How to Get Cheap Auto Insurance in Michigan (2024)

Most states require a minimum amount of insurance to drive, and Michigan is one of them. However, Michigan auto insurance requirements are much higher than many other states. This leads to insurance rates much higher than the national average.

Luckily, there are plenty of ways to find cheap auto insurance in Michigan. From recent changes in Michigan auto insurance laws to steps you can take to lower your rates, you have plenty of avenues to get the cheapest Michigan auto insurance.

Read on to learn the best ways to save on auto insurance in Michigan, even if you’re a high-risk driver. Then, compare Michigan auto insurance rates from as many companies as possible to find the best policy for your vehicle.

Finding Cheap Auto Insurance in Michigan

With some of the highest rates in the country, residents of Michigan should use every method at their disposal to save on their insurance. Luckily, there are several things you can do to find cheap Michigan auto insurance rates. These include:

• Raise your deductible. Your deductible is the portion you pay before your insurance kicks in. Choosing a higher deductible will save you money, but you’ll have to pay more out-of-pocket if you need to file a claim.
• Find discounts. Companies offer driver discounts to help you get low-cost car insurance. Most discounts are applied when buying a policy, but you can always check with a representative to ensure you get every savings possible.
• Bundle policies. Many large providers offer several insurance options beyond auto insurance and give customers a discount if they purchase more than one.
• Lower your coverage. The minimum amount of coverage required in Michigan is your cheapest option for coverage. Minimum insurance might be ideal if you drive an older, less valuable car.
• Try usage-based insurance. Most companies offer a usage-based insurance program that tracks your driving behaviors. Depending on the company, safe drivers can save up to 40% on their insurance.
• Keep your driving record clean. One of the most important ways to keep your rates low is to avoid accidents, DUIs, and other traffic violations. Drivers with bad records can see their rates double.
• Compare rates with multiple companies. Some Michigan auto insurance companies have the lowest average rates, but only personalized quotes can tell you where you’ll find the lowest prices. Save money by comparing online car insurance quotes with multiple companies.

Of all the things you can do to save money on your car insurance, comparing quotes is the most important. While the same factors affect insurance quotes, companies use unique formulas to determine how much you’ll pay. Prices can vary significantly between companies, so it’s important to get multiple quotes.

Michigan Auto Insurance Rates

Comparing quotes between companies is crucial in finding affordable Michigan auto insurance. As stated above, your cheapest option is the minimum insurance. While you’ll need personalized quotes to know exactly how much a company will charge, you can check the average cost of minimum insurance in Michigan below.

Every driver must meet Michigan auto insurance requirements before driving, but many people need more coverage. Unlike minimum insurance, full coverage auto insurance protects your vehicle by including collision and comprehensive coverage. It costs more, but many drivers appreciate the extra protection.

Check below to see average full coverage rates in Michigan from some of the biggest companies.

As you can see, there is significant variation in prices between companies. This highlights why it’s so important to get multiple quotes – the first company you look at is unlikely to be your cheapest option.

Cheap Auto Insurance in Michigan for High-Risk Drivers

Finding the cheapest Michigan auto insurance already takes some effort for the average driver, and it’s only more difficult for high-risk drivers.

High-risk drivers have marks on their driving records, including speeding tickets, at-fault accidents, and DUIs. Insurance companies are less willing to work with high-risk drivers because they pose a bigger risk. This leads to higher rates and can even cause a company to reject you as a customer.

However, some companies are more willing to work with high-risk drivers than others. To get an idea of how much you might pay for high-risk insurance in Michigan, check the rates below.

Michigan auto insurance quotes can be much higher for high-risk drivers, but there are ways to save. Aside from the tips already listed above, the following methods can help you find the best car insurance for high-risk car insurance:

• Drive less. Companies charge higher rates for people who spend more time behind the wheel. You can lower your rates by finding alternative transportation, such as Uber or a public bus.
• Take a safe driving class. Many companies offer a discount for completion of a driver’s education course. Check with your insurance company to ensure a course is approved before signing up.
• Improve your credit score. Michigan is one of many states that allow insurance companies to check your credit when crafting rates. Higher credit scores mean lower rates, so improving your score can help you save.
• Compare quotes again. It’s already been said, but comparing quotes after a traffic incident is incredibly important, especially after a DUI. Even if you’ve been happy with your current insurance provider, you should compare quotes to make sure you’re not overpaying.

Another thing to keep in mind after being designated as a high-risk driver is to avoid future accidents and incidents. Marks on your driving record will eventually drop off — even an OWI falls off your record in Michigan — so your insurance rates will return to normal if you avoid adding more incidents. Find out how long an OWI stays on your record in Michigan.

Understanding Michigan Auto Insurance Laws

Although many factors affect insurance rates, one of the primary causes for the reason Michigan auto insurance quotes are so high are state laws. Understanding Michigan state insurance laws can help you figure out your rates and might even help you save.

Michigan is a No-Fault State

Michigan is one of 12 states that have no-fault insurance laws. When an accident happens in a no-fault state, your personal injury protection (PIP) insurance pays for your medical bills, no matter who caused the accident.

Living in a no-fault state saves you the headache of pursuing another driver’s insurance company after an accident. In at-fault states, the responsible driver’s liability insurance covers medical injuries they cause. While that system has some advantages, receiving payment from another driver’s insurance can be a long process.

In Michigan, your medical bills are covered by your insurance up to the maximum coverage in your policy. PIP insurance also covers lost wages and replacement services for up to three years after the incident.

While no-fault auto insurance in Michigan ensures injured drivers get the medical care they need, it also increases insurance rates. However, in response to the financial strain that came with unlimited coverage, there are now several PIP options to choose from in Michigan. Learn more about fault and no-fault car accidents.

Personal Injury Protection Options in Michigan

Although it once required unlimited PIP coverage, Michigan drivers now have several options to meet the state’s requirements. These include:

• Unlimited PIP coverage
• Up to $500,000, or $250,000 for non-qualifying individuals
• Up to $250,000 with medical exclusions, for drivers with health insurance that covers car accidents
• $50,000 for drivers with Medicare
• Drivers with Medicare Parts A and B plus a separate auto or health insurance policy that covers car accidents can opt out of PIP insurance

Choosing the right PIP insurance can help you save, especially if you were paying for overlapping coverage before. However, you should always be careful about choosing less coverage. With health care costs rising, you might reach your coverage limits before your medical bills are paid. If that happens, you’ll have to find another way to pay your bills.

Remember, too, that PIP insurance is only one part of Michigan’s minimum requirements. You’ll also need $1 million worth of coverage in property protection and a 20/40/10 residual bodily injury and property damage liability plan.

Buy Cheap Auto Insurance in Michigan Today

Although the average driver pays $224 per month for auto insurance in Michigan, rates are actually a little less than they were a few years ago. This is partly thanks to revised PIP insurance requirements, which allow drivers to cut their rates.

You can also buy Michigan auto insurance online for the cheapest price possible by following the simple tips listed above. More than anything, make sure to compare Michigan auto insurance quotes from multiple companies to find the most affordable policy.