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 Prachi Singh Prachi Singh Prachi is an insurance writer with a master’s degree in business administration. Through her writing, she hopes to help readers make smart and informed decisions about their finances. She loves to travel and write poetry. | Updated on: September 9, 2024 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 51M Quotes reviewed 167 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 $1,682, 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 MichiganAccording to Insure.com’s rate analysis, the most affordable provider of car insurance premiums in Michigan is Geico, with an average annual cost of $1,553 and a monthly average of $129. Following closely is Travelers, providing coverage at an average monthly rate of $151.The following table lists additional car insurance companies operating in Michigan and their respective average monthly and annual costs. 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 MichiganCar insurance rates in Michigan are directly proportional to the amount of coverage you buy. Your premium is determined by factors such as your liability limits and your choice of comprehensive and collision coverage.Liability-only insurance protects against third-party property damage and personal injuries in an accident. However, relying solely on liability coverage would not cover your injuries or property damage if you are considered at fault in a collision. Liability-only insurance for a coverage limit of 50/100/50 costs $694 per year in Michigan.As mentioned earlier, increasing the coverage on your policy leads to a rise in your premium, as the insurer will need to provide compensation in case of accidents or other damages. The average annual cost of full coverage car insurance in Michigan amounts to $2,352 per year.If you 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 protects property damage and bodily injury caused by another driver. In Michigan, the average annual cost for non-owner state minimum liability coverage is $513.For individuals seeking to reduce their car insurance expenses, selecting only the state minimum liability coverage is an option to ensure legal driving privileges within the state. This coverage, which includes only the minimum liability requirements, carries an annual cost of $654 in Michigan. 1State minimum:$6542Liability only:$6943Full coverage:$2,3524Non-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 cityAnn ArborDetroitGrand RapidsSterling HeightsWarrenAverage car insurance cost in Michigan by cityYour car insurance premium is determined by several factors, such as your state, city, and even ZIP code. The frequency of accidents and the probability of vehicle theft or vandalism play a role in determining the overall cost associated with a 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 is a significant factor affecting auto insurance premiums. Teenagers have a higher likelihood of being involved in car accidents compared to any other age group. For instance, in Michigan, the average annual rate for young drivers is $3,880, whereas for seniors, it’s $2,308. Notably, the rate for young drivers surpasses that of senior drivers by $1,572.Statistics indicate that young drivers face a greater risk of car accidents than seasoned drivers. Consequently, they are classified as high-risk individuals. They are more expensive to insure due to tendencies such as speeding and limited road experience. However, premiums rise again around age 70 as certain age-related factors may affect driving capabilities.Average car insurance cost in Michigan for young driversIn Michigan, female young drivers typically pay an average annual car insurance cost of $3,880 and $323 per month.Conversely, male young drivers pay an average annual rate of $3,880, or $323 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 drivers20$4,910$4,91021$3,912$3,91222$3,710$3,71023$3,505$3,50524$3,359$3,359Average car insurance cost in Michigan for senior driversIn Michigan, senior female drivers pay an annual car insurance cost of $2,308, equating to $192 per month. Similarly, male senior drivers face an average yearly expense of $2,308, or $192 per month.Age of driverAverage annual cost for Male driversAverage annual cost for Female drivers65$2,102$2,10270$2,299$2,29975$2,523$2,523Read more about senior car insurance.Minimum car insurance requirements in MichiganEvery state establishes laws regarding the minimum car insurance coverage drivers must possess to lawfully drive a vehicle. As outlined by the Michigan Department of Insurance, the following are the mandatory coverages and minimum coverage limits mandated in Michigan:Bodily injury per person: $50,000Bodily injury per accident: $100,000Personal property coverage per person: $10,000Cheapest cars to insure in MichiganThe Jeep Wrangler Unlimited has the most affordable average annual insurance premium, standing at $2,209. The Subaru Outback is followed 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 most expensive car to insure on the list is the Audi R8 Performance, which has an average annual premium of $9,372. 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 get car insurance data. Our team of data analysts and expert editors have analyzed 56,838,240 insurance quotes from 136 insurance companies across 34,523 ZIP codes to determine the average premiums. 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 of 100/300/100. The quoted insurance rates are for comparison purposes, and your rates may vary. 57M Quotes reviewed 136 No. of carriers analyzed 34.5K ZIP codes analyzed How 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 Prachi SinghContributing Researcher . .Prachi is an insurance writer with a master’s degree in business administration. 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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