Select Page

Michigan Car Insurance (No-Fault, Companies, & More)

FREE Auto Insurance Comparison

Compare quotes from the top car insurance companies and save!
Michigan Statistics SummaryDetails
Number of Roadway Miles122,284
Registered Vehicles7,867,924
Population9,995,915
Most Popular VehicleFord Escape
Uninsured Motorist Rate20.30%
Total Driving-related Deaths (2017)1,030
Speeding Fatalities (2017)241
DUI Fatalities (2017)311
Average Annual Car Insurance CostLiability $795.32
Collision $413.83
Comprehensive $154.85
Total $1,364.00
Cheapest ProviderUSAA

Michigan is home to a number of famous staples: Yoopers in the UP, the once-bustling Motor City, and, of course, the Great Lakes. Whether you’re visiting for the weekend or in for the long haul, the Wolverine State has something for everyone.

Researching car insurance and car insurance premiums takes a considerable amount of time. Not only do you have to look into Michigan’s best providers, but you need to compare their coverage, varying rates, and fine print.

The good news is that you don’t have to do the work alone. Our guide to Michigan’s car insurance ins and outs will help you find the most affordable rate for your lifestyle. You can even use our FREE online tool to start comparing Michigan car insurance rates in your area.

Ready to get started? Let’s dive into the car insurance policies that make Michigan tick.

Table of Contents

Michigan Car Insurance Coverage and Rates

When it comes to car insurance, it’s best to start with the basics. Michigan has a variety of coverage options and rates available to residents that you can peruse at your leisure.

Don’t worry about making your way through that data on your own. We’ve done the bulk of research on Michigan’s car insurance scene for you. With our help, you’ll be able to find the best provider for you.

Minimum Car Insurance Requirements in Michigan

Every state has its own version of minimum liability coverage that residents are required to have to drive legally on the road. Michigan has its own perimeters that differ from the norm because it is a no-fault state.

In no-fault states, drivers who get into an accident are all individually responsible for their expenses after the accident takes place.

With that cost responsibility in mind, the state of Michigan requires all of its drivers to carry a minimum of 20/40/10 insurance. That breakdown comes out to:

  • $20,000 of coverage for bodily injury or death for a single person in a car accident
  • $40,000 of coverage in total for the bodily injury or death of the owner of a vehicle
  • $10,000 of coverage for property damage per accident as caused by the person who owns the vehicle

You are also required by state law to carry Uninsured/Underinsured Motorist Coverage, with minimums of $25,000 per person and $50,000 per accident.

You can optionally consider carrying Personal Injury Protection and Medical Payments Coverage (Med Pay) in addition to the aforementioned minimum liability coverage.

Forms of Financial Responsibility

If you get pulled over while driving in Michigan, you’re going to need to provide the attending law enforcement representative with proof of financial responsibility, or proof of insurance. Proof of financial responsibility in Michigan consists of:

  • A no-fault insurance certificate
  • Your insurance card

If you’re not able to show a law enforcement representative proof of insurance, you could face a $50 fine and the revocation of your license and registration.

Premiums as a Percentage of Income

Every year, you’re going to need to save up to pay for your car insurance. That amount of money is considered a percentage of your income. The size of that percentage is based on how much money you bring home after taxes on a yearly basis.

In Michigan, the average resident brings home $36,419.00 per year. Full coverage in Michigan costs an average of $1,350.58. That cut comes up to 3.71 percent.

Core Coverage

Of course, the percentage of income you have to put aside for car insurance will vary based on the kind of insurance you invest in. Take a look at the table below to see what kind of averages you should expect to see, based on the different types of coverage you can choose from:

CoverageAverage Annual Premium in MichiganNational Average
Liability$795.32$538.73
Collision$413.83$322.61
Comprehensive$154.85$148.04
Total$1,364.00$1,009.38

Additional Liability

Loss ratios will also impact the rate you should expect to work with, once you commit to a car insurance provider. But what is a loss ratio, exactly?

A loss ratio describes the amount of money that a car insurance provider stands to lose when filing a claim compared to the amount of money that they stand to gain from earned premiums.

Higher loss ratios mean that car insurance providers are likely to pay out on the claims you file, but they also mean that the car insurance provider may not be as financially stable as you might like.

Comparatively, a lower loss ratio means that a car insurance provider is less likely to pay out on your claim, but that they’re more financially secure than other providers.

Ideally, you want to work with a car insurance provider who’s loss ratio is between 60 and 80 percent.

Add-ons, Endorsements, and Riders

You can explore additional, optional coverage by considering the add-ons below:

  • Guaranteed Auto Protection (GAP)
  • Personal Umbrella Policy (PUP)
  • Rental Reimbursement
  • Emergency Roadside Assistance
  • Mechanical Breakdown Insurance
  • Non-owner Car Insurance
  • Modified Car Insurance Coverage
  • Classic Car Insurance
  • Pay-as-You-Drive (Usage-based Insurance)

Male Versus Females Rates

There are several different myths surrounding men, women, and car insurance rates. Some argue that men have to pay more for their car insurance, whereas others argue that women are charged more on a yearly basis. Take a look at the table below and see how rates divvy up:

CompanySingle 17-year-old femaleSingle 17-year-old maleSingle 25-year-old femaleSingle 25-year-old maleMarried 35-year-old femaleMarried 35-year-old maleMarried 60-year-old femaleMarried 60-year-old male
Allstate F&C$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 Ins Exch$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 Ind$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 Fire$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 Mutual Fire$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 Marathon$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 Mutual Auto$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 Affinity$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 CIC$6,472.15$6,145.20$3,229.01$3,095.85$2,649.82$2,508.37$2,491.74$2,352.36

As you can see, it’s age, more than gender, that impacts the rates that a car insurance provider will make available to you. Teenagers, in particular, have to pay more for car insurance than any other demographic of drivers.

Cheapest Rates by ZIP Code

Location also has a significant impact on car insurance rates. The table below shows which ZIP codes have the cheapest rates in Michigan.

