- The average cost of car insurance in Michigan is $3,964 a year or $330 per month, based on our data analysis.
- Minimum liability coverage in Michigan costs around $1,577 annually for limits of 50/100/10, while liability-only coverage costs $1,682 per year for limits of 50/100/50.
- GEICO provides the most affordable annual rates for full coverage car insurance in Michigan, costing $1,971 per year.
- In Michigan, driving incidents can significantly increase premiums, with a speeding ticket raising rates by up to 72%, a DUI raising rates by 182%, and an at-fault accident by up to 98%.
Car insurance costs in Michigan vary greatly depending on various factors, including the type of coverage you choose, coverage limits, your address and personal factors. GEICO offers the cheapest annual rates for full coverage car insurance in Michigan at $1,971 annually.
This comprehensive guide to buying car insurance for Michigan drivers is based on data research and expert advice from CarInsurance.com’s team of insurance analysts and editors. We spent countless hours doing the homework for you and analyzed rates for various driver demographics to show you what you can expect to pay.
Keep reading to learn how auto insurance in Michigan works and how much insurance you need.
How much is car insurance in Michigan?
CarInsurance.com data found that drivers in Michigan pay $330 monthly for full coverage car insurance.
Understanding the average insurance cost can help you plan your budget. Remember, car insurance rates vary widely, depending on the type of car you drive, your driving history and other personal factors.
See how rates change in Michigan based on driver profile:
- Teen drivers in Michigan pay the most — about $960 a month or $11,522 a year.
- Young drivers in their 20s pay an average of $521 monthly or $6,248 annually, for car insurance.
- Senior drivers pay around $330 monthly or $3,956 a year.
- A speeding ticket can increase your rates to $569 monthly or $6,833 annually.
- An at-fault accident increases car insurance rates to $655 a month or $7,865 a year.
- Poor credit drivers usually see their car insurance costs increase to $972 monthly or $11,664 annually.
Average cost of auto insurance in Michigan by coverage level
In Michigan, the cost of car insurance can vary depending on how much coverage you purchase. Michigan drivers need at least the minimum insurance coverage limits of 50/100/10 to legally drive.
Liability-only insurance policies are the most affordable option and provide the minimum coverage required in Michigan. However, they don’t offer much protection.
While liability insurance protects you from financial loss by covering legal defense and damages if you’re found responsible for causing injury or property damage to others, it doesn’t protect your vehicle or passengers.
On the other hand, full coverage car insurance is more expensive, but it offers extensive protection. It helps cover your vehicle in case of accidents, theft, natural disasters, and animal collisions. Full coverage can make you feel more secure, knowing you’re well-protected if something happens.
Full coverage car insurance comprises liability, comprehensive, collision and any other coverage required by your state.
In the table below, see the car insurance premiums in Michigan for three different coverages.
| Coverage level | Monthly rates | Annual rates |
|---|---|---|
| State Minimum BI/PD | $131 | $1,577 |
| Liability Only – 50/100/50 BI/PD | $140 | $1,682 |
| Full Coverage – 100/300/100 BI/PD – 500 Comp/Coll | $330 | $3,964 |
State minimum car insurance in Michigan
Michigan’s car insurance laws require a minimum coverage of $50,000 in bodily injury liability per person, $100,000 in bodily injury liability per accident and $10,000 in property damage liability.
The state minimum car insurance cost in Michigan is $1,577 a year. However, this basic coverage only offers limited protection. Michigan drivers can choose to add more coverage, such as comprehensive and collision insurance, raise their liability limits and include personal injury protection or other insurance coverage, for better protection.
Drivers in Michigan must purchase the minimum required car insurance to operate their vehicles on the road.
Liability-only car insurance in Michigan
According to CarInsurance.com data, liability-only car insurance costs $1,682 in Michigan for limits 50/100/50.
This policy covers the cost of damages caused to others but not damages to the policyholder’s vehicle or passengers. While it is less expensive than a full coverage plan, liability-only insurance does not protect against an accident or theft of the insured vehicle.
