For car insurance, Michigan is one of the most highly priced states in the country. Drivers pay $948 per year on average for minimum coverage and $2,309 per year on average for full coverage, both of which are significantly higher than the national annual average cost of insurance. The high cost could be attributed to the fact that it is estimated that over 25% of Michigan drivers are uninsured.
Furthermore, Michigan has a relatively high percentage of car accidents, with over 300,000 occurring in 2019, the most recent year for which data is available. Finding the cheapest car insurance in Michigan may be a priority for many drivers because it is so expensive.
Michigan's cheapest auto insurance companies
Trying to find the cheapest car insurance in Michigan may require some investigation, but it is doable. But even though price is often the most important factor for many Michigan drivers, we also looked at each company's available coverages, discounts, and third-party ratings. If you are looking for cheap car insurance in Michigan, you should get quotes from the following companies:
USAA
USAA's current average and full coverage premiums are significantly lower than Michigan's average. However, you can only get USAA coverage if you are a current or former military member, or if you have an immediate family member who is. Despite the fact that the company is ineligible for official.
If you meet the criteria for coverage, USAA claims that switching coverage saves drivers an average of $700. In addition to low average premiums, USAA offers a number of discounts that may allow you to save even more money. You could save for a new vehicle's insurance, garaging it on a military base, or storing it while you're deployed.
Progressive
Progressive may be a great choice if you want low average premiums combined with powerful digital tools. From the company's website or mobile app, you can pay the bills, file claims, make changes, access ID cards, and also get quotes.
Progressive's website allows you to obtain quotes from multiple insurance companies, which could save you time when shopping for insurance. If you decide to buy a Progressive policy, you may be able to get additional coverages such as custom parts coverage, loan/lease payoff, and ride - sharing coverage.
Auto-Owners
Auto-Owners, headquartered in Lansing, Michigan, is a regional carrier. The carrier only sells insurance in 26 states, but because it was founded in Michigan, it may be ideally qualified to understand Michigan drivers' insurance needs.
Auto-Owners insurance cannot be purchased online. To obtain coverage, you must work with a local agent.
AAA
When you think of AAA, the first thing that comes to mind is probably emergency roadside assistance, but the company also sells insurance products. Despite the fact that its full coverage premium is the highest on our list, you might want to get a quote from AAA.
The company provides a variety of coverage options, which include enhanced total replacement cost, which will pay to replace your totaled vehicle with a comparable model that is one to two years newer; ridesharing coverage, which you may require if you drive for a company such as Uber or Lyft; and OEM coverage, which pays for original manufacturer parts to be used to repair your vehicle after a claim.
Pioneer State
Pioneer State is a Michigan-based company, so it, like Auto-Owners, may be more aware of the specific needs of Michigan drivers. Pioneer State may be a good choice for your insurance if you prefer face-to-face interactions. The company's products are sold by independent agents.
Pioneer State's auto insurance policy allows you to customise your coverage to meet your specific needs. Personal Auto Pioneer Advantage includes new car replacement as well as trip interruption coverage. Optional features such as pet injury coverage, preferred location towing, and customised equipment coverage may also be available.
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