Least Expensive ZIP Codes in Michigan CityAverage by ZIP CodesMost Expensive CompanyMost Expensive Rate2nd Most Expensive Company2nd Most Expensive RateCheapest CompanyCheapest Rate2nd Cheapest Company2nd Cheapest Rate
48880SAINT LOUIS$7,916.29Allstate$17,625.93Liberty Mutual$13,023.88USAA$3,489.43Progressive$4,430.90
48883SHEPHERD$7,958.69Allstate$17,642.89Liberty Mutual$13,023.88USAA$3,630.14Progressive$4,438.08
48894WESTPHALIA$8,036.93Allstate$17,180.01Liberty Mutual$16,459.31USAA$3,356.40Nationwide$3,787.40
48642MIDLAND$8,127.79Allstate$18,874.11Liberty Mutual$13,023.88USAA$3,157.97Progressive$4,355.62
48640MIDLAND$8,134.85Allstate$19,119.13Liberty Mutual$13,023.88USAA$3,157.97Progressive$3,672.71
48837GRAND LEDGE$8,153.32Allstate$17,357.46Liberty Mutual$16,459.31USAA$3,581.27Progressive$4,262.59
48104ANN ARBOR$8,224.45Allstate$19,974.06Liberty Mutual$15,223.99USAA$3,025.88Nationwide$3,820.88
48822EAGLE$8,229.45Allstate$17,324.08Liberty Mutual$16,459.31USAA$3,252.85Progressive$4,367.96
48657SANFORD$8,231.24Allstate$18,874.11Liberty Mutual$13,023.88USAA$3,397.49Progressive$4,182.70
48611AUBURN$8,242.98Allstate$19,119.13Liberty Mutual$13,023.88USAA$3,368.16Progressive$4,696.57
48615BRECKENRIDGE$8,248.57Allstate$17,625.93Liberty Mutual$13,023.88USAA$3,397.49Progressive$4,718.81
48821DIMONDALE$8,262.31Allstate$17,665.20Liberty Mutual$16,459.31USAA$3,288.33Progressive$4,150.50
49401ALLENDALE$8,267.02Allstate$20,296.94Liberty Mutual$16,202.49USAA$3,449.84Nationwide$4,244.16
49464ZEELAND$8,271.79Allstate$20,336.07Liberty Mutual$16,202.49USAA$3,285.66Nationwide$4,426.99
48623FREELAND$8,279.45Allstate$19,119.13Liberty Mutual$13,023.88USAA$3,368.16Progressive$4,298.98
48820DEWITT$8,285.75Allstate$17,793.59Liberty Mutual$16,459.31USAA$3,280.92Progressive$3,878.41
48813CHARLOTTE$8,295.51Allstate$20,260.84Liberty Mutual$16,459.31USAA$3,252.85Nationwide$3,709.93
49426HUDSONVILLE$8,302.44Allstate$20,336.07Liberty Mutual$17,839.53USAA$3,285.66Nationwide$4,244.16
48109ANN ARBOR$8,302.99Allstate$20,708.83Liberty Mutual$15,223.99USAA$3,058.33Nationwide$3,820.88
48618COLEMAN$8,309.23Allstate$18,855.96Liberty Mutual$13,023.88USAA$3,397.49Progressive$4,764.09
48808BATH$8,310.66Allstate$17,762.57Liberty Mutual$16,459.31USAA$3,280.92Progressive$4,291.31
48628HOPE$8,315.01Allstate$18,955.45Liberty Mutual$13,023.88USAA$3,157.97GEICO$4,834.01
49417GRAND HAVEN$8,327.06Allstate$20,317.57Liberty Mutual$16,202.49USAA$3,449.84Progressive$4,139.17
48103ANN ARBOR$8,357.87Allstate$19,829.22Liberty Mutual$15,223.99USAA$3,025.88Nationwide$4,001.28
48842HOLT$8,360.88Allstate$19,620.20Liberty Mutual$16,459.31USAA$3,636.68Progressive$4,546.52

Michigan also has some of the most expensive ZIP codes in the U.S. Most of these zip codes are located in Detroit.

Most Expensive ZIP Codes in Michigan CityAverage by ZIP CodeMost Expensive CompanyMost Expensive Rate2nd Most Expensive Company2nd Most Expensive RateCheapest CompanyCheapest Rate2nd Cheapest Company2nd Cheapest Rate
48201DETROIT$30,350.09Farmers$63,738.22Allstate$52,871.30USAA$5,458.09Progressive$10,036.37
48206DETROIT$29,791.56Farmers$61,225.89Liberty Mutual$47,565.43USAA$6,216.23Progressive$11,743.11
48227DETROIT$29,374.46Farmers$61,225.89Liberty Mutual$45,282.65USAA$6,238.69Progressive$11,774.67
48204DETROIT$29,281.79Farmers$61,633.34Liberty Mutual$45,107.37USAA$6,238.69Progressive$11,222.82
48202DETROIT$28,946.15Farmers$59,636.59Liberty Mutual$46,152.54USAA$5,458.09Progressive$10,767.83
48213DETROIT$28,556.49Allstate$52,871.30Farmers$50,002.36USAA$6,216.23Progressive$10,081.02
48210DETROIT$28,417.19Farmers$59,636.59Liberty Mutual$46,345.35USAA$4,659.88Progressive$10,835.13
48215DETROIT$28,186.14Allstate$52,871.30Farmers$48,767.38USAA$6,216.23Progressive$10,221.56
48238DETROIT$28,148.98Farmers$53,417.33Liberty Mutual$48,632.10USAA$6,336.99Progressive$10,622.96
48228DETROIT$28,073.12Farmers$60,483.39Allstate$44,530.40USAA$4,659.88Progressive$10,612.34
48216DETROIT$28,040.22Farmers$58,075.28Allstate$44,530.40USAA$5,458.09Progressive$11,048.62
48211DETROIT$28,033.06Farmers$48,674.51Liberty Mutual$48,550.18USAA$6,216.23Progressive$9,874.23
48205DETROIT$27,952.29Allstate$52,871.30Farmers$47,253.33USAA$6,216.23Progressive$10,036.44
48208DETROIT$27,867.09Farmers$50,223.16Liberty Mutual$48,684.22USAA$5,458.09Progressive$10,972.15
48226DETROIT$27,767.58Farmers$54,339.32Liberty Mutual$45,311.95USAA$5,458.09Progressive$10,493.86
48207DETROIT$27,424.94Allstate$52,871.30Farmers$47,343.17USAA$5,458.09Progressive$8,971.31
48212HAMTRAMCK$26,925.66Farmers$49,711.67Liberty Mutual$47,125.96USAA$6,216.23Progressive$9,774.02
48203HIGHLAND PARK$26,923.65Farmers$49,924.37Liberty Mutual$45,923.03USAA$6,336.99Progressive$9,871.02
48224DETROIT$26,758.51Allstate$52,871.30Farmers$48,424.52USAA$6,216.23Nationwide$11,346.83
48214DETROIT$26,730.26Allstate$52,871.30Farmers$44,390.45USAA$5,458.09Progressive$10,100.43
48209DETROIT$26,710.79Farmers$50,223.16Liberty Mutual$46,345.35USAA$4,904.33Progressive$9,855.96
48126DEARBORN$26,665.38Farmers$68,626.75Allstate$39,997.84USAA$4,659.88Progressive$9,695.00
48234DETROIT$26,566.42Farmers$45,563.29Allstate$44,722.83USAA$6,216.23Progressive$9,703.04
48235DETROIT$26,516.65Farmers$49,920.53Allstate$44,530.40USAA$6,336.99Progressive$9,917.37
48223DETROIT$26,031.27Farmers$47,170.49Allstate$44,530.40USAA$6,034.15Progressive$10,045.03

Cheapest Rates by City

Since the ZIP codes are clustered in a few cities, we want to broaden our analysis and look at the rates by cities. Let’s start with the cheapest car insurance rates by city.

