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Cheapest Car Insurance Rates In Michigan (2018)

Most auto insurance companies advertise their low rates, but as you probably know, each provider caters to a slightly different customer base, so there’s no one-size-fits all insurance company for every driver. If you’re looking for cheap car insurance in Michigan, you’ve come to the right page.

Our Geeks compared the rates of nine providers and grouped drivers in to four categories to find the most affordable quotes for the following types of drivers:

No Recent AccidentsTeen Drivers
Drivers With A DUISenior Drivers

Best Rates For Drivers With No Recent Accidents

$215/month estimate

$259/month estimate

Is your driving record clear of at-fault accidents? If so, there’s a good chance that you qualify for a safe driver insurance discount.

Our study looked at the average rates of male and female drivers who had no collisions in the past five years. In the end, State Farm triumphed as the most affordable insurance provider for drivers in this category. This quote is based on 50/100/25 liability limits, which are higher than the minimum required insurance coverage in Michigan. We also added uninsured motorist coverage with the same limits.

Best Rates For Teen Drivers

$447/month estimate

Finding cheap car insurance rates for teenagers is no easy task. Since they’re a greater liability to insurance companies, teens tend to pay more in monthly insurance premiums. If you’re looking for low cost auto insurance for teens and young drivers in Michigan at the minimum required coverage levels, try getting a quote from Esurance.

Best Rates For Drivers With An OWI or DUI

$281/month estimate

If you’ve been convicted of drunk driving, you’re probably paying out the nose for car insurance. One way to reduce the expense is to find a provider who puts less weight on drunk driving infractions. Our Geeks found that Esurance has low cost auto insurance for drivers who have a DUI or OWI conviction in Michigan.

Best Rates For Senior Drivers

$200/month estimate

Our analysts looked at the car insurance premiums for a 65-year-old driver in Michigan who had no major traffic infractions or accidents in recent history. The driver in our study commuted just 4,000 miles per year, which is low compared to younger demographics but typical of senior drivers.


A 2014 Toyota Corolla was the car used in our study. The default driver was a 29 year old. We averaged the car insurance rates of males and females to find the cheapest policies for each driver category. Our researchers referenced car insurance rates in five zip codes throughout MI. For all driver types except teenagers, the liability coverage limits were 50/100/25, and the same limits were applied for uninsured motorist coverage.

How Much Auto Insurance Are Drivers In Michigan Required To Purchase?

In the state of Michigan, the minimum car insurance liability coverage are $20,000 for bodily injuries to one individual, $40,000 for total bodily injuries in a single accident, and $10,000 for property damage.

Michigan Car Insurance FAQs

How Can I Save Money On Auto Insurance?

If you’re tired of paying a small fortune for auto insurance, you’re not alone. Most people would relish the opportunity to open up some room in their monthly budget, and one of the easiest ways to do so is to pay less for insurance coverage. The first step in getting your rates reduced is to know the factors that affect your premiums, which include:

  • Your crash history;
  • Traffic infractions you’ve committed in recent years;
  • Any convictions for DUI or OWI;
  • The number of years you’ve had a driver’s license;
  • Your zip code;
  • The claim frequency of the vehicle you’re getting insured;
  • The amount of mileage you put on your vehicle each year; and
  • How you intend to use your car (business, pleasure, or commute).

The next step is to create a plan to convince your insurance company that you’re less of a liability. Here are a few effective ways to do just that:

  1. Avoid collisions for multiple consecutive years;
  2. Follow all traffic laws;
  3. Never drive under the influence of drugs or alcohol;
  4. Purchase a vehicle that is cheaper to insure; and
  5. Limit the amount of time you spend behind the wheel.

You should also consider switching to an insurance company that caters to your particular driver profile. For example, some carriers are more lenient than others when it comes to accident forgiveness.

What Are The Penalties For Driving Without Car Insurance In Michigan?

In the state of Michigan, it is a requirement to have car insurance. Car insurance is intended to mitigate costs that may be incurred by getting into an accident. If caught without car insurance in Michigan, you can be convicted of a misdemeanor. To pile on to the penalties, you can receive a $200 to $500 fine and/or up to one year in jail. You may also face a 30-day driver’s license suspension, which may be prolonged until proof of valid car insurance is shown. To top it all off, you will be liable for paying for all the damages and injuries that may result from an accident. While this may seem harsh, it only goes to show just how important car insurance is.

