- 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%.
The cost of car insurance in Michigan varies significantly depending on the type and amount of insurance coverage you buy, your location, age and driving history. Travelers offers the cheapest rates at $1,355 a year for full coverage.
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 get a clear idea of how car insurance in Michigan works and how much coverage you need.
How much is car insurance in Michigan?
In Michigan, drivers pay an average of $189 monthly for full coverage car insurance, based on a rate analysis by CarInsurance.com.
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 insurance is the least expensive coverage and meets the minimum legal requirements in Michigan, but it doesn’t offer adequate 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 costs more but provides a lot more protection. It covers damage to your car in accidents, theft, natural events and animal collisions. If you have full coverage, you can be reassured that you’re well-protected.
Full coverage comprises liability, comprehensive, collision and any other coverage required by your state.
Below, you will find the rates for car insurance in Michigan for 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
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 $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.
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
The average annual premium in Michigan is $2,266 for a full coverage policy with 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.
When it comes to car insurance, experts recommend opting for full coverage with the highest liability limits you can afford. It includes liability, comprehensive and collision coverage with a deductible. Full coverage car insurance protects you from unexpected events on the road. with a deductible.
Calculate the cost of car insurance in Michigan
A policy that is perfect for someone living in one ZIP code might be expensive for a driver living in another.
Different areas pose more or less risk based on crime rate, traffic, car thefts and population density. Insurance companies research each area’s risks and then use that information to determine what they can charge for 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 ( Full - 100/300/100)
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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, Maserati, BMW, Porsche and Audi are some of the most expensive cars to insure. Subaru, Hyundai, Honda and Mazda are among the cheapest cars to insure.
See how much you’ll pay for car insurance for your specific 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.
Car insurance companies know teen drivers are less experienced and riskier to insure. Michigan drivers aged 30 to 60 have the lowest average auto insurance rates at $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
If your driving record includes a DUI, speeding ticket or an at-fault accident, your rates will increase significantly. A DUI conviction in Michigan can increase your premiums by up to 156% because insurers see you as a risky driver.
Similarly, if you get a speeding ticket in Michigan, you’ll likely see an increase in your car insurance premium by up to 39% upon your policy renewal. Typically, you’ll pay more for three years. However, your rate increase also depends on state laws, your insurance company and your driving record.
Here is how much your car insurance rate increases in Michigan after driving incidents:
- Speeding ticket: Up to 39% increase
- DUI conviction: 156% increase
- At-fault accident (bodily injury and property damage): 44% increase
But even with a traffic ticket, comparison shopping can save you money.
Car insurance cost in Michigan for high-risk drivers
In Michigan, if you’re a high-risk driver, you’ll pay more for car insurance. Factors such as past accidents, speeding tickets, and having a low credit score can increase your insurance costs.
Fortunately, high-risk drivers have several options to lower their insurance premiums. A good first step is to shop around and compare quotes, as each insurance provider has a unique rate structure designed to meet individual needs.
Use this tool to compare prices from different companies and find out which is cheaper for drivers with speeding tickets, DUI convictions or 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.
Begin your search for the top car insurance policy in Michigan by getting quotes from multiple insurance providers and comparing them.
In the table below, see an overview of various car insurance companies in Michigan, along with 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 most expensive city in Michigan, with an average car insurance rate of $3,114 a year. Grand Haven is the cheapest city for Michigan drivers at an average rate of $1,868 annually.
Car insurance rates vary by city in Michigan for several reasons. One of the most significant factors is traffic congestion. Areas with more traffic typically have higher rates of accidents and claims, which leads to higher premiums.
Other factors that can affect rates include the number of uninsured drivers, the cost of repairs and medical bills and the crime rate in the city.
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?
The average cost of a full-coverage car insurance policy in Michigan costs $189 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 | 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.
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 February 2026.
- USAA. “How credit affects insurance premiums.” Accessed February 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.
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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