Least Expensive Cities in Michigan Average by CityMost Expensive CompanyMost Expensive Rate2nd Most Expensive Company2nd Most Expensive RateCheapest CompanyCheapest Rate2nd Cheapest Company2nd Cheapest Rate
St. Louis$7,916.29Allstate$17,625.93Liberty Mutual$13,023.88USAA$3,489.43Progressive$4,430.90
Shepherd$7,958.69Allstate$17,642.89Liberty Mutual$13,023.88USAA$3,630.14Progressive$4,438.08
Westphalia$8,036.93Allstate$17,180.01Liberty Mutual$16,459.31USAA$3,356.40Nationwide$3,787.40
Midland$8,131.32Allstate$18,996.62Liberty Mutual$13,023.88USAA$3,157.97Progressive$4,014.16
Grand Ledge$8,153.32Allstate$17,357.46Liberty Mutual$16,459.31USAA$3,581.27Progressive$4,262.59
Sanford$8,231.24Allstate$18,874.11Liberty Mutual$13,023.88USAA$3,397.49Progressive$4,182.70
Auburn$8,242.98Allstate$19,119.13Liberty Mutual$13,023.88USAA$3,368.16Progressive$4,696.57
Breckenridge$8,248.57Allstate$17,625.93Liberty Mutual$13,023.88USAA$3,397.49Progressive$4,718.81
Dimondale$8,262.31Allstate$17,665.20Liberty Mutual$16,459.31USAA$3,288.33Progressive$4,150.50
Allendale$8,267.02Allstate$20,296.94Liberty Mutual$16,202.49USAA$3,449.84Nationwide$4,244.16
Zeeland$8,271.79Allstate$20,336.07Liberty Mutual$16,202.49USAA$3,285.66Nationwide$4,426.99
Freeland$8,279.45Allstate$19,119.13Liberty Mutual$13,023.88USAA$3,368.16Progressive$4,298.98
DeWitt$8,285.75Allstate$17,793.59Liberty Mutual$16,459.31USAA$3,280.92Progressive$3,878.41
Charlotte$8,295.51Allstate$20,260.84Liberty Mutual$16,459.31USAA$3,252.85Nationwide$3,709.93
Hudsonville$8,302.44Allstate$20,336.07Liberty Mutual$17,839.53USAA$3,285.66Nationwide$4,244.16
Coleman$8,309.23Allstate$18,855.96Liberty Mutual$13,023.88USAA$3,397.49Progressive$4,764.09
Bath$8,310.66Allstate$17,762.57Liberty Mutual$16,459.31USAA$3,280.92Progressive$4,291.31
Grand Haven$8,327.06Allstate$20,317.57Liberty Mutual$16,202.49USAA$3,449.84Progressive$4,139.17
Holt$8,360.88Allstate$19,620.20Liberty Mutual$16,459.31USAA$3,636.68Progressive$4,546.52
West Olive$8,364.85Allstate$20,472.00Liberty Mutual$16,202.49USAA$3,265.74Progressive$4,475.44
Ferrysburg$8,368.35Allstate$20,317.57Liberty Mutual$16,202.49USAA$3,449.84Progressive$4,361.05
Mason$8,368.95Allstate$19,496.97Liberty Mutual$16,459.31USAA$3,353.89Progressive$4,356.19
Grandville$8,372.81Allstate$20,336.07Liberty Mutual$17,839.53USAA$3,181.53Nationwide$4,244.16
Ann Arbor$8,395.25Allstate$20,239.62Liberty Mutual$15,223.99USAA$3,038.86Nationwide$4,260.59
Negaunee$8,404.66Allstate$19,383.81Liberty Mutual$17,187.56USAA$3,488.54Progressive$4,234.87

The next table shows the most expensive rates by city.

Most Expensive Cities in MichiganAverage by CityMost Expensive CompanyMost Expensive Rate2nd Most Expensive Company2nd Most Expensive RateCheapest CompanyCheapest Rate2nd Cheapest Company2nd Cheapest Rate
Detroit$26,301.11Farmers$48,386.05Allstate$44,360.80USAA$5,711.92Progressive$9,787.83
Dearborn$20,920.85Farmers$43,870.92Allstate$34,532.14USAA$4,558.38Progressive$7,929.02
River Rouge$19,405.58Farmers$38,258.61Liberty Mutual$29,346.83USAA$4,904.33Progressive$7,807.04
Harper Woods$19,225.22Farmers$40,532.15Allstate$32,227.55USAA$4,601.02Nationwide$8,109.90
Oak Park$18,716.04Allstate$40,770.62Farmers$36,397.40USAA$4,786.60Progressive$7,523.92
Ecorse$18,154.01Farmers$31,827.17Allstate$28,418.62USAA$4,904.33Progressive$7,299.62
Southfield$17,774.85Allstate$43,653.03Liberty Mutual$27,805.12USAA$4,542.02Progressive$7,093.28
Inkster$16,984.97Allstate$32,881.20Farmers$27,287.68USAA$4,405.52Progressive$7,204.78
Lathrup Village$16,742.91Allstate$33,371.80Liberty Mutual$27,805.12USAA$4,294.61Progressive$7,688.55
Melvindale$16,544.22Allstate$28,635.20Farmers$25,624.76USAA$4,904.33Progressive$7,052.12
Dearborn Heights$16,487.42Farmers$33,508.68Allstate$31,769.93USAA$4,125.41Progressive$8,135.20
Pontiac$16,275.04Liberty Mutual$32,553.33Allstate$29,951.04USAA$4,493.20Progressive$6,710.76
Flint$16,235.79Allstate$33,293.41Liberty Mutual$30,276.76USAA$4,617.15Progressive$5,931.51
Beecher$16,129.88Allstate$36,958.20Liberty Mutual$28,745.66USAA$4,686.37Progressive$5,912.39
Center Line$15,998.68Liberty Mutual$28,258.74Allstate$27,069.03USAA$4,582.45Progressive$6,912.15
Eastpointe$15,452.65Allstate$29,708.89Farmers$26,273.95USAA$4,601.02Nationwide$7,268.13
Warren$15,080.64Allstate$27,839.65Farmers$25,975.42USAA$4,326.02Progressive$6,741.57
Hazel Park$14,956.77Liberty Mutual$28,258.74Allstate$27,176.71USAA$4,297.74Progressive$6,490.49
Riverview$14,530.95Farmers$26,798.36Allstate$23,465.76USAA$3,924.37Progressive$5,414.05
Allen Park$14,529.34Allstate$25,578.21Liberty Mutual$21,170.59USAA$4,400.04Progressive$6,449.69
Genesee$14,524.70Allstate$36,958.20Liberty Mutual$26,449.00USAA$4,217.42Progressive$5,779.54
Lincoln Park$14,234.31Allstate$28,418.62Liberty Mutual$21,407.28USAA$3,998.32Progressive$6,833.72
Romulus$14,173.50Allstate$34,403.63Liberty Mutual$22,032.89USAA$3,726.83Progressive$6,937.90
Southgate$14,149.43Allstate$28,418.62Liberty Mutual$22,806.48USAA$3,924.37Progressive$6,215.36
Wyandotte$14,043.40Allstate$24,293.41Liberty Mutual$21,414.47USAA$3,963.58Progressive$6,320.29

Best Michigan Car Insurance Companies

Now that you have a better idea of Michigan’s base insurance requirements, let’s dive into the providers who operate in the state. In this section, we’ll help you sort through your provider options. We’ll also continue to explore the different factors that may raise or lower your car insurance premium.