Traffic Laws in Michigan

Ever-changing traffic laws can be tricky to stay up to date on, but understanding these laws is crucial. Breaking them will negatively impact both your record and your wallet. Beyond the fines, you are also at risk of increased insurance rates. To assist you, we’ve compiled some of the major laws that are important to be aware of as a driver in Michigan:

How Old Do You Have To Be To Get A Driver’s License?

In the state of Michigan, you can receive your Level 1 Learners License at age 14 years 9 months old after you pass a test and get parental permission. At age 16, you can get the Level 2 Intermediate License if you’ve had the Level 1 Learners License for at least 6 months. A Level 3 Full License is available at age 17. At age 18, GDL ends for everyone. From the moment you begin driving in the state of Michigan, it’s important to remain out of trouble to ensure insurance rates are not jacked up.

Michigan Driver’s License Point System

Like many other states, Michigan has implemented a point system to ensure continually poor drivers are penalized. Each driving infraction has a certain amount of points that will be added onto your license. Once you receive 12 points, you will have to be reevaluated as a driver through a variety of tests. However, receiving any amount of points may cause car insurance costs to skyrocket. This is because points can be an indicator that you may be at an increased risk of being part of an accident. Luckily, points only remain on your license for two years, at which point car insurance rates may decrease.

OWI/OWVI Laws In Michigan

In Michigan, driving with alcohol or other drugs in your system is not taken lightly. A first time OWI offender is subject to 93 to 180 days in jail based on their BAC, $100 to $500 dollars in fines, and up to 360 hours of community service. A first time OWVI offender is subject to the same punishment, except only $100 to $300 in fines. Your vehicle may also be at risk of forfeiture for up to 180 days.

If a driver is convicted of OWI/OWVI for a second and third time, jail time, fines, and community service are all greatly increased. If a passenger in the car is under 16 years old, the driver will face even more punishment through fines, jail time, and/or community service.

On top of everything mentioned above, driver’s license sanctions will also be put into place. A first time OWI offense will typically result in a 180-day license suspension. For a first time OWVI offense, the license suspension will only be 90 days.

A potential alternative to a suspended license is a restricted license. The restricted license limits when and where a person can drive and requires the use of an ignition interlock device (IID). This device takes the breath of the driver, analyzes the BAC, and will prevent the car from turning on if the BAC is above a certain limit.

Michigan’s Seat Belt Laws

Michigan police can ticket people for not being buckled up. All passengers aged 8 to 15, as well as drivers and front seat passengers, must wear a seat belt under all circumstances. Children under 4 years old must sit in the back seat. Kids must utilize a booster seat until they are 8 years old or 4-feet-9-inches tall. Failure to comply with these statutes will result in the potential for police to ticket you.

Michigan’s Texting While Driving Laws

Michigan has banned reading, typing, or sending any sort of text messages while operating a vehicle. If caught, violators will be faced with a $100 fine the first time and $200 each time after that. If you kill someone while texting and driving, your license will be taken away, and a period of jail time may ensue.

In terms of insurance, a texting ticket does not come with points, and in turn, is not part of a driver’s record. Keep in mind, however, that texting while driving increases your chances of crashes astronomically, which will increase your insurance premiums.

According to the NHTSA, in 2016, 1,912 crashes in Michigan involved the use of a cell phone. This is a whopping 15 percent of all distracted driving-involved crashes in the state of Michigan.

Michigan Car Insurance Terminology

To properly understand driving laws and how they impact insurance rates in Michigan, these terms and phrases should be understood:

BAC: Blood Alcohol Content; how much alcohol is in the bloodstream

DVI: Driving Visibly Impaired

IID: Ignition Interlock Device, checks BAC of the driver before they start their car

OWI: Operating While under the Influence; BAC of .08% or greater

OWVI: Operating While Visibly Impaired; visible signs of impairment due to alcohol or drugs

Premium: The amount that needs to be paid for an insurance policy



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