CarInsuranceGuide Updated May 2026
BEST CAR INSURANCE MI 2026

Best Car Insurance in Michigan

Michigan averages $4,788/year for full coverage — 107% above national average. Michigan's unique unlimited Personal Injury Protection (PIP) requirement drove rates to the highest in the nation. Reforms in 2020 allowed drivers to choose lower PIP limits, and rates have begun to decline.

$4,788/yr
Full coverage avg
$1,574/yr
Min coverage avg
50/100/10 + unlimited PIP (or choice of lower PIP limit post-2020 reform)
State minimum

Best Car Insurance in Michigan — Ranked

#1 GEICO
$3,100/yr avg • A++ AM Best • Best rate for most MI drivers post-reform
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#2 Progressive
$3,290/yr avg • A+ AM Best • Best for high-risk drivers in MI
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#3 State Farm
$3,980/yr avg • A++ AM Best • Best claims service in Michigan
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#4 Nationwide
$3,650/yr avg • A+ AM Best • SmartRide telematics up to 40% off
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Michigan Car Insurance FAQ

Michigan requires unlimited Personal Injury Protection (PIP) — no dollar cap on medical bills after an accident. This unique law drove rates to $4,788/year average. 2020 reforms allow drivers to choose lower PIP limits ($50K, $250K, $500K, or unlimited), which has started to reduce rates.
Michigan averages $4,788/year for full coverage — the most expensive state in the US. Minimum coverage averages $1,574/year. Drivers who opted for lower PIP limits after the 2020 reform can see significant savings.
Michigan requires 50/100/10 liability plus PIP (Personal Injury Protection). You can now choose your PIP level: unlimited, $500K, $250K, $50K, or if you have qualifying health insurance, opt out of PIP medical entirely.
Yes — the 2020 PIP reform lets you choose a lower PIP limit if you have qualifying health insurance, saving hundreds per year. Also: compare quotes (GEICO typically offers the lowest MI rates), use telematics (Nationwide SmartRide, Progressive Snapshot), and raise your deductible.
Yes. Michigan is a no-fault state — your own insurer pays your medical bills regardless of who caused the accident. This is why Michigan rates are so high. The 2020 reform gave drivers more PIP choices to reduce costs.

Compare Michigan Rates Now

Takes 5 minutes. The average Michigan driver saves $400–$800/year by switching from their current insurer.

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