Get a Michigan car insurance quote

You could save over $700 on auto insurance when you switch to Liberty Mutual¹

Detroit International Riverfront at sunset

Michigan Customers: Please note that effective July 1, 2023, the definition of 'Qualified Health Coverage' as it relates to Personal Injury Protection Medical Coverage has been updated per MI DIFS Bulletin 2023-12-INS. For policies issued or renewed effective July 1, 2023 and later, the new required deductible for 'Qualified Health Coverage' is $6,579 or less per individual (formerly $6,000 or less per individual).

Buying auto insurance in Michigan

Need car insurance in Michigan? Whether you live in Detroit, or the UP, Liberty Mutual Insurance can help you save on car insurance! From Liability Protection to Comprehensive Coverage, we've got you covered. We'll help you customize your Michigan auto insurance, so you only pay for what you need.

Michigan drivers could save money with these auto insurance discounts

Switch to Liberty Mutual for car insurance and you could save over $700¹

Online Purchase Discount

Buy your policy online and save. It's that simple.²

Learn more about Savings

Bundle and Save

Convenience and savings — need we say more? Combine your policies and get a discount.²

Learn about Bundle and Save Discounts and more

RightTrack^®

Get rewarded for your good driving behavior by saving up to 30% on your policy.³

Save with our safe driver program

Those are just a few of the ways we can help lower your car insurance costs.

View all car insurance discounts

Michigan minimum car insurance requirements (50/100/10)

It's illegal to drive without car insurance in Michigan. To drive legally, you need to have at least the following coverage amounts and minimums in Michigan.⁴

Coverage	Amount
Bodily Injury to others Coverage	$50,000 per person and $100,000 per accident
Property Damage Liability Coverage	$10,000 per accident
Personal Injury Protection (PIP)	Required in Michigan, with coverage levels that can vary based on your situation and choices.

Visit the Michigan Department of Insurance and Financial Services to learn more about minimum coverage requirements.

Average car insurance cost in Michigan, 2026

According to 2026 data, the average cost of “full” coverage car insurance in Michigan is about $2,532 per year.

Michigan drivers often pay more, or less, depending on their coverages, car, age, driving record, and where they live.

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Who offers cheap insurance in Michigan?

Finding the cheapest car insurance in Michigan may sound great, but a low-cost policy may not pay out when you need it.

You want car insurance that's affordable, and dependable if you have an accident. Trusted for over 100 years, we have the experience and stability to back you up.

A Liberty Mutual auto insurance policy can cost less than you think.⁵