Cheapest Car Insurance Quotes for a Learners Permit in Michigan

Locating budget car insurance is not the easiest thing to do, and finding out which insurers offer the best car insurance rates for a learners permit calls for even more diligence. Insurance prices will most likely be quite a bit more expensive than the average policy in Michigan, with the extra cost attributed to the added risk that comes with selling insurance for new drivers, but competitively-priced insurance should be achievable if you compare enough rates.

Every insurance provider has their own guidelines to determine premium rates, so let’s take a look at the most affordable car insurance companies in Michigan. We do need to point out that Michigan car insurance rates are calculated based on many things which can substantially change the price you pay for coverage. Things like having a birthday, buying a home, or getting a ticket for running a stop sign may cause policy rate changes that may make certain companies more affordable than the competition.

Lowest Insurance Price Quotes in Michigan

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USAA normally has some of the cheapest car insurance rates in Michigan at around $987 each year. GEICO, Safeco, MetLife, and Chubb also rank well as some of the most economical Michigan auto insurance companies.

In the rate table above, if you currently have coverage with Chubb and switched to GEICO, you might realize an annual premium reduction of around $383. Michigan drivers with MEEMIC could save as much as $433 a year, and Pioneer State Mutual policyholders might lower prices by up to $485 a year.

To compare your rates to other Michigan insurance companies, click here to start your free quote or visit any of the companies below.

It’s important to note that these rates are averaged for all types of drivers and the different vehicles they drive and do not factor in a price surcharge for a learners permit. So the insurer that has the cheapest price for you may not even be shown in the company chart above. That point stresses why you need to quote rates from many companies using your own specific driver and vehicle information.

For new drivers, one of the largest components that aid in calculating the policy price is where you normally keep your vehicle in Michigan. Areas that are more densely populated or have higher claim rates like Detroit, Dearborn, and Flint tend to have more expensive car insurance rates, whereas areas with less crime or weather claims generally have lower rates.

The illustration below sorts the highest-priced places in Michigan for a learners permit in which to purchase auto insurance.

Prices are estimated as the specific garaging location can revise coverage rates noticeably.

Bad driving habits will cost you more

The recommended way to get the cheapest car insurance prices in Michigan for new drivers is to be a safe driver and avoid getting tickets or having accidents. The illustration below shows how violations and at-fault fender-benders can impact car insurance rates for different ages of insureds. The rates are based on a single female driver, full physical damage coverage, $100 deductibles, and no discounts are taken into consideration.

google.charts.setOnLoadCallback(drawVioqcibChart);function drawVioqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘No Violations or Accidents’, ‘One Speeding Ticket and No Accidents’, ‘One Speeding Ticket and One Accident’],[‘Age 20’, 5493,5993,7397],[‘Age 30’, 3811,4307,5713],[‘Age 40’, 3529,4025,5433],[‘Age 50’, 3087,3585,4989],[‘Age 60’, 2981,3477,4881],[‘Age 70’, 3467,3967,5369]]);var options = {title: ‘Impact of Tickets and Accidents on Michigan Insurance Prices’,titleTextStyle: {color: ‘#333’, fontSize: 17, bold: true},width: ‘100%’,height: 600,’chartArea’: {left:100,top:50,’width’: ‘100%’, ‘height’: ‘70%’},legend: {position: ‘bottom’,textStyle: {fontSize: 12}},colors:[‘#b2da64′,’#eed355′,’#e39e71’],hAxis: {title: ‘Annual Auto Insurance Cost for Average Vehicle in Michigan’,minValue: 0,format: ‘$###,###’},vAxis: {title: ‘Age of Insured’}};var formatter = new google.visualization.NumberFormat({fractionDigits: 0,prefix: ‘$’});formatter.format(data,1);formatter.format(data,2);formatter.format(data,3);var chart = new google.visualization.BarChart(document.getElementById(‘qcibvio’));chart.draw(data, options);}

In the prior example, the average cost of auto insurance in Michigan per year with a clean driving record and no accidents is $3,728. Add in one speeding ticket and the average cost rises to $4,226, an increase of $498 each year. Then throw in one accident along with the one speeding ticket and the annual cost of car insurance for a learners permit jumps again to an average of $5,630. That’s an increase of $1,902, or $159 per month, just for a couple of infractions!

Types of discounts on Michigan car insurance rates

Car insurance companies that provide the cheapest car insurance for a learners permit in Michigan could also offer policy discounts that may potentially lower prices by 25% or more if you meet the requirements. Larger car insurance companies and some of the discounts can be found below.

The example below visualizes the comparison of auto insurance rates with and without discounts applied to the rates. The premium estimates are based on a male driver, a clean driving record, no claims, Michigan state minimum liability limits, full coverage, and $250 deductibles. The first bar for each age group shows premium with no discounts. The lower bar shows the rates with anti-theft, paperless filing, vehicle safety, continuous coverage, passive restraint, and good student discounts applied. With discounts applied, the the average yearly reduction on car insurance for a learners permit is 32% or $612.

google.charts.setOnLoadCallback(drawDiscqcibChart);function drawDiscqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘Male Driver No Discounts’, ‘Male Driver with Discounts’],[‘Age 17’, 9279,6643],[‘Age 30’, 3223,2337],[‘Age 40’, 3169,2295],[‘Age 50’, 2883,2089],[‘Age 60’, 2787,2017]]);var options = {title: ‘Effect of Discounts on Insurance Rates for a Learners Permit’,titleTextStyle: {color: ‘#333’,fontSize: 17,bold: true},width: ‘100%’,height: 500,’chartArea’:{left:100,top:50,’width’: ‘100%’, ‘height’: ‘70%’},legend: {position: ‘bottom’},colors: [‘#6791b9’, ‘#98bee2’],hAxis: {title: ‘Annual Auto Insurance Cost for Average Vehicle’,minValue: 0,format: ‘$###,###’},vAxis: {title: ‘Age of Insured’}};var formatter = new google.visualization.NumberFormat({fractionDigits: 0,prefix: ‘$’});formatter.format(data,1);formatter.format(data,2);var chart = new google.visualization.BarChart(document.getElementById(‘qcibdisc’));chart.draw(data, options);}

Which car insurance company is best?

When researching auto insurance, four of the best places to start are State Farm, Allstate, Progressive, and Geico. When added together, they make up almost half of the entire U.S. market share. They all have the same basic coverages, but each one has different features and discounts that add value to each policy. The next table breaks down ratings for price, service, and claims, in additional to some of the optional coverages that are available for policyholders.