Average Car Insurance Cost in Michigan (2025)
Drivers in Michigan pay an average of $178 per month for car insurance.
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Michigan drivers pay an average of $214 per month for full-coverage car insurance and $142 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.
Quick Facts
USAA, Auto-Owners, and Chubb are a few of the cheapest car insurance companies in Michigan.
Dearborn drivers pay the highest average car insurance rates in the state, while Lansing drivers pay the lowest average premiums.
Choosing a higher deductible, maintaining a clean driving record, and taking advantage of discounts can help lower your insurance rates.
How much is car insurance in Michigan?
In Michigan, car insurance costs an average of $142 per month, or $1,704 per year, for state-minimum coverage. Full coverage costs $214 per month, or $2,566 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.
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
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.
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
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.
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
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:
Michigan average car insurance cost FAQs
Buying car insurance in Michigan can be complicated, so you might have questions about costs, minimum coverage, and ways to save. Here are answers to some common questions about auto coverage in Michigan.
Michigan drivers pay average annual premiums of $1,704 for liability insurance and $2,566 for full coverage. Your age, gender, ZIP code, and driving history affect your insurance rate.
Michigan’s cheapest car insurance company is USAA, with an average monthly liability rate of $61. Auto-Owners comes in as the second-cheapest insurer, with an average cost of $61 per month for a liability policy.
Drivers in Michigan pay an average of $142 per month for liability insurance and $214 per month for a full-coverage policy. The overall average cost of coverage in the state is $178 per month.
Auto-Owners Insurance, USAA, and GEICO are some of the best car insurance companies in Michigan. All three companies have the lowest average rates for Michigan drivers. Plus, each earned a high Insurify Quality (IQ) Score, which looks at factors like financial strength, customer satisfaction, customization, and more.
Michigan state law requires all drivers to have the following car insurance coverage:
Personal injury protection (PIP): Michigan drivers can choose from several PIP medical coverage options, including unlimited coverage, $500,000, $250,000, $250,000 with PIP medical exclusion(s), or $50,000. Certain people can opt out.
Property protection insurance (PPI): $1 million in PPI pays for damage your vehicle does to the property of others in Michigan (excluding cars in motion but including parked cars).
Residual bodily injury and property damage liability (BI/PD): Drivers must have $20,000 in bodily injury per person, $40,000 in bodily injury per accident, and $10,000 in property damage liability. This PD applies only outside of Michigan.
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