Cheapest Car Insurance in Michigan (Updated For 2022)


Cheapest Car Insurance in Michigan.

It can be tough choosing the right car insurance when you’re on a budget. This is why we decided to compare and analyze the cheapest car insurance in Michigan.

We will be going over every type of cheap MI car insurance. You came to the right place whether you’re looking for full coverage, minimum coverage, or auto insurance after a speeding ticket.

You will also find information on car insurance prices for Michigan drivers with a DUI, an accident, or poor credit.

On top of that, we also compared the cheapest auto insurance options for 20, 22, 25, and 30 years old.

Table of Contents

Overview of the Cheapest Car Insurance in Michigan

Cheapest Full Coverage: Nationwide also offers the cheapest full coverage car insurance at $1327 a year or $110.58 a month.

For Minimum Coverage: Nationwide offers cheap auto insurance for minimum coverage at $1249 annually or $104.08 a month.

Cheapest For Drivers With Poor Credit: If you have poor credit, Nationwide is the cheapest option for auto insurance. Getting Nationwide insurance will cost you $3661 a year or $305.08 per month.

For Drivers With a Speeding Ticket: Nationwide offers the lowest priced auto insurance at $1406 a year or $117.17 a month.

Cheapest For Drivers With a DUI: Drivers with a DUI will pay $1617 annually or $134.75 a month with Nationwide.

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For Drivers With One At-Fault Accident: Nationwide is the best option for drivers with one at-fault accident. Going with Nationwide will cost you $1698 a year or $141.50 per month.

We removed USAA from these Michigan insurance choices due to USAA only being available to those currently or previously involved with the military.

Cheapest Full Coverage Car Insurance in Michigan

These are the rates you can expect in Michigan if you want to be fully covered when driving:

Insurance CompanyAnnual RateMonthly Rate
USAA$1,204$100.33
Nationwide$1,327$110.58
Auto-Owners Insurance Co$2,368$197.33
GEICO$2,548$212.33
Progressive$2,849$237.42

Cheapest Minimum Coverage Car Insurance in Michigan

If you want the bare minimum coverage in Michigan, these are the lowest rates:

Insurance CompanyAnnual RateMonthly Rate
USAA$1,136$94.67
Nationwide$1,249$104.08
Auto-Owners Insurance Co$2,307$192.25
GEICO$2,401$200.08
Progressive$2,749$229.08

Cheapest Auto Insurance For Michigan Drivers With Poor Credit

If you’re located in Michigan and have poor credit, these are your options for cheap car insurance:

Insurance CompanyAnnual RateMonthly Rate
USAA$3,323$276.92
Nationwide$3,661$305.08
Auto-Owners Insurance Co$6,536$544.67
GEICO$7,033$586.08
Progressive$7,862$655.17

Cheap Car Insurance in Michigan For Drivers With Previous Accidents

Accidents will likely result in your monthly insurance costs increasing. Getting in an accident in MI may include; speeding tickets, at-fault accidents, or DUIs.

Cheapest Michigan Car Insurance With a Speeding Ticket

Here are the cheapest car insurance in MI for a driver with a speeding ticket.

Insurance CompanyAnnual RateMonthly Rate
Nationwide$1,406$117.17
USAA$1,486$123.83
MetLife$3,241$270.08
Auto-Owners Insurance Co$3,571$297.58
Progressive$3,945$328.75

Cheap Michigan Car Insurance With a DUI

These insurance companies each have cheap annual rates for MI drivers with a DUI.

Insurance CompanyAnnual RateMonthly Rate
Nationwide$1,617$134.75
USAA$1,983$165.25
Progressive$3,669$305.75
MetLife$4,366$363.83
Mercury$5,416$451.33

Cheap Michigan Auto Insurance With One At-Fault Accident

These are the cheapest options when it comes to car insurance for MI drivers with one at-fault accident.

