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If you are looking for auto insurance in Michigan, knowing how much it will cost is a promising idea. The average premium for car insurance in Michigan is $2,133 per year or $178 per month. While the national average is $1,682. There is a difference of $451 more between the national average and the state average.

If you live here, you know that already. But do you know why? There are a range of factors that affect car insurance rates. A few of them are –age group, gender, driving history, credit score, and location where you live.

Apart from the factors which affect auto insurance rates, this guide also talks about the average rate of full coverage in state, companies offering cheap monthly premiums for car insurance, average car insurance rates by cities in Michigan, and car insurance rates by age group.

Shop around and compare quotes to save money on your auto insurance. Keep reading the guide to make sure the insurance policy does not cost you more than your requirements.

Summary of average car insurance cost in Michigan
Average annual cost
Average per month cost
Average cost for state minimum coverage
$711 / Year
Cheapest car insurance company
($1,309/ Year)
Average cost for young drivers
$3,426 / Year
Average cost for Senior drivers
$2,031 / Year

Key Takeaways

  • The average car insurance cost in Michigan is $2,133 per year, based on’s analysis.
  • In Michigan, the average premium for car insurance is $178 per month.
  • Geico has the cheapest car insurance rates in Michigan, at an average annual rate of $1,309 a year.

Average car insurance cost in Michigan per month

In Michigan, the average premium for car insurance is $178 per month.

The price for the same coverage may differ between companies, which is true of every auto insurance company. When looking for car insurance rates in Michigan, it is a promising idea to get quotes from many firms.

As per the rate analysis conducted by, the company which offers cheapest car insurance premiums in Michigan is Geico. The average annual cost is $1,309 while the average cost per month is $109. The second-best option available is, USAA, offering insurance at an average per month cost of $110.

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.

Company nameAverage per month costAverage annual cost
Automobile Club MI$164$1,964
Farmers Insurance$191$2,289
State Farm$279$3,346

Read our guide to best car insurance companies

Average cost of car insurance by coverage levels in Michigan

The amount of coverage you purchase has an impact on how much car insurance costs in Michigan. Your premium is determined by your liability limits, as well as whether you want comprehensive and collision coverage.

Liability only insurance protects a third party’s property damage and personal injuries in the event of an accident. In the case of a collision, having only liability coverage on your auto insurance would not cover your injuries or personal property damage since you are the driver responsible for the accident. If your coverage limit is 50/100/50 Liability only, the average cost per year in Michigan is $755.

When you add more coverage to your policy, your insurance premium increases. As the insurance provider will have to compensate you if you are in an accident or suffer damage in any other manner. Hence, the average cost of full coverage car insurance in Michigan is $2,133 per year.

For someone who does not own the car, but frequently rents a car, non-owner state minimum liability coverage is best suited. It is like liability-only coverage and covers for property damage and bodily injury caused to another driver. In Michigan, the average annual cost for non-owner state minimum liability only is $574.

And for those who wish to save money on car insurance premiums can opt to have only the state minimum liability coverage, to be able to legally drive in the state. The state minimum liability only coverage costs $711 per year in Michigan.

Coverage limitsAverage annual cost
50/100/50 Liability Only$755
100/300/100 Liability with $500 Comp/Coll Deductible$2,133
Non-Owner State Minimum Liability Only$574
State Minimum Liability Only$711

Average car insurance cost in Michigan by City

Your car insurance premium is determined by a variety of factors, including your state, city, and even ZIP code. The incidence of accidents and the likeliness of vehicle theft or vandalism can influence the overall cost of a city or ZIP code.

The table below depicts the top popular cities in Michigan:

CityAverage annual cost
Grand Rapids$1,943
Sterling Heights$2,737
Ann Arbor$1,908

Auto insurance premiums vary significantly from city to city, so drivers need to be sure they’re getting the best deal. 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 age of the driver

Age is also a consideration when it comes to auto insurance rates. Teens are more likely to be in automobile accidents than any other generation. For example, the average annual rate for young drivers in Michigan is $3,426 while for seniors is $2,031. Here, the rate for young drivers is $1,395 more than the rate for senior drivers.

According to statistics, young drivers are more likely to be in a vehicle accident than more experienced drivers. As a result, they are deemed high-risk and costly to insure. They are considered a high-risk driver because of over-speeding and less driving experience on road. Although, premiums start to rise again about age 70 when some aspects of aging start affecting driving abilities.

Average car insurance cost in Michigan for young drivers

The average car insurance cost for female young drivers in Michigan is $3,426 per year or $286 per month and rate for a male young driver is $3,426 per year or $286 per month.

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

Age of driverAverage annual cost for Male driversAverage annual cost for Female drivers

Average car insurance cost in Michigan for senior drivers

In Michigan, the cost of car insurance for senior female driver is $2,031 per year or $169 per month and cost of car insurance for male senior driver is $2,031 per year or $169 per month.

Age of driverAverage annual cost for Male driversAverage annual cost for Female drivers

Read more about senior car insurance

Minimum car insurance requirements in Michigan

Each state sets its own regulations regarding the minimum amount of car insurance coverage drivers must carry to operate a vehicle legally on the roads. According to information provided by the Michigan Department of Insurance, the following are the required coverages and minimum coverage limits in Michigan:

  • Bodily injury per person: $20,000
  • Bodily injury per accident: $40,000
  • Personal property coverage per person: $10,000

Cheapest cars to insure in Michigan

The Jeep Wrangler Rubicon has the lowest average annual insurance premium at $1,692, followed closely by the GMC Savana G2500 at $1,750. The difference in the cost of insuring these two models is $58 annually.

MakeModelAverage annual premium
JeepWrangler Rubicon$1,692
GMCSavana G2500$1,750
SubaruOutback 2.5I$1,781
MazdaMX-5 Miata Grand Touring$1,819
VolvoXC40 T4 Inscription$1,827
MazdaCX-5 S$1,836
SubaruCrosstrek 2.0I$1,853
SubaruCrosstrek 2.5I Limited$1,867
FordTransit Connect Titanium$1,867
SubaruOutback 2.4I Limited XT$1,880

Most expensive cars to insure in Michigan

The most expensive car to insure on the list is the Maserati Quattroporte, which has an average annual premium of $5,999. However, the difference between the cheapest and most expensive cars to insure is $4,307 annually.

MakeModelAverage annual premium
MaseratiGhibli Modena$5,679
MaseratiGhibli GT$5,590
MaseratiGhibli Trofeo$5,113
Porsche718 Boxster Spyder$5,069
MaseratiLevante Trofeo$4,845
DodgeCharger SRT Hellcat$4,290
AudiRS6 Avant Quattro$4,267
VolvoXC40 Pure Electric Plus$4,260
Porsche911 Turbo$4,200

Note: For coverage limit: 100/300/50 liability with a $500 comprehensive and collision deductible.

Methodology team worked with Quadrant Information Service to get car insurance data. To determine the average premiums, our team of data analysts and expert editors have 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:

  • $100,000 bodily injury liability per person
  • $300,000 bodily injury liability per accident
  • $100,000 property damage liability
  • $500 collision/comprehensive deductible

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

How much is car insurance in other states

North Carolina$1,368/Year
North Dakota$1,419/Year
New Hampshire$1,307/Year
New Jersey$1,901/Year
New Mexico$1,505/Year
New York$2,020/Year
Rhode Island$1,845/Year
South Carolina$1,894/Year
South Dakota$1,581/Year
West Virginia$1,610/Year
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