4.8out of 3,000+ reviews

Michigan Average Cost of Car Insurance Rates (2022)

Secure. Free. Easy-to-use.
auto insurance

Why you can trust Insurify

Insurify partners with top insurance companies and is a licensed agent in all 50 states. However, the insurance experts writing our content operate independently of our partners. Check out reviews from over 3,000 satisfied customers, how we make money, our data methodology, and our editorial standards.
Courtney Roy

By: Courtney Roy

Edited by John Leach | Reviewed by licensed insurance agent, Stephen DeFord

Last Updated March 9, 2022

Why you can trust Insurify

Insurify partners with top insurance companies and is a licensed agent in all 50 states. However, the insurance experts writing our content operate independently of our partners. Check out reviews from over 3,000 satisfied customers, how we make money, our data methodology, and our editorial standards.

How Much Does Car Insurance Cost In Michigan?

On average, car insurance rates for drivers in Michigan are $389 per month, and $4673 per year. The average rates make Michigan the most expensive state in the country for car insurance rates and 43% more expensive than the national average.

Keep in mind that average auto insurance costs are determined by factors other than location. Based on your driving history, credit score, age and marital status you should be able to find insurance quotes and discounts so that your monthly payment is less than the averages cited here.

0.1%2.3%15.9%50%84.1%97.7%99.9%Average cost: $38950%

Insurify's comparison tool will help you make sure you're getting the best possible quote based on your needs and location. You can have peace of mind you're not paying any more than the average price in your state, and customers save $48 per month on average.

Best Michigan Auto Insurance Rates

Insurify analyzed car insurance rates in the twenty most populous cities in Michigan and has selected the following providers and quotes as the best rates for drivers in Michigan.

Cheapest CompaniesQuotes
Liberty Mutual$171
Allstate$291
American Family$1,139

Michigan Car Insurance Rates by City

For drivers in Michigan, it's important that you evaluate all of your potential insurance options to ensure you are finding the best rate. Based on internal Insurify data, here are the average cost of car insurance rates for drivers in the top 10 cities in Michigan.

CityAvg. Monthly Rate
Ann Arbor$321
Dearborn$586
Detroit$702
Flint$423
Grand Rapids$337
Kalamazoo$326
Lansing$312
Sterling Heights$524
Warren$570
Ypsilanti$399

What Is the Average Cost of Car Insurance in Michigan by Age?

Michigan teens would have to make some pretty serious part-time cash to afford the average cost of car insurance for their age group in the state––$661 a month. Young adults fare a little better, but still see a high average cost of $418.

People in their 30s catch a break, but then it shoots back up to the state average. Even those at retirement age pay a significant amount compared to other states. The octogenarians get the lowest price, at over $60 off the average monthly cost for all drivers in the state.

AgeAvg. Monthly Rate
Teens$661
20s$418
30s$345
40s$384
50s$390
60s$350
70s$329
>80s$322

Compare Car Insurance Quotes Instantly

  • Personalized quotes in 5 minutes or less
  • No signup required

What Is the Average Cost of Car Insurance in Michigan by Gender?

Men pay two percent more than women in Michigan for car insurance premiums. That’s because women tend to be statistically safer drivers. But the average cost of car insurance in Michigan remains very high compared to other states regardless of gender.

GenderAvg. Monthly Rate
Male$393
Female$386

Does Marital Status Influence the Average Cost of Car Insurance in Michigan?

Michigan is one of seven states where married people pay more than singles for their car insurance. With a jump of over $300 a year, couples might feel like they can't catch a break.

Typically, married couples are considered less risky to insure than their single counterparts and see lower average car insurance costs. That means that other factors in Michigan may be playing a role, like married Michigan couples buying bigger or more expensive vehicles to accommodate growing families.

Marital StatusAvg. Monthly Rate
Married$408
Single$381

Minimum Car Insurance Requirements in Michigan

All motor vehicles operated or parked on Michigan roadways are required to be insured. Proof of insurance must be carried in your car at all times and must be available when:

  • Requested by law enforcement
  • Renewing vehicle registration
  • The vehicle is involved in a car accident

Michigan’s unique No Fault insurance program includes multiple levels of protection available depending on residents’ Medicare or Medicaid status and the insurance status of relatives.

The minimum required insurance levels for Michigan[1] are:

  • $50,000 per accident for PIP

Personal injury protection coverage, also referred to as PIP coverage, will cover the policyholder for medical payments they incur in the event of an accident. Depending on your plan, you may also receive non-medical benefits, compensating you for lost wages, household expenses, and even funeral costs.

  • $1,000,000 per accident for PPI

Property protection insurance, referred to as PPI coverage, is a type of coverage unique to Michigan. It acts similarly to traditional property damage insurance, but only applies to property damaged in accidents that occur within the state of Michigan.

The minimum liability insurance requirements for private passenger vehicles in Michigan are:

  • $250,000 per person for bodily injury
  • $500,000 per accident for bodily injury

As a major part of your liability insurance, bodily injury coverage covers medical bills for people other than the policyholder who are injured during an accident. Michigan is a no-fault state, meaning both parties’ insurance providers will pay for expenses, regardless of which party caused the accident.

