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 premium for car insurance in Michigan is $2,352 per year or $196 per month. View Carriers Please enter valid zip Compare top carriers in your area Written by Insure.com's Editor | Updated on: April 7, 2025 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 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. Average annual cost $2,352 Average per month cost $196 Average cost for state minimum coverage $654 / Year Cheapest car insurance company Geico($1,553 / Year) Average cost for young drivers $3,880 / Year Average cost for Senior drivers $2,308 / Year Key TakeawaysThe 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 monthIn 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 MichiganThe 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 costGeico$129$1,553Travelers$151$1,817Progressive$172$2,069Auto-Owners$174$2,085Auto Club Group – ACG (AAA)$211$2,537Pioneer State Mutual$222$2,662Frankenmuth Insurance$238$2,851Michigan Farm Bureau$246$2,948State Farm$308$3,698USAA$126$1,514 Read our guide to cheap car insurance companies Michigan car insurance calculator Select Year Select Year202320222021202020192018201720162015201420132012201120102009200820072006 Vehicle Make Select MakeAcuraAlfa-RomeoAudiBMWBuickCadillacChevroletChryslerDodgeFordGenesisGMCHondaHyundaiInfinitiJaguarJeepKiaLand RoverLexusLincolnMaseratiMazdaMercedesMiniMitsubishiNissanPolestarPorscheRamSubaruTeslaToyotaVolkswagenVolvo Vehicle Model Select ModelIntegraIntegra A-SpecIntegra A-Spec TechMDXMDX SHMDX SH A-SpecMDX SH AdvanceMDX SH TechMDX SH Type SMDX SH Type S Advance PackageMDX TechRDXRDX A-SpecRDX A-Spec AdvanceRDX SHRDX SH A-SpecRDX SH AdvanceRDX SH TechRDX TechTLX 2.0TTLX 2.0T A-SpecTLX 2.0T SH A-SpecTLX 2.0T SH AdvanceTLX 2.0T TechTLX 3.0T Type S State Select StateAlaskaAlabamaArizonaArkansasCaliforniaColoradoConnecticutWashington D.C.DelawareFloridaGeorgiaHawaiiIdahoIllinoisIndianaIowaKansasKentuckyLouisianaMaineMarylandMassachusettsMichiganMinnesotaMississippiMissouriMontanaNebraskaNevadaNew HampshireNew MexicoNew YorkNew JerseyNorth CarolinaNorth DakotaOhioOklahomaOregonPennsylvaniaRhode IslandSouth CarolinaSouth DakotaTennesseeTexasUtahVermontVirginiaWashingtonWest VirginiaWisconsinWyomingNationwide Reset Vehicle already present. 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Year 2023 Cylinders 4 Make & Model Acura - Integra State Michigan Style 2WD 4 Door Hatchback Turbo CVT Vehicle Type Luxury Car State Minimum Coverage NA* Liability Coverage NA* Full Coverage $3,043/Year OR $254/month Michigan Get Quote Get Quote Let's start saving! To save more, tell us about yourself: What is Your Zip Code? What is Your 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 - + *It is recommended that you should get full coverage car insurance for vehicles 2020 or newer. Methodology 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 MichiganThe 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:$6542Liability only:$6943Full coverage:$2,3524Non-owners:$513Auto 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 cityAnn ArborDetroitGrand RapidsSterling HeightsWarrenAverage car insurance cost in Michigan by citySeveral 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 costAnn Arbor$2,119Dearborn$3,305Detroit$3,280Grand Rapids$2,248Lansing$2,234Livonia$2,794Sterling Heights$2,680Troy$2,617Warren$2,645Westland$3,058Average car insurance cost in Michigan by age of the driverAge 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 driversFor 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 driversFor 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 insuranceMinimum car insurance requirements in MichiganEvery 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 premiumJeepWrangler Unlimited$2,209SubaruOutback$2,244ChevroletTrailBlazer$2,260AcuraRDX$2,309JeepWrangler$2,313MiniCooper Convertible$2,314FordBronco$2,328MazdaCX-30$2,328FordEdge$2,330SubaruCrosstrek$2,339Most expensive cars to insure in MichiganThe 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 premiumAudiR8 Performance$9,372MaseratiQuattroporte Trofeo$8,210MaseratiQuattroporte$8,069MaseratiGhibli Trofeo$7,960MaseratiGhibli$7,541Porsche911 Carrera GT3 RS$6,789BMWM8$6,719BMWAlpina B8$6,472AudiRS Q8$6,090PorschePanamera Turbo S E-Hybrid$6,068MethodologyThe 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.57MQuotes reviewed136No. of carriers analyzed34.5KZIP codes analyzedHow much is car insurance in other statesAlaska$1,676/YearAlabama$1,860/YearArkansas$1,957/YearArizona$1,812/YearCalifornia$2,416/YearColorado$2,337/YearConnecticut$1,725/YearDelaware$2,063/YearFlorida$2,694/YearGeorgia$1,970/YearHawaii$1,517/YearIowa$1,630/YearIdaho$1,428/YearIllinois$1,532/YearIndiana$1,515/YearKansas$1,900/YearKentucky$2,228/YearLouisiana$2,883/YearMassachusetts$1,726/YearMaryland$1,746/YearMaine$1,175/YearMinnesota$1,911/YearMissouri$1,982/YearMississippi$2,008/YearMontana$2,193/YearNorth Carolina$1,741/YearNorth Dakota$1,665/YearNebraska$1,902/YearNew Hampshire$1,265/YearNew Jersey$1,902/YearNew Mexico$2,049/YearNevada$2,060/YearNew York$1,870/YearOhio$1,417/YearOklahoma$2,138/YearOregon$1,678/YearPennsylvania$1,872/YearRhode Island$2,061/YearSouth Carolina$2,009/YearSouth Dakota$2,280/YearTennessee$1,677/YearTexas$2,043/YearUtah$1,825/YearVirginia$1,469/YearVermont$1,319/YearWashington$1,608/YearWisconsin$1,664/YearWest Virginia$2,005/YearWyoming$1,758/YearShow more Explore other insurance options in Michigan Non-owner auto insurance in Michigan How much is renters insurance in Michigan Average homeowners insurance cost in Michigan In case you missed it Best Car Insurance Companies of 2025 The most and least expensive states for car insurance in 2025 What is full coverage car insurance? 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Part 1: How insurance companies spot bogus claims Insurance options for rideshare drivers 10 things that are illegal but shouldn’t be 1/1 On this page Average car insurance cost in Michigan per monthCheapest 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 age of the driverMinimum car insurance requirements in MichiganCheapest cars to insure in MichiganMost expensive cars to insure in MichiganMethodology ZIP Code Please enter valid ZIP See rates