The Largest Companies’ Financial Ratings

A.M. Best annually assesses the credit ratings of several car insurance providers across the United States. The company then releases a report detailing the financial stability of its assessed providers. As you can see in the table below, Michigan’s providers have fairly strong ratings:

CompanyFinancial RatingLoss Ratio
Allstate Insurance GroupA+109.93%
Auto-Owners GroupA++90.82%
Automobile Club MI GroupA-109.36%
Frankenmuth GroupA66.30%
Liberty Mutual GroupA66.52%
Michigan Farm Bureau GroupA65.71%
Progressive GroupA+68.76%
State Farm GroupA++53.42%
The Hanover Insurance GroupA67.97%
USAA GroupA++88.71%

The lowest rating on this list is Automobile Club MI Group’s A-, which is still fairly high, considering A.M. Best’s ranking system.

Companies with the Best Ratings

J.D. Power also assesses Michigan’s car insurance providers, but not in terms of their credit. Instead, the J.D. power report below details each provider’s company service rating:

jd-power-north-central-region

As you can see, State Farm is the best ranking, Big Ten insurance provider of all the ones operating in Michigan.

Companies with the Most Complaints in Michigan

Who doesn’t enjoy a bit of gossip? With that in mind, let’s dive into the number of complaints the larger car insurance providers in Michigan have received over the years:

Company NameNumber of Complaints (2017)Complaint Ratio Per $1 Million in Premiums (2017)
Allstate Insurance Group5.10
Auto-Owners Group10.06
Automobile Club MI Group30.11
Frankenmuth Group6.03
Liberty Mutual Group12.29
Michigan Farm Bureau Group33.09
Progressive Group73.09
State Farm Group76.05
The Hanover Insurance Group00
USAA Group20.10

Largest Companies in Michigan

Who are the big dogs in Michigan’s car insurance market? Let’s break down the market shares and loss ratios of the larger car insurance providers so you can determine who’s sitting pretty on your list of potential partners:

CompanyDirect Premiums WrittenMarket Share
Allstate Insurance Group$731,9168.16%
Auto-Owners Group$888,7169.91%
Automobile Club MI Group$1,421,25315.84%
Frankenmuth Group$157,9621.76%
Liberty Mutual Group$390,0794.35%
Michigan Farm Bureau Group$410,8954.58%
Progressive Group$1,261,15014.06%
State Farm Group$1,662,96618.54%
The Hanover Insurance Group$535,0205.96%
USAA Group$271,1573.02%

Cheapest Companies in Michigan

Different companies also have different policies, when it comes to cost. USAA, for example, consistently charges Michigan drivers less than its peers:

CompanyAverageCompared to State Average in DollarsCompared to State Average by Percent
Allstate F&C$22,821.42$12,394.6654.31%
Farmers Ins Exch$8,275.23-$2,151.53-26.00%
Geico Ind$6,382.54-$4,044.22-63.36%
Liberty Mutual Fire$19,913.09$9,486.3347.64%
Nationwide Mutual Fire$6,287.43-$4,139.33-65.84%
Progressive Marathon$5,354.18-$5,072.58-94.74%
State Farm Mutual Auto$12,481.81$2,055.0516.46%
Travelers Affinity$8,707.10-$1,719.67-19.75%
USAA CIC$3,618.06-$6,808.70-188.19%

Commute Rates by Company

Some car insurance providers will charge you more for your insurance if you have a long commute to and from work. Take a look at the table below to see how the numbers change, based on your provider and yearly miles driven:

Company10-mile Commute, 6,000 Miles Annually25-mile Commute, 12,000 Miles Annually
Allstate$22,821.42$22,821.42
Farmers$8,275.23$8,275.23
Geico$6,236.05$6,529.03
Liberty Mutual$19,223.85$20,602.33
Nationwide$6,287.43$6,287.43
Progressive$5,354.18$5,354.18
State Farm$12,142.23$12,821.40
Travelers$8,657.15$8,757.05
USAA$3,576.60$3,659.52

Coverage Level Rates by Company

Naturally, the amount of coverage you want to invest in is going to change the rate your car insurance provider is able to offer you. Take a look at the table below to see how your rate will change based on your preferred form of car insurance:

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

As you might have guessed, the more insurance you want to invest in, the more you’re going to have to pay.

Credit History Rates by Company

Your credit history is a reflection of your ability to pay back debts you owe to other people or organizations. Your car insurance provider of choice is going to want to know that you’ll be able to afford their premiums. As a result, they’ll take a look at your credit to determine whether or not you’ll be a strong financial partner:

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

The table above shows you just how significantly a poor credit history can impact your available premiums. It’s much more affordable to purchase car insurance coverage when you have good credit than it is when you have poor credit.

Driving Record Rates by Company

Your driving record reflects your ability to follow a state’s roadway legislation and keep other drivers safe. Naturally, car insurance providers are going to take your history into account before awarding your coverage:

CompanyClean RecordOne Speeding TicketOne AccidentOne DUI
Allstate$11,113.69$15,547.99$14,863.20$49,760.80
Farmers$6,933.96$8,539.80$8,878.82$8,748.36
Geico$2,247.29$4,151.13$4,746.86$14,384.88
Liberty Mutual$13,939.21$17,841.37$16,814.63$31,057.16
Nationwide$5,376.80$6,059.11$7,181.07$6,532.75
Progressive$4,533.62$5,557.63$5,964.06$5,361.42
State Farm$7,942.35$11,889.70$9,521.29$20,573.92
Travelers$5,891.56$6,966.74$8,413.93$13,556.16
USAA$2,910.44$3,172.10$3,631.64$4,758.07

As you can see in the table above, a DUI can severely impact the car insurance premium a provider will be able to make available to you. Comparatively, a clean driving history will keep your insurance affordable.

Number of Insurers in Michigan

Michigan is home to two types of providers: domestic and foreign. Domestic providers are local car insurance providers, whereas foreign providers are providers who operate on a national scale. In Michigan, the number of carriers breaks down as follows:

  • Domestic – 65
  • Foreign – 786

Michigan Driving Laws

When you first get your driver’s license, you’re expected to develop a basic understanding of the legislation that holds your state’s roadways together. As you get more familiar with the rules of the road, though, it can be easy to forget some of those laws.