Full coverage car insurance in Michigan
In Michigan, you can expect to pay around $3,964 per year for full coverage car insurance for the limits of 100/300/100 – $100,000 in bodily injury coverage, $300,000 in bodily injury coverage per accident and $100,000 in property damage coverage.
Car insurance experts advise drivers to get full coverage insurance with the highest liability limits they can afford. Full coverage includes liability, comprehensive and collision coverage, with a deductible.
Calculate the cost of car insurance in Michigan
Insurance rates can differ depending on your ZIP code because what’s affordable in one area might be expensive in another.
Insurance companies assess various factors, such as crime rates, traffic conditions, car theft incidents and population density, to evaluate the level of risk in different areas and determine car insurance premiums.
This means that residents in higher-risk neighborhoods in Michigan have to bear greater financial burdens than those in areas with lower risks.
Our tool lets you quickly obtain insurance quotes for different coverage limits specific to your ZIP code within minutes. Input your ZIP code to see how much you can save on premiums.
Calculate car insurance rates by ZIP code in Michigan
Rates vary by location. Our tool helps you understand how your ZIP code impacts your premium.
For 30 year old Male ( Full - 100/300/100)
Speak with a friendly agent and get your quote in minutes!
Estimate car insurance in Michigan by car model
Michigan car insurance providers use the make and model of your vehicle to determine premiums. If you drive a luxury car, which can be expensive to repair, expect to pay more for insurance than cars that are easier and cheaper to fix.
For instance, luxury brands like Maserati, BMW, Porsche, and Audi usually have higher insurance costs. Cars like Subaru, Hyundai, Honda and Mazda are often cheaper to insure.
Find out how much car insurance costs for your car make and model in Michigan.
Insurance rates by car model
Guide: How to estimate car insurance using our car insurance estimator tool
Car insurance rates by age group in Michigan
As you age, the cost of your car insurance might change. As a young driver, you’ll pay more than an experienced, older driver. This is because younger drivers are more prone to accidents. The Insurance Institute for Highway Safety reports that the crash rate for teen drivers is four times higher than for drivers 20 years old or older.
Auto insurance companies understand that teenage drivers typically have less experience and pose a higher risk to insure. In Michigan, drivers aged 30 to 60 enjoy the lowest average auto insurance premiums, at $3,826 annually.
Michigan drivers aged 16-19 pay $7,696 more for insurance premiums than drivers aged 30-60.
See the average rates by age group below:
- For teen drivers: Teens aged 16-19 can expect to pay $11,522 per year for a full coverage car insurance policy.
- For young adults: Drivers aged 20-25 can expect to pay $6,025 a year for a full coverage policy.
- For average-aged drivers: Drivers aged 30 to 60 can expect to pay $3,826 per year in Michigan.
- For senior drivers: Drivers age 65 and older can expect to pay $3,956 per year.
Check out our detailed guide on average car insurance rates by age
Rates based on driver profile, history and habits in Michigan
A history of DUI, speeding, or at-fault accidents often results in significant hikes in insurance premiums. In Michigan, a DUI conviction lead to increased rates and you may see a rate hike of up to 182% as insurers categorize you as a high-risk driver.
If you receive a speeding ticket in Michigan, be prepared for your car insurance rates to rise by up to 72% when you renew your policy. This increase might last for about three years. However, the exact amount of the increase depends on the specific laws in your state, your insurance provider and your driving record.
Find below how much your car insurance rate increases depending on driving incidents:
- Speeding ticket: Up to 72% increase
- DUI conviction: 182% increase
- At-fault accident (bodily injury and property damage): 98% increase
Even if you’ve received a traffic ticket, you can still save money by comparing insurance quotes.
Car insurance cost in Michigan for high-risk drivers
High-risk drivers in Michigan pay more for car insurance than other drivers because they are considered riskier. Factors like accident history, traffic violations and poor credit scores influence how much the policyholder will pay for insurance coverage.
Luckily, there are ways for high-risk drivers to reduce their premium payments. Shopping around and comparing quotes is a great place to start, as each company will have its own rate structure tailored to individual needs.
