Michigan Auto Insurance [Providers + Broad Form Rates]

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Michigan Statistics Details
Road Miles 122,286
Vehicle Miles Driven: 4.9 billion 97,843,000,000
Registered Vehicles 8,036,643
State Population 9,995,915
Most Popular Vehicle Ford Escape
Uninsured Motorists 20.3% (State Rank: 4th)
Total Driving Fatalities 974
Annual Premiums by Coverage Type Liability: $795.32
Collision: $413.83
Comprehensive: $154.85
Cheapest Providers USAA and Progressive

Welcome to the wonderful state of Michigan. The Wolverine State is a land of beauty and innovation, a state with a rich history and a bright future.

Michigan is also home to a lot of American firsts. Michigan State University was founded in 1855 as the United States’ first land-grant university. And Michigan was the first state to guarantee every child the right to a free, public high school education.

With 3,224 miles of beautiful coastline, rolling hills throughout much of the state, and some of the country’s most vibrant cities, Michigan is also a driver’s paradise. Whether you’re just passing through or plan to make Michigan home, you’ll need the right car insurance to protect you and your family.

And you should know: Michigan is home to some of the most expensive car insurance premiums in the United States.

We’ve researched and collected all the information you need to make a wise car insurance investment in one convenient place. So read on to become an informed car insurance-consuming Michigander.

And just enter your ZIP code above to get started on car insurance quotes for you and your family.

Table of Contents

Michigan Broadform Coverage and Rates

There will be car insurance requirements no matter what state you call home, and insurance companies charge different premiums depending on what state you live in, as we’ll soon see.

But don’t worry. We’re here to help you through the entire process by providing the information you need to choose the right car insurance provider for you.

Keep reading to find out about the minimum car insurance requirements in Michigan and how we can help you get the best deal possible.

Michigan’s Car Culture

It’s certainly true that Michiganders have a lot of reasons to drive. Just check out the video below to see one of the state’s most scenic routes along Lake Michigan.

According to The Hartford, “Detroit is synonymous with the U.S. auto industry – and the state of Michigan as a whole owes a great deal of its modern culture and infrastructure to the automakers who call the state home.

“But as much as Michiganders are justly proud of the long history of automotive innovation and development in their state, driving in the Wolverine State presents certain unique challenges.”

Let’s take a look at the minimum car insurance you need in the great state of Michigan.

Michigan Minimum Coverage

Like almost all states, Michigan has minimum requirements of coverage that drivers are required to carry on their vehicles. In the Wolverine State, you need to have at least the following coverage as part of your car insurance policy:

  • $20,000 for bodily injury or death of one person in an accident caused by the owner of the insured vehicle
  • $40,000 for total bodily injury or death in an accident caused by the owner of the insured vehicle
  • $10,000 for property damage per accident caused by the owner of the insured vehicle

Michigan is one of 12 no-fault states. According to The Hartford, this means “that a driver must carry insurance for their own protection, and that driver is limited in terms of whether they can sue another driver in the event of an accident. With the no-fault system, if you are involved in a car accident, even if it is clearly not your fault, you will file a claim with your insurance company for damages.”

“Unfortunately,” The Hartford goes on to explain, being a no-fault state also “means that good drivers with bad luck may be facing higher premiums if another car causes a crash.”

Knowing that you could be held financially responsible for any and all damage that to your car if you are ever involved in an accident might scare you. But having the right car insurance provider in your corner can help ease these fears.

Forms of Financial Responsibility

What is financial responsibility, you might be wondering? Basically, financial responsibility is proof that you have Michigan’s minimum liability coverage.

Michigan law requires every driver to have proof of financial responsibility with them at all times.

In Michigan, the only acceptable form of financial responsibility is car insurance.

Except for people who own a fleet of 25 vehicles or more – when you can apply for self-insurance – every driver must buy an insurance policy.

In case of an accident or a traffic stop, present a paper copy of your proof of insurance — usually your company-issued insurance ID card — or prepare to show it electronically. You can buy a policy with a limited term of at least six months. However, bear in mind that driving without insurance can lead to penalties, which we’ll cover later.

Premiums as Percentage of Income in Michigan

Our research shows that Michiganders pay more than their neighbors and the national average for insurance. The table below shows how much of their disposable income they paid for car insurance in 2012 and 2013. And premiums have risen since then.

Year Average Full Coverage Premium Insurance as a Percent of Income
2013 $1,264.20 3.63%
2012 $1,171.94 3.37%

The annual per capita disposable income in Michigan — the money people have available to spend after taxes — is $36,419, which works out to roughly $3,034.92 a month. The average annual car insurance premium is $1,350.58, or $112.55 a month. Michiganders spend an average of 3.71 percent of their disposable income on car insurance.

These rates are higher than the national average of 2.37 percent and the averages of the nearby states of Ohio, Indiana, and Wisconsin. Residents in those three states also pay roughly $600 less in annual insurance premiums than the average Michigan driver.

But no matter what the national average expenditure is, all Michigan residents like to save money whenever possible. This is why you need to shop around and be armed with the best information on car insurance. Use the handy calculator below to figure out what percent of your income might go to car insurance premiums.

Core Coverage

Do you know what your options are as a car insurance consumer?

Part of getting the best deal on car insurance is understanding the types of coverage being offered.

The table below contains the three most purchased types of coverage and the average annual price that your fellow Michiganders pay for each, plus the total cost for all three compared to the national average.

Coverage Average Annual Premium in Michigan National Average
Liability $795.32 $538.73
Collision $413.83 $322.61
Comprehensive $154.85 $148.04
Total $1,364.00 $1,009.38

Liability coverage is the type of coverage that the state requires as part of its minimums. This type of coverage will cover any damage that you do to another party’s person or property if you are ever involved in an accident.

Liability will not pay for your injuries or damages, though. That’s where collision and comprehensive come in.

Collision will pay for your damages and injuries if you hit another object. Comprehensive will pay out if your car is vandalized, stolen, or damaged by an act of nature, such as flood or mudslide.

When liability, comprehensive, and collision are combined into one policy you have full coverage.

If you take time to understand the types of coverage, and just how much of each type you need before you go shopping for your car insurance policy, you can save yourself a lot of frustration later.

Additional Liability

Anything above the insurance minimums explained above is optional in Michigan.

But remember, stronger coverage can help you avoid financial hardship if bills stack up after an accident on one of Michigan’s many miles of roadways.

Sure, with so much required minimum liability coverage, you might wonder why you still need to protect yourself from an uninsured motorist. Michigan has the fourth-highest number of uninsured motorists in the United States.

So how do you know if a car insurance company is good for you? Knowing a company’s loss ratio can help you determine if they can provide the car insurance you need.

You’re probably wondering: What the heck is a loss ratio?

A loss ratio simply shows how much an insurer spends on claims compared to how much they receive in premiums.

Here’s an example: If a company spends $700 in payouts for claims for every $1,000 they receive in premiums, they have a loss ratio of 70 percent.

Loss ratios over 100 percent mean an insurer is losing money. But abnormally low loss ratios mean a company isn’t paying out much in claims, which could mean they don’t have the best customer service.

If that still doesn’t make sense, this short video provides a good overview of loss ratios.

