In Michigan, the type of car you drive can significantly affect your auto insurance premiums. Insurance companies take into account more than the make and model, they also factor in crash-test ratings, theft rates, safety features and average repair expenses. Other factors, such as your age and driving history, also play a key role in determining your premiums.
We’ve put together a list of the vehicles with the lowest insurance costs in Michigan by make, model and vehicle type. Whether you drive a sedan, SUV, sports car, electric vehicle (EV) or any other luxury model, you’ll find the most affordable car insurance rates for each category below.
Ranked: The cheapest cars to insure in Michigan
The Subaru Outback and Chevrolet Express are the cheapest vehicles to insure in Michigan, closely followed by the Honda CR-V and Jeep Wrangler, according to our data analysis.
Below is a list of the cheapest vehicles to insure in Michigan and their average six-month full coverage premiums.
| Car make-model | Average six-month premium |
|---|---|
| Subaru Outback | $1,236 |
| Chevrolet Express | $1,249 |
| Honda CR-V | $1,258 |
| Jeep Wrangler | $1,265 |
| Acura RDX | $1,277 |
| Chevrolet TrailBlazer | $1,287 |
| GMC Savana | $1,290 |
| Mini Cooper Countryman JCW | $1,296 |
| Mini Cooper Electric | $1,299 |
| Honda Pilot | $1,312 |
Read more: Cheapest cars to insure across the United States
Most affordable cars to insure by vehicle type in Michigan
Auto insurance costs can vary greatly depending on the type of car you drive. Generally speaking, the Van is the cheapest to insure, while the Performance Car is the most expensive.
We’ve reviewed rates for sedans, SUVs, sports cars, electric vehicles and luxury vehicles and identified the cheapest makes and models for each type, along with their average six-month premiums.
Cheapest sedans to insure in Michigan
According to our data, the Subaru Legacy is the cheapest sedan to insure, with an average six-month full coverage premium of $1,339. This premium is based on coverage limits of 100/300/100 and $500 collision and comprehensive deductibles.
Honda Accord ranks second on our list with an insurance cost of $1,520, followed by Honda Civic Sedan, which costs $1,599 to insure for a six-month policy.
Below is a list of the most affordable sedans to insure in Michigan and their average full coverage six-month rates.
| Vehicle model (sedan) | Average six-month premium |
|---|---|
| Subaru Legacy | $1,339 |
| Honda Accord | $1,520 |
| Honda Civic Sedan | $1,599 |
| Volkswagen Jetta GLI | $1,600 |
| Kia Forte | $1,617 |
| Nissan Versa | $1,618 |
| Toyota Camry | $1,623 |
| Volkswagen Jetta | $1,627 |
| Toyota Corolla | $1,634 |
| Nissan Sentra | $1,646 |
| Mazda 3 Sedan | $1,696 |
| Kia K5 | $1,699 |
| Nissan Altima | $1,709 |
| Hyundai Elantra | $1,721 |
| Chevrolet Malibu | $1,721 |
| Mitsubishi Mirage G4 | $1,797 |
| Hyundai Sonata | $1,833 |
Learn more: Cheapest sedans to insure across the United States
SUVs with the cheapest car insurance costs in Michigan
The Subaru Outback and Honda CR-V are the cheapest SUVs to insure in Michigan, with an average cost of $1,236 and $1,258 respectively for a six-month full coverage policy. The table below shows how the SUVs compare in terms of insurance rates.
| Vehicle model (SUV’s) | Average six-month premium |
|---|---|
| Honda CR-V | $1,258 |
| Jeep Wrangler | $1,265 |
| Chevrolet TrailBlazer | $1,287 |
| Honda Pilot | $1,312 |
| Honda Passport | $1,314 |
| Honda HR-V | $1,315 |
| Ford Escape | $1,320 |
| Mazda CX-5 | $1,335 |
| Ford Bronco Sport | $1,339 |
| Mini Cooper Countryman | $1,339 |
| Volkswagen Tiguan | $1,339 |
| Ford Edge | $1,353 |
| Subaru Forester | $1,357 |
| Kia Sportage | $1,359 |
| Ford Bronco | $1,362 |
| Kia Seltos | $1,363 |
| Hyundai Tucson | $1,365 |
| Chevrolet Trax | $1,366 |
| Toyota Corolla Cross | $1,369 |
| Subaru Crosstrek | $1,375 |
Learn more: Cheapest SUVs to insure across the United States
Sports cars with affordable insurance rates in Michigan
Sports cars often come with hefty insurance premiums because of their powerful engines, making them more prone to speeding violations, accidents, costly repairs and theft.
However, some models break the mold. Take the Mazda MX-5 Miata, for example, which is among the most affordable on our list, with an average six-month full coverage cost of $1,405.
The table below highlights the average six-month full coverage cost of various sports cars.
| Vehicle model (Sport cars) | Average six-month premium |
|---|---|
| Mazda MX-5 Miata | $1,405 |
| Chevrolet Camaro | $1,717 |
| Honda Civic Si | $1,726 |
| BMW Z4 | $1,804 |
| Toyota GR Corolla | $1,821 |
| Toyota GR Supra | $1,889 |
| Ford Mustang | $1,968 |
| Porsche 718 Boxster | $2,029 |
| Chevrolet Camaro ZL1 | $2,035 |
| Honda Civic Type R | $2,073 |
| Subaru BRZ | $2,089 |
| Toyota GR86 | $2,132 |
| Subaru WRX | $2,204 |
| Chevrolet Corvette | $2,226 |
| Porsche 718 Cayman | $2,280 |
| Nissan Z | $2,490 |
| Chevrolet Corvette Z06 | $2,599 |
| Jaguar F-Type | $2,891 |
| Porsche 911 | $3,020 |
| Porsche 911 Turbo | $3,284 |
Learn more about cheapest sports cars to insure
Most affordable luxury vehicles to insure in Michigan
Luxury cars are equipped with high-end components and advanced systems, making them expensive to fix or replace and resulting in high insurance rates. Unlike luxury vehicles, smaller SUVs such as the Honda CR-V, Honda HR-V and Volkswagen Tiguan generally have lower insurance premiums.
Among luxury vehicles, the Acura RDX has the lowest insurance cost at $1,277 for a six-month full coverage policy. The Volvo XC40 and Acura MDX also have affordable insurance rates at $1,383 and $1,421, respectively.
This table highlights the average full coverage insurance cost for different luxury vehicles for a six-month policy with limits of 100/300/100 and $500 collision and comprehensive deductibles.
| Vehicle model (Luxury cars) | Average six-month premium |
|---|---|
| Acura RDX | $1,277 |
| Volvo XC40 | $1,383 |
| Acura MDX | $1,421 |
| Cadillac XT4 | $1,491 |
| Cadillac XT5 | $1,496 |
| Volvo XC60 | $1,537 |
| BMW X3 | $1,551 |
| Genesis GV70 | $1,571 |
| Alfa-Romeo Tonale | $1,607 |
| Genesis GV80 | $1,610 |
| Lincoln Corsair | $1,610 |
| Audi Q3 | $1,611 |
| Lexus RX | $1,623 |
| Volvo XC90 | $1,627 |
| Acura TLX | $1,645 |
| BMW X1 | $1,646 |
| BMW X2 | $1,648 |
| Acura Integra | $1,654 |
| Lexus NX | $1,654 |
| Infiniti QX50 | $1,656 |
Read more about insuring luxury cars in 2025
Top electric cars with cheap insurance rates in Michigan
EVs generally cost more to insure than gas-powered vehicles because their batteries and other parts are expensive and repairing them often requires specialized labor.
Based on our analysis, insuring an electric vehicle costs an average of $4,127 annually, or $344 monthly.
The table below lists the most affordable EVs to insure in Michigan and their six-month average full coverage rates.
| Vehicle model (EVs) | Average six-month premium |
|---|---|
| Mini Cooper Electric | $1,299 |
| Kia Niro EV | $1,449 |
| Chevrolet Silverado EV | $1,508 |
| Hyundai Kona Electric | $1,509 |
| Volkswagen ID.4 | $1,540 |
| Nissan Leaf | $1,629 |
| Ford F-150 Lightning | $1,643 |
| Audi Q4 e-tron | $1,667 |
| Kia EV9 | $1,709 |
| Genesis Electrified GV70 | $1,756 |
| Toyota Mirai | $1,822 |
| Toyota bZ4X | $1,832 |
| Mercedes-Benz EQB | $1,883 |
| Hyundai Ioniq 5 | $1,900 |
| Subaru Solterra | $1,906 |
| Cadillac LYRIQ | $1,912 |
| Audi Q8 e-tron | $1,924 |
| Kia EV6 | $1,963 |
| Genesis GV60 | $1,969 |
| Jaguar I-Pace | $1,979 |
Learn more about how much does insuring an electric vehicle cost
Cheapest cars to insure for teens and young drivers in Michigan
Choosing the right vehicle can significantly affect how much a young driver pays for insurance. Drivers younger than 25 pay the most of any age group due to their general lack of experience and greater risk of accidents. Vehicles considered safe with smaller engines, cheaper to repair, and less likely to be stolen come with lower premiums.
For instance, a Subaru Outback costs an average of $4,226 to insure for an 18-year-old driver, whereas a Honda CR-V costs an average of $4,340 for a six-month full coverage car insurance policy for an 18-year-old driver.
The table below highlights the cheapest cars to insure based on vehicle type, helping young drivers and their families make confident decisions.
Choose your state and vehicle type to see average six-month insurance rates by vehicle make-model for teens and young drivers.
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Final thoughts
While your choice of car has a major impact on your insurance premium, it’s not the only factor. Your driving record, location and coverage level all play a role in calculating your premium. We’ve put together this guide to help you decide on a car that aligns with your needs and keeps your insurance rates in check.
See which cars are cheapest to insure in neighboring states
Frequently asked questions
Do electric cars have lower insurance costs in Michigan?
Generally speaking, EVs are more expensive to insure than gas-powered vehicles. However, some electric cars are relatively affordable to insure compared to similar gas-engine vehicles.
For example, it costs $1,299 to insure a Mini Cooper Electric for a six-month policy, whereas the insurance cost of a Kia Niro EV is $1,449, according to our analysis.
Which SUVs are the cheapest to insure in Michigan?
The Subaru Outback is one of the cheapest SUVs to insure in Michigan, with an average cost of $1,236 for a six-month car insurance plan. The Honda CR-V and Jeep Wrangler also come with relatively low insurance premiums.
What are the cheapest cars to insure for teen drivers in Michigan?
The Subaru Outback, Honda CR-V, Jeep Wrangler and Chevrolet Express are some of the cheapest cars to insure for an 18-year-old driver in Michigan. On the other hand, Maserati Quattroporte, Maserati Ghibli and Porsche 911 GT3 are the most expensive vehicles to insure for a young driver.
Methodology
CarInsurance.com collected data from Quadrant Information Services for different makes and models. The rates are based on sample profiles of 18-year-old and 40-year-old drivers carrying full coverage policies with limits of 100/300/100 and $500 collision and comprehensive deductibles.
To evaluate the premiums, we have compared 67,566,780 insurance quotes from 57 insurance companies for 1,661 makes and models across 510 ZIP codes nationwide. The rates are for comparison purposes only; your exact rates may vary.
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