Home Car insurance Average car insurance cost Car insurance rates by state Average car insurance cost in Michigan Average car insurance cost in Michigan The average full coverage car insurance cost in Michigan is $3,146 annually, or $262 monthly. View Carriers Please enter valid zip Compare top carriers in your area Written by Shivani GiteShivani GiteShivani Gite is a personal finance and insurance writer with a degree in journalism and mass communication. She is passionate about making insurance topics easy to understand for people and helping them make better financial decisions.VIEW FULL PROFILE | Reviewed by Nupur GambhirNupur GambhirEditor-in-ChiefNupur Gambhir is the editor-in-chief of Insure.com and a licensed life, health and disability insurance agent in New York with seven years of experience covering insurance. Her expertise has been featured in Bloomberg News, Forbes Advisor, CNET, Fortune, Slate, Real Simple, Lifehacker, The Balance, The Financial Gym and MSN. She holds a BA in Economics from The Ohio State University.VIEW FULL PROFILESee moreSee less | Updated onMay 20, 2026 Why you can trust Insure.com At Insure.com, we are committed to providing the timely, accurate and expert information consumers need to make smart insurance decisions. All our content is written and reviewed by industry professionals and insurance experts. Our team carefully vets our rate data to ensure we only provide reliable and up-to-date insurance pricing. We follow the highest editorial standards. Our content is based solely on objective research and data gathering. We maintain strict editorial independence to ensure unbiased coverage of the insurance industry. 25 Years of insurance experience 78.5M Quotes reviewed 170 Insurance providers evaluated 34.5K ZIP codes analyzed A full coverage car insurance policy costs around $3,146 a year or $262 per month for Michigan drivers. However, if you choose to get the state’s minimum liability coverage, you’ll pay $714 a year.Where you live plays a big role in what you pay for car insurance. Insurers factor in local accident rates, repair and medical costs, theft trends, and even weather risks when setting premiums. If you’re in a crowded city with high traffic or crime rates, you’ll typically pay more, whereas quieter rural areas usually come with lower premiums. But location isn’t everything – your age, driving history, credit score, ZIP code and even the type of car you drive also play a role in determining your final premium. Average annual cost $3,146 Average per month cost $262 Average cost for state minimum coverage $761 / Year Cheapest car insurance company GEICO$1,827 / Year Average cost for young drivers $5,194 / Year Average cost for Senior drivers $3,009 / Year 012345 1 of 6 Average car insurance cost in Michigan Drivers in Michigan generally pay an average of $262 per month or $3,146 per year for full coverage car insurance. However, if you go with the state’s minimum coverage, your monthly premium could be as low as $60 or $714 per year. Just keep in mind that opting for minimum coverage means significantly less protection if you’re in an accident.Your exact car insurance costs may vary, as insurers consider multiple factors including your age, driving experience, credit score, where you live and what kind of car you drive.Cheapest car insurance companies in MichiganGEICO has the cheapest rates, at an average annual cost of $1,827 or $152 a month for a full coverage policy with limits of 100/300/100 and $500 collision and comprehensive deductibles.Travelers also stands out for its affordable premiums, with an average cost of $182 per month or $2,182 annually.While these insurance companies have some of the lowest average rates in Michigan, your actual premium may vary. It’s always a good idea to compare quotes to find the best deal on auto insurance. Affordable car insurance providers in Michigan Graph Table Company nameAverage per month costAverage annual costGEICO$152$1,827Travelers$182$2,182Auto-Owners$240$2,877Auto Club Group – ACG (AAA)$245$2,935Progressive$264$3,165Michigan Farm Bureau$323$3,870Pioneer State Mutual$333$3,996Frankenmuth Insurance$359$4,312State Farm$373$4,477USAA*$151$1,811*USAA is only available to military community members and their families.Powered by: *USAA is only available to military community members and their families.Powered by: Michigan car insurance calculator Tell us about your car to get an estimate. Vehicle year Vehicle year2024202320222021202020192018201720162015 State Select StateAlaskaAlabamaArizonaArkansasCaliforniaColoradoConnecticutWashington D.C.DelawareFloridaGeorgiaHawaiiIdahoIllinoisIndianaIowaKansasKentuckyLouisianaMaineMarylandMassachusettsMichiganMinnesotaMississippiMissouriMontanaNebraskaNevadaNew HampshireNew MexicoNew YorkNew JerseyNorth CarolinaNorth DakotaOhioOklahomaOregonPennsylvaniaRhode IslandSouth CarolinaSouth