For 2017, the National Association of Insurance Commissioners (NAIC) found the national average for loss ratios was 73 percent. Our research shows that the sweet spot for loss ratios is a bit lower than this 2017 average, between 60 and 70 percent.

What else can you do to protect yourself and your assets if you’re involved in a car accident? In the following section, we’ll cover some great extras you can easily add to your existing or new car insurance policy.

Add-Ons, Endorsements, and Riders

Many car insurance providers offer a variety of add-ons, endorsements, and riders to help protect you and your vehicle in the case of an accident.

Some of the options available to you are:

  • Guaranteed auto protection (GAP) – If your car is ever totaled or stolen, GAP will pay any money that remains owed on the lease or loan.
  • Personal umbrella policy (PUP) – When your liability limits have been reached, PUP kicks in to help protect you from lawsuits that may result from an auto accident.
  • Rental reimbursement – If your car is in the shop due to a traffic incident, rental reimbursement will help you pay the costs of renting a car until your repairs are finished.
  • Emergency roadside assistance – If your car breaks down or you have a flat, this addition to your policy will help you to pay for the cost of roadside repairs or a tow if need be.
  • Mechanical breakdown insurance – If you need repairs that were not caused by an accident, then this type of coverage is for you.
  • Non-owner car insurance – This type of coverage is perfect for you if you don’t own a car but still drive on occasion. It provides you with limited liability coverage even if the car you’re driving isn’t registered to you.
  • Modified car insurance coverage – This type of insurance covers most modifications made to your vehicle that may not be covered by your general policy should you be involved in an accident.
  • Classic car insurance – Specially designed for classic cars, this type of coverage helps to ensure that if something happens to your prized possession, you will both be well protected.
  • Pay-as-you-drive or usage-based insurance – This type of coverage is specially designed for you based on information collected by your car insurance provider regarding your speed, distance traveled, and other such factors.

Personal injury protection, or PIP, might be a good option for you, too. PIP, often referred to as “no-fault insurance,” covers medical bills incurred from an accident, regardless of who is at fault, who is driving, or who owns the vehicle.

Male vs. Female Rates

Although Michigan is not one of the six states to ban gender discrimination in car insurance premiums, gender is less of a factor than age and marital status.

As you can see in the table below — which offers average premiums for Michiganders of various demographics — teenagers almost always pay more than older drivers.

Company Single 17-year old female Single 17-year old male Single 25-year old female Single 25-year old male Married 35-year old female Married 35-year old male Married 60-year old female Married 60-year old male
Allstate $41,309.06 $41,309.06 $17,646.81 $17,646.81 $16,754.82 $16,754.82 $15,575.00 $15,575.00
Farmers $13,831.87 $13,831.87 $7,104.64 $7,104.64 $6,307.90 $6,307.90 $5,856.52 $5,856.52
Geico $12,291.51 $12,291.51 $4,252.21 $4,252.21 $4,453.35 $4,453.35 $4,533.10 $4,533.10
Liberty Mutual $35,157.81 $35,157.81 $14,880.96 $14,880.96 $14,880.96 $14,880.96 $14,732.64 $14,732.64
Nationwide $11,785.55 $11,785.55 $4,907.85 $4,907.85 $4,477.30 $4,477.30 $3,979.03 $3,979.03
Progressive $11,516.82 $12,259.07 $3,676.55 $3,393.23 $3,156.54 $2,932.15 $2,785.12 $3,113.99
State Farm $26,491.15 $26,491.15 $8,869.85 $8,869.85 $7,556.15 $7,556.15 $7,010.11 $7,010.11
Travelers $17,631.16 $17,631.16 $6,344.88 $6,344.88 $5,839.83 $5,839.83 $5,012.52 $5,012.52
USAA $6,472.15 $6,145.20 $3,229.01 $3,095.85 $2,649.82 $2,508.37 $2,649.82 $2,508.37

Cheapest Rates By ZIP Code

Did you know that car insurance rates vary not only by what state you live in but also by where you live in your state?

It’s true, especially in a state such as Michigan with such a wide urban-rural divide.

The cheapest car insurance rates in Michigan can be found in ZIP code 48880, which encompasses the city of St. Louis, Michigan, a small town directly north of the state capital of Lansing. Residents of 48880 pay an annual average of $7,916.29 for their car insurance.

Least Expensive ZIP Codes in Michigan City Average by ZIP Codes Most Expensive Company Most Expensive Rate 2nd Most Expensive Company 2nd Most Expensive Rate Cheapest Company Cheapest Rate 2nd Cheapest Company 2nd Cheapest Rate
48880 SAINT LOUIS $7,916.29 Allstate $17,625.93 Liberty Mutual $13,023.88 USAA $3,489.43 Progressive $4,430.90
48883 SHEPHERD $7,958.69 Allstate $17,642.89 Liberty Mutual $13,023.88 USAA $3,630.14 Progressive $4,438.08
48894 WESTPHALIA $8,036.93 Allstate $17,180.01 Liberty Mutual $16,459.31 USAA $3,356.40 Nationwide $3,787.40
48642 MIDLAND $8,127.79 Allstate $18,874.11 Liberty Mutual $13,023.88 USAA $3,157.97 Progressive $4,355.62
48640 MIDLAND $8,134.85 Allstate $19,119.13 Liberty Mutual $13,023.88 USAA $3,157.97 Progressive $3,672.71
48837 GRAND LEDGE $8,153.32 Allstate $17,357.46 Liberty Mutual $16,459.31 USAA $3,581.27 Progressive $4,262.59
48104 ANN ARBOR $8,224.45 Allstate $19,974.06 Liberty Mutual $15,223.99 USAA $3,025.88 Nationwide $3,820.88
48822 EAGLE $8,229.45 Allstate $17,324.08 Liberty Mutual $16,459.31 USAA $3,252.85 Progressive $4,367.96
48657 SANFORD $8,231.24 Allstate $18,874.11 Liberty Mutual $13,023.88 USAA $3,397.49 Progressive $4,182.70
48611 AUBURN $8,242.98 Allstate $19,119.13 Liberty Mutual $13,023.88 USAA $3,368.16 Progressive $4,696.57
48615 BRECKENRIDGE $8,248.57 Allstate $17,625.93 Liberty Mutual $13,023.88 USAA $3,397.49 Progressive $4,718.81
48821 DIMONDALE $8,262.31 Allstate $17,665.20 Liberty Mutual $16,459.31 USAA $3,288.33 Progressive $4,150.50
49401 ALLENDALE $8,267.02 Allstate $20,296.94 Liberty Mutual $16,202.49 USAA $3,449.84 Nationwide $4,244.16
49464 ZEELAND $8,271.79 Allstate $20,336.07 Liberty Mutual $16,202.49 USAA $3,285.66 Nationwide $4,426.99
48623 FREELAND $8,279.45 Allstate $19,119.13 Liberty Mutual $13,023.88 USAA $3,368.16 Progressive $4,298.98
48820 DEWITT $8,285.75 Allstate $17,793.59 Liberty Mutual $16,459.31 USAA $3,280.92 Progressive $3,878.41
48813 CHARLOTTE $8,295.51 Allstate $20,260.84 Liberty Mutual $16,459.31 USAA $3,252.85 Nationwide $3,709.93
49426 HUDSONVILLE $8,302.44 Allstate $20,336.07 Liberty Mutual $17,839.53 USAA $3,285.66 Nationwide $4,244.16
48109 ANN ARBOR $8,302.99 Allstate $20,708.83 Liberty Mutual $15,223.99 USAA $3,058.33 Nationwide $3,820.88
48618 COLEMAN $8,309.23 Allstate $18,855.96 Liberty Mutual $13,023.88 USAA $3,397.49 Progressive $4,764.09
48808 BATH $8,310.66 Allstate $17,762.57 Liberty Mutual $16,459.31 USAA $3,280.92 Progressive $4,291.31
48628 HOPE $8,315.01 Allstate $18,955.45 Liberty Mutual $13,023.88 USAA $3,157.97 GEICO $4,834.01
49417 GRAND HAVEN $8,327.06 Allstate $20,317.57 Liberty Mutual $16,202.49 USAA $3,449.84 Progressive $4,139.17
48103 ANN ARBOR $8,357.87 Allstate $19,829.22 Liberty Mutual $15,223.99 USAA $3,025.88 Nationwide $4,001.28
48842 HOLT $8,360.88 Allstate $19,620.20 Liberty Mutual $16,459.31 USAA $3,636.68 Progressive $4,546.52

