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Michigan Car Insurance Rates

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Here's what you should know...
  • Liability requirements in Michigan are 20/40/10.
  • Michigan is a no-fault state that requires additional coverage such as PIP and underinsured and uninsured motorists.
  • Major providers such as Allstate, State Farm, and Progressive service Michigan state.

Learn everything you need to know about car insurance in Michigan and then use the free car insurance comparison tool to enter your zip code and find the best Michigan car insurance rates online!

Michigan Car Insurance Coverage Requirements


Michigan is a no-fault state, which means that when there is an accident, everyone pays for their own injuries and property damage. Therefore, you are only hurting yourself if you are uninsured or underinsured.

Michigan state law requires drivers to have coverage rates of 20/40/10, which translates to:

  • $20,000 bodily injury per person
  • $40,000 bodily injury per accident
  • $10,000 property damage coverage

Since Michigan is a no-fault state, you also have to have Personal Injury Protection, or PIP insurance coverage, on your policy.

Auto Insurance Providers in Michigan

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There are a variety of auto insurance providers in Michigan to choose from, including the following:

  • Allstate  Founded in 1931; first company to offer tiered insurance with cheaper rates for safe drivers.
  • Dairyland Insurance CompanyA member of the Sentry Insurance Group, which has been in business since 1904.
  • Farmers Insurance – Founded in 1928, this is the 3rd largest insurer of auto and home insurance for personal customers.
  • Esurance – Founded in 1999 to make insurance simpler through online auto insurance coverage and quotes.
  • Liberty Mutual – 5th largest property and casualty insurer in the U.S., in business for almost 100 years.
  • Metropolitan Direct –  11 years in business; not much information online about this company.
  • Progressive – Number one car insurance provider; founded in 1937.
  • State Farm – Founded in 1922; focused on fair claim settlements and fair prices. Company has more than 75,000 policies active in the U.S.
  • Unitrin Direct – Operating in 25 states with more than 6 million policy-holders.

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How Do I Choose the Right Michigan Car Insurance?

Take the time to check each company that you find. Check out their reputation and history in the insurance industry. Pick a few companies that you would like to work with and apply for quotes. Make sure that you get a variety of quotes from each company so that you can compare higher coverage levels beyond state minimum requirements. Then, choose the company with the best service and the best rates based on the coverage that you get.

It sounds simpler than it is, but as long as you take the time to go through the quotes process and weed out the companies who don’t have service that suits your needs or whose prices are too high, it still won’t be too difficult. Remember that quality is more important than cost, because cheap insurance is no good if it doesn’t protect you adequately.

Get started and enter your MI zip code below to find the very best Michigan car insurance rates online!

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