Home Car insurance Car insurance calculator Michigan car insurance calculator Michigan car insurance calculator Get a quick estimate of car insurance costs in Michigan with our calculator, tailored to your car, coverage, and location. Compare rates and choose a policy that fits your budget. View Carriers Please enter valid zip Compare top carriers in your area Written by Alisha AmbreAlisha AmbreAlisha Ambre holds a Bachelor of Arts with honours in English Literature and Media Studies. She focuses on crafting clear, engaging content that makes complex information feel practical and approachable for everyday readers. When she’s not writing, she’s likely on the volleyball court or immersed in a good video game.VIEW FULL PROFILE | Reviewed by Nupur GambhirNupur GambhirEditor-in-ChiefNupur Gambhir is the editor-in-chief of Insure.com and a licensed life, health and disability insurance agent in New York with seven years of experience covering insurance. Her expertise has been featured in Bloomberg News, Forbes Advisor, CNET, Fortune, Slate, Real Simple, Lifehacker, The Balance, The Financial Gym and MSN. She holds a BA in Economics from The Ohio State University.VIEW FULL PROFILESee moreSee less | Updated onMay 20, 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 pricing in Michigan depends on more than your ZIP code. Your vehicle, coverage level and driving history all play a role – and the difference between the cheapest and most expensive policies can be significant. Enter a few details below to get a quick estimate of your potential costs. How to use our car insurance calculator to estimate your rates in MichiganIt only takes about a minute to get an estimate:Select your car’s model yearChoose the make and modelConfirm Michigan as your stateClick ‘Get My Rates’ to view your estimateAdd more vehicles or click ‘Get quotes’ to compare real-time pricing 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 Minimum$1,220/year Liability coverage$1,490/year Full Coverage$4,137/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? Select 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 - + Methodology Insure.com commissioned Quadrant Information Services to calculate average auto insurance rates for vehicles from 2015 to 2024. Our hypothetical driver is a 40-year-old male who commutes 12 miles to work each day and drives 10,000 miles annually, with policy limits of 100/300/100 ($100,000 for injury liability for one person, $300,000 for all injuries and $100,000 for property damage in an accident) and a $500 deductible on collision and comprehensive coverage. Rates include uninsured/underinsured motorist coverage (since some states require it, we include it for all states) and PIP or Medical Payments if required by state law. This hypothetical driver has a clean record and good credit. For liability-only comparisons, rates reflect the same hypothetical driver but with liability limits of 100/300/100, uninsured/underinsured motorist coverage in matching amounts and PIP or MedPay if required by state law. 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 174 insurance companies across 76 company groups and were averaged across 34,595 ZIP codes covering 29,374 cities and 3,144 counties across 51 jurisdictions. Rates are based on analysis of 4,781 vehicle make-model combinations. Average rates are for comparative purposes; your rate will depend on your personal factors. Data last refreshed in 2026Powered by: What affects your car insurance rate in Michigan? Your car’s make, model, year and trimYour location within MichiganYour coverage levelYour driving history, credit score and vehicle storage Does your vehicle model affect car insurance rates in Michigan?A vehicle’s make and model can significantly impact car insurance rates. ‘Make’ refers to the brand and ‘model’ refers to the specific model you drive. For example, Honda (make) Accord (model).Insurers price based on how much a vehicle costs to repair or replace, how often that model is involved in claims, and how frequently it’s stolen. Two vehicles at the same price point can carry meaningfully different premiums.For example, full coverage for a Honda Accord LX costs $4,033 per year in Michigan, while the average premium for a Honda CR-V is $3,281 – a difference of $752. Popular cars aren’t always cheaper to insure High theft rates or expensive repair costs can push premiums up on common models. Check insurance costs before you buy, not after. Does your car’s model year affect insurance rates in Michigan?Newer cars generally cost more to insure because they are more expensive to repair or replace. In Michigan, insuring a 2024 Honda Accord LX costs $4,007, while the 2025 version costs $3,966.However, older vehicles aren’t always cheaper – lack of safety features or costly parts can keep premiums high. Check your state’s minimum coverage requirements Each state sets minimum insurance requirements, including Michigan. To drive legally, you’ll need liability coverage that typically includes:Bodily injury liability per person and per accidentProperty damage liability According to III (Insurance Information Institute), state-required minimums are usually not able to cover the costs of a serious crash, so it’s important to consider higher levels of coverage for financial protection. Not carrying the required coverage 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 does your car’s trim affect insurance rates in Michigan? Insurance rates often vary based on your car’s trim. Trim is a version of a vehicle model with different features, equipment, or engine options, such as LX, EX, or Sport.For example, in Michigan, full coverage for a 2024 Honda Accord LX costs $4,007 annually, while the Accord EX-L trim costs $4,074 – a difference of $67.Premium features like advanced infotainment or high-end audio systems can increase rates by raising the vehicle’s value. Performance trims may also cost more due to higher accident risk. 