Where are the state’s most expensive annual premiums? Those can be found in 48201, or Midtown Detroit. Residents there pay a whopping $30,350.09 on average for their car insurance each year.

Most Expensive ZIP Codes in Michigan City Average by ZIP Code Most Expensive Company Most Expensive Rate 2nd Most Expensive Company 2nd Most Expensive Rate Cheapest Company Cheapest Rate 2nd Cheapest Company 2nd Cheapest Rate
48201 DETROIT $30,350.09 Farmers $63,738.22 Allstate $52,871.30 USAA $5,458.09 Progressive $10,036.37
48206 DETROIT $29,791.56 Farmers $61,225.89 Liberty Mutual $47,565.43 USAA $6,216.23 Progressive $11,743.11
48227 DETROIT $29,374.46 Farmers $61,225.89 Liberty Mutual $45,282.65 USAA $6,238.69 Progressive $11,774.67
48204 DETROIT $29,281.79 Farmers $61,633.34 Liberty Mutual $45,107.37 USAA $6,238.69 Progressive $11,222.82
48202 DETROIT $28,946.15 Farmers $59,636.59 Liberty Mutual $46,152.54 USAA $5,458.09 Progressive $10,767.83
48213 DETROIT $28,556.49 Allstate $52,871.30 Farmers $50,002.36 USAA $6,216.23 Progressive $10,081.02
48210 DETROIT $28,417.19 Farmers $59,636.59 Liberty Mutual $46,345.35 USAA $4,659.88 Progressive $10,835.13
48215 DETROIT $28,186.14 Allstate $52,871.30 Farmers $48,767.38 USAA $6,216.23 Progressive $10,221.56
48238 DETROIT $28,148.98 Farmers $53,417.33 Liberty Mutual $48,632.10 USAA $6,336.99 Progressive $10,622.96
48228 DETROIT $28,073.12 Farmers $60,483.39 Allstate $44,530.40 USAA $4,659.88 Progressive $10,612.34
48216 DETROIT $28,040.22 Farmers $58,075.28 Allstate $44,530.40 USAA $5,458.09 Progressive $11,048.62
48211 DETROIT $28,033.06 Farmers $48,674.51 Liberty Mutual $48,550.18 USAA $6,216.23 Progressive $9,874.23
48205 DETROIT $27,952.29 Allstate $52,871.30 Farmers $47,253.33 USAA $6,216.23 Progressive $10,036.44
48208 DETROIT $27,867.09 Farmers $50,223.16 Liberty Mutual $48,684.22 USAA $5,458.09 Progressive $10,972.15
48226 DETROIT $27,767.58 Farmers $54,339.32 Liberty Mutual $45,311.95 USAA $5,458.09 Progressive $10,493.86
48207 DETROIT $27,424.94 Allstate $52,871.30 Farmers $47,343.17 USAA $5,458.09 Progressive $8,971.31
48212 HAMTRAMCK $26,925.66 Farmers $49,711.67 Liberty Mutual $47,125.96 USAA $6,216.23 Progressive $9,774.02
48203 HIGHLAND PARK $26,923.65 Farmers $49,924.37 Liberty Mutual $45,923.03 USAA $6,336.99 Progressive $9,871.02
48224 DETROIT $26,758.51 Allstate $52,871.30 Farmers $48,424.52 USAA $6,216.23 Nationwide $11,346.83
48214 DETROIT $26,730.26 Allstate $52,871.30 Farmers $44,390.45 USAA $5,458.09 Progressive $10,100.43
48209 DETROIT $26,710.79 Farmers $50,223.16 Liberty Mutual $46,345.35 USAA $4,904.33 Progressive $9,855.96
48126 DEARBORN $26,665.38 Farmers $68,626.75 Allstate $39,997.84 USAA $4,659.88 Progressive $9,695.00
48234 DETROIT $26,566.42 Farmers $45,563.29 Allstate $44,722.83 USAA $6,216.23 Progressive $9,703.04
48235 DETROIT $26,516.65 Farmers $49,920.53 Allstate $44,530.40 USAA $6,336.99 Progressive $9,917.37
48223 DETROIT $26,031.27 Farmers $47,170.49 Allstate $44,530.40 USAA $6,034.15 Progressive $10,045.03

Cheapest Rates by City

Because the zip codes above are limited to a few cities, we want to take a look at the cities with the lowest rates and the cities with the highest rates.

