Average Car Insurance Cost in Michigan (2025)
Drivers in Michigan pay an average of $205 per month for car insurance.
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Written byJanet Berry-Johnson
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8+ years writing about insurance, taxes, and personal finance
Certified public accountant
Janet applies her experience in personal finance, taxes, and accounting to make complex financial topics accessible. Her byline has appeared on numerous web media.
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Edited byLequita Westbrooks
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Lequita Westbrooks is a Senior Editor at Insurify. With extensive experience in writing and editing across industries like insurance, personal finance, higher education, and more, she’s passionate about helping readers understand complex topics so they can make informed financial decisions and save money.
Outside of work, Lequita enjoys reading and spending time with her family (and two pups: Bella and Simba).
She holds a bachelor’s degree in English from the University of South Florida.
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Table of contents
Michigan drivers pay an average of $242 per month for full-coverage car insurance and $168 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
Auto-Owners, USAA, 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 $168 per month, or $2,011 per year, for state-minimum coverage. Full coverage costs $242 per month, or $2,899 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 $313 for liability insurance, while Lansing drivers pay $133 for the same coverage.
The below rates are estimated rates current as of: Tuesday, July 1 at 12:00 PM PDT.
City  | Average Monthly Liability-Only Quote | Average Monthly Full-Coverage Quote |
|---|---|---|
| Grand Rapids | $124 | $209 |
| Lansing | $133 | $211 |
| Ann Arbor | $139 | $212 |
| Kalamazoo | $145 | $225 |
| Flint | $163 | $255 |
| Rochester | $170 | $241 |
| Warren | $227 | $341 |
| Dearborn | $299 | $372 |
| Detroit | $313 | $420 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
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Car Insurance Requirements in Michigan
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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.
Age | Average Monthly Liability-Only Quote | Average Monthly Full-Coverage Quote |
|---|---|---|
| 16 | $283 | $490 |
| 18 | $246 | $426 |
| 20 | $194 | $337 |
| 25 | $183 | $316 |
| 30 | $171 | $295 |
| 40 | $166 | $287 |
| 50 | $161 | $279 |
| 60 | $156 | $270 |
| 70+ | $177 | $306 |
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.
Age | Average Monthly Liability-Only Quote | Average Monthly Full-Coverage Quote |
|---|---|---|
| 16 | $264 | $457 |
| 18 | $230 | $398 |
| 20 | $181 | $314 |
| 25 | $170 | $296 |
| 30 | $159 | $275 |
| 40 | $155 | $268 |
| 50 | $150 | $260 |
| 60 | $146 | $252 |
| 70+ | $165 | $285 |
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.
Vehicle | Average Monthly Quote |
|---|---|
| Ford F-Series | $285 |
| Chevrolet Equinox | $269 |
| Chevrolet Silverado | $303 |
| Ford Escape | $251 |
| Chevrolet Blazer | $318 |
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.
Driver Record | Average Monthly Quote | % Increase Compared to Good Drivers |
|---|---|---|
| With accident | $289 | 25% |
| With speeding ticket | $271 | 17% |
| With DUI | $335 | 44% |
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.
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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:
Compare quotes
Rates vary from company to company, so shopping around and comparing quotes from multiple companies before buying an insurance policy can help you find the best deal.
Choose a higher deductible
Increasing your deductible can lower your car insurance premiums. Raising your deductible from $200 to $1,000 can save you 40% or more, according to the Insurance Information Institute. Just make sure you can afford the out-of-pocket costs if you need to file a claim.
Take advantage of discounts
Most insurance companies offer discounts for bundling home and auto policies, maintaining a good driving record, completing defensive driving courses, or even for students who get good grades.
Consider usage-based or pay-per-mile insurance
Some insurance companies have programs that adjust your rates based on your driving habits. If you don’t drive often, these programs may help you qualify for lower premiums.
Maintain a clean driving record
Follow the rules of the road to avoid accidents and traffic tickets. This will keep your insurance rates low over time.
Adjust your coverage
If you drive an older, lower-value vehicle, you may not need full coverage. Dropping comprehensive and collision and carrying the minimum coverage required could lower your costs.[7]
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 $2,011 for liability insurance and $2,899 for full coverage. Your age, gender, ZIP code, and driving history affect your insurance rate.
Michigan’s cheapest car insurance company is Auto-Owners, with an average monthly liability rate of $57. USAA comes in as the second-cheapest insurer, with an average cost of $58 per month for a liability policy.
Drivers in Michigan pay an average of $168 per month for liability insurance and $242 per month for a full-coverage policy. The overall average cost of coverage in the state is $205 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.
Methodology
Insurify data scientists analyzed more than 90 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 500+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.
Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).
Liability-only premium averages correspond to policies with the following coverage limits:
- Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
- Property damage limits between $10,000 and $50,000
- No additional coverage
- Comprehensive coverage with a $1,000 deductible
- Collision coverage with a $1,000 deductible
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
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Sources
- Poverty Solutions at the University of Michigan. "AUTO INSURANCE AND ECONOMIC MOBILITY IN MICHIGAN: A CYCLE OF POVERTY."
- Michigan Department of Insurance and Financial Services. "Auto Insurance Reform FAQ."
- III. "What determines the price of an auto insurance policy?."
- International Risk Management Institute, Inc (IRMI). "Auto Risk Management Senior Drivers and Insurance Concerns."
- Bridge Michigan. "By the numbers: How many UAW members in Michigan, how much would strike cost."
- NHTSA. "10 Safe Driving Tips for 2025."
- Michigan Department of Insurance and Financial Services. "Michigan’s Auto Insurance Law Has Changed."
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Janet Berry-Johnson
Janet Berry-Johnson, CPA is a freelance writer with a background in accounting and income tax planning and preparation. She's passionate about making complicated financial topics accessible to readers. She lives in Omaha, Nebraska with her husband and son and their rescue dog, Dexter. Visit her website at www.jberryjohnson.com.
Janet has been a contributor at Insurify since October 2022.
Lequita Westbrooks is a Senior Editor at Insurify. With extensive experience in writing and editing across industries like insurance, personal finance, higher education, and more, she’s passionate about helping readers understand complex topics so they can make informed financial decisions and save money.
Outside of work, Lequita enjoys reading and spending time with her family (and two pups: Bella and Simba).
She holds a bachelor’s degree in English from the University of South Florida.