DakotaTennesseeTexasUtahVermontVirginiaWashingtonWest VirginiaWisconsinWyomingNationwide Vehicle make Select MakeAcuraAlfa-RomeoAudiBMWBuickCadillacChevroletChryslerDodgeFiatFordGenesisGMCHondaHyundaiIneosInfinitiJaguarJeepKiaLand RoverLexusLincolnLucidMaseratiMazdaMercedes-AMGMercedes-BenzMercedes-MaybachMiniMitsubishiNissanPolestarPorscheRamRivianSubaruTeslaToyotaVinFastVolkswagenVolvo Vehicle model Select ModelIntegraIntegra A-SpecIntegra A-Spec TechIntegra A-Spec TechIntegra Type SMDXMDX SH-AWDMDX SH-AWD A-SpecMDX SH-AWD A-Spec AdvanceMDX SH-AWD AdvanceMDX SH-AWD TechnologyMDX SH-AWD Type S Advance PackageMDX TechnologyRDX SH-AWDRDX SH-AWD A-SpecRDX SH-AWD A-Spec AdvanceRDX SH-AWD AdvanceRDX SH-AWD TechnologyTLX 2.0T A-SpecTLX 2.0T SH-AWD A-SpecTLX 2.0T TechnologyTLX 3.0T Type STLX 3.0T Type S High Performance Tire Vehicle already present. Please select a different vehicle. Matching results for your vehicle Add another vehicle Add a vehicle to Compare!!! Acura Integra Michigan Vehicle details Vehicle year 2024 Style 2WD 4 Door Hatchback Automatic Turbo State Michigan Cylinders 4 Make & model Acura - Integra Vehicle type Luxury Car Your estimated rate State Minimum$1,220/year Liability coverage$1,490/year Full Coverage$4,137/yearRecommended Get quotes Get quotes Let's start saving! To save more, tell us about yourself: What is Your Zip Code? What is Your Age? Select age 16 - 20 21 - 24 25 - 34 35 - 44 45 - 54 55 - 64 65+ SEE IF YOU QUALIFY FOR MAJOR DISCOUNTS: I am a homeowner I am currently insured I am a good driver A good driver means: Have no accidents or violations in the last 3 years. Don't have a DUI. Don't need an SR22. Number of vehicles - + Methodology Insure.com commissioned Quadrant Information Services to calculate average auto insurance rates for vehicles from 2015 to 2024. Our hypothetical driver is a 40-year-old male who commutes 12 miles to work each day and drives 10,000 miles annually, with policy limits of 100/300/100 ($100,000 for injury liability for one person, $300,000 for all injuries and $100,000 for property damage in an accident) and a $500 deductible on collision and comprehensive coverage. Rates include uninsured/underinsured motorist coverage (since some states require it, we include it for all states) and PIP or Medical Payments if required by state law. This hypothetical driver has a clean record and good credit. For liability-only comparisons, rates reflect the same hypothetical driver but with liability limits of 100/300/100, uninsured/underinsured motorist coverage in matching amounts and PIP or MedPay if required by state law. We recommend limits this high, even if you have only liability coverage. A state-minimum policy includes only the basic state liability limits and any other state-required coverages, such as uninsured motorist or PIP. Averages were calculated using data from 174 insurance companies across 76 company groups and were averaged across 34,595 ZIP codes covering 29,374 cities and 3,144 counties across 51 jurisdictions. Rates are based on analysis of 4,781 vehicle make-model combinations. Average rates are for comparative purposes; your rate will depend on your personal factors. Data last refreshed in 2026Powered by:Average cost of car insurance by coverage levels in MichiganThe cost of your car insurance also depends on the coverage levels you choose.If you opt for just the minimum coverage required by your state, you’ll pay $60 per month, or $714 per year. It’s a low-cost option, but keep in mind that it won’t pay for any repairs to your own car if you’re in an accident.For solid protection, full coverage might be the right choice. It includes liability coverage along with collision and comprehensive insurance. Collision coverage covers damage to your vehicle from accidents, irrespective of fault. Comprehensive coverage protects against non-collision events like theft, vandalism or weather events.In Michigan, the average cost for full coverage is $262 per month, or $3,146 per yearWhile it’s more than what you’d pay for minimum coverage, the added protection can be worth it, especially if your car is of significant value.Coverage limitsAverage annual costState minimum liability-only$714Liability only$761Full coverage$3,146Non-owner state minimum liability$462Powered by:Auto insurance premiums vary significantly from city to city, so drivers need to be sure they’re getting the best deal. Insure.com has done the research for you. Get more information on auto insurance rates by city below.Car insurance rates in Michigan by citySee rates in your cityAnn ArborDetroitGrand RapidsSterling HeightsWarren Our agents make it hassle-free to get the right quote. Call (844) 814-8854 Ethan Available Now Jack Available Now Robbie Available Now Ellie Available Now Average car insurance cost in Michigan by cityCar insurance rates can vary widely depending on where you live, even within Michigan.Cities like Detroit, Dearborn, or