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Auto insurance is expensive in Michigan. The average car insurance rate in Michigan is $2,610 per year — 82 percent more expensive than the national average.

Your car insurance costs are impacted by more than just the state in which you live. Car insurance premiums consider an array of considerations, including your driving record, credit history, gender, age, and marital status.

We reviewed average Michigan car insurance rates by each of the most common rating factors.

See below how much car insurance costs in your state — or enter your ZIP code to receive customized quotes from popular car insurance companies.


Average Auto Insurance Rates in Michigan by Age

It's impossible to avoid: as you grow older, your car insurance rates shift. As a general rule, car insurance is pricier for young drivers and teens, as car insurance companies view inexperienced drivers as riskier.

In Michigan, car coverage costs $10,300 annually for a 16-year-old driver, but just $2,296 per year for a driver in their 50s.

If you're facing the frightful prospect of getting insurance for a teen driver, consider this: Michigan is the 3rd-most-expensive state in which to buy car insurance for a 16-year-old.

Michigan auto insurance rates by age
Age Average Yearly Premium
16 $10,300
17 $8,186
18 $7,387
19 $5,294
20s $3,194
30s $2,496
40s $2,454
50s $2,295
60s $2,339
70s $2,727

Average car insurance rates for men and women

While sex doesn’t have as sizable an impact on auto insurance rates as state or age, it is used as a rating factor by car insurance companies.

If you think you might not be getting the best value for your money with your current car insurance company, the best thing to do is to do some comparison shopping.

MICHIGAN AUTO INSURANCE PREMIUMS BY GENDER

Gender Average Annual Rate
Male $2,492.31
Female $2,549.84

Average auto insurance rates in Michigan by marital status

One benefit of getting hitched — aside from the wedding gifts — is the price cut you typically receive on insurance. In Michigan, married motorists save $3 per month on car insurance policies. This is less than the national average post-nuptial discount of $6 per month.

 

MICHIGAN INSURANCE RATES BY MARITAL STATUS
Marital Status Average Annual Rate
Single $2,492
Married $2,454
Divorced $2,492
Widowed $2,492

Car insurance coverage for divorced drivers in Michigan is the most expensive in the nation.


Average auto insurance costs in Michigan by credit score

Car insurance companies reference credit history as a way of determining a potential customer's insurability. Historical data show drivers with superior credit are usually more reliable auto insurance customers: they less commonly file claims insurance companies have to reimburse.

In the state of Michigan, a driver who carries excellent credit saves $350 each month on car insurance rates versus a driver with a poor credit score. Read more about how credit history affects auto insurance prices:

Michigan Car Insurance Costs by Credit Tier.png
 
Finding cheap auto insurance coverage with bad credit is sometimes hard. But we're here to assist. Read our tips on getting car insurance with bad credit and save!

Average auto insurance rates for high-risk drivers in Michigan

If you've been discovered to be at fault for an accident or convicted of a vehicular violation, your insurance costs are going to rise. The more red flags you accumulate, the more expensive your auto insurance gets.

In Michigan, your first minor at-fault crash results in a penalty of $90 per month in auto insurance premiums. A DUI — thought of as one of the most serious driving offenses — could raise your insurance rates in Michigan by as much as $373 per month.

 

MICHIGAN AUTO INSURANCE PREMIUMS AFTER TICKETS
Violation Average Annual Premium
DWI/DUI $7,095
Reckless Driving $6,875
At-Fault Accident (<$1,000) $3,693
At-Fault Accident ($1,000-$2,000) $3,877
At-Fault Accident (>$2,000) $3,693
Open Container $4,599
Speeding (21-25 MPH > limit) $4,278
Speeding (16-20 MPH > limit) $4,278

If your premiums are above-average, think about comparing options to discover reasonably priced insurance coverage that meets state regulations.


Average Car Insurance Prices by Coverage Level in Michigan

The amount you're charged each month for car insurance is dependent on the tier of coverage you maintain. Liability-only coverage typically is less costly, while low-deductible comprehensive coverage costs more. In Michigan, the rate differential between liability-only coverage and full coverage with a $500 deductible is $903.

 

MICHIGAN AUTO INSURANCE PREMIUMS BY COVERAGE LEVEL
Coverage Level Average Yearly Rate
$100K/$300K/$100K Bodily Injury/Property Damage — Liability Only $1,488
$100K/$300K/$100K Bodily Injury/Property Damage — $1,000 Comprehensive/Collision $2,228
$100K/$300K/$100K Bodily Injury/Property Damage — $500 Comprehensive/Collision $2,392
$50K/$100K/$50K Bodily Injury/Property Damage — Liability Only $1,432
$50K/$100K/$50K Bodily Injury/Property Damage — $1,000 Comprehensive/Collision $2,172
$50K/$100K/$50K Bodily Injury/Property Damage — $500 Comprehensive/Collision $2,336
State Minimum — Liