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 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 are influenced by various factors, including coverage limits, age, location, make/model of your vehicle and your driving history.
- 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.
- 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 plan your budget. Remember, car insurance rates vary widely, depending on the type of car you drive, your driving history and other personal factors.
Average cost of auto insurance in Michigan by coverage level
In Michigan, the cost of car insurance can vary depending on how much coverage you purchase. Michigan drivers need at least the minimum insurance coverage limits of 50/100/10 to legally drive.
Liability-only insurance policies are the most affordable option and provide the minimum coverage required in Michigan. However, they don’t offer much 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.
In the table below, see the car insurance premiums in Michigan for three different coverages.
| 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 coverage in Michigan costs $604 a year but doesn’t provide much protection for drivers. Michigan drivers may purchase additional coverage, such as comprehensive and collision insurance, increase their liability limits and add personal injury coverage or other endorsements for extra 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
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.
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
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.
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, residents in higher-risk neighborhoods in Michigan pay more for premiums than those in lower-risk areas.
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.
Michigan car insurance rates by ZIP Code
For 30 year old Male ( Liability - Minimum)
Estimate car insurance in Michigan by car model
In Michigan, car insurance costs depend on the type of car you drive. If you have a luxury or electric vehicle that’s more expensive to repair, you’ll pay higher insurance rates than someone with a car that’s cheaper to repair.
For example, luxury brands like Maserati, BMW, Porsche and Audi tend to have higher insurance costs. On the other hand, more affordable brands like Subaru, Hyundai, Honda and Mazda typically come with the cheapest insurance cost.
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
Younger drivers and teenagers typically pay more for insurance than older, more experienced drivers. This is because teenagers are more likely to get into car accidents. In fact, teenagers are four times more likely to crash than drivers who are 20 or 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’s a breakdown of how much your car insurance rate goes up in Michigan following 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, comparing quotes can still help you save 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.
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 this tool to determine which company has the best prices for drivers with speeding tickets, DUIs, or at-fault accidents on their driving records.
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
Explore car insurance costs in your neighboring states
Compare car insurance quotes in Michigan
Drivers in Michigan can save hundreds of dollars by shopping around and comparing quotes. While many factors influence the cost of your car insurance, from driving record to the type of car you drive, there are many options to get the coverage you need at a price that works for you.
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 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 premiums differ across cities in Michigan and are influenced by traffic conditions. Cities with heavier traffic often experience more frequent accidents and insurance claims, which results in higher insurance costs.
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.
| 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?
In Michigan, a full coverage car insurance policy with 100/300/100 limits typically costs about $189 per month.
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.
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 March 2025.
- USAA. “How credit affects insurance premiums.” Accessed March 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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