- The average cost of car insurance in Michigan is $2,266 a year or $189 per month, based on our data analysis.
- Minimum liability coverage in Michigan costs around $604 annually for limits of 50/100/10, while liability-only coverage costs $645 per year for limits of 50/100/50.
- Travelers provides the most affordable annual rates for full coverage car insurance in Michigan, costing $1,355 per year.
- In Michigan, driving incidents can significantly increase premiums, with a speeding ticket raising rates by up to 39%, a DUI raising rates by 156%, and an at-fault accident by up to 44%.
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. Travelers offers the cheapest annual rates for full coverage car insurance in Michigan at $1,355 annually.
This guide makes buying car insurance in Michigan easy. We’ve done the hard work by researching and analyzing what different drivers might pay for insurance.
Keep reading to learn how auto insurance in Michigan works and how much insurance you need.
How much is car insurance in Michigan?
According to CarInsurance.com data, drivers in Michigan pay about $189 per month for full coverage car insurance.
Understanding the average insurance cost can give you a head start in budgeting for your coverage. It’s important to consider that premium costs vary from person to person and will depend largely on the make/model of your car, your driving record and other factors.
See how rates change in Michigan based on driver profile:
- Teen drivers in Michigan pay the most — about $541 a month or $6,495 a year.
- Young drivers in their 20s pay an average of $323 monthly or $3,880 annually, for car insurance.
- Senior drivers pay around $192 monthly or $2,308 a year.
- A speeding ticket can increase your rates to $289 monthly or $3,468 annually.
- An at-fault accident increases car insurance rates to $306 a month or $3,673 a year.
- Poor credit drivers usually see their car insurance costs increase to $472 monthly or $5,661 annually.
Average cost of auto insurance in Michigan by coverage level
In Michigan, car insurance rates can differ depending on how much coverage you choose. Drivers in Michigan are required by law to have minimum insurance coverage limits of 50/100/10 to drive legally.
Liability-only policies are the cheapest, offering bare-bones protection that meets state’s financial responsibility laws – but they don’t offer much legal protection and coverage for your medical costs or property damage.
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.
Full coverage car insurance policies are the most expensive but provide much more protection. They cover your own vehicles from accidents, theft, natural disasters and animal strikes. With a full-coverage insurance policy, drivers can be confident that they’re protected in the event of an accident up to the limits of their policies.
Full coverage comprises liability, comprehensive, collision and any other coverage required by your state.
Below are the Michigan car insurance costs for three different coverage levels.
| Coverage Level | Avg. Monthly Cost | Avg. Annual Cost |
|---|---|---|
| State Minimum – Liability Only BI/PD | $54 | $654 |
| Liability Only – 50/100/50 BI/PD | $58 | $694 |
| Full Coverage – 100/300/100 Liability BI/PD with $500 Comp/Coll Deductible | $196 | $2,352 |
State minimum car insurance in Michigan
In Michigan, minimum car insurance requirements include $50,000 of bodily injury liability per person, $100,000 of bodily injury liability per accident and $10,000 of property damage liability.
The state minimum car insurance cost in Michigan is $604 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 $645 in Michigan for limits 50/100/50.
Liability-only insurance helps cover the costs if you damage someone else’s car or injure someone in an accident. It’s more affordable than full coverage insurance, but remember, it doesn’t pay for repairs to your vehicle or cover injuries to your passengers.
Full coverage car insurance in Michigan
On average, premiums for full coverage car insurance in Michigan cost $2,266 per year 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 costs can vary depending on where you live. An affordable policy for someone in one area might be more expensive for someone living elsewhere.
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.
As a result, people living in higher-risk neighborhoods of Michigan have to pay more than those living where the risks are lower.
With our easy-to-use tool, you can get insurance quotes for different coverage limits for your ZIP code in minutes. Enter your ZIP code into our free tool to see how much you can save.
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 ( Liability - Minimum)
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Estimate car insurance in Michigan by car model
Car insurers in Michigan use the make and model of your car to determine your insurance rates. Cars deemed more expensive to repair, such as luxury cars and EVs, may raise your rates more than those that may cost less 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 you’ll pay for car insurance for your vehicle 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 drivers age, their auto insurance premiums change – with younger and teen drivers paying higher rates than experienced drivers. The crash rate for teen drivers is four times higher than that of drivers aged 20 and older, according to the Insurance Institute for Highway Safety.
Insurers know that teenage drivers are less experienced and pose a higher risk, resulting in higher insurance premiums. Michigan drivers between the ages of 30 to 60 typically enjoy the lowest average auto insurance rates, at about $2,176 annually.
Drivers aged 16-19 pay $3,897 more for car insurance than Michigan drivers aged 30-60 per year.
See the average rates by age group below:
- For teen drivers: Teens aged 16-19 can expect to pay $6,073 per year for a full coverage car insurance policy.
- For young adults: Drivers aged 20-25 can expect to pay $3,528 yearly for a full coverage policy.
- For average-aged adult drivers: Drivers aged 30 to 60 can expect to pay $2,176 annually in Michigan.
- For senior drivers: Drivers aged 65 and older can expect to pay $2,240 per year.
Check out our detailed guide on average car insurance rates by age
Rates based on driver profile, history and habits in Michigan
Having a DUI, speeding ticket or being at fault in an accident can substantially increase your insurance rates. In Michigan, a DUI conviction often results in higher premiums and you may see an increase of up to 156% as insurers perceive 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 39% 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 39% increase
- DUI conviction: 156% increase
- At-fault accident (bodily injury and property damage): 44% 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.
High-risk drivers can lower their insurance premiums by comparing price quotes from different insurance companies. Each company offers different prices, so shopping around and finding the best deal that fits your needs is a good idea.
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 their premiums by comparing insurance quotes from different carriers. The cost of car insurance can vary based on several factors, including your driving history and the model of your car. Comparing multiple options allows you to find the right policy at an affordable price.
Compare the best car insurance options in Michigan by getting quotes from different insurance companies.
Below is a breakdown of car insurance companies in Michigan and their average annual premiums.
| Company | State Minimum | 50/100/50 | 100/300/100 |
|---|---|---|---|
| Travelers | $106 | $121 | $1,355 |
| GEICO | $620 | $638 | $1,553 |
| Progressive | $789 | $829 | $2,069 |
| Auto-Owners | $467 | $489 | $2,080 |
| Automobile Club MI (AAA) | $507 | $545 | $2,526 |
| Pioneer State Mutual | $585 | $664 | $2,649 |
| Frankenmuth Insurance | $695 | $743 | $2,822 |
| Michigan Farm Bureau | $810 | $847 | $2,911 |
| State Farm | $1,334 | $1,385 | $3,601 |
| USAA | $320 | $379 | $1,514 |
Car insurance rates by city in Michigan
Hamtramck is the priciest city in Michigan for car insurance, costing an average of $3,114 annually. On the other hand, Grand Haven is the most affordable city, where drivers pay an average of $1,868 per year for car insurance.
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.
The number of uninsured drivers, crime rates, and the average cost of repairs and medical bills also influence car insurance rates.
Below, you’ll see the average annual car insurance cost of major cities in Michigan.
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?
Car insurance in Michigan costs an average of $189 a month for a full coverage policy with limits of 100/300/100.
For some people, it is better to pay car insurance monthly because it gives them more flexibility in their budget. They can spread the cost over a longer period of time and don’t have to worry about a large lump sum payment.
On the other hand, paying for car insurance in full at renewal time can often result in a discount. Ultimately, your best option will depend on your needs and circumstances.
| Coverage Level | Avg. Monthly Rates |
|---|---|
| State Minimum – Liability Only BI/PD | $54 |
| Liability Only – 50/100/50 BI/PD | $58 |
| Full Coverage – 100/300/100 Liability BI/PD with $500 Comp/Coll Deductible | $196 |
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.
Understanding your needs and finding the best insurance policy at a great price are important. So, take your time and check out different options to find the right policy for you.
Resources & Methodology
Sources
- Insurance Institute for Highway Safety. “Teenagers.” Accessed September 2025.
- USAA. “How credit affects insurance premiums.” Accessed September 2025.
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.
To evaluate the rates, we have compared 53,409,632 insurance quotes from 75 company groups across 34,588 ZIP codes. The average premiums are for comparison purposes only; your exact rates may vary.
Note: USAA is only available to military community members and their families.
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