On average, drivers pay $389 per month for car insurance in Michigan, according to 2021 rates.
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Michigan's interstates, highways, and state routes offer glances at all four great lakes, forested hills in the Upper Peninsula, and the mostly flat landscape of the "mitten." Drivers can almost forget about the Great Lakes State's beauty because cold commutes to work or school steal all the attention.
Over 9.9 million people live in Michigan, and more than half of the population lives in the Greater Detroit metro. There's plenty of traffic to go around, but even the state's rural parts catch the commotion. Ironically, the state famed for its auto industry has the highest average car insurance prices in the country.
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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.
| Age | Avg. Monthly Rate |
|---|---|
| Teens | $661 |
| 20s | $418 |
| 30s | $345 |
| 40s | $384 |
| 50s | $390 |
| 60s | $350 |
| 70s | $329 |
| >80s | $322 |
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.
| Gender | Avg. Monthly Rate |
|---|---|
| Male | $393 |
| Female | $386 |
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 Status | Avg. Monthly Rate |
|---|---|
| Married | $408 |
| Single | $381 |
Michigan is a no-fault state, which means drivers file with their own insurance carrier after an accident. State law requires $20,000 in bodily injury liability per person and $40,000 per accident and $10,000 in property damage liability per accident. You must also select your personal injury protection (PIP) option, from unlimited to none (medical insurance required for none). To protect your vehicle itself, you'd need comprehensive and collision coverage.
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 History | Avg. Monthly Rate |
|---|---|
| Poor | $360 |
| Average | $380 |
| Good | $386 |
| Excellent | $333 |
"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 History | Avg. Monthly Rate |
|---|---|
| No Violation | $387 |
| At-Fault Accident | $436 |
| Speeding | $400 |
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.
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.
