Home Car insurance Car insurance calculator Michigan car insurance calculator Michigan car insurance calculator View Carriers Please enter valid zip Compare top carriers in your area Written by Shivani Gite Shivani Gite 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. | Reviewed by Nupur Gambhir Nupur Gambhir Nupur Gambhir is an insurance expert and managing editor of Insure.com. She specializes in life and health insurance content, and has experience as a marketing consultant. | Updated on: February 10, 2026 Why you can trust Insure.com Quality Verified 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. Car insurance is essential in Michigan, but finding the right plan at the right price isn’t always easy. That’s where our Michigan car insurance calculator can help.Use our auto insurance calculator to see your estimated annual and monthly costs in Michigan. It factors in your vehicle’s make and model so you can make informed coverage decisions. How to use our car insurance calculator to estimate your rates in Michigan:Step 1: Choose the model year of your car.Step 2: Choose the make and model of your car.Step 3: Choose your state.Step 4: Click on the “Get My Rates” button to get a car insurance estimate.Step 5: Expand your options by adding more vehicles, or take the next step by clicking the “Get quotes” button to compare policies and prices. Michigan car insurance calculator Tell us about your car to get an estimate. 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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 MinimumNA* Liability coverage$1,330/year Full Coverage$3,271/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? 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 - + Note: 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 2021 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. Data last refreshed in 2025Powered by:Does your vehicle model affect car insurance rates in Michigan?Your car’s make and model play a major role in determining your insurance rates, along with other factors insurers use when setting premiums.For example, the average annual full coverage cost for a Honda Accord LX in Michigan is $3,040, while the average premium for a Honda CR-V is $2,517 – that’s a difference of $523 annually.Does your car’s model year affect insurance rates in Michigan?In Michigan, your car’s model year affects how much you pay for insurance. For example, a 2023 Honda Accord LX has an annual premium of $4,705 per year, while the 2024 model costs $3,150 annually to insure. Quick tip: Review your state’s minimum insurance requirements before choosing a policyEach state sets its own minimum car insurance requirements, and Michigan is no different. To drive legally, you’ll need at least the minimum liability coverage, which generally includes:Bodily injury liability per person and per accidentProperty damage liabilityThese limits offer the minimum coverage, but many drivers choose higher coverage to protect themselves after an accident.Driving without the required coverage in Michigan can lead to fines, license suspension and even vehicle impoundment. 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 How your car’s trim affects insurance rates in MichiganYour car’s trim is one of the factors insurers use to calculate premiums in Michigan. Insurance companies take into account the car’s value, safety features, repair expenses and theft rates. As a result, trims with luxury features or powerful engines tend to be more costly to insure.Full coverage car insurance for a 2023 Honda Accord LX in Michigan is about $4,705 per year. On the other hand, the 2023 Honda Accord EX-L trim costs $3,991, which is $714 annually.Higher-end trims often come with expensive features like luxury interiors or advanced infotainment systems, which make the vehicle more costly to replace. Performance trims with bigger engines may also carry higher premiums due to the added risk associated with faster driving. You might find interesting Explore related topics Average car insurance cost in MichiganCar 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: Rates, state minimum requirements and best companiesNon-owner auto insurance in Michigan: Which company has the cheapest rates?The best, cheapest car insurance in MichiganBest and cheapest companies for home and auto bundles in MichiganSee more What drivers pay for car insurance in MichiganIn Michigan, the average cost of full coverage car insurance is $3,146 per year, or $262 per month. Your rate may be higher or lower depending on the coverage you choose.Below, you’ll find estimates for different coverage levels in Michigan, but keep in mind that factors like your vehicle, driving history, and other personal details can affect your final premium.Coverage levelAverage annual rateAverage monthly rateFull Coverage – 100/300/100 BI/PD – 500 Comp/Coll$3,146$262Liability Only – 50/100/50 BI/PD$761$63State Minimum BI/PD$714$60Non-Owners$462$38Powered by:How car insurance prices compare across Michigan citiesCar insurance premiums in Michigan can vary widely from one city to another. Insurers consider congestion, accident statistics, weather risks, and crime rates when setting premiums. For example, full coverage costs $7,022 per year in Hamtramck, compared to $2,435 in University Center.Top 20 cities with cheapest car insurance rates in MichiganCityAvg. Annual PremiumAvg. Monthly PremiumUniversity Center$2,435$203St. Joseph$2,439$203Grand Haven$2,443$204Spring Lake$2,466$205Zeeland$2,483$207Samaria$2,524$210Ottawa Lake$2,542$212Baroda$2,556$213Summerfield$2,556$213Williams$2,556$213Lambertville$2,558$213Marysville$2,566$214Portage$2,567$214Holland$2,570$214Clay$2,571$214Kawkawlin$2,574$214Harbert$2,578$215West Olive$2,581$215Douglas$2,584$215Georgetown$2,587$216Powered by:Top 20 cities with most expensive car insurance in rates MichiganCityAvg. Annual PremiumAvg. Monthly PremiumHamtramck$7,022$585Detroit$6,706$559River Rouge$5,567$464Ecorse$5,432$453Harper Woods$5,274$439Melvindale$5,159$430Dearborn$5,150$429Southfield$4,925$410Hazel Park$4,780$398Oak Park$4,705$392Center Line$4,690$391Redford$4,663$389Inkster$4,589$382Dearborn Heights$4,423$369Eastpointe$4,383$365Lincoln Park$4,286$357Warren$4,226$352Ferndale$4,183$349Taylor$4,152$346Pontiac$4,150$346Powered by:Want to know what you’ll pay? Use the Michigan car insurance calculatorUse the Michigan car insurance calculator to get an estimate based on your location, vehicle make and model year. Enter your details to get a tailored estimate, but remember-final rates may differ, so it’s wise to compare quotes from different insurers to find the best deal. Looking to simplify insurance cost estimation? Try our calculators: Monthly car insurance calculator Full coverage car insurance calculator State minimum car insurance calculator Blood alcohol content (BAC) calculator Liability coverage car insurance calculator Car insurance calculator for adults Car insurance calculator for young adults Car insurance calculator for teens Car insurance calculator for seniors California car insurance calculator Texas car insurance calculator Auto Insurance Advisor Find ratings for top insurance companies Car insurance estimate by model 2026 How much used car insurance costs: Most and least expensive models to insure Car insurance calculator: Use our tool to estimate your auto premiums 1/1 How 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/YearWashington, D.C.$3,394/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. 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 car insurance cost a month in 2026? How much used car insurance costs: Most and least expensive models to insure Average car insurance rates by age and gender 1/1 On this page How to use our car insurance calculator to estimate your rates in Michigan:Does your vehicle model affect car insurance rates in Michigan?Does your car's model year affect insurance rates in Michigan?How your car's trim affects insurance rates in MichiganWhat drivers pay for car insurance in MichiganHow car insurance prices compare across Michigan citiesWant to know what you'll pay? Use the Michigan car insurance calculator ZIP Code Please enter valid ZIP See rates (844) 645-3330