Insurance CompanyAnnual RateMonthly Rate
USAA$1,581$131.75
Nationwide$1,698$141.50
Auto-Owners Insurance Co$3,203$266.92
GEICO$4,761$396.75
MetLife$5,194$432.83

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Cheapest Car Insurance For 20-Year-Old Drivers in Michigan

Younger drivers typically have to deal with higher insurance costs. This is especially true for 20-year-olds in MI.

Cheapest Full Coverage Car Insurance For 20-Year-Old Michigan Drivers

These companies have the cheapest full coverage auto insurance for 20-year-olds in MI.

Insurance CompanyAnnual RateMonthly Rate
USAA$2,552$212.67
Nationwide$2,812$234.33
Auto-Owners Insurance Co$5,020$418.33
GEICO$5,402$450.17
Progressive$6,039$503.25

Cheapest Minimum Coverage Car Insurance in Michigan For 20-Year-Old Drivers

The cheapest minimum coverage auto insurance for 20-year-olds are these companies in MI.

Insurance CompanyAnnual RateMonthly Rate
USAA$2,409$200.75
Nationwide$2,647$220.58
Auto-Owners Insurance Co$4,890$407.50
GEICO$5,091$424.25
Progressive$5,828$485.67

Cheap Auto Insurance For 20-Year-Old Michigan Drivers With Poor Credit

Here are the lowest annual and monthly rates for 20-year-old MI drivers with poor credit:

Insurance CompanyAnnual RateMonthly Rate
USAA$7,043$586.92
Nationwide$7,760$646.67
Auto-Owners Insurance Co$13,854$1,154.50
GEICO$14,908$1,242.33
Progressive$16,665$1,388.75

Cheap Car Insurance For 20-Year-Old Michigan Drivers With a Speeding Ticket

These insurers have the least expensive car insurance for 20-year-old MI drivers with a speeding ticket.

Insurance CompanyAnnual RateMonthly Rate
Nationwide$2,980$248.33
USAA$3,151$262.58
MetLife$6,871$572.58
Auto-Owners Insurance Co$7,570$630.83
Progressive$8,364$697.00

Cheap Auto Insurance in Michigan For 20-Year-Old Drivers With a DUI

Here are the cheapest car insurance prices for 20-year-olds with a DUI:

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Insurance CompanyAnnual RateMonthly Rate
Nationwide$3,427$285.58
USAA$4,205$350.42
Progressive$7,779$648.25
MetLife$9,255$771.25
Mercury$11,482$956.83

Cheap Car Insurance in Michigan For 20-Year-Old Drivers With One At-Fault Accident

Here are the least expensive car insurance monthly and annual costs for 20-year-old drivers in MI with one at-fault accident:

Insurance CompanyAnnual RateMonthly Rate
USAA$3,351$279.25
Nationwide$3,601$300.08
Auto-Owners Insurance Co$6,790$565.83
GEICO$10,092$841.00
MetLife$11,011$917.58

Cheapest Car Insurance For 22-Year-Old Drivers in Michigan

A 22-year-old MI driver usually won’t be paying as much for their auto insurance compared to 18-year-olds or 20-year-olds. However, a 22-year-old in MI also won’t have the discounted car insurance price older individuals have.

Cheapest Full Coverage Car Insurance For 22-Year-Old Michigan Drivers

The lowest cost full coverage auto insurance for 22-year-olds in MI are these companies:

Insurance CompanyAnnual RateMonthly Rate
USAA$1,758$146.50
Nationwide$1,937$161.42
Auto-Owners Insurance Co$3,457$288.08
GEICO$3,721$310.08
Progressive$4,159$346.58

Cheapest Minimum Coverage Car Insurance in Michigan For 22-Year-Old Drivers

When it comes to cheap minimum coverage auto insurance in MI for 22-year-olds, these are the best companies to use:

Insurance CompanyAnnual RateMonthly Rate
USAA$1,659$138.25
Nationwide$1,823$151.92
Auto-Owners Insurance Co$3,368$280.67
GEICO$3,506$292.17
Progressive$4,014$334.50

Cheap Auto Insurance For 22-Year-Old Michigan Drivers With Poor Credit

Here are the cheapest yearly and monthly auto insurance rates for 22-year-old MI drivers with poor credit:

Insurance CompanyAnnual RateMonthly Rate
USAA$4,852$404.33
Nationwide$5,346$445.50
Auto-Owners Insurance Co$9,544$795.33
GEICO$10,270$855.83
Progressive$11,480$956.67

Cheap Car Insurance For 22-Year-Old Michigan Drivers With a Speeding Ticket

These insurers have the cheapest expensive car insurance for 22-year-old MI drivers with a speeding ticket:

Insurance CompanyAnnual RateMonthly Rate
Nationwide$2,052$171.00
USAA$2,170$180.83
MetLife$4,732$394.33
Auto-Owners Insurance Co$5,213$434.42
Progressive$5,760$480.00

Cheap Auto Insurance in Michigan For 22-Year-Old Drivers With a DUI

These are the least expensive car insurance prices for 22-year-olds with a DUI:

Insurance CompanyAnnual RateMonthly Rate
Nationwide$2,360$196.67
USAA$2,896$241.33
Progressive$5,357$446.42
MetLife$6,374$531.17
Mercury$7,908$659.00

Cheap Car Insurance in Michigan For 22-Year-Old Drivers With One At-Fault Accident

These insurance companies offer cheap annual and monthly car insurance for 22-year-olds in MI with an accident:

Insurance CompanyAnnual RateMonthly Rate
USAA$2,308$192.33
Nationwide$2,480$206.67
Auto-Owners Insurance Co$4,676$389.67
GEICO$6,950$579.17
MetLife$7,583$631.92

Cheapest Car Insurance For 25-Year-Old Drivers in Michigan

25 is the age when MI auto insurance premiums start to decline quicker. This means living in Michigan, you get to save more money on car insurance.

Cheapest Full Coverage Car Insurance For 25-Year-Old Michigan Drivers

Here are the cheapest options for full coverage auto insurance for 25-year-olds in MI:

Insurance CompanyAnnual RateMonthly Rate
USAA$1,421$118.42
Nationwide$1,565$130.42
Auto-Owners Insurance Co$2,794$232.83
GEICO$3,007$250.58
Progressive$3,361$280.08

Cheapest Minimum Coverage Car Insurance in Michigan For 25-Year-Old Drivers

These auto insurers has the cheapest minimum coverage car insurance for MI 25-year-olds:

Insurance CompanyAnnual RateMonthly Rate
USAA$1,341$111.75
Nationwide$1,473$122.75
Auto-Owners Insurance Co$2,722$226.83
GEICO$2,834$236.17
Progressive$3,244$270.33

Cheap Auto Insurance For 25-Year-Old Michigan Drivers With Poor Credit

25-year-old drivers with poor credit can use these companies for the lowest annual and monthly rates.

Insurance CompanyAnnual RateMonthly Rate
USAA$3,925$327.08
Nationwide$4,325$360.42
Auto-Owners Insurance Co$7,720$643.33
GEICO$8,308$692.33
Progressive$9,287$773.92

Cheap Car Insurance For 25-Year-Old Michigan Drivers With a Speeding Ticket

Here are the least expensive auto insurance options for 25-year-old MI drivers with a speeding ticket:

Insurance CompanyAnnual RateMonthly Rate
Nationwide$1,659$138.25
USAA$1,754$146.17
MetLife$3,824$318.67
Auto-Owners Insurance Co$4,213$351.08
Progressive$4,655$387.92

Cheap Auto Insurance in Michigan For 25-Year-Old Drivers With a DUI

25-year-olds with a DUI have these options for cheap car insurance:

Insurance CompanyAnnual RateMonthly Rate
Nationwide$1,908$159.00
USAA$2,340$195.00
Progressive$4,330$360.83
MetLife$5,151$429.25
Mercury$6,391$532.58

Cheap Car Insurance in Michigan For 25-Year-Old Drivers With One At-Fault Accident

These are the least expensive car insurance yearly and monthly costs for 25-year-old drivers in MI with one at-fault accident:

Insurance CompanyAnnual RateMonthly Rate
USAA$1,865$155.42
Nationwide$2,004$167.00
Auto-Owners Insurance Co$3,779$314.92
GEICO$5,617$468.08
MetLife$6,129$510.75

Cheapest Car Insurance For 30-Year-Old Drivers in Michigan

Michigan auto insurance prices in your 30s will be even cheaper compared to your teenage years and early to mid-20s.

