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.
We’ve compiled this detailed guide to help you choose the right car insurance in Michigan. The team at CarInsurance.com has done all the hard work by researching and analyzing insurance prices for different kinds of drivers.
Keep reading to learn how car insurance works in Michigan and how much you need.
- Travelers provides the most affordable annual rates for full coverage car insurance in Michigan, costing $1,355 per year.
- In Michigan, insurance costs differ depending on factors such as coverage limits, age and location, with key factors including the make/model of your vehicle and your driving history
- Minimum liability coverage in Michigan costs $604 annually for limits of 50/100/10, while liability-only coverage costs $645 per year for limits of 50/100/50.
- 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%.
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 help you budget effectively for your coverage. Remember that insurance premiums can differ significantly based on your vehicle’s make and model and your driving history.
Average cost of auto insurance in Michigan by coverage level
Car insurance costs in Michigan can differ based on the coverage limit. To legally drive, Michigan residents must adhere to the minimum liability limits of 50/100/10.
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.
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.
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
Michigan laws mandate that all drivers carry insurance with minimum liability limits of $50,000 for bodily injury liability per person, $100,000 for bodily injury liability per accident and $10,000 for property damage liability.
In Michigan, you can get state minimum car insurance for $604 per year. However, this minimum coverage doesn’t offer enough protection. Drivers can add other types of insurance, such as comprehensive and collision, increase their liability limits and buy personal injury coverage for added protection.
Drivers in Michigan must be aware of the minimum insurance coverage requirements to stay compliant.
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
In Michigan, you can expect to pay around $2,266 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.
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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.
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.
Use our simple tool to see how much you’ll have to pay for car insurance. Just type in your ZIP code, and you’ll get quotes for different coverage options quickly.
Michigan Car Insurance Rates by ZIP Code
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.
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
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 get caught speeding in Michigan, your car insurance rates will increase by 39% when you renew your policy. Typically, you’ll pay the increased premiums for three years. But how much your rates go up can vary depending on the laws in your state, the insurance company you’re with, and your driving history.
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
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.
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 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.
| Company Name | Insurance Rates |
|---|---|
| USAA | $2,206 |
| Auto-Owners | $2,425 |
| Progressive | $2,858 |
| Auto Club Group - ACG (AAA) | $3,709 |
| Geico | $4,110 |
| Travelers | $4,328 |
| State Farm | $4,376 |
Learn more: The 10 most important factors that affect car insurance rates
Average car insurance cost in different states of U.S.
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Our apologies, we cannot display the data due to availability or spelling errors. Please check the spelling and try again. For assistance, reach out us via 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.
Start your search for the best car insurance policy in Michigan by getting quotes from several insurers for comparison.
Below are the details of Michigan car insurance companies and their 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.
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.
| Company Name | Insurance Rates |
|---|---|
| USAA | $1,342 |
| Travelers | $1,382 |
| Geico | $1,494 |
| Progressive | $1,536 |
| Auto-Owners | $1,906 |
| Pioneer State Mutual | $2,317 |
| Auto Club Group - ACG (AAA) | $2,508 |
| Frankenmuth Insurance | $2,610 |
| Michigan Farm Bureau | $2,806 |
| State Farm | $3,248 |
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.
Opting for monthly car insurance payments can be a budget-friendly strategy for some people. It allows for spreading the cost throughout the year, making it easier to manage than a hefty annual payment. This approach provides more flexibility and avoids the burden of a large upfront sum.
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
The ideal car insurance company varies depending on what matters most to you. Some prioritize excellent customer service, even if it costs slightly more. Others focus on finding the cheapest rates. Some drivers also value the convenience of handling everything through a mobile app, while some prefer the personalized touch of a dedicated agent.
It’s really important to figure out what you need and find the best insurance policy for your car without breaking the bank while driving in Michigan.
Resources & Methodology
Sources
- Insurance Institute for Highway Safety. “Teenagers.” Accessed September 2024.
- USAA. “How credit affects insurance premiums.” Accessed September 2024.
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.
Ask the Insurance Expert
Laura Longero
Executive Editor
Laura Longero is an insurance expert and Executive Editor at CarInsurance.com, where she specializes in helping consumers navigate the complexities of the financial and insurance industries. She has 15 years of experience educating people about finance and car insurance. Prior to joining CarInsurance.com, she worked as a reporter and editor at the USA Today Network. Her expertise provides readers with practical guidance, helping them make informed choices about their financial and insurance needs.
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John McCormick
Editorial Director
John is the editorial director for CarInsurance.com, Insurance.com and Insure.com. Before joining QuinStreet, John was a deputy editor at The Wall Street Journal and had been an editor and reporter at a number of other media outlets where he covered insurance, personal finance, and technology.
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Leslie Kasperowicz
Executive Editor
Leslie Kasperowicz is an insurance educator and content creation professional with nearly two decades of experience first directly in the insurance industry at Farmers Insurance and then as a writer, researcher, and educator for insurance shoppers writing for sites like ExpertInsuranceReviews.com and InsuranceHotline.com and managing content, now at CarInsurance.com.
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Nupur Gambhir
Managing Editor
Nupur Gambhir is a content editor and licensed life, health, and disability insurance expert. She has extensive experience bringing brands to life and has built award-nominated campaigns for travel and tech. Her insurance expertise has been featured in Bloomberg News, Forbes Advisor, CNET, Fortune, Slate, Real Simple, Lifehacker, The Financial Gym, and the end-of-life planning service.
Guide to car insurance (with rates) in cities of Michigan