Average Car Insurance Cost in Michigan (2025)

Michigan drivers pay an average of $217 per month for full-coverage car insurance and $146 per month for liability-only coverage. This makes Michigan one of the most expensive states for car insurance — mostly due to the state’s unique no-fault car insurance laws.1

While reforms in 2019 aimed to reduce these costs, Michigan’s average car insurance rates remain some of the highest in the country.2 But you can still find affordable insurance in the state by comparing quotes.

How much is car insurance in Michigan?

In Michigan, car insurance costs an average of $146 per month, or $1,756 per year, for state-minimum coverage. Full coverage costs $217 per month, or $2,599 per year.

Factors like your ZIP code, driving history, gender, and credit history can affect your actual premium.

Average Michigan car insurance rates by city

The average cost of car insurance in Michigan varies by city due to factors like population density, crime rates, accident frequency, and repair costs.3 For example, residents in densely populated areas like Detroit pay higher rates, while residents in smaller cities like Lansing pay less.

Detroit residents pay an average monthly premium of $309 for liability insurance, while Lansing drivers pay $132 for the same coverage.

Average Michigan car insurance rates by age and gender

Age and gender influence car insurance rates in Michigan. Young drivers — especially teens — pay the highest average annual premiums because they have limited driving experience and are more likely to get into car accidents.

Once you reach your 30s and 40s, car insurance rates tend to decrease as long as you maintain a clean driving record. But rates rise again for older drivers in their 70s and beyond because they’re more likely to get into accidents due to declining health and slower reaction times.4

Gender also affects insurance rates — especially for younger drivers. Male drivers younger than 25 generally pay higher average annual premiums than female drivers. Statistics show that male drivers are more likely to drive under the influence or cause accidents.

Average cost to insure popular vehicles in Michigan

The Ford F-Series, Chevy Equinox, Chevy Silverado, Ford Escape, and Chevy Blazer are some of the most popular vehicles in Michigan, according to Edmunds.

It’s not surprising that these two automakers dominate the top spots since both Chevrolet and Ford have headquarters in Michigan and a large percentage of the population works in the automotive industry.5 Beyond local brand loyalty, these vehicles are good for driving in Michigan’s harsh winter weather.

Below, you’ll see the average monthly car insurance rates for these vehicles in Michigan.

How your driving record affects car insurance rates in Michigan

Your driving record plays a big part in how much you pay for car insurance. Insurance companies consider your driving history to gauge risk. A clean record often leads to lower premiums, while incidents like at-fault accidents, speeding tickets, and driving under the influence (DUI) push your rates higher.

Even minor infractions can lead to higher premiums, so practicing safe driving habits is essential. Wearing your seat belt, avoiding distractions, following the speed limit, and obeying traffic signs and signals are all important safety measures.6

The table below compares average quotes for a sample Michigan driver profile with an incident on their record.

How to lower your insurance costs in Michigan

Car insurance rates can be expensive in Michigan, but you can take steps to lower your premiums: