Cheap Car Insurance in Michigan

Michigan, bordering 4 of the 5 Great Lakes, is proud to be known as the state with the most lighthouses. Living in the largest state east of the Mississippi River, Michigan residents enjoy world-class attractions as well as vast scenic wonders. This “Winter Wonderland” attracts tourists for its beauty on the northern peninsula and for its major industry on the southern. Michigan drivers enjoy white winters and warm, pleasant summers, so Cheap Car Insurance has put all the information drivers will need right here in one spot. That way, Michigan drivers can spend time enjoying “The Wolverine State” instead of searching for information.

Average Costs for Car Insurance in Michigan

The average costs for car insurance in Michigan state wide is around $1,156 a year. Your personal auto insurance policy quotes will be determined on quite a few factors. However, here is a quick breakdown of what you can expect your average costs to be based on the vehicle type and city:

County:	Sedan:	SUV:	Coupe:	Truck:	Hybrid:
Alcona	$2,117	$1,637	$1,971	$1,499	$1,991
Alger	$2,083	$1,609	$1,946	$1,476	$1,974
Allegan	$2,041	$1,504	$1,817	$1,517	$2,017
Alpena	$2,110	$1,573	$1,895	$1,493	$1,987
Antrim	$2,132	$1,576	$1,905	$1,498	$2,012
Arenac	$2,173	$1,616	$1,942	$1,666	$2,175
Baraga	$2,182	$1,635	$1,971	$1,545	$2,069
Barry	$2,315	$1,704	$2,072	$1,714	$2,278
Bay	$1,982	$1,463	$1,754	$1,418	$1,874
Benzie	$2,106	$1,550	$1,877	$1,541	$2,064
Berrien	$1,846	$1,372	$1,658	$1,317	$1,728
Branch	$2,125	$1,580	$1,904	$1,536	$2,040
Calhoun	$1,890	$1,402	$1,696	$1,455	$1,949
Cass	$2,167	$1,600	$1,923	$1,602	$2,112
Charlevoix	$2,080	$1,535	$1,847	$1,489	$1,999
Cheboygan	$2,107	$1,610	$1,952	$1,491	$1,983
Chippewa	$2,078	$1,607	$1,998	$1,470	$1,949
Clare	$2,222	$1,644	$1,985	$1,705	$2,245
Clinton	$1,794	$1,340	$1,614	$1,389	$1,845
Crawford	$2,167	$1,673	$2,075	$1,531	$2,038
Delta	$2,063	$1,533	$1,853	$1,603	$2,115
Dickinson	$2,098	$1,569	$1,891	$1,521	$2,041
Eaton	$1,857	$1,380	$1,661	$1,415	$1,894
Emmet	$1,991	$1,472	$1,775	$1,493	$2,003
Genesee	$2,087	$1,592	$1,934	$1,483	$1,965
Gladwin	$2,252	$1,661	$2,008	$1,716	$2,267
Gogebic	$2,000	$1,498	$1,800	$1,469	$1,945
Grand Traverse	$2,048	$1,508	$1,823	$1,504	$2,018
Gratiot	$1,725	$1,308	$1,568	$1,379	$1,791
Hillsdale	$2,034	$1,514	$1,812	$1,542	$2,027
Houghton	$2,042	$1,553	$1,885	$1,446	$1,934
Huron	$2,354	$1,736	$2,088	$1,718	$2,290
Ingham	$1,794	$1,336	$1,606	$1,372	$1,834
Ionia	$2,146	$1,585	$1,915	$1,551	$2,061
Iosco	$2,109	$1,568	$1,891	$1,497	$1,990
Iron	$2,101	$1,571	$1,892	$1,609	$2,138
Isabella	$2,059	$1,527	$1,841	$1,554	$2,074
Jackson	$1,738	$1,307	$1,569	$1,361	$1,798
Kalamazoo	$1,769	$1,312	$1,594	$1,373	$1,864
Kalkaska	$2,250	$1,645	$1,996	$1,590	$2,116
Kent	$1,886	$1,385	$1,693	$1,438	$1,926
Keweenaw	$2,036	$1,575	$2,055	$1,444	$1,926
Lake	$2,312	$1,697	$2,052	$1,650	$2,216
Lapeer	$2,339	$1,704	$2,073	$1,708	$2,267
Leelanau	$2,125	$1,566	$1,886	$1,503	$2,015
Lenawee	$1,985	$1,469	$1,770	$1,507	$2,003
Livingston	$2,149	$1,570	$1,905	$1,597	$2,157
Luce	$2,098	$1,621	$2,020	$1,482	$1,966
Mackinac	$2,044	$1,583	$1,983	$1,449	$1,921
Macomb	$2,500	$1,804	$2,198	$1,761	$2,345
Manistee	$2,151	$1,586	$1,914	$1,624	$2,168
Marquette	$1,876	$1,400	$1,694	$1,451	$1,943
Mason	$2,189	$1,610	$1,954	$1,607	$2,170
Mecosta	$2,235	$1,645	$1,990	$1,657	$2,214
Menominee	$2,201	$1,641	$1,978	$1,680	$2,226
Midland	$1,735	$1,300	$1,554	$1,327	$1,757
Missaukee	$2,237	$1,650	$1,993	$1,629	$2,167
Monroe	$2,276	$1,709	$2,069	$1,603	$2,109
Montcalm	$2,204	$1,629	$1,966	$1,681	$2,222
Montmorency	$2,058	$1,594	$2,035	$1,459	$1,929
Muskegon	$2,000	$1,469	$1,783	$1,448	$1,935
Newaygo	$2,328	$1,696	$2,064	$1,641	$2,185
Oakland	$2,039	$1,496	$1,819	$1,540	$2,095
Oceana	$2,208	$1,685	$2,035	$1,551	$2,070
Ogemaw	$2,238	$1,664	$2,004	$1,599	$2,125
Ontonagon	$1,923	$1,443	$1,732	$1,438	$1,919
Osceola	$2,315	$1,703	$2,069	$1,720	$2,292
Oscoda	$2,132	$1,648	$2,082	$1,508	$2,004
Otsego	$2,089	$1,547	$1,869	$1,475	$1,957
Ottawa	$1,912	$1,413	$1,709	$1,378	$1,838
Presque Isle	$2,131	$1,647	$2,010	$1,508	$2,004
Roscommon	$2,247	$1,659	$2,000	$1,599	$2,125
Saginaw	$2,031	$1,495	$1,799	$1,483	$1,965
Sanilac	$2,362	$1,732	$2,095	$1,710	$2,273
Schoolcraft	$2,100	$1,625	$1,962	$1,491	$1,985
Shiawassee	$1,961	$1,459	$1,753	$1,499	$1,985
St. Clair	$2,261	$1,689	$2,046	$1,590	$2,104
St. Joseph	$2,132	$1,572	$1,890	$1,526	$2,015
Tuscola	$2,282	$1,686	$2,032	$1,615	$2,141
Van Buren	$2,040	$1,557	$1,880	$1,440	$1,899
Washtenaw	$1,887	$1,400	$1,678	$1,419	$1,889
Wayne	$2,332	$1,695	$2,060	$1,671	$2,240
Wexford	$2,193	$1,650	$1,990	$1,540	$2,043

Minimum Requirements for Car Insurance in Michigan

Michigan’s Department of Insurance and Financial Services requires all Michigan vehicles to purchase no-fault automobile insurance. Michigan outlines the minimums for only the Residual Liability portion of the policy:
Liability Coverage minimums:
- $20,000 per individual to cover bodily injury or death.
- $40,000 per accident involving bodily injuries or deaths.
- $10,000 for property damage.

Failure to maintain proper insurance can result in fines and vehicle impounds

New Driver Licenses

Michigan’s booklet, What Every Driver Must Know, serves as its driver’s manual. All Michigan drivers must be properly licensed to operate a vehicle within the state, and all new drivers age 18 and older may obtain a license by completing the following steps:
- Prove Michigan residency
- Pass the vision and knowledge tests
- Drive for at least 30 days on a Temporary Instruction Permit
- Pass the road skills test and pay the appropriate fees
Drivers possessing an out-of-state license that is current may waive the knowledge and driving tests as well as the Temporary Instruction Permit.
Michigan drivers under the age of 18, however, must participate in the Graduated Driver’s License Program (GDL). Outlined in the manual, this program involves three licenses prior to obtaining a full driver’s license: Level 1 License, Level 2 License, Level 3 License:
- Level 1 License. Applicants age 14 years, 8 months may enroll in Segment 1 of the driver education portion of the GDL. This includes:
  - 24 class hours
  - 6 hours of driving instruction
  - 4 hours of driving observation
- Once the applicant has completed the driver education portion and has reached 14 years, 9 months of age, he/she may apply for the Level 1 License. The following applies in this stage:
  - The applicant must be accompanied by a licensed driver age 21 or older.
  - The applicant must complete 50 hours of driving time, with 10 hours of night driving.
  - The applicant must hold the license for at least 6 consecutive months.
  - The applicant must complete Segment 2 of the driver education course. To do so, the applicant must:
    - Held the Level 1 License for at least 3 months
    - Log at least 30 of the 50 driving hours
- Level 2 License. To hold a Level 2 License, the applicant must complete Level 1 and pass the driving skills test. During this level, the following applies:
  - Must be at least 16 years of age
  - May not drive between 10 pm and 5 am unless:
    - Driving to and from employment or an “authorized activity” (refer to the driver’s manual)
    - Accompanied by a parent/legal guardian or a licensed driver age 21 or older
  - Hold the license for at least 6 months
  - May not drive with a passenger under age 21, with a few exceptions listed in the driver’s manual
- Level 3 License. Applicants who successfully complete Levels 1 and 2 and reach age 17 will automatically move to a Level 3. This license becomes a full license when the holder turns 18.
Vision Exam. For an unrestricted license, applicants must pass the vision test with a visual acuity of at leat 20/40 and a peripheral of at least 140 degrees. Restrictions apply to drivers with visual acuity of less than 20/40 to 20/50 and a peripheral vision of less than 140 to 110 degrees. Daylight driving restrictions may be applied to drivers with visual acuity of less than 20/50 to 20/70.
Knowledge Test. The knowledge test is a written exam that evaluates the applicant’s understanding of basic traffic laws, regualations, signs and procedures. Information to pass the test can be found in the Michigan driver’s manual.
Road Skills Test. The road skills test evaluates the applicant’s ability regarding vehicle knowledge and control. Michigan has provided the Road Skills Test Study Guide to prepare applicants for the exam. The test consists of 3 parts:
- The Vehicle Inspection
- Basic Control Skills
- On-Street Driving Test
Lists for the items included in the vehicle inspection and for the reguired maneuvers/knowledge to pass the driving test are included in the study guide.
Fees. Every applicant must pay a $25 fee for a new Michigan drivers license

DUI Laws and Fines

BAC limit: .08 Michigan’s Secretary of State has provided a web page full of useful information regarding the state’s Operating While Intoxicated (OUI) laws. Listed below are the major penalties for OWI convictions in Michigan:
First Offense:
- Fine: $100 – $500 and one or more of the following
  - maximum 93 days in jail
  - maximum 360 hours community service
- License suspension: 30 days followed by a restricted license for 150 days
- Possible Ignition Interlock Device (IID)
- Possible vehicle immobilization
- Driver Responsibility Fee: $1,000 for 2 consecutive years
- BAC of .17 or higher increases the severity of each penalty
Second Offense within 7 Years:
- Fine: $200 – $1,000 and one or more of the following:
  - Jail: 5 days to 1 year
  - 30 to 90 days community service
- License revocation: 1 year
- License plate confiscation
- Vehicle immobilization for 90 to 180 days
- Possible vehicle forfeiture
- Driver Responsibility Fee: $1,000 for 2 consecutive years
Third Offense within a Lifetime – Felony:
- Fine: $500- $5,000 and one of the following:
  - Jail: 1 to 5 years
  - Probation with 30 days to 1 year in jail
- Community service: 60 to 180 days
- License revocation: minimum 1 year
- License plate confiscation
- Vehicle immobilization: 1 to 3 years
- Possible vehicle forfeiture
- Vehicle registration denial
- Driver Responsibility Fee: $1,000 for 2 consecutive years

OWI offenses involving minors, serious injury or death greatly increase penalties including permanent license revocations.

Texting & Driving Laws

Michigan has banned texting for all drivers, according to Distraction.gov. Cell phone use, whether handheld or hands-free, is band from all novice drivers.

State Driving Resources

State Department of Insurance

Michigan Department of Insurance and Financial Services
611 W Ottawa St, 3rd Floor
Lansing, MI 48933-1070
(517) 373-0220
877-999-6442 (Toll-Free)
www.michigan.gov/difs
Get Directions

Department of Transportation

Michigan Department of Transportation
State Transportation Building
425 W. Ottawa St.
P.O. Box 30050
Lansing, MI 48909
(517) 373-2090
www.michigan.gov/mdot
Get Directions

Department of Motor Vehicles

Michigan Secretary of State
3315 Michigan Ave.
Lansing, MI 48912
(888) SOS-MICH
(888) 767-6424
www.michigan.gov/sos
Get Directions

Find the Cheapest Car Insurance Policy in Michigan