Warren tend to have higher premiums due to heavier traffic, more frequent accidents, and a greater risk of theft or damage.On the other hand, car insurance is generally more affordable in cities like Ann Arbor or Grand Rapids, with average annual premiums between $2,628 and $2,898.This is largely because these cities have fewer accidents, less traffic, and lower rates of vehicle theft or vandalism.CityAverage annual costAnn Arbor$2,628Grand Rapids$2,898Lansing$2,937Troy$3,287Livonia$3,467Sterling Heights$3,850Westland$3,957Warren$4,226Dearborn$5,150Detroit$6,706Powered by:Average car insurance cost in Michigan by ageInsurers consider age a key risk factor when determining car insurance rates. Our data shows that young drivers typically pay higher premiums due to their limited experience behind the wheel.Generally, rates are highest for teens, begin to drop after age 25 and rise again once drivers reach their early 70s.Let’s take a closer look at how much you might pay in Michigan for a full coverage policy based on your age and gender.Average car insurance cost in Michigan for young driversIf you’re a young driver, you can expect to pay above average premiums. Insurers see young drivers as high-risk, which means higher premiums until you gain more experience behind the wheel.For instance, 20-year-old male drivers in Michigan pay an average of $6,425 per year for car insurance, while females of the same age pay $6,425.But by the time you turn 25, insurance premiums drop to $3,757 a year on average for male drivers and $3,757 for female drivers.Age of driverAverage annual cost for Male driversAverage annual cost for Female drivers20$6,425$6,42521$5,253$5,25322$5,058$5,05823$4,716$4,71624$4,524$4,524Powered by:Average car insurance cost in Michigan for adult driversOn average, an adult male driver in Michigan pays $3,114 a year for full coverage or $259 per month. Women pay $3,114 a year or $259 per month for the same coverage.However, exact rates can vary widely from driver to driver, so it’s helpful to compare quotes to find the best price for your vehicle.Age of driverAverage annual cost for Male driversAverage annual cost for Female drivers25$3,757$3,75730$3,345$3,34535$3,230$3,23040$3,146$3,14645$3,071$3,07150$2,894$2,89455$2,759$2,75960$2,708$2,708Powered by:Average car insurance cost in Michigan for senior driversIf you’re a senior driver, your car insurance costs go up as you get older. At age 65, men pay about $2,743 per year, while women pay $2,743. But by age 70, average premiums rise to $3,001 for men and $3,001 annually for women. At 75, rates increase even further – $3,288 for male drivers and $3,288 for female drivers.Insurers charge more because older drivers are seen as a higher risk due to slower reaction times and changes in vision. But you can still keep costs down by maintaining a clean driving record and taking advantage of senior discounts.Age of driverAverage annual cost for Male driversAverage annual cost for Female drivers65$2,743$2,74370$3,001$3,00175$3,288$3,288Powered by:Minimum car insurance requirements in MichiganWhether you’re buying insurance for the first time or moving to a new state, understanding the required liability limits in Michigan can help you avoid fines and make smarter choices about your coverage.Drivers in Michigan must carry at least the following minimum coverage limits to meet the state’s legal requirements:Bodily injury per person: $50,000Bodily injury per accident: $100,000Property damage liability: $10,000Cheapest cars to insure in MichiganInsurance premiums vary significantly depending on the type of vehicle you drive. Cars that are more expensive to repair, have higher theft rates, or are statistically involved in more accidents typically cost more to insure. On the other hand, vehicles with excellent safety ratings, affordable repair costs, and fewer claims history tend to have lower insurance premiums.Subaru Outback has the lowest premium, at an average of $2,473 a year, closely followed by Chevrolet Express, with an average annual car insurance cost of $2,499.The table below shows the cheapest cars to insure and their average annual rates.Make ModelAverage annual premiumSubaru Outback$2,473Chevrolet Express$2,499Honda CR-V$2,517Jeep Wrangler$2,529Acura RDX$2,554Chevrolet TrailBlazer$2,575GMC Savana$2,579Mini Cooper Countryman JCW$2,592Mini Cooper Electric$2,597Honda Pilot$2,625Powered by:Most expensive cars to insure in MichiganMaserati Quattroporte is one of the most expensive vehicles to insure in Michigan, with an average annual cost of $9,523.Below is a list of the costliest vehicles to insure in Michigan and their average premiums.Make ModelAverage annual premiumMaserati Quattroporte$9,523Maserati Ghibli$9,005BMW M8 Gran Coupe$7,431Nissan GT-R$7,420Porsche 911 GT3$7,276Mercedes-AMG G63$7,113Audi RS Q8$7,074BMW X6 M$7,027Audi RS7$7,017BMW i7$6,958Powered by:Premiums vary based on