Auto-Owners has the cheapest car insurance quotes in Michigan, at $107 per month for a minimum-coverage policy. Progressive has the best rate for a full-coverage policy, at $170 per month.
To help Michigan drivers find the best cheap car insurance, our editorial team gathered quotes from top auto insurance companies across every ZIP code in the state. Quotes for minimum coverage meet the Michigan state minimum requirements of $250,000 in personal injury protection (PIP) coverage, $1 million of property protection insurance, $50,000 in residual bodily injury liability coverage per person and $100,000 per accident, plus $10,000 in residual property damage liability. Full coverage quotes include higher liability limits than state minimums, along with collision and comprehensive coverage.
Active-duty members of the military, veterans and their families can take take advantage of even cheaper auto insurance rates from USAA. USAA's minimum-coverage policy is $1,122 per year, $160 less than Auto-Owners.
Michigan drivers with a history of speeding tickets, accidents and DUIs almost always pay more expensive car insurance quotes than drivers with clean records. Typically, drivers who have been in an accident or have been caught committing a traffic violation are more likely to repeat those actions, making them riskier to insure.
A single speeding ticket increases insurance rates in Michigan by 49%, on average. However, some insurers raise prices more than others. Frankenmuth only raised premiums by 11%, while drivers with AAA can expect their rates to double.
Progressive also has the best rates for Michigan drivers who have an accident on their record. The cost of a full-coverage policy from Progressive is $2,849 per year — $8,597 cheaper than the state average.
GST taxpayers can't claim any pending input tax credit if this return is not filed by November 30, 2024 for FY 2023-24