Least Expensive Cities in Michigan Average by City Most Expensive Company Most Expensive Rate 2nd Most Expensive Company 2nd Most Expensive Rate Cheapest Company Cheapest Rate 2nd Cheapest Company 2nd Cheapest Rate
St. Louis $7,916.29 Allstate $17,625.93 Liberty Mutual $13,023.88 USAA $3,489.43 Progressive $4,430.90
Shepherd $7,958.69 Allstate $17,642.89 Liberty Mutual $13,023.88 USAA $3,630.14 Progressive $4,438.08
Westphalia $8,036.93 Allstate $17,180.01 Liberty Mutual $16,459.31 USAA $3,356.40 Nationwide $3,787.40
Midland $8,131.32 Allstate $18,996.62 Liberty Mutual $13,023.88 USAA $3,157.97 Progressive $4,014.16
Grand Ledge $8,153.32 Allstate $17,357.46 Liberty Mutual $16,459.31 USAA $3,581.27 Progressive $4,262.59
Sanford $8,231.24 Allstate $18,874.11 Liberty Mutual $13,023.88 USAA $3,397.49 Progressive $4,182.70
Auburn $8,242.98 Allstate $19,119.13 Liberty Mutual $13,023.88 USAA $3,368.16 Progressive $4,696.57
Breckenridge $8,248.57 Allstate $17,625.93 Liberty Mutual $13,023.88 USAA $3,397.49 Progressive $4,718.81
Dimondale $8,262.31 Allstate $17,665.20 Liberty Mutual $16,459.31 USAA $3,288.33 Progressive $4,150.50
Allendale $8,267.02 Allstate $20,296.94 Liberty Mutual $16,202.49 USAA $3,449.84 Nationwide $4,244.16
Zeeland $8,271.79 Allstate $20,336.07 Liberty Mutual $16,202.49 USAA $3,285.66 Nationwide $4,426.99
Freeland $8,279.45 Allstate $19,119.13 Liberty Mutual $13,023.88 USAA $3,368.16 Progressive $4,298.98
DeWitt $8,285.75 Allstate $17,793.59 Liberty Mutual $16,459.31 USAA $3,280.92 Progressive $3,878.41
Charlotte $8,295.51 Allstate $20,260.84 Liberty Mutual $16,459.31 USAA $3,252.85 Nationwide $3,709.93
Hudsonville $8,302.44 Allstate $20,336.07 Liberty Mutual $17,839.53 USAA $3,285.66 Nationwide $4,244.16
Coleman $8,309.23 Allstate $18,855.96 Liberty Mutual $13,023.88 USAA $3,397.49 Progressive $4,764.09
Bath $8,310.66 Allstate $17,762.57 Liberty Mutual $16,459.31 USAA $3,280.92 Progressive $4,291.31
Grand Haven $8,327.06 Allstate $20,317.57 Liberty Mutual $16,202.49 USAA $3,449.84 Progressive $4,139.17
Holt $8,360.88 Allstate $19,620.20 Liberty Mutual $16,459.31 USAA $3,636.68 Progressive $4,546.52
West Olive $8,364.85 Allstate $20,472.00 Liberty Mutual $16,202.49 USAA $3,265.74 Progressive $4,475.44
Ferrysburg $8,368.35 Allstate $20,317.57 Liberty Mutual $16,202.49 USAA $3,449.84 Progressive $4,361.05
Mason $8,368.95 Allstate $19,496.97 Liberty Mutual $16,459.31 USAA $3,353.89 Progressive $4,356.19
Grandville $8,372.81 Allstate $20,336.07 Liberty Mutual $17,839.53 USAA $3,181.53 Nationwide $4,244.16
Ann Arbor $8,395.25 Allstate $20,239.62 Liberty Mutual $15,223.99 USAA $3,038.86 Nationwide $4,260.59
Negaunee $8,404.66 Allstate $19,383.81 Liberty Mutual $17,187.56 USAA $3,488.54 Progressive $4,234.87

The city of St. Louis has the cheapest rate in Michigan. Next, let’s take a look at which cities have the highest car insurance rates.

Most Expensive Cities in Michigan Average by City Most Expensive Company Most Expensive Rate 2nd Most Expensive Company 2nd Most Expensive Rate Cheapest Company Cheapest Rate 2nd Cheapest Company 2nd Cheapest Rate
Detroit $26,301.11 Farmers $48,386.05 Allstate $44,360.80 USAA $5,711.92 Progressive $9,787.83
Dearborn $20,920.85 Farmers $43,870.92 Allstate $34,532.14 USAA $4,558.38 Progressive $7,929.02
River Rouge $19,405.58 Farmers $38,258.61 Liberty Mutual $29,346.83 USAA $4,904.33 Progressive $7,807.04
Harper Woods $19,225.22 Farmers $40,532.15 Allstate $32,227.55 USAA $4,601.02 Nationwide $8,109.90
Oak Park $18,716.04 Allstate $40,770.62 Farmers $36,397.40 USAA $4,786.60 Progressive $7,523.92
Ecorse $18,154.01 Farmers $31,827.17 Allstate $28,418.62 USAA $4,904.33 Progressive $7,299.62
Southfield $17,774.85 Allstate $43,653.03 Liberty Mutual $27,805.12 USAA $4,542.02 Progressive $7,093.28
Inkster $16,984.97 Allstate $32,881.20 Farmers $27,287.68 USAA $4,405.52 Progressive $7,204.78
Lathrup Village $16,742.91 Allstate $33,371.80 Liberty Mutual $27,805.12 USAA $4,294.61 Progressive $7,688.55
Melvindale $16,544.22 Allstate $28,635.20 Farmers $25,624.76 USAA $4,904.33 Progressive $7,052.12
Dearborn Heights $16,487.42 Farmers $33,508.68 Allstate $31,769.93 USAA $4,125.41 Progressive $8,135.20
Pontiac $16,275.04 Liberty Mutual $32,553.33 Allstate $29,951.04 USAA $4,493.20 Progressive $6,710.76
Flint $16,235.79 Allstate $33,293.41 Liberty Mutual $30,276.76 USAA $4,617.15 Progressive $5,931.51
Beecher $16,129.88 Allstate $36,958.20 Liberty Mutual $28,745.66 USAA $4,686.37 Progressive $5,912.39
Center Line $15,998.68 Liberty Mutual $28,258.74 Allstate $27,069.03 USAA $4,582.45 Progressive $6,912.15
Eastpointe $15,452.65 Allstate $29,708.89 Farmers $26,273.95 USAA $4,601.02 Nationwide $7,268.13
Warren $15,080.64 Allstate $27,839.65 Farmers $25,975.42 USAA $4,326.02 Progressive $6,741.57
Hazel Park $14,956.77 Liberty Mutual $28,258.74 Allstate $27,176.71 USAA $4,297.74 Progressive $6,490.49
Riverview $14,530.95 Farmers $26,798.36 Allstate $23,465.76 USAA $3,924.37 Progressive $5,414.05
Allen Park $14,529.34 Allstate $25,578.21 Liberty Mutual $21,170.59 USAA $4,400.04 Progressive $6,449.69
Genesee $14,524.70 Allstate $36,958.20 Liberty Mutual $26,449.00 USAA $4,217.42 Progressive $5,779.54
Lincoln Park $14,234.31 Allstate $28,418.62 Liberty Mutual $21,407.28 USAA $3,998.32 Progressive $6,833.72
Romulus $14,173.50 Allstate $34,403.63 Liberty Mutual $22,032.89 USAA $3,726.83 Progressive $6,937.90
Southgate $14,149.43 Allstate $28,418.62 Liberty Mutual $22,806.48 USAA $3,924.37 Progressive $6,215.36
Wyandotte $14,043.40 Allstate $24,293.41 Liberty Mutual $21,414.47 USAA $3,963.58 Progressive $6,320.29

Best Michigan Car Insurance Companies

How do you find the best car insurance company for your needs?

From company financial ratings to rates for drivers of various histories, you’ll want to consider the pros and cons of each insurer.

In the sections below, we’ve compiled the best car insurance companies in Michigan by key factors you need to know.

The Largest Companies’ Financial Ratings

A good insurance company has the ability to cover its customers financially. That’s why considering financial ratings is important.

A.M. Best ranks America’s insurance companies by financial solvency. What does it mean for a company to receive a high grade? This video explains their methodology and meaning well.

The table below provides A.M. Best’s financial ratings for Michigan’s 10 highest-rated car insurance providers.

Company Financial Rating
Allstate A+
Auto-Owners A++
Automobile Club Michigan A+
GEICO A++
Hanover A
Liberty Mutual A
Michigan Farm Bureau A+
Progressive A+

But A.M. Best is not the only financial advising company that is keeping its eye on the car insurance market. Read on to see how J.D. Power ranks Michigan insurers.

Companies With the Best Ratings

J.D. Power is also looking out for you, and what it has discovered is that customer satisfaction with the overall car insurance market is at an all-time high.

Here are their ratings for Michigan — part of the North Central Region — for 2018.

JD Power Overall Customer Satisfaction Index

In Michigan, Auto-Owners Insurance ranks at the top of J.D. Power’s list. Let’s check out their record of official complaints.

Cheapest Companies in Michigan

Is cheapest always best?

Of course not, but we also know that you want to find the most affordable and reliable car insurance for you and your family. The table below shows the average premiums for Michigan’s nine biggest car insurance providers.

Company Average Compared to State Average (Rate) Compared to State Average (%)
Allstate $22,821.42 $12,394.66 54.31%
Farmers $8,275.23 -$2,151.53 -26.00%
Geico $6,382.54 -$4,044.22 -63.36%
Liberty Mutual $19,913.09 $9,486.33 47.64%
Nationwide $6,287.43 -$4,139.33 -65.84%
Progressive $5,354.18 -$5,072.58 -94.74%
State Farm $12,481.81 $2,055.05 16.46%
Travelers $8,707.10 -$1,719.67 -19.75%
USAA $3,618.06 -$6,808.70 -188.19%

Coverage Level Rate By Company

Did you know that what coverage level you request affects how much money you’ll pay in car insurance premiums?

Generally speaking, the more extensive the coverage, the more expensive your premiums will be. That’s just common sense.

Below is a table that illustrates the different types of insurance coverage levels and their average yearly rates for Michigan’s biggest insurance providers.

Company Coverage Type Annual Average
Allstate High $23,352.73
Allstate Medium $22,873.48
Allstate Low $22,238.06
Farmers High $8,523.10
Farmers Medium $8,253.96
Farmers Low $8,048.64
Geico High $6,832.27
Geico Medium $6,327.85
Geico Low $5,987.51
Liberty Mutual High $20,418.71
Liberty Mutual Medium $19,868.02
Liberty Mutual Low $19,452.55
Nationwide High $6,101.40
Nationwide Medium $6,181.29
Nationwide Low $6,579.61
Progressive High $5,512.79
Progressive Medium $5,360.96
Progressive Low $5,188.80
State Farm High $13,040.02
State Farm Medium $12,560.38
State Farm Low $11,845.05
Travelers High $8,788.45
Travelers Medium $8,716.50
Travelers Low $8,616.35
USAA High $3,716.05
USAA Medium $3,626.86
USAA Low $3,511.28

But did you know that your credit history also affects your car insurance premiums?

Credit History Rates by Company

U.S. Representative Rashida Tlaib has introduced a federal bill that would ban credit history discrimination in car insurance premiums from coast to coast.

But until that happens, your credit history can affect your premiums a great deal in Michigan. Credit history is a big factor for insurance companies when they are calculating your premium.

On average, Michiganders have above-average credit scores. With an average Experian score of 677, the state’s residents’ credit is slightly above the national average of 675.

But what if you have poor credit? Who are the best car insurers in Michigan for you? Again, it’s likely Progressive or, if you qualify, USAA will be your most affordable options.

The table below shows average rates for those with a good, fair, or poor credit rating for Michigan’s top car insurance providers.

Company Credit History Annual Average
Allstate Poor $34,695.69
Allstate Fair $19,170.49
Allstate Good $14,598.09
Farmers Poor $11,579.33
Farmers Fair $6,881.67
Farmers Good $6,364.70
Geico Poor $8,212.73
Geico Fair $6,031.66
Geico Good $4,903.24
Liberty Mutual Poor $31,503.82
Liberty Mutual Fair $18,192.56
Liberty Mutual Good $10,042.90
Nationwide Poor $7,888.82
Nationwide Fair $5,932.40
Nationwide Good $5,041.07
Progressive Poor $6,184.82
Progressive Fair $5,198.94
Progressive Good $4,678.78
State Farm Poor $20,256.29
State Farm Fair $10,240.44
State Farm Good $6,948.71
Travelers Poor $8,923.51
Travelers Fair $8,653.62
Travelers Good $8,544.17
USAA Poor $5,415.46
USAA Fair $3,088.55
USAA Good $2,350.18

What affects your car insurance premium perhaps more than anything else, though? It’s something that worries a lot of folks: your driving record.

Driving Record Rates by Company

Do you have a spotless driving record? Most of us don’t, but be prepared to see your record reflected in your premium.

If you live in Michigan and have a DUI in your past, again, Progressive or USAA will likely be your most cost-effective car insurance providers.

The following table shows different insurance companies and their annual averages for people with varying driving records in the Great Lakes State.

Company Driving Record Annual Average
Allstate Clean record $11,113.69
Allstate With 1 accident $14,863.20
Allstate With 1 DUI $49,760.80
Allstate With 1 speeding violation $15,547.99
Farmers Clean record $6,933.96
Farmers With 1 accident $8,878.82
Farmers With 1 DUI $8,748.36
Farmers With 1 speeding violation $8,539.80
Geico Clean record $2,247.29
Geico With 1 accident $4,746.86
Geico With 1 DUI $14,384.88
Geico With 1 speeding violation $4,151.13
Liberty Mutual Clean record $13,939.21
Liberty Mutual With 1 accident $16,814.63
Liberty Mutual With 1 DUI $31,057.16
Liberty Mutual With 1 speeding violation $17,841.37
Nationwide Clean record $5,376.80
Nationwide With 1 accident $7,181.07
Nationwide With 1 DUI $6,532.75
Nationwide With 1 speeding violation $6,059.11
Progressive Clean record $4,533.62
Progressive With 1 accident $5,964.06
Progressive With 1 DUI $5,361.42
Progressive With 1 speeding violation $5,557.63
State Farm Clean record $7,942.35
State Farm With 1 accident $9,521.29
State Farm With 1 DUI $20,573.92
State Farm With 1 speeding violation $11,889.70
Travelers Clean record $5,891.56
Travelers With 1 accident $8,413.93
Travelers With 1 DUI $13,556.16
Travelers With 1 speeding violation $6,966.74
USAA Clean record $2,910.44
USAA With 1 accident $3,631.64
USAA With 1 DUI $4,758.07
USAA With 1 speeding violation $3,172.10

Largest Car Insurance Companies in Michigan

Knowing who the largest car insurance companies in your area are can help you find the best deal and the most reliable company, in many cases.

The table below provides Michigan’s largest insurance companies by direct premiums written, loss ratio, and market share.

Company Direct Premiums Written Loss Ratio Market Share
State Farm $1,662,966 53.42% 18.54%
Automobile Club Michigan $1,421,253 109.36% 15.84%
Progressive $1,261,150 68.76% 14.06%
Auto-Owners $888,716 90.82% 9.91%
Allstate $731,916 109.93% 8.16%
The Hanover $535,020 67.97% 5.96%
Michigan Farm Bureau $410,895 65.71% 4.58%
Liberty Mutual $390,079 66.52% 4.35%
USAA $271,157 88.71% 3.02%
Frankenmuth $157,962 66.30% 1.76%

Number of Foreign vs. Domestic Insurers in Michigan

When you hear the phrase “foreign or domestic car insurance company,” what do you think that means?

When it comes to auto insurers, domestic simply means an in-state provider, and foreign, an out-of-state provider.