Here, we’ll go over the most important rules and regulations that control the roads in Michigan. With this information under your belt, you’ll not only be able to navigate the roads more safely, but you’ll better understand the different ways legislation can impact the premiums car insurance providers are able to offer you.

Car Insurance Laws

Car insurance laws in every state must comply with the fair competition standards established by the National Association of Insurance Commissioners. Even so, the rules of the road will vary based on the state you’re driving in. Let’s take a look at Michigan’s car insurance laws so you can get a better idea of the rules you need to work with.

Windshield Coverage

The state of Michigan does not have legislation in place that requires car insurance premiums to cover glass repair or to offer drivers no-deductible windshield replacement. That said, car insurance providers may choose, on their own, to provide drivers with access to this kind of coverage through their comprehensive plans.

Car insurance providers in Michigan are also able to provide drivers with access to aftermarket parts if they’re looking to replace their windshields after an accident.

Drivers will be able to work with provider-affiliated repair shops or separate repair shops. However, car insurance providers are not required to cover the whole of a repair performed at a non-partnered repair shop, and drivers will be responsible for making up the difference.

High-risk Insurance

If you have a spotty driving history, you may have to seek out high-risk insurance. High-risk insurance, or an SR-22, is a type of insurance that high-risk drivers are required to add to their existing coverage after a conviction or similar punishment.

You may be required to get an SR-22 if you’ve received any of the following:

  • DUI conviction
  • Reprimand for driving without insurance
  • Reprimand for driving with a suspended license
  • Reprimand for leaving the scene of an accident

Low-cost Insurance

Michigan makes its Michigan Automobile Insurance Placement Facility available to drivers who have a difficult time getting affordable car insurance. High-risk drivers will be able to use this program to drive legally on the road.

Drivers can seek out discounts to make the cost of insurance more bearable. Be sure to ask your provider of choice if you or your family are eligible for any of the following discounts:

  • Accident-free Discount
  • Affiliation Discount (this would be any discounts through your employer, school, team, etc.)
  • Anti-theft Discounts (i.e. if you have alarms, tracking systems, etc on your vehicle)
  • Auto-pay Discounts (if you were to set up automatic payments from checking — some providers refer to it as a Paper-saving Discount)
  • Good Student Discount
  • Homeowner’s Discount
  • Multi-car Discount
  • Green/Hybrid Car Discount (if you own/lease a hybrid or electric vehicle)

Be sure you shop around in order to find the best coverage for you that is equally cost-effective.

FREE Auto Insurance Comparison

Compare Quotes From Top Companies and Save

Automobile Fraud in Michigan

It’s difficult to commit insurance fraud by accident.

That said, the insurance industry sees 10 percent of its operating costs go to enduring fraudulent claims or accounts over the course of a year.

There are two different types of automobile fraud.

  • Hard fraud sees a driver deliberately falsifying a claim or faking an accident in order to receive compensation
  • Soft fraud sees a driver padding a claim or misrepresenting accident information to an insurance provider

Soft fraud is the more common of these two types of fraud.

Even though you may think you’re just telling a white lie, soft fraud is considered a misdemeanor, and lying on your claim is considered a class five felony.

Statute of Limitations

A statute of limitation describes the amount of time you have after an accident to file a claim with your insurance provider. In Michigan, you have three years after an accident takes place to file personal injury and property damage claims.

Vehicle Licensing Laws

You absolutely must license your vehicle if you want to drive legally in Michigan. The good news is that Michigan’s Secretary of State, courtesy of the Department of State, allows you to do so via an online portal.

This portal, known as ExpressSOS, helps you renew your license on an appropriate cycle, regardless of your age. You can also revisit and print out vehicle registration and insurance information, making it all the easier to stay out of trouble while on the road.

REAL ID

REAL ID is a phenomenon arriving in 2020. All Michigan drivers — and drivers throughout the United States — will need to have REAL ID to get on a plane, be the flight domestic or international.

Penalties for Driving Without Insurance

If you’re caught driving without insurance in Michigan, you could be in some serious trouble. The consequences for driving without coverage range from one-time fees to the long-term suspension of your driver’s license.

Take a look at the table below to see what kind of consequences you could face trying to save a buck without coverage:

PenaltyDriving Without Proof of InsuranceDriving Without Insurance
Driver Responsibility Fee$400$1,000
Driving Privileges Suspension of driver's license for upwards of 30 daysSuspension of driver's license for upwards of 30 days
Reinstatement Fees$25$125
Additional ConsequencesUp to one year of jail timeUp to one year of jail time

Teen Driving Laws

The vast majority of teenagers are ready and raring to get behind the wheel of a car. However, teenagers must jump through a number of hoops in Michigan to receive a full license. Take a look at the table below to see what the different types of licenses in Michigan are and what limitations the state places on its new drivers:

License TypeMinimum AgeRequirementsRestrictions
Level 1 Learner's License14 years, 9 monthsComplete Segment 1 driver ed vision test.May only drive with a fully licensed parent, guardian, or designated adult 21 or over.
All cell phone use prohibited.
Level 2 Intermediate License16Complete Segment 2 of driver ed.
Have Level 3 license at least six months.
Complete 50 hours of driving practice, at least 10 of which are at night.
Pass driving skills test.
All cell phone use prohibited.
No driving between 10 p.m. and 5 a.m unless accompanied by a driver 21 or over or for employment/authorized activity.
No more than one passenger under the age of 21 except family or with the same exceptions as night driving.
Level 3 Full License17At least six months with Level 2 license.None

License Renewal Procedures

There is no age cap on license renewal in Michigan. Every driver, regardless of their age, must renew their license on a four-year cycle. All drivers must also submit proof of adequate vision when submitting a renewal in person. However, drivers of all ages can also submit a renewal request online every other renewal cycle.

New Residents

If you’ve recently moved to Michigan, make sure you complete the following tasks within 20 days of your residency:

  • Obtain a Michigan driver’s license
  • Purchase an auto insurance policy
  • Register your car with the local DMV

Rules of the Road

We’ve touched on legislation and the rules that’ll change the rates a car insurance provider will be able to offer you. What are the average rules of the road in Michigan, though, and how will they impact your daily commute?

Fault Versus No-fault

As mentioned, Michigan is a no-fault state. This means that, if you happen to get into an accident, no driver will be determined to be “at-fault” for the accident. In term, each driver will be responsible for any personal expenses that result as a consequence of the accident.

Seat Belt and Car Seat Laws

Any child under three years of age needs to be in a child-appropriate seat while riding in your vehicle. After a child turns four, they’ll need to be in a booster seat. This requirement holds until the child in question turns seven or until they surpass 57 inches in height.

Keep Right and Move Over Laws

If you are driving more slowly than the posted speed limit, or if you are not looking to pass a car in front of you, then Michigan law dictates that you must remain in the right-hand lane of the applicable interstate.

You must also move over for vehicles that have their lights flashing, regardless of whether or not they’re clearly marked as emergency vehicles. These vehicles include but are not limited to:

  • Police cruisers
  • Ambulances
  • Firetrucks
  • Tow trucks
  • Recovery vehicles

Speed Limits

Take a look at the table below for Michigan’s maximum speed limits, as broken down by road type:

Road TypeSpeed Limits
Rural 70/75-Passenger Vehicles (on specified segments of road)
65-Trucks
Urban
70
Other Limited Access Roads70
Other Roads55

Ridesharing

The rise of Uber and Lyft have made it easier than ever for people to get to the places they need to go. These companies have also created a new industry for drivers across the United States. If you currently work with either company or one of their competitors, or if you’ve thought about using your vehicle for a job before, you’ll need to get ridesharing insurance.

Safety Laws

Michigan establishes much of its roadway legislation to better keep drivers on the road safe. This drive has led the Michigan Department of Transportation to create programs like Driving Change Bicycle Safety and the Strategic Highway Safety Plan.

That said, what kind of laws have the state established to account for drivers’ behavior while on the road?

DUI Laws

Michigan has instated OWI, or “Operating While Intoxicated” legislation throughout the state to discourage drivers from taking to the road after drinking. Take a look at the table below to see how Michigan deals with drivers who’ve been caught drinking and driving:

Offense NumberLicense SuspensionFineIncarcerationOther Penalties
FirstSic months – possible restricted license after 30 days$100–$500Five days to one year OR 30–90 hours community serviceSix points on record
Possible interlock device
SecondOne year minimum
Five years if previous conviction within past seven years
$200–$1,000 plus $1,000 driver responsibility fee30 days minimum up to one year
48 hours must be served in jail/workhouse
License plate confiscated
Vehicle immobilized 60–90 days or forfeited
Six points on license
ThirdMinimum one year
five years if previous conviction within past seven years
$500–$5,000 plus $1,000 driver responsibility feeOne to five yearsLicense plate confiscated
Vehicle immobilized one to three years or forfeited
Possible registration denial or vehicle forfeiture
Six points on record

Distracted Driver Laws

It is not legal for drivers of any age to use a hand-held, wireless communication device while behind the wheel. The consequences for doing so range from a $100 fine to demerit points, if the behavior is repeated.

That said, drivers can talk on the cellphone while behind the wheel. It’s the act of texting and driving that is considered punishable by law.

Driving in Michigan

With laws and legislation out of the way, let’s touch on the dangers of driving in Michigan. Every year, the state sees more than its fair share of fatalities. With this information under your belt, you’ll have a better idea of what dangers to look out for, while on the road.

Vehicle Theft in Michigan

Every state sees vehicle theft. However, it’s not always sports cars that go missing. Take a look at the table below to see which vehicles are most frequently stolen in Michigan:

Make/ModelYearNumber of Thefts
Chevrolet Impala2008733
Chevrolet Pickup (Full Size)1999585
Ford Pickup (Full Size)2006530
Dodge Caravan2003528
Dodge Charger2015477
Chevrolet Trailblazer2007462
Chevrolet Malibu2013451
Pontiac Grand Prix2004418
Jeep Cherokee/Grand Cherokee2000407
Ford Fusion2014355

As you can see, Impalas and pickup trucks are more likely to go missing than Mustangs.

Vehicle Theft by City

There are also certain cities in Michigan that are more likely to see vehicle theft than others. Take a look at the table below to see which counties in Michigan are considered the most dangerous:

