The type of vehicle you own in Michigan can make a big difference in how much you pay for car insurance.
Insurers consider more than just make and model when setting rates. They also weigh factors like crash-test ratings, theft rates, safety features and average repair costs, as well as personal factors like your age and driving record.
We have highlighted the vehicles with the lowest insurance premiums and broken them down by make, model and type. Below, you’ll find the cheapest car insurance rates in Michigan for sedans, SUVs, sports cars, electric vehicles (EVs) and luxury vehicles.
Ranked: The cheapest cars to insure in Michigan
Our analysis shows that the Subaru Outback and the Chevrolet Express have the lowest average insurance costs in Michigan, with Honda CR-V and Jeep Wrangler close behind.
Below, you’ll find a breakdown of the cheapest cars to insure in Michigan and their average six-month full coverage insurance 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
Insurance premiums can vary significantly by vehicle type. For instance, Van come with the most affordable insurance rates, whereas Performance Car typically have the highest costs.
We analyzed insurance rates for sedans, SUVs, sports cars, electric vehicles and luxury cars to find the most affordable makes and models in each category, along with their average six-month full coverage premiums.
Cheapest sedans to insure in Michigan
Based on our data analysis, the Subaru Legacy is the cheapest sedan to insure, with an average cost of $1,339 for a full coverage car insurance six-month policy with limits of 100/300/100 and $500 collision and comprehensive deductibles.
It is followed by the Honda Accord, which costs $1,520, and the Honda Civic Sedan, which costs $1,599 to insure.
Below, you’ll find the most affordable sedans to insure in Michigan and their six-month full coverage car insurance premiums.
| 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 have the lowest car insurance rates, at $1,236 and $1,258, respectively, for a six-month policy. The full coverage car insurance rates of other SUVs are in the table below.
| 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 are typically expensive to insure due to their high-performance engines (which make speeding easier and increase the risk of tickets and accidents), expensive replacement parts and higher theft rates.
But some makes and models are still affordable to insure. For instance, the Mazda MX-5 Miata is one of the most inexpensive models on our list, with an average cost of $1,405.
See the table below for average full coverage car insurance rates of different 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
Car insurance is typically most expensive for drivers under 25, as they’re considered higher-risk due to limited driving history. Choosing a safer, lower-risk vehicle is one way to reduce those premiums. Vehicles that are easier to repair and less appealing to thieves generally come with affordable insurance rates.
The average six-month full coverage premium for an 18-year-old insuring a Subaru Outback is $4,226, while insuring a Honda CR-V costs $4,340 for the same coverage.
In the table below, we’ve broken down the most affordable cars to insure by vehicle type to help young drivers and their families make confident choices.
Choose your state and vehicle type to see average six-month insurance rates by vehicle make-model for teens and young drivers.
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 among the most affordable cars to insure for 18-year-old drivers in Michigan. On the other hand, vehicles like the Maserati Quattroporte, Maserati Ghibli and Porsche 911 GT3 come with higher insurance costs for young drivers.
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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