Michigan?
Michigan car insurance rates in our data run from $172 a month (Progressive, full coverage) to $708 (Hanover). Averaged across the four insurers, full coverage costs $361 a month, 50/100/50 costs $351 and Liability Only 20/40/10 costs $91.
- About the CCI Author
- Latest Posts
Michael Giusti, MBA, is a senior contributor who writes in-depth content about state-level auto insurance rules, pricing trends, and savings opportunities for drivers. His expertise supports data-rich rate guides to help you find the cheapest auto coverage quotes on CheapCarInsurance.net.