The average cost of car insurance. The cheapest Michigan minimum coverage policy is Travelers. It also has the lowest rates for older drivers. GEICO is the cheapest for full coverage, teens and families, young adults and sports cars.
For drivers with violations, Chubb is the cheapest. USAA is the most affordable for military families. Progressive is generally the cheapest car insurance option in Michigan and is our best option for drivers in the state. USAA, Auto Owners Insurance, Frankenmuth Insurance, and State Farm are also great options.
And if an area has a particularly high theft rate, car insurance can be more expensive because of the risk of vehicle theft. Frankenmuth Insurance is a small provider that sells auto, home, life and other insurance products in Michigan and Ohio. Your age, driving history, and credit rating will affect how much you pay for car insurance in Michigan. While people in their 60s have cheaper car insurance rates than many other age groups on average, prices will start to increase as they age.
Next, we'll look at the state's cheapest car insurance companies and coverage options, starting with the providers and the most affordable coverage options. USAA offers more than 10 auto insurance discounts in Michigan, including discounts for safe drivers, good students, new vehicles, and military installations. See NerdWallet's guide to car insurance requirements by state to learn more about how the mandatory and optional coverages of your auto policy work in Michigan. The best car insurance with no down payment keeps rates low and requires only the first month's payment to start your policy.
By the time they reach their 30s, most drivers will enjoy cheaper car insurance rates than they did in their teens and 20s. It's important to note that you'll likely be able to find quality car insurance in Michigan for less than the state average, depending on your circumstances. Drivers who are denied auto insurance on the open market due to drunk driving or other factors can apply for coverage through the Michigan Auto Insurance Placement Service. If that happens, you may be able to apply for car insurance in your state, as many states offer programs to link high-risk drivers with partner insurers.
Car insurance is a necessary expense if you drive, but trying to find the cheapest rates can be a slow process. You may be able to reduce your insurance costs by reducing your liability limits, canceling comprehensive and collision insurance, or increasing your deductible. You can get discounts on auto insurance in Michigan depending on how you drive, the car you own, and your relationship with your insurance company.