Average Cost of Car Insurance Rates in Michigan (2021)

Browse. Compare. Discover. Let Insurify find the best car insurance deals for you in Michigan.

Enter your zipcode to get started

Facebook following

24,000

Followers

Shopper Approved

4.8 Rating

2,700 Reviews

12 Million

Quotes


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 then 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. Click the button below to get personalized insurance quotes from top providers like Progressive, Allstate and Nationwide.

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 Companies
liberty-mutual
$171/mo
allstate
$291/mo
american-family
$1,139/mo

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.
City
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.

Age
Teens$661
20s$418
30s$345
40s$384
50s$390
60s$350
70s$329
>80s$322

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.

Gender
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 Status
Married$408
Single$381

What Are the Minimum Car Insurance Requirements in Michigan?

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

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 History
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 History
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

Why is car insurance so expensive in Michigan?

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.

Do car insurance rates vary by county in Michigan?

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.

Which providers have the best auto insurance ratings in Michigan?

'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.'

How much do annual auto insurance rates increase in Michigan?

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.

Insurify Rate Comparison Methodology

The car insurance quotes, statistics, and data visualizations on this page are derived from Insurify’s proprietary database of over 4 million car insurance applications from ZIP codes across the United States. Insurify’s data science team performs a comprehensive analysis of the various factors car insurance providers take into account while setting rates to provide readers insight into how car insurance quotes are priced.