According to the NAIC, Michigan has 65 domestic car insurance companies and 786 foreign car insurance providers.

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Michigan Laws

So you want to drive in Michigan? The Great Lakes State is one of the most gorgeous places in the United States, especially in the fall, as the video below shows.

But as you probably know, all states have their own distinct laws, and some of them can be a little odd.

In the sections below, we’ll cover a variety of legal topics related to driving and insuring your car in Michigan.

You might also want to check out the National Motorists Association’s guide to driving in Michigan.

Car Insurance Laws

As we’ve seen above, Michigan requires liability insurance with the following minimums:

  • $20,000 for bodily injury or death of one person in an accident caused by the owner of the insured vehicle
  • $40,000 for total bodily injury or death in an accident caused by the owner of the insured vehicle
  • $10,000 for property damage per accident caused by the owner of the insured vehicle

Also remember, these are minimums. What is best for you and your family might be coverage above liability, such as the add-ons we explored earlier.

How State Laws for Insurance Are Determined

Do you know about the National Association of Insurance Commissioners (NAIC)?

Unless you’re an insurance nerd like us, you probably haven’t heard of them before. But that’s okay.

The NAIC is the U.S. standard-setting and regulatory support organization for the insurance industry, including car insurance. They were created and are governed by the chief insurance regulators from all 50 states, the District of Columbia, and five U.S. territories.

And in case you’re curious how insurance laws actually get made, they offer this white paper to help you understand.

Michigan’s state legislature has been making some moves recently to be more proactive about protecting the state’s car insurance consumers, as you can see in the video below.

Windshield Coverage

While some states have strict laws regarding insurance benefits for full glass replacement services, Michigan has no specific laws to this end.

Companies can offer a windshield replacement and repair coverage option in their policies, but they don’t have to provide them. Comprehensive coverage generally includes this as part of the policies subject to a deductible.

Windshield and glass coverage may be an easy add-on to your car insurance. Make sure to check with your provider. After all, glass claims are the top insurance claims filed across the country.

Michigan law allows car owners to use aftermarket parts in windshield repair, but the shop must state that specifically in the estimate.

Car owners can also choose their own repair shop, but they may need to cover the cost of any price differences if they do so.

High-Risk Insurance

If you have a bad driving record, it may be difficult to find an insurance company that’s willing to insure you as a driver.

Luckily, in most states, insurance companies have made programs available to provide affordable coverage for those who are deemed high-risk drivers.

The Michigan Automobile Insurance Placement Facility (MAIPF) helps drivers who can’t get coverage on the open market. However, it’s the last resort for those who have been turned down before by private insurance providers.

Low-Cost Insurance

Some states have programs set up for those who receive benefits from government assistance programs, or those who have a combined family income that is below the poverty level.

Unfortunately, Michigan has no such plan in place.

To obey the law, you must carry the minimum liability coverage.

Automobile Insurance Fraud in Michigan

Michigan has a commission specifically charged with fighting insurance fraud in the state.

Insurance fraud, which includes lying about, concealing, or omitting information related to a claim, is illegal in Michigan. It carries a penalty of up to five years in jail and fines of up to $50,000. Those who commit this crime also face restitution and other civil penalties.

The Michigan Department of Insurance and Financial Services estimates that 15 percent of insurance claims in 2012 showed signs of possible fraud. The easiest way to avoid committing insurance fraud? Be honest with your insurance provider at all times.

Statute of Limitations

A statute of limitations means you have a specific amount of time to file a claim in a court of law. In Michigan, you have three years to file both property damage and bodily injury claims following an automobile accident.

Vehicle Licensing Laws

Like all other states in America, Michigan has mandatory licensing laws in addition to the laws we have already covered. You’re probably not surprised to learn that you need a valid driver’s license to operate a vehicle in Michigan.

And be honest: who doesn’t love getting their picture taken at the DMV? Okay, maybe that’s not the case. But you should know: licensing yourself and your vehicle in Michigan may be easier than you think.

Through their online ExpressSOS portal, residents can renew their registrations and driver’s licenses, update or change their addresses, and access their driving histories. They can also look up vehicle registration and insurance information.

REAL ID

Passed by Congress in 2005, the REAL ID Act establishes minimum security standards for state-issued driver’s licenses and identification cards and prohibits federal agencies from accepting for official purposes licenses and identification cards from states that do not meet these standards.

Michigan complies with the REAL ID Act Congress passed and Homeland Security enforces. This means a driver’s license or state ID is an acceptable form of identification at federal facilities, airports, and nuclear power plants.

As of October 1, 2020, anyone wishing to fly on a commercial flight or enter a federal facility must have a REAL ID-compliant form of identification, usually noted by a black star in the upper-right corner of your driver’s license.

Penalties for Driving Without Insurance

Driving without insurance is a misdemeanor crime in Michigan. And it can lead to both fines and prison time.

Under Michigan law, a police officer can fine a driver who doesn’t show proof of insurance — even if they have it. As we mentioned before, your proof of insurance is evidence that you can pay for damages from an accident. Nowadays, showing proof of insurance can be as easy as taking out your smartphone.

Potential penalties for driving without insurance include:

  • $200 to $400 in fines
  • Up to one year in jail
  • License suspension of up to 30 days, or until you provide proof of insurance
  • $25 to $125 reinstatement fee

On top of that, Michigan police can look up your license plate number to see if you have insurance before they pull you over.

Are you familiar with the teen driving laws in Michigan?

Teen Driving Laws

Most states have some form of graduated licensing laws for teens, and Michigan is no exception. This short video provides some helpful information about getting a teen license in the Great Lakes State.

The table below outlines the specifics of Michigan’s young driver graduated licensing system.

Licensing Laws Age Restrictions Passenger Restrictions Time Restrictions
Learner's Permit 14 and 9 months; permit applicants younger than 18 must have completed the first segment of driver education no more than 1 passenger younger than 21 (family members excepted) 10 p.m.-5 a.m.
Provisional License 6 months holding period, 50 hours, 10 of which must be at night no more than 1 passenger younger than 21 (family members excepted) 10 p.m.-5 a.m.
Full License 16; Neither driver education nor an intermediate license is required for license applicants 18 and older. Lifted after 6 months and age 17 or until age 18 (min. age 17). Lifted after 6 months and age 17 or until age 18 (min. age 17).

Teenage drivers are not the only ones who have a specific set of laws that pertain to their licensing requirements. In most states, older drivers also have restrictions when it comes to renewing their licenses.

Older Driver License Renewal Procedures

All Michigan drivers must renew their driver’s license every four years, regardless of age. And every Michigander who’s also a U.S. citizen can renew online or by mail on every second renewal.

Michigan doesn’t have any renewal laws specific to older drivers. Keep in mind, though: every in-person renewal requires a vision test. You’ll need to bring any prescription eyewear and pay a fee.

The table below provides some specifics about Michigan’s renewal procedures.

Renewal Procedures General Population Older Population
License renewal cycle 4 years 4 years
Mail or online renewal permitted both, every other renewal both, every other renewal
Proof of adequate vision required at renewal when renewing in person when renewing in person

But what do you do if you’re new to Michigan?

New Residents

If you’re a new Michigan resident age 18 or older, you must register and title your vehicles and turn over the title from your former state of residence within 30 days.

