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25 Years of insurance experience
57M Quotes reviewed
136 Insurance providers evaluated
34.5K ZIP codes analyzed

If you’re looking for car insurance rates in Michigan, the average annual premium is $2,352, per year or $196 monthly. This contrasts with the national average of $1,895, highlighting a variation of $457. Various elements influence car insurance rates, including age, gender, driving record, credit score, and location.

This guide talks about the average cost of full coverage in the state, identifies companies providing affordable monthly premiums for car insurance, outlines average car insurance rates across cities in Michigan, and breaks down car insurance rates by age group. To save on your auto insurance expenses, it’s advisable to shop around and compare quotes.

Keep reading to ensure that your insurance policy aligns with your needs without exceeding your budget.

Key Takeaways

  • The average car insurance cost in Michigan is $2,352 per year, based on Insure.com’s analysis.
  • In Michigan, the average premium for car insurance is $196 per month.
  • Geico has the cheapest car insurance rates in Michigan, at an average annual rate of $1,553 a year.

Average car insurance cost in Michigan per month

In Michigan, the average monthly rate for car insurance is $196.

This cost can vary among insurers, which is true of every auto insurance company. When exploring car insurance options in Michigan, it’s advisable to obtain quotes from multiple companies.

Cheapest car insurance companies in Michigan

The table below lists the other available car insurance companies which offer car insurance in Michigan, along with their average cost per month and average annual cost.

Affordable car insurance providers in Michigan

Graph
Table
Company nameAverage per month costAverage annual cost
Geico$129$1,553
Travelers$151$1,817
Progressive$172$2,069
Auto-Owners$174$2,085
Auto Club Group – ACG (AAA)$211$2,537
Pioneer State Mutual$222$2,662
Frankenmuth Insurance$238$2,851
Michigan Farm Bureau$246$2,948
State Farm$308$3,698
USAA$126$1,514

Read our guide to cheap car insurance companies

Insure.com commissioned Quadrant Information Services to calculate average auto insurance rates for vehicles from 2006 to 2023.

Our hypothetical driver is a 40-year-old male who commutes 12 miles to work each day, with policy limits of 100/300/50 ($100,000 for injury liability for one person, $300,000 for all injuries and $50,000 for property damage in an accident) and a $500 deductible on collision and comprehensive coverage.

Rates for vehicles up until 2023 includes uninsured motorist coverage (since some states require it, we do it for all) and PIP or Medical Payments, if it is required by state law. This hypothetical driver has a clean record and good credit.

For liability 100/300 is rates the same hypothetical driver but with liability limits of 100/300/50, uninsured/underinsured motorist in matching amounts and PIP or MedPay, if required by state. 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 six large carriers, such as Allstate, Farmers, GEICO, Nationwide, Progressive and State Farm. Rates were averaged across multiple ZIP codes and insurance companies. Average rates are for comparative purposes; your rate will depend on your personal factors.

Average cost of car insurance by coverage levels in Michigan

The extent of coverage you opt for directly influences the cost of car insurance in Michigan. Your premium is determined by the limits of your liability coverage, as well as your choice regarding comprehensive and collision coverage.

Liability-only insurance protects against third-party property damage and personal injuries in case of an accident. However, in the event of a collision, having solely liability coverage on your auto insurance wouldn’t cover your injuries or personal property damage if you’re responsible for the accident. If your coverage limit is 50/100/50 for liability only, the average annual cost in Michigan would be $694.

As you enhance your policy with additional coverage, your insurance premium inevitably rises, as the insurance provider will be liable to compensate you in the event of an accident or any other form of damage. Consequently, the average annual cost of full coverage car insurance in Michigan amounts to $2,352.

For individuals who don’t own a car but frequently rent one, non-owner state minimum liability coverage is the most suitable option. Similar to liability-only coverage, it provides protection for property damage and bodily injury caused to another driver. In Michigan, the average annual cost for non-owner state minimum liability coverage stands at $513.

For individuals seeking to lower their car insurance premiums, choosing the state minimum liability coverage alone, allows them to legally operate a vehicle within the state. This state minimum liability-only coverage option is priced at $654 annually in Michigan.

1State minimum:$654
2Liability only:$694
3Full coverage:$2,352
4Non-owners:$513

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 city

Average car insurance cost in Michigan by city

Several factors contribute to determining your car insurance premium, including your state, city, and even ZIP code. The frequency of accidents and the likelihood of vehicle theft or vandalism can impact the overall cost associated with a particular city or ZIP code.

The table below depicts the top popular cities in Michigan:

CityAverage annual cost
Ann Arbor$2,119
Dearborn$3,305
Detroit$3,280
Grand Rapids$2,248
Lansing$2,234
Livonia$2,794
Sterling Heights$2,680
Troy$2,617
Warren$2,645
Westland$3,058

Average car insurance cost in Michigan by age of the driver

Age plays a significant role in determining auto insurance premiums. Teenagers have a higher likelihood of being involved in car accidents compared to other age groups. The average annual rate for young drivers in Michigan is $3,880, whereas for seniors, it’s $2,308. The rate for young drivers surpasses that of senior drivers by $1,572.