Use the tool below to see which company offers cheaper rates for drivers with speeding tickets, DUI convictions and at-fault accidents.
Select your state and risk factor below to see the insurance company and its average annual full coverage rates.
Learn more: The 10 most important factors that affect car insurance rates
Explore car insurance costs in your neighboring states
Compare car insurance quotes in Michigan
In Michigan, drivers can save on car insurance by comparing prices from different companies. Many factors affect how much you pay, like your driving history and the type of car you drive. Luckily, there are plenty of choices to help you find good insurance that fits your budget.
Compare the best car insurance options in Michigan by getting quotes from different insurance companies.
Below are the details of Michigan car insurance companies and their annual premiums.
| Company | State Minimum | 50/100/50 | 100/300/100 |
|---|---|---|---|
| GEICO | $975 | $1,082 | $1,971 |
| Auto-Owners | $751 | $804 | $2,868 |
| Progressive | $1,022 | $1,186 | $2,946 |
| State Farm | $2,495 | $2,502 | $4,323 |
| Frankenmuth Insurance | $1,546 | $1,605 | $5,197 |
| The Hanover | $2,897 | $3,198 | $7,837 |
Car insurance rates by city in Michigan
Dearborn is Michigan’s most expensive city for car insurance at an average cost of $5,213 annually. Ann Arbor is the state’s least expensive city, with an average car insurance rate of $3,529 annually.
Car insurance costs differ from city to city in Michigan, mainly because of traffic congestion. Cities with more traffic usually see more accidents and insurance claims, which makes insurance more expensive.
Rates can also be influenced by factors such as uninsured motorist statistics, expenses related to repairs and medical treatment, as well as the overall crime rate in the city.
Find below the average annual car insurance cost for drivers in some of Michigan’s major cities.
Select your city below to see the insurance company and its average full coverage rates.
How much does car insurance cost in Michigan per month?
The average cost of a full-coverage car insurance policy in Michigan costs $330 monthly for coverage limits of 100/300/100.
Paying car insurance monthly can offer individuals greater budget flexibility. By spreading the cost over time, they can avoid the strain of a hefty lump sum payment and manage their expenses more comfortably.
While paying your car insurance in full upfront at renewal can sometimes get you a discount, the best choice will depend on your situation.
| Coverage level | Monthly rates |
|---|---|
| State Minimum BI/PD | $131 |
| Liability Only – 50/100/50 BI/PD | $140 |
| Full Coverage – 100/300/100 BI/PD – 500 Comp/Coll | $330 |
Final thoughts on choosing car insurance in Michigan
There’s no one best car insurance for everyone. Some drivers are willing to pay a bit more for outstanding customer service, some want the lowest rates, others prefer carriers who can handle claims and payments through mobile apps and some prefer agents.
Ultimately, understanding your needs to find the best policy at the most competitive price is critical. Shop around for a good deal that provides peace of mind when hitting the open road in Michigan.
Resources & Methodology
Sources
- Insurance Institute for Highway Safety. “Teenagers.” Accessed April 2026.
- USAA. “How credit affects insurance premiums.” Accessed April 2026.
Methodology
CarInsurance.com commissioned Quadrant Information Services to get car insurance rates in Michigan. The average premiums are based on the sample profile of a 40-year-old male and female driving a Honda Accord LX with a good insurance score and a clean driving record.
The rates are for different coverage limits. It includes:
- Full coverage car insurance with a coverage limit of $100,000 in bodily injury per person, $300,000 in bodily injury coverage per accident, $100,000 in property damage coverage per accident and a $500 collision/comprehensive deductible.
- Liability-only car insurance rates with a limit of 50/100/50.
- State minimum coverage limit of 50/100/10.
Read the detailed methodology for more information.
Note: USAA is only available to military community members and their families.
Still have a question? Ask our experts
Get advice from an experienced insurance professional. Our experts will help you navigate your insurance questions with clarity and confidence.
Browse all FAQs