That’s a month to get yourself to the Michigan DMV.

Those who apply for a license must show proof of residency and/or employment, bring their Social Security number, and pay a $25 fee. With a valid license from another state or one that has been expired for less than four years, the Secretary of State’s office may waive the required written and driving skills test. But you’ll still need to take a vision test.

Drivers from another country with temporary status in the United States can receive a temporary license at the DMV with proper documentation.

Negligent Operator Treatment System (NOTS)

Michigan uses a points system for violations. Points range between two and six depending on the offense, and include the following:

  • Two points: minor moving violations such as speeding 10 mph or less over the limit, refusing a breathalyzer (under age 21), open alcohol containers
  • Three points: careless driving, speeding 11-15 mph over the limit, failure to obey traffic lights or stop signs, or to stop at a railroad crossing
  • Four points: Drag racing, driving while visibly impaired, speeding 16 mph or more over the limit, or any blood alcohol content while under age 21
  • Six points: a felony involving the use of a motor vehicle (such as manslaughter), driving under the influence, reckless driving, fleeing a police officer

If you rack up 12 points, your license will be suspended.

Rules of the Road

From New York to California, and certainly in Michigan in between, every state has its own rules of the road.

Knowing what they are in the Great Lakes State will help you avoid getting negligent operator points on your license or hefty tickets.

Keep reading to find out all of the information you need to know to save money on car insurance by following the laws of the state of Michigan.

Fault Vs. No-Fault

As we mentioned above, Michigan is one of 12 no-fault states. It’s also the only no-fault state where PIP injury benefits are unlimited, but that will change in July 2020 when the new insurance reform laws go into effect, which will also make lower PIP limit choices available.

Under the new law, drivers will be able to sue for excess medical benefits rather than for specific circumstances that limit lawsuits.

Seat Belt and Car Seat Laws

Michigan law requires drivers and passengers over the age of 16 to wear a seat belt or face fines starting at $25 for failure to do so.

These are the state’s child restraint laws, which apply to those 15 years of age and under:

  • Children under 4 must be in the rear seat if available.
  • All children 8 and under and under 4 feet, 9 inches tall must be in an appropriate car seat or booster seat.
  • All children ages 8 to 15 and at least 57 inches tall must wear a seat belt in the front and back seats.

The minimum fine for violating the child restraint law is $10.

Keep Right and Move Over Laws

In a lot of places, it’s just common courtesy, but Michigan traffic laws mandate that drivers must keep right to let faster vehicles pass. There are a few exceptions to the rule:

  • When passing another vehicle on the left
  • When making a left turn
  • In heavy traffic
  • On a freeway with more than three lanes

When it comes to move-over laws, the American Automobile Associaion reports that Michigan state law “requires drivers approaching a stationary emergency vehicle displaying flashing lights, including towing and recovery vehicles, traveling in the same direction, to vacate the lane closest if safe and possible to do so, or to slow to a speed safe for weather, road and traffic conditions. The law also includes stationary solid waste collection, utility service, or road maintenance vehicles.”

Speed Limits

Speeding is never a good idea, but in Michigan, you should know there are two types of speeding: absolute and presumed.

Absolute speeding means exceeding the speed limit is illegal, regardless of whether it was safe under the specific conditions. Absolutely speed limits apply to the state’s interstates and highways.

Presumed speeding means that you can drive faster than the speed limit if it’s reasonable to argue that your speed was perfectly safe and not reckless, given the conditions. This only applies to driving on roads other than interstates and highways.

In Michigan, absolute speed limits are:

  • Rural interstates: Cars – 70 mph (75 mph on select segments), Trucks 65 mph
  • Urban interstates: Cars – 70 mph; Trucks – 60 mph
  • Other limited-access roads: Cars – 70 mph; Trucks – 60 mph

And remember, a speeding ticket is one of the quickest ways to raise your car insurance premiums.

Ridesharing

Farmers and State Farm provide ridesharing insurance in Michigan.

The state requires all drivers for Uber, Lyft, and similar services to pass background checks and have their vehicles inspected regularly. State law also places limits on the driving record of anyone who drives for a rideshare company.

Rideshare drivers must have $1 million in liability insurance when they carry a passenger and $50,000 in liability when not using their vehicles for ridesharing.

In keeping with Michigan’s no-fault laws, in case of an accident, the passenger’s PIP coverage will serve as the primary coverage. When the passenger doesn’t have coverage, the rideshare driver or company will be responsible for the coverage.

Automation on the Road

What the heck is automation?

The Insurance Institute for Highway Safety (IIHS) explains that automation is simply the use of a machine or technology to perform a task previously carried out by a human.

When it comes to automation, typically think radars, cameras, and other sensors used to gather information about a vehicle’s surroundings.

In Michigan, it’s legal to test and deploy autonomous vehicles, but the operator must have a license and liability insurance.

Safety Laws

Let’s take a look at some important safety laws in Michigan.

DUI Laws

As you probably already know, driving under the influence of alcohol has disastrous, often fatal, results.

That’s why strict laws are in place to prevent drunk driving fatalities, injuries, and property damage. In Michigan in 2017 alone, drunk driving caused 311 deaths.

In the table below, we’ve listed some important details about Michigan’s impaired driving laws.

Offense Number License Suspension Fine Incarceration Other Penalties
First 6 months - possible restricted license after 30 days $100-$500 5 days to 1 year OR 30-90 hours community service 6 points on record and possible interlock device
Second 1 year minimum, 5 years if previous conviction within past 7 years $200-$1,000 plus $1,000 driver responsibility fee 30 days minimum up to 1 year and 48 hours must be served in jail/workhouse License plate confiscated, vehicle immobilized 60-90 days or forfeited, and 6 points on license
Third Minimum 1 year, 5 years if previous conviction within past 7 years $500-$5,000 plus $1,000 driver responsibility fee 1-5 years License plate confiscated, vehicle immobilized 1-3 years or forfeited, possible registration denial or vehicle forfeiture, 6 points on record

But what about driving under the influence of marijuana in Michigan?

Marijuana Impaired Driving Laws

Although marijuana is legal in Michigan, there is currently no allowable legal amount of THC, the chemical that makes a person high, in a driver’s bloodstream.

Drive high and you’re subject to the same penalties for driving under the influence of alcohol outlined above.

Distracted Driving Laws

In Michigan, texting while driving is illegal for all drivers, regardless of age.

Michigan doesn’t have any statewide handheld cell phone bans except for drivers with a learner’s permit or a Level 1 or Level 2 graduated license (integrated voice-operated systems excepted).

The cities of Detroit and Troy have enacted bans on handheld cell phone use while driving, and others are following suit. The video below examines Michigan’s distracted driving laws, including how they affect teen drivers specifically.

Driving in Michigan

You know driving safely is important wherever you are.

Read on for some important information about keeping you, your family, and your vehicles safe in the state of Michigan.

Vehicle Theft in Michigan

The Federal Bureau of Investigation (FBI) keeps track of vehicle thefts and other crimes city-by-city in all states. In Michigan, this means they’re tracking vehicle theft everywhere, from Addison Township to Zilwaukee.

In 2016, Detroit — Michigan’s largest city and capital of America’s car industry — led the state in vehicle thefts with a whopping 8,905 vehicles stolen.