Cheapest Full Coverage Car Insurance For 30-Year-Old Michigan Drivers

Here are the cheapest car insurance options for 30-year-olds in MI that want to be fully covered:

Insurance CompanyAnnual RateMonthly Rate
USAA$1,204$100.33
Nationwide$1,327$110.58
Auto-Owners Insurance Co$2,368$197.33
GEICO$2,548$212.33
Progressive$2,849$237.42

Cheapest Minimum Coverage Car Insurance in Michigan For 30-Year-Old Drivers

Here are the cheapest auto insurance rates for 30-year-olds in MI that want minimum coverage:

Insurance CompanyAnnual RateMonthly Rate
USAA$1,136$94.67
Nationwide$1,249$104.08
Auto-Owners Insurance Co$2,307$192.25
GEICO$2,401$200.08
Progressive$2,749$229.08

Cheap Auto Insurance For 30-Year-Old Michigan Drivers With Poor Credit

These are the least expensive annual and monthly rates for 30-year-old MI drivers with poor credit:

Insurance CompanyAnnual RateMonthly Rate
USAA$3,323$276.92
Nationwide$3,661$305.08
Auto-Owners Insurance Co$6,536$544.67
GEICO$7,033$586.08
Progressive$7,862$655.17

Cheap Car Insurance For 30-Year-Old Michigan Drivers With a Speeding Ticket

Check out these MI insurance companies for cheap car insurance for 30-year-old drivers with a speeding ticket:

Insurance CompanyAnnual RateMonthly Rate
Nationwide$1,406$117.17
USAA$1,486$123.83
MetLife$3,241$270.08
Auto-Owners Insurance Co$3,571$297.58
Progressive$3,945$328.75

Cheap Auto Insurance in Michigan For 30-Year-Old Drivers With a DUI

These insurers have the cheapest auto insurance prices for MI 30-year-olds with a DUI.

Insurance CompanyAnnual RateMonthly Rate
Nationwide$1,617$134.75
USAA$1,983$165.25
Progressive$3,669$305.75
MetLife$4,366$363.83
Mercury$5,416$451.33

Cheap Car Insurance in Michigan For 30-Year-Old Drivers With One At-Fault Accident

Here are the least expensive car insurance monthly and yearly costs for 30-year-old drivers in MI with one accident on record:

Insurance CompanyAnnual RateMonthly Rate
USAA$1,581$131.75
Nationwide$1,698$141.50
Auto-Owners Insurance Co$3,203$266.92
GEICO$4,761$396.75
MetLife$5,194$432.83

Michigan Minimum Auto Insurance Requirements

The state of Michigan has a list of requirements for the minimum amount of auto insurance a driver can have.

These requirements include:

  1. At a minimum; insured for $20,000 bodily injury liability per person and $40,000 total.
  2. A total of $10,000 per crash for vehicle or property damage caused by the vehicle.

Methodology For Choosing Cheapest Michigan Auto Insurance

We compared rates from Michigan auto insurance companies throughout the state. The rates we used are calculated for a 35-year-old male with a good credit score (690-719).

Other stats used for the calculated rates include:

Bodily Injury Coverage: $50,000

Overall Coverage: $100,000

Property Damage Coverage: $50,000

Age: 35 years old

Vehicle: 2020 Sedan

Number of Incidents: 0

Credit Score: Good (690-719)

Comprehensive and Collision Coverage: None

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