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 and cheapest car insurance in MichiganSee more That upgrade can cost more than you expect Moving to a higher trim can increase your insurance premium due to higher repair and replacement costs – not just the purchase price. Before choosing a trim, it’s worth getting a quote on each option to see how the price difference carries over to your insurance. How much does car insurance cost in Michigan?The average cost of full coverage car insurance in Michigan is $3,964 per year, or $330 per month. This gives you a general benchmark, but your actual rate may be higher or lower depending on your vehicle, coverage choices and personal details. Coverage levelAverage annual rateAverage monthly rateFull Coverage – 100/300/100 BI/PD – 500 Comp/Coll$3,964$330Liability Only – 50/100/50 BI/PD$1,390$116State Minimum BI/PD$1,303$109Non-Owners$855$71Powered by: People also ask: What is full coverage car insurance? Full coverage car insurance is a policy that includes liability, comprehensive, and collision coverage. It may also include additional protections like uninsured motorist coverage, medical payments, and other add-ons depending on your needs and state requirements. How do car insurance rates vary by city in Michigan?Your ZIP code within Michigan can have a major impact on your premium. Insurers evaluate traffic patterns, accident frequency, weather risks and theft rates – which is why similar drivers may pay very different rates depending on where they live.Full coverage costs $5,440 per year in Redford, compared to $2,943 in DeWitt.Top 20 cities with cheapest car insurance rates in MichiganThese locations tend to have the lowest premiums due to lower risk factors like traffic and claims.CityAvg. Annual PremiumAvg. Monthly PremiumDeWitt$2,943$245Hartford$3,032$253Potterville$3,042$253Friendship$3,066$256Ahmeek$3,074$256Copper City$3,074$256Lake Linden$3,087$257Allouez$3,089$257Climax$3,097$258Vassar$3,099$258St. Louis$3,106$259Kearsarge$3,114$259Rudyard$3,117$260Kendall$3,123$260Copper Harbor$3,124$260Fairgrove$3,124$260Kinross$3,126$260Interlochen$3,137$261Chassell$3,138$262Constantine$3,142$262Powered by:Top 20 cities with most expensive car insurance rates in MichiganThese areas typically have higher premiums due to increased traffic, accidents and claims.CityAvg. Annual PremiumAvg. Monthly PremiumRedford$5,440$453River Rouge$5,390$449Oak Park$5,293$441Dearborn$5,213$434Eastpointe$5,130$427Grosse Pointe Park$5,073$423Southfield$5,061$422Ecorse$4,990$416Harper Woods$4,949$412Detroit$4,928$411Flint$4,898$408Van Buren$4,888$407Grosse Pointe Woods$4,846$404Melvindale$4,788$399Bark River$4,784$399Allen Park$4,781$398Cornell$4,769$397Inkster$4,740$395Hazel Park$4,688$391Warren$4,679$390Powered by: If you’re moving within Michigan, check insurance rates before you go Moving to a more populated area can raise your insurance costs by hundreds per year – even if nothing else changes. Frequently asked questions What is the average cost of car insurance in Michigan? The average cost of full coverage car insurance in Michigan is $3,964 per year, or $330 per month. Your actual rate will depend on your vehicle, coverage level, driving history and location within the state. How can I lower my car insurance premium in Michigan? The most effective ways to lower your premium are comparing quotes from multiple carriers, increasing your deductible, bundling your auto policy with home or renters insurance, maintaining a clean driving record, and choosing a vehicle that costs less to insure. Discounts for safe driving, good grades or low annual mileage can also add up. Does my credit score affect car insurance rates in Michigan? In most states, insurers use a credit-based insurance score as one factor in setting your premium – a higher score typically means lower rates. However, California, Hawaii, Massachusetts and Michigan prohibit insurers from using credit when determining rates. Check whether Michigan has any restrictions on this practice. Sources:Insurance Information Institute. Auto insurance basics: Understanding your coverage. Accessed May 2026. Estimate your Michigan car insurance cost with our calculatorOur Michigan car insurance calculator gives you a quick estimate based on factors like your location, vehicle, and model year. Enter a few details to see a personalized estimate in seconds. Actual quotes can differ, so it’s smart to compare offers from multiple insurers to find your best rate. 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 does used car insurance cost? Most and least expensive models to insure Car insurance calculator — how much should you be paying? 1/1 How much is car insurance in other statesAlaska$2,167/YearAlabama$2,116/YearArkansas$2,942/YearArizona$2,420/YearCalifornia$3,444/YearColorado$3,181/YearConnecticut$2,742/YearWashington, D.C.$3,465/YearDelaware$3,157/YearFlorida$3,916/YearGeorgia$2,503/YearHawaii$1,757/YearIowa$2,460/YearIdaho$1,901/YearIllinois$1,938/YearIndiana$1,894/YearKansas$2,496/YearKentucky$2,624/YearLouisiana$3,999/YearMassachusetts$2,429/YearMaryland$1,999/YearMaine$1,808/YearMinnesota$2,591/YearMissouri$2,151/YearMississippi$2,397/YearMontana$2,476/YearNorth Carolina$2,638/YearNorth Dakota$2,439/YearNebraska$2,095/YearNew Hampshire$1,689/YearNew Jersey$3,122/YearNew Mexico$2,577/YearNevada$3,963/YearNew York$2,596/YearOhio$1,783/YearOklahoma$2,993/YearOregon$2,048/YearPennsylvania$2,327/YearRhode Island$2,878/YearSouth Carolina$2,417/YearSouth Dakota$2,575/YearTennessee$2,235/YearTexas$3,106/YearUtah$2,356/YearVirginia$1,835/YearVermont$1,660/YearWashington$2,389/YearWisconsin$2,343/YearWest Virginia$2,415/YearWyoming$2,061/YearShow more states No matches are found Alisha Ambre . .Alisha Ambre holds a Bachelor of Arts with honours in English Literature and Media Studies. She focuses on crafting clear, engaging content that makes complex information feel practical and approachable for everyday readers. When she’s not writing, she’s likely on the volleyball court or immersed in a good video game. 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 used car insurance cost? 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 MichiganDoes your vehicle model affect car insurance rates in Michigan?Does your car's model year affect insurance rates in Michigan?How does your car's trim affect insurance rates in Michigan? How much does car insurance cost in Michigan?How do car insurance rates vary by city in Michigan?Frequently asked questionsEstimate your Michigan car insurance cost with our calculator ZIP Code Please enter valid ZIP See rates 1-833-708-5453