Based on statistical data, young drivers are at a higher risk of being involved in vehicle accidents compared to more seasoned drivers. Consequently, they are categorized as high-risk drivers, leading to higher insurance costs. Factors such as speeding and limited road experience contribute to this high-risk classification. However, premiums begin to increase again around age 70, as certain age-related factors can impact driving capabilities.

Average car insurance cost in Michigan for young drivers

For female young drivers in Michigan, the average annual car insurance cost is $3,880, and $323 per month. Conversely, male young drivers face an average annual rate of $3,880, and $323 per month.

The average annual rates for young male and female drivers are listed in the table below:

Age of driver Average annual cost for Male drivers Average annual cost for Female drivers
20 $4,910 $4,910
21 $3,912 $3,912
22 $3,710 $3,710
23 $3,505 $3,505
24 $3,359 $3,359

Average car insurance cost in Michigan for senior drivers

For senior female drivers in Michigan, the annual cost of car insurance is $2,308, or $192 per month. Similarly, male senior drivers face an annual insurance rate of $2,308, or $192 per month.

Age of driver Average annual cost for Male drivers Average annual cost for Female drivers
65 $2,102 $2,102
70 $2,299 $2,299
75 $2,523 $2,523

Read more about senior car insurance

Minimum car insurance requirements in Michigan

Every state establishes guidelines regarding the minimum car insurance coverage drivers must possess to be able to drive vehicles legally. As per details provided by the Michigan Department of Insurance, the required coverages and minimum coverage limits in Michigan are as follows:

  • Bodily injury per person: $50,000
  • Bodily injury per accident: $100,000
  • Personal property coverage per person: $10,000

Cheapest cars to insure in Michigan

Insurance costs are lowest for Jeep Wrangler Unlimited owners, with an annual premium of $2,209. Subaru Outback follows closely at $2,244 per year. The difference in the cost of insuring these two models is $35 annually.

MakeModelAverage annual premium
JeepWrangler Unlimited$2,209
SubaruOutback$2,244
ChevroletTrailBlazer$2,260
AcuraRDX$2,309
JeepWrangler$2,313
MiniCooper Convertible$2,314
FordBronco$2,328
MazdaCX-30$2,328
FordEdge$2,330
SubaruCrosstrek$2,339

Most expensive cars to insure in Michigan

The Audi R8 Performance, at an average annual premium of $9,372, tops the list as the most expensive car to insure. However, the difference between the cheapest and most expensive cars to insure is $7,163 annually.

MakeModelAverage annual premium
AudiR8 Performance$9,372
MaseratiQuattroporte Trofeo$8,210
MaseratiQuattroporte$8,069
MaseratiGhibli Trofeo$7,960
MaseratiGhibli$7,541
Porsche911 Carrera GT3 RS$6,789
BMWM8$6,719
BMWAlpina B8$6,472
AudiRS Q8$6,090
PorschePanamera Turbo S E-Hybrid$6,068

Methodology

The Insure.com team worked with Quadrant Information Service to obtain car insurance data. To determine the average premiums, our team of data analysts and expert editors analyzed 56,838,240 insurance quotes from 136 insurance companies across 34,523 ZIP codes.

The insurance rates are based on a sample profile of a 40-year-old male driver with a clean driving record and a good insurance score. Quotes premiums are for a full coverage policy with limits:

The quoted insurance rates are for comparison purposes, and your individual rates may vary.

57M

Quotes reviewed

136

No. of carriers analyzed

34.5K

ZIP codes analyzed

How much is car insurance in other states

Alaska$1,676/Year
Alabama$1,860/Year
Arkansas$1,957/Year
Arizona$1,812/Year
California$2,416/Year
Colorado$2,337/Year
Connecticut$1,725/Year
Delaware$2,063/Year
Florida$2,694/Year
Georgia$1,970/Year
Hawaii$1,517/Year
Iowa$1,630/Year
Idaho$1,428/Year
Illinois$1,532/Year
Indiana$1,515/Year
Kansas$1,900/Year
Kentucky$2,228/Year
Louisiana$2,883/Year
Massachusetts$1,726/Year
Maryland$1,746/Year
Maine$1,175/Year
Minnesota$1,911/Year
Missouri$1,982/Year
Mississippi$2,008/Year
Montana$2,193/Year
North Carolina$1,741/Year
North Dakota$1,665/Year
Nebraska$1,902/Year
New Hampshire$1,265/Year
New Jersey$1,902/Year
New Mexico$2,049/Year
Nevada$2,060/Year
New York$1,870/Year
Ohio$1,417/Year
Oklahoma$2,138/Year
Oregon$1,678/Year
Pennsylvania$1,872/Year
Rhode Island$2,061/Year
South Carolina$2,009/Year
South Dakota$2,280/Year
Tennessee$1,677/Year
Texas$2,043/Year
Utah$1,825/Year
Virginia$1,469/Year
Vermont$1,319/Year
Washington$1,608/Year
Wisconsin$1,664/Year
West Virginia$2,005/Year
Wyoming$1,758/Year
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