  • $10,000 per accident for property damage

If it’s determined that an insured driver is at fault for an accident, this coverage pays for repairs to the property of the other involved parties. Additionally, property damage coverage can cover legal costs if the insured driver is involved in a lawsuit following the accident. In Michigan, this coverage only applies to out-of-state accidents.

How Does Credit History Affect Michigan Car Insurance Rates?

Michigan is one of few states that prohibits car insurance companies from using your credit score to set your rate. That said, when we looked at our database credit scores, we still saw differences.

People with average and good credit paid most of all. Why? People with better credit tend to have more expensive cars and higher levels of coverage. Those with excellent credit raked in the most savings, paying $50 less per month than the state average monthly cost.

Credit HistoryAvg. Monthly Rate
Poor$360
Average$380
Good$386
Excellent$333

What Is the Average Cost of Car Insurance in Michigan for High-Risk Drivers?

"Safety first" is not just a mantra that saves lives. It also saves money. Common sense tells us that the safest drivers will pay the least, and safe drivers qualify for "good driver" and "accident-free" discounts. But what if your record is less than perfect?

Drivers with a speeding ticket in Michigan will pay $13 more per month on average—plus fines. Drivers with an at-fault accident on their insurance record should expect to see monthly rates increase by around $49. Accidents happen, but driving safely and keeping a clean record are the best ways to avoid rate hikes. Remember, violations and accidents will stay on your insurance history for years to come. Still, you can still take a defensive driver course to reduce your monthly payment.

Driving HistoryAvg. Monthly Rate
No Violation$387
At-Fault Accident$436
Speeding$400

Tips for Researching Michigan Car Insurance Rates

Michigan's insurance prices and policies changed based on your location, company, and car. The Great Lakes State population inches up every year, crowding already dense urban areas. Will insurance prices also increase?
When your state has the costliest insurance in the country, you need every bit of help you can get to stay within your budget. Try Insurify ’s comparison tool to generate 10+ real quotes and unlock savings and discounts. In less than two minutes, find the coverage you deserve at a price you can afford.

Top Auto Insurance Companies

Compare Top Auto Insurance Companies

Use Insurify for all of your car insurance comparison needs! Compare and connect directly with the top insurance companies to find the best rates as well as the most personalized discounts and coverage options. Insurify’s network includes over 200 insurance companies throughout the U.S. who can work with you to get you the right auto insurance policy at the cheapest price. See All Auto Insurance Companies

FAQs - Michigan Car Insurance

  • There are many different factors that go into the how expensive your car insurance is. That said, some of the reasons why you could be paying so much for your insurance include: living in a state with high minimum insurance requirements, being a young or new driver, committing past traffic offenses like at-fault accidents or DUIs, and having a low credit score.

  • Auto insurance costs will vary between locations and insurance carriers, depending on the county Michigan. Insurify analyzed the latest data for the five most populous cities in Michigan to find you the cheapest quotes in each of these metropolitan areas.

  • The way to find the carrier with the best auto insurance ratings in Michigan and save on your insurance premiums is to compare quotes from all companies in your area. Use a car insurance quotes comparison site like Insurify to compare up to 10+ real quotes for your specific driver profile and unlock savings and discounts. Rates can fluctuate greatly based on whether you're a safe driver or a high risk one, but you should never overpay. Insurify provides the cheapest car insurance quotes and companies in your area in just a few seconds.

  • During the past three years in the United States, national premium costs have risen an average of 4.5 percent annually. In states where quotes have risen, this figure has been 7.8 percent; and in those where rates have fallen, prices have decreased by approximately 6.0 percent. Individual rates by state will of course vary depending on the driver’s history and a multitude of factors.

Compare Car Insurance Quotes Instantly

  • Personalized quotes in 5 minutes or less
  • No signup required

Methodology

The car insurance quotes displayed are based on an analysis of Insurify’s database of over 40 million quotes from 500 ZIP codes nationwide. To obtain representative rates, Insurify’s data science team performs frequent comprehensive analyses of the factors car insurance providers weigh to calculate rates including driver demographics, driving record, credit score, desired coverage level, and more.

Insurify’s analysis also incorporates the Insurify Composite Score (ICS) assigned to each insurance provider. The ICS is a proprietary rating that weighs multiple factors reflecting the quality, reliability, and health of an insurance company. Ratings used to calculate the ICS include Financial Strength Ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings; Consumer Reports customer satisfaction surveys and customer complaints; mobile app reviews; and user-generated company reviews. 

With the above insights and ranking methods, Insurify is able to offer car insurance shoppers insight into how various insurance providers compare to one another in terms of both cost and quality. Note, actual quotes will vary based on unique attributes including the policyholder’s driver history and their garaging address.

Courtney Roy
Courtney Roy

Content Writer at Insurify

Courtney Roy is a financial and technology writer. He creates content that makes an actionable difference in the lives of his readers by helping them understand matters of personal finance. In addition to years of experience across multiple industries, Courtney has insurance licenses, a real estate license, and a degree in electrical engineering.

Learn More

Sources

  1. Michigan Department of Insurance and Financial Serices. "State Minimum Car Insurance Requirements." Accessed May 28, 2022