where you live and your driving history. To make sure you’re getting the right coverage at a fair price, it’s important to compare quotes from different insurers. Shopping around can help you find coverage that fits your needs and budget.MethodologyInsure.com commissioned Quadrant Information Service to get 2025 car insurance data. Our team of data analysts and expert editors has analyzed 78,451,280 insurance quotes from 170 insurance companies across 34,588 ZIP codes to determine the average premiums. The insurance rates are based on a sample profile of a 40-year-old male and female drivers with a clean driving record and a good insurance score. Quotes premiums are for different coverage limits, includingFull coverage policy limits of $100,000 per person for bodily injury, $300,000 total for all bodily injuries per accident and $100,000 for property damage per accident.State minimum limitsLiability-only policy with limits of $50,000 per person for bodily injury, $100,000 in bodily injury per accident and $100,000 for property damage per accident.We also collected average car insurance rates for drivers of different age groups:Teen drivers aged 16-19Young drivers aged 20-24Adult drivers aged 25-60Senior drivers aged 65-75The quoted insurance rates are for comparison purposes, and your rates may vary.78.5MQuotes reviewed170No. of carriers analyzed34.5KZIP codes analyzedHow much is car insurance in other statesAlaska$2,215/YearAlabama$2,107/YearArkansas$2,723/YearArizona$2,333/YearCalifornia$3,010/YearColorado$3,222/YearConnecticut$2,726/YearDelaware$3,097/YearFlorida$3,852/YearGeorgia$2,739/YearHawaii$1,721/YearIowa$2,228/YearIdaho$1,791/YearIllinois$1,901/YearIndiana$1,856/YearKansas$2,410/YearKentucky$2,976/YearLouisiana$4,180/YearMassachusetts$2,430/YearMaryland$2,273/YearMaine$1,701/YearMinnesota$2,561/YearMissouri$2,410/YearMississippi$2,455/YearMontana$2,541/YearNorth Carolina$2,587/YearNorth Dakota$2,079/YearNebraska$2,387/YearNew Hampshire$1,650/YearNew Jersey$2,736/YearNew Mexico$2,486/YearNevada$3,284/YearNew York$2,898/YearOhio$1,739/YearOklahoma$2,705/YearOregon$1,927/YearPennsylvania$2,428/YearRhode Island$2,706/YearSouth Carolina$2,367/YearSouth Dakota$2,635/YearTennessee$2,214/YearTexas$2,631/YearUtah$2,250/YearVirginia$1,837/YearVermont$1,504/YearWashington$2,175/YearWisconsin$2,026/YearWest Virginia$2,557/YearWyoming$1,984/YearShow more states No matches are found Shivani GiteContributing Writer | . .Shivani Gite is a personal finance and insurance writer with a degree in journalism and mass communication. She is passionate about making insurance topics easy to understand for people and helping them make better financial decisions. You might find interesting Explore related topics Car insurance calculator for teens in MichiganCheapest SR-22 insurance in MichiganDo you need insurance to register a car in Michigan?How long does a speeding ticket stay on your record in MichiganHow much is gap insurance in MichiganLow-cost car insurance in MichiganMichigan car insurance calculatorMichigan car insurance: Rates, state minimum requirements and best companiesNon-owner auto insurance in Michigan: Which company has the cheapest rates?The best and cheapest car insurance in MichiganSee more Explore other insurance options in Michigan The best and cheapest car insurance in Michigan How much is renters insurance in Michigan Average homeowners insurance cost in Michigan In case you missed it The most expensive and cheapest cars to insure in 2026 Do you have to add a teenage driver to your car insurance policy? Teenage car insurance rates: How much is car insurance for teens? Most and least expensive trucks to insure in 2026 How much does car insurance cost for seniors in 2026? Non-owner car insurance: How to get car insurance if you don’t own a car i... The most and least expensive states for car insurance Do your car insurance and registration have to be under the same name? Car insurance mileage brackets: How your annual mileage affects your premiums What to do after a car accident that’s not your fault How to keep your totaled car Most expensive and cheapest SUVs to insure in 2026 Average cost of gap insurance in 2026 Is $200 a month high for car insurance? Blood alcohol content (BAC) calculator Can I insure a car that isn’t in my name? What to know about six-month car insurance How much does used car insurance cost? Most and least expensive models to insure Average car insurance rates by age and gender 1/1 On this page Average car insurance cost in MichiganCheapest car insurance companies in MichiganAverage cost of car insurance by coverage levels in MichiganAverage car insurance cost in Michigan by cityAverage car insurance cost in Michigan by ageMinimum car insurance requirements in MichiganCheapest cars to insure in MichiganMost expensive cars to insure in MichiganMethodology ZIP Code Please enter valid ZIP See rates 1-833-708-5453