You might want to know what vehicles are stolen the most in the Wolverine State. The table below shows the top 10 most-stolen cars in Michigan for 2018 by make/model and number of vehicles stolen.

Make/Model Number of Thefts
Chevrolet Impala 733
Chevrolet Pickup (Full Size) 585
Ford Pickup (Full Size) 530
Dodge Caravan 528
Dodge Charger 477
Chevrolet Trailblazer 462
Chevrolet Malibu 451
Pontiac Grand Prix 418
Jeep Cherokee/Grand Cherokee 407
Ford Fusion 355

Road Fatalities in Michigan

Michigan has some dangerous roadways, winding up snowy hills, through flood-prone valleys, and across congested metro areas.

Most Fatal Highway in Michigan

According to Geotab, US-31 is Michigan’s most fatal highway, with around 11 fatal crashes a year. US-31 follows Lake Michigan’s coastline from the border with Indiana in the south to the bridge that connects Michigan’s mainland with the Upper Peninsula.

Fatal Crashes by Weather and Light Conditions

Michigan, as you probably know, isn’t always a paradise of green forests. In fact, winters in this northern state can be quite harsh, with snowfalls measured in feet, not inches.

Not surprisingly, crashes are highly contingent on both weather and light conditions, especially in a winter wonderland such as Michigan.

The table below provides a breakdown of fatal crashes by weather and light conditions across Michigan in 2017.

Weather Condition Daylight Dark, but Lighted Dark Dawn or Dusk Other / Unknown Total
Normal 413 140 195 30 2 780
Rain 29 27 27 3 0 86
Snow/Sleet 22 8 14 4 0 48
Other 7 6 7 1 0 21
Unknown 0 0 2 0 2 4
TOTAL 471 181 245 38 4 939

Fatalities in Top 10 Counties (All Crashes)

The table below provides fatalities for all crashes in Michigan’s 10 biggest counties from 2014 to 2018.

County 2014 2015 2016 2017 2018
Genesee County 33 33 50 38 43
Kalamazoo County 16 27 35 38 30
Kent County 55 64 57 69 65
Macomb County 46 61 63 42 53
Monroe County 27 13 18 23 29
Oakland County 63 67 80 69 54
Ottawa County 24 19 27 17 26
Saginaw County 10 23 14 22 26
Washtenaw County 30 27 26 39 27
Wayne County 174 190 201 161 164

Fatalities by Person Type

What kind of vehicles are Michiganders riding in or driving when they’re in a deadly car crash? The table below shows fatalities by passenger type from 2014 to 2018.

Person Type 2014 2015 2016 2017 2018
Passenger Car 335 342 377 388 367
Light Truck - Pickup 88 95 97 80 91
Light Truck - Utility 119 121 140 141 139
Light Truck - Van 42 30 49 49 43
Light Truck - Other 1 0 1 1 0
Large Truck 9 11 12 15 10
Bus 3 0 0 0 0
Other/Unknown Occupants 16 19 27 23 13
Total Occupants 613 618 703 697 663

Fatalities by Crash Type

The National Highway Transportation Safety Administration (NHTSA) notes that accidents involving a single vehicle or a roadway departure are at the top of the list of fatal crash types in Michigan.

The table below offers their crash type fatality figures for Michigan from 2014 to 2018.

Crash Type 2014 2015 2016 2017 2018
Total fatalities (All crashes)* 901 967 1,065 1,031 974
Single vehicle 469 536 543 519 472
Involving a large truck 98 75 113 90 105
Involving speeding 235 264 245 241 245
Involving a rollover 182 163 174 224 174
Involving a roadway departure 426 484 468 430 449
Involving an intersection (or intersection related) 233 238 322 269 269

Fatalities Involving Speeding by County

Of Michigan’s 83 counties, Wayne County — which includes the city of Detroit — led the state for 2017 fatalities involving a speeding vehicle with 57 deaths.

The table below provides the county-by-county breakdown of fatalities involving speeding for Michigan’s eight biggest counties between 2013 and 2017.

County 2013 2014 2015 2016 2017
Cass County 4 4 3 1 8
Ingham County 5 6 3 7 8
Kalamazoo County 11 4 12 8 11
Kent County 9 12 13 13 16
Livingston County 5 6 2 5 7
Macomb County 15 3 15 10 8
Oakland County 12 10 8 10 12
Wayne County 50 49 57 58 57

Fatalities for Crashes Involving an Alcohol-Impaired Driver

Again, Wayne County, which includes the city of Detroit, leads the state in fatalities in crashes involving an alcohol-impaired driver. The table below provides the 2013 to 2017 statistics for such fatalities in Michigan’s eight biggest counties.

County 2013 2014 2015 2016 2017
Genesee County 10 8 11 12 10
Jackson County 2 2 4 3 11
Kent County 14 14 14 13 16
Macomb County 14 11 14 14 14
Monroe County 6 12 3 6 12
Oakland County 9 14 17 22 18
Washtenaw County 10 10 9 3 12
Wayne County 47 34 48 61 54

No matter where you live, you should never drink and drive.

Teen Drinking and Driving

Michigan sees an average of 1.2 fatalities every year for every 100,000 residents due to teen drinking and driving. Though this is exactly the same as the national average, it’s still a startling statistic. In 2017 alone, 194 underage Michiganders were arrested for drunk driving.

EMS Response Time

Michigan is a large state, with a big urban-rural divide. EMS response times to crashes are dependent on where the crash happens.

The table below breaks down the average EMS response times for urban and rural areas of Michigan, from time of the crash to EMS notification, as well as time of crash to hospital arrival.

Location Time of Crash to Notification Arrival Arrival at Scene to Hospital Time of Crash to Hospital
Rural 2.67 minutes 10.41 minutes N/A N/A
Urban 2.01 minutes 5.44 minutes N/A N/A

Transportation

DataUSA reports that if you call Michigan home, you likely live in a two-car household and drive alone 23.3 minutes each way to work.

Car Ownership

Michiganders love their cars, and the data backs this claim up.

According to DataUSA, 43.7 percent of Michigan households owned two cars in 2017. 21.3 percent owned three cars, and 19.6 percent owned just one.

Commute Time

DataUSA also reports that “using averages, employees in Michigan have a shorter commute time (23.3 minutes) than the normal U.S. worker (25.5 minutes). Additionally, 1.75 percent of the workforce in Michigan have ‘super commutes’ in excess of 90 minutes.”

Commuter Transportation

Outside of the Detroit metropolitan area, public transportation is not much of an option in Michigan. Accordingly, DataUSA explains that “in 2017, the most common method of travel for workers in Michigan was Drove Alone (82.5 percent), followed by those who Carpooled (8.71 percent) and those who Worked At Home (4.19 percent).”

Traffic Congestion in Michigan

In the Great Lakes State, only residents of Detroit face much of a congestion problem.

According to traffic monitoring agency INRIX, the Motor City is the 27th most congested city in North America and ranks 146th worldwide. Detroit drivers spend an average of 66 minutes in congested traffic each day.

But we still think the Motor City, home of Motown, is pretty great.

We hope this guide to car insurance in Michigan helped you think about all the factors that go into choosing the best provider for you and your family’s needs.

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