Car insurance calculator for teens in Michigan

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Car insurance for teens in Michigan costs more than it does for older drivers, but the price depends on factors like age, gender, coverage limits, and the insurer you choose. Knowing the state averages can help you budget, compare quotes, and figure out what’s realistic for your family.

Use our calculator to estimate what you might pay to insure your teen in Michigan. Getting a personalized estimate can help you budget with confidence, compare against state averages, and decide which coverage and insurer are the best fit.

Car insurance calculator for state teens

State

Michigan

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Gender

Male

Male Female Non-binary

Age

16

16171819

Coverage level Full coverage – 100/300/100 liability, $500 collision and $500 comprehensive deductibles. State minimum liability – Liability coverage limits vary by state, no coverage for physical damage to your vehicle. Liability only – 100/300/100 liability, no coverage for physical damage to your vehicle.

Full coverage

Full coverage State minimum liability Liability only

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Average annual rates for state teen drivers

$7,638 Average rate

$12,450 Highest
rate

$4,076 Lowest
rate

Most expensive companies for auto insurance in ()

Company	Average annual rate
State Farm	$12,450
Travelers	$11,112
Progressive	$10,226

Least expensive companies for auto insurance in ()

Company	Average annual rate
Auto-Owners	$4,076
GEICO	$4,453
Michigan Farm Bureau	$6,028

Average teen car insurance costs in Michigan

On average, insuring a teen driver in Michigan costs $6,495 per year for a policy with 100/300/100 coverage limits – that’s $100,000 for one person injured in an accident, $300,000 for all injuries in a single accident, and $100,000 for property damage – plus $500 deductibles for collision and comprehensive.

Because teens are new to the road, insurers view them as higher risk, which makes their premiums much steeper than those of adults.

Your rate may also change based on the coverage you select, the type of car your teen drives, and where you live. Families in Michigan can save money by asking about good student discounts, signing up teens for a driving course, or adding them to an existing family policy.

Teen car insurance rates in Michigan, broken down by age

Car insurance costs for teens in Michigan vary depending on age. For instance, a full coverage car insurance policy for a 16-year-old in Michigan costs $7,539 per year. Once teens reach 19, the average cost falls to $5,220 annually.

Although these premiums are still much higher than those for adult drivers, the steady decline shows that coverage becomes more affordable as teens gain more experience driving.

Below you’ll find car insurance rates for teen drivers by age in Michigan.

Teen car insurance in Michigan, by gender

In most states, insurers can use gender when setting rates. California, Hawaii, Massachusetts, Michigan, North Carolina, and Pennsylvania are the exceptions. In Michigan, a 16-year-old male driver pays about $7,539 annually, while a female of the same age pays $7,539 – a difference of $0.

Crash statistics back up this difference. The Insurance Institute for Highway Safety reports that 3,048 teenagers ages 13-19 died in vehicle crashes in 2023, and two out of three were male. Because young men are more often involved in serious accidents, insurers factor that risk into premiums.

The table below shows average teen car insurance rates in Michigan by gender.

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Cheapest car insurance companies for teen drivers in Michigan

Car insurance for teen drivers is expensive, but some insurers offer more affordable rates than others, which is why comparing quotes from multiple insurers is the best way to find the cheapest coverage for your teen.

In Michigan, Auto-Owners offers the lowest rates for drivers ages 16-19, averaging $3,749 per year for full coverage with 100/300/100 limits and $500 deductibles for collision and comprehensive.

The second-cheapest option for teen drivers in Michigan is GEICO, with an average annual premium of $3,891.

The table below highlights the cheapest car insurance companies for teens in Michigan.

Minimum coverage requirements for teens in Michigan

In Michigan, teen drivers must meet the same minimum liability requirements as adults:

• $50,000 for bodily injury liability per person
• $100,000 for bodily injury liability per accident
• $10,000 for property damage liability

These limits are designed as a baseline, but they may not be enough to cover serious accidents. Many families choose higher limits for more protection when adding a teen driver.

If the car is financed or leased, comprehensive and collision coverage are also required. These cover damage to your own car from accidents, theft, or weather.

Smart ways to save on car insurance for your teen

There’s no avoiding the fact that insuring a teen driver costs more, but you can take steps to manage the expense while keeping them safe on the road:

• Check state averages. Knowing what families typically pay in your state gives you a ballpark figure to budget and compare against quotes.
• Choose the right car. A safe, reliable sedan is far cheaper to insure than a luxury or sports car.
• Consider full coverage. Liability is cheaper, but full coverage offers better protection against accidents, injuries, and costly repairs.
• Ask about discounts. Many insurers reward good grades, defensive driving courses, or low mileage with lower rates.
• Talk with your teen. Driving isn’t just freedom – it’s responsibility. Open conversations about risks and safety can encourage habits that save lives.
• Review your rates each year. Premiums usually drop as your teen gains experience and keeps a clean record, so it’s worth checking annually.

Helping your teen start off safely on the road

Adding your teen to your car insurance policy will raise your rates at first-but it won’t last forever. As they gain experience and prove themselves as safe drivers, premiums usually go down year by year.

You can ease the cost by comparing quotes, bundling policies, and asking about discounts. More importantly, insuring your teen isn’t just about following state rules. It’s about giving them a safe, confident start on the road while protecting your family financially.

Methodology

Insure.com analyzed rates collected from Quadrant Information Services for teen male and female drivers aged 16-19 for a full coverage policy with limits of 100/300/100 and $500 collision and comprehensive deductibles.

To evaluate the premiums, our data experts compared rates 53,409,632 insurance quotes from 170 insurance companies across 34,588 ZIP codes. The rates are for comparison purposes only; your exact rates may vary.

Shivani Gite

Contributing Writer

 

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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.

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