CityMotor
Vehicle
Thefts (2017
Addison Township5
Adrian Township1
Akron0
Albion15
Allegan2
Allen Park60
Alma2
Almont3
Alpena4
Ann Arbor99
Argentine Township2
Armada1
Au Gres0
Auburn Hills26
Bad Axe3
Bancroft0
Bangor2
Baroda-Lake Township3
Barry Township2
Barryton0
Bath Township4
Battle Creek94
Bay City59
Beaverton0
Belding3
Bellaire0
Belleville7
Bellevue0
Benton Harbor33
Benton Township47
Berkley8
Berrien Springs-Oronoko Township2
Beverly Hills0
Big Rapids1
Birch Run0
Birmingham5
Blackman Township43
Blissfield1
Bloomfield Hills3
Bloomfield Township24
Boyne City7
Brandon Township4
Breckenridge1
Bridgeport Township5
Bridgman4
Brighton3
Bronson2
Brown City1
Brownstown Township35
Buchanan4
Buena Vista Township14
Burton51
Cadillac10
Calumet0
Cambridge Township1
Canton Township57
Capac0
Carleton2
Caro4
Carrollton Township2
Carson City0
Caseville0
Caspian-Gaastra0
Cass City2
Cassopolis1
Center Line30
Central Lake0
Charlevoix5
Charlotte9
Cheboygan1
Chelsea1
Chesaning0
Chesterfield Township32
Chikaming Township1
Chocolay Township3
Clare5
Clarkston0
Clawson3
Clay Township3
Clayton Township3
Clinton2
Clinton Township155
Clio1
Coldwater5
Coleman1
Coloma Township1
Colon0
Columbia Township3
Commerce Township11
Constantine4
Corunna1
Covert Township3
Croswell3
Crystal Falls0
Davison4
Davison Township4
Dearborn278
Dearborn Heights132
Decatur0
Denton Township1
Detroit8,155
Dewitt2
Dewitt Township4
Dryden Township2
Durand2
East Grand Rapids4
East Jordan0
East Lansing137
Eastpointe181
Eaton Rapids5
Eau Claire1
Ecorse46
Elk Rapids0
Elkton1
Elsie0
Emmett Township17
Erie Township0
Escanaba8
Essexville0
Evart1
Fair Haven Township0
Farmington6
Farmington Hills77
Fennville0
Fenton11
Ferndale57
Flat Rock15
Flint274
Flint Township95
Flushing0
Flushing Township2
Forsyth Township5
Fowlerville2
Frankenmuth2
Frankfort1
Franklin3
Fraser27
Fremont6
Fruitport Township11
Gaines Township3
Galesburg0
Galien0
Garden City38
Garfield Township0
Gaylord6
Genesee Township11
Gerrish Township1
Gibraltar9
Gladstone2
Gladwin1
Grand Beach0
Grand Blanc5
Grand Blanc Township24
Grand Haven11
Grand Ledge4
Grand Rapids363
Grandville23
Grant1
Grayling1
Green Oak Township7
Greenville6
Grosse Ile Township1
Grosse Pointe5
Grosse Pointe Farms3
Grosse Pointe Park13
Grosse Pointe Shores0
Grosse Pointe Woods20
Hamburg Township5
Hampton Township9
Hamtramck118
Hancock2
Harbor Beach1
Harbor Springs0
Harper Woods73
Hart0
Hartford6
Hastings1
Hazel Park60
Highland Park104
Highland Township14
Hillsdale6
Holland27
Holly2
Hopkins0
Houghton4
Howell6
Hudson0
Huntington Woods3
Huron Township18
Imlay City1
Independence Township11
Inkster89
Ionia9
Iron Mountain0
Iron River0
Ironwood5
Ishpeming9
Jackson108
Jonesville3
Kalamazoo332
Kalamazoo Township57
Kalkaska1
Keego Harbor2
Kentwood76
Kinde0
Kingsford0
Kinross Township1
Laingsburg0
Lake Angelus0
Lake Linden0
Lake Odessa1
Lake Orion2
Lakeview0
Lansing399
Lansing Township20
Lapeer15
Lapeer Township0
Lathrup Village2
Laurium0
Lawton1
Lennon0
Leslie0
Lexington0
Lincoln Park156
Lincoln Township5
Linden0
Litchfield0
Livonia129
Lowell3
Ludington3
Luna Pier1
Lyon Township4
Mackinac Island0
Mackinaw City0
Madison Heights59
Madison Township8
Mancelona0
Manistee0
Manistique1
Marenisco Township0
Marine City2
Marlette0
Marquette13
Marshall7
Marysville3
Mason11
Mattawan3
Mayville0
Melvindale43
Mendon0
Menominee4
Meridian Township30
Metamora Township2
Metro Police Authority of Genesee County7
Michiana0
Midland10
Milan4
Milford2
Millington1
Monroe32
Montague1
Montrose Township5
Morenci0
Morrice0
Mount Morris6
Mount Morris Township34
Mount Pleasant18
Munising1
Muskegon197
Muskegon Heights47
Muskegon Township25
Napoleon Township2
Nashville1
Negaunee2
New Baltimore4
New Buffalo1
New Era0
New Lothrop0
Newaygo5
Niles39
North Muskegon1
Northfield Township1
Northville2
Northville Township15
Norton Shores27
Norway0
Novi32
Oak Park74
Oakland Township2
Olivet0
Ontwa Township-Edwardsburg8
Orchard Lake0
Orion Township11
Oscoda Township2
Otisville1
Otsego3
Ovid0
Owendale0
Owosso9
Oxford2
Oxford Township3
Paw Paw3
Peck0
Pentwater0
Perry2
Petoskey0
Pigeon0
Pinckney1
Pinconning0
Pittsfield Township31
Plainwell1
Pleasant Ridge2
Plymouth5
Plymouth Township22
Pontiac222
Port Austin0
Port Huron37
Port Sanilac0
Portage59
Portland0
Potterville0
Prairieville Township0
Quincy0
Raisin Township0
Reading1
Redford Township212
Reed City0
Reese1
Richfield Township, Genesee County4
Richfield Township, Roscommon County1
Richland2
Richland Township, Saginaw County0
Richmond2
River Rouge27
Riverview35
Rochester2
Rochester Hills18
Rockford1
Rockwood1
Rogers City1
Romeo2
Romulus114
Roosevelt Park9
Roseville119
Rothbury0
Royal Oak51
Saginaw75
Saginaw Township26
Saline3
Sand Lake0
Sandusky2
Saugatuck-Douglas1
Sault Ste. Marie9
Schoolcraft1
Scottville0
Sebewaing0
Shelby Township31
Shepherd2
Somerset Township0
South Haven8
South Lyon4
South Rockwood1
Southfield263
Southgate78
Sparta1
Spring Arbor Township1
Springfield Township8
St. Charles1
St. Clair1
St. Clair Shores45
St. Ignace2
St. Johns2
St. Joseph4
St. Joseph Township6
St. Louis1
Stanton0
Sterling Heights107
Stockbridge0
Sturgis16
Sumpter Township8
Sylvan Lake1
Tawas1
Taylor181
Tecumseh4
Thetford Township1
Thomas Township2
Three Rivers15
Tittabawassee Township3
Traverse City14
Trenton18
Troy67
Tuscarora Township2
Ubly0
Unadilla Township3
Utica6
Van Buren Township69
Vassar1
Vernon0
Vicksburg1
Walker15
Walled Lake2
Warren437
Waterford Township68
Watervliet2
Wayland2
Wayne43
West Bloomfield Township16
West Branch0
Westland139
White Cloud0
White Lake Township12
White Pigeon1
Whitehall0
Williamston0
Wixom17
Wolverine Lake1
Wyandotte48
Wyoming210
Yale2
Ypsilanti43
Zeeland3
Zilwaukee1

As you might have guessed, Michigan’s urban areas are more likely to see vehicular theft than its urban counties.

Roadway Fatalities in Michigan

We can prepare for all sorts of natural dangers while on the road. However, it’s often impossible to predict how other humans will behave while on the road. With that in mind, let’s take a look at how drivers in Michigan have behaved over the past several years, so you know what to keep an eye out for a while driving.

Most Fatal Highway in Michigan

U.S. 31 is one of the most popular interstates in Michigan. It is also the interstate that sees the most fatalities over the course of a year. The interstate averages 11 annual fatal accidents.

Fatal Crashes by Weather Condition and Light Condition

Different weather and light conditions can impact the way that drivers are able to operate on the road. Take a look at how both factors cause fatalities across Michigan:

Weather ConditionDaylightDark, but LightedDarkDawn or DuskOther / UnknownTotal
Normal413140195302780
Rain2927273086
Snow/Sleet228144048
Other7671021
Unknown002024
TOTAL471181245384939

Traffic Fatalities

Location also impacts the likelihood of a car accident, as you can see in the table below:

County2017 Fatalities
Alcona2
Alger1
Allegan13
Alpena3
Antrim4
Arenac7
Baraga0
Barry11
Bay5
Benzie0
Berrien20
Branch2
Calhoun19
Cass15
Charlevoix3
Cheboygan3
Chippewa2
Clare3
Clinton2
Crawford4
Delta10
Dickinson5
Eaton14
Emmet2
Genesee38
Gladwin3
Gogebic3
Grand Traverse8
Gratiot5
Hillsdale5
Houghton2
Huron6
Ingham26
Ionia10
Iosco3
Iron1
Isabella12
Jackson20
Kalamazoo38
Kalkaska3
Kent69
Keweenaw0
Lake1
Lapeer11
Leelanau3
Lenawee16
Livingston23
Luce3
Mackinac4
Macomb42
Manistee3
Marquette4
Mason9
Mecosta4
Menominee2
Midland18
Missaukee0
Monroe23
Montcalm23
Montmorency1
Muskegon17
Newaygo12
Oakland69
Oceana2
Ogemaw5
Ontonagon1
Osceola6
Oscoda2
Otsego7
Ottawa17
Presque Isle1
Roscommon3
Saginaw22
Sanilac5
Schoolcraft1
Shiawassee6
St. Clair14
St. Joseph11
Tuscola14
Van Buren17
Washtenaw39
Wayne161
Wexford6

Fatalities by Person Type

Person type is also likely to impact fatality statistics. “Person type” here refers to a person’s relationship to a vehicle as opposed to any other demographic statistics.

TypeNumber of Fatalities
Traffic Fatalities 1030
Passenger Vehicle Occupant Fatalities (All Seat Positions)696
Motorcyclist Fatalities150
Pedestrian Fatalities156
Bicyclist and other Cyclist Fatalities 21

As you can see, passengers are the people most frequently involved in fatalities. Motorists are also high up on the list of potential fatality victims.

Fatalities by Crash Type

There are also specific crash types that most frequently result in fatalities:

Crash TypeNumber
Single Vehicle519
Involving a Roadway Departure429
Involving an Intersection (or Intersection Related)268
Involving Speeding241
Involving a Rollover224
Involving a Large Truck88

Five-year Trend for the Top 10 Counties

The table below relays the top 10 counties in Michigan that happen to see the most accidents over the course of a year.

County20132014201520162017
Genesee2933335038
Ingham1721172526
Kalamazoo3616273538
Kent4855645769
Livingston1519122223
Macomb5346616342
Monroe2727131823
Oakland5663678069
Washtenaw3330272639
Wayne171174190201161

Fatalities Involving Speeding by County

We’ve all been tempted to speed at one point or another. Unfortunately, this seemingly-harmless behavior results in as many accidents as other forms of bad behavior on the road, as you can see below:

County2017 Fatalities
Alcona1
Alger1
Allegan0
Alpena1
Antrim0
Arenac3
Baraga0
Barry3
Bay0
Benzie0
Berrien1
Branch1
Calhoun6
Cass8
Charlevoix0
Cheboygan3
Chippewa0
Clare0
Clinton0
Crawford1
Delta2
Dickinson3
Eaton3
Emmet1
Genesee6
Gladwin0
Gogebic1
Grand Traverse1
Gratiot0
Hillsdale1
Houghton1
Huron0
Ingham8
Ionia3
Iosco2
Iron1
Isabella2
Jackson4
Kalamazoo11
Kalkaska2
Kent16
Keweenaw0
Lake1
Lapeer1
Leelanau1
Lenawee3
Livingston7
Luce1
Mackinac1
Macomb8
Manistee0
Marquette1
Mason2
Mecosta0
Menominee0
Midland1
Missaukee0
Monroe7
Montcalm1
Montmorency0
Muskegon6
Newaygo4
Oakland12
Oceana0
Ogemaw3
Ontonagon0
Osceola0
Oscoda0
Otsego0
Ottawa2
Presque Isle1
Roscommon1
Saginaw3
Sanilac1
Schoolcraft0
Shiawassee2
St. Clair2
St. Joseph5
Tuscola0
Van Buren2
Washtenaw6
Wayne57
Wexford2

Speeding fatalities do not tend to appear in one part of Michigan more so than another. However, the consistency of these fatalities suggests that we should all take speed limits in the state a little more seriously.

Fatalities in Crashes Involving an Alcohol-impaired Driver

Despite Michigan’s straightforward DUI laws, a number of drivers still get behind the wheel of a car while intoxicated, as you can see in the table below:

County2017 Fatalities
Alcona0
Alger0
Allegan4
Alpena1
Antrim1
Arenac2
Baraga0
Barry3
Bay1
Benzie0
Berrien3
Branch1
Calhoun8
Cass8
Charlevoix1
Cheboygan2
Chippewa1
Clare1
Clinton2
Crawford2
Delta1
Dickinson2
Eaton1
Emmet0
Genesee10
Gladwin1
Gogebic0
Grand Traverse1
Gratiot2
Hillsdale1
Houghton1
Huron0
Ingham7
Ionia3
Iosco0
Iron0
Isabella4
Jackson11
Kalamazoo9
Kalkaska0
Kent16
Keweenaw0
Lake0
Lapeer4
Leelanau1
Lenawee5
Livingston6
Luce2
Mackinac2
Macomb14
Manistee1
Marquette2
Mason2
Mecosta2
Menominee1
Midland3
Missaukee0
Monroe12
Montcalm7
Montmorency0
Muskegon5
Newaygo3
Oakland18
Oceana2
Ogemaw2
Ontonagon0
Osceola3
Oscoda0
Otsego2
Ottawa4
Presque Isle1
Roscommon1
Saginaw6
Sanilac1
Schoolcraft0
Shiawassee3
St. Clair3
St. Joseph4
Tuscola7
Van Buren5
Washtenaw12
Wayne54
Wexford0

Genesee County, in particular, sees more DUI fatalities than any other county in the state. That’s all the more reason to sleep your drinks off after a Sunday football game.

Teen Drinking and Driving

The above data does not account for the number of teenagers who get into fatal accidents while drinking and driving. You can take a look at the table below to see how many teenagers make this mistake:

Teens and Drunk DrivingDetails
Alcohol-impaired Driving Fatalities Per 100K Population1.2
Percent Below/Above National Average0% at national average
DUI Arrest (Under 18 years old)194
DUI Arrests (Under 18 years old) Total Per Million People88.54

EMS Response Time

The risk of roadway fatalities may make you feel apprehensive about driving through Michigan. The good news is that EMS in Michigan has an excellent response time. While response times will vary based on the location of your accident, EMS will typically arrive at the sight of an accident within 6-10 minutes.

Type of Crash Time of Crash to EMS
Notification
EMS Notification to
EMS Arrival
EMS Arrival at Scene
to Hospital Arrival
Time of Crash to Hospital
Arrival
Rural2.6710.41N/AN/A
Urban2.015.44N/AN/A

That said, Michigan does not report that amount of time it takes EMS to move from the scene of an accident to a hospital. Even so, you’ll be in the care of medical professionals quickly, regardless of where you’re located in the state.

Transportation

We’ve touched on fatalities, car insurance premiums, and the different factors that may change your rate. But what does an average day on the road in Michigan look like?

Car Ownership

On average, drivers in Michigan keep two cars in their garage. As you can see, the number of households with one and three cars are about equal. You’ll see similar bell curves in most states across the nation.

Commute Time

The commute times in Michigan vary, but on average takes 23.5 minutes. This is less than the national average, which comes in at 25.3 minutes. Only a few Michigan residents — 1.89 percent — have to commit to the super commute, or commutes that last longer than 90 minutes, both ways.

Commuter Transportation

As you might expect, most Michigan drivers prefer to make their way to and from work on their own. That said, nine percent of drivers do carpool.

Traffic Congestion in Michigan

Though most drivers tend to make their way to work on their own, traffic is never too bad. INRIX released a traffic scorecard detailing the hours drivers lose to traffic on a yearly basis. None of Michigan’s cities made their way onto the list — not even Detroit, the old automotive capital of the United States.

And with that, you know everything there is to know about car insurance and car culture in Michigan. Want to get started rate shopping? You can enter your ZIP code into our FREE online tool to compare the rates available in your area.

FREE Auto Insurance Comparison

Compare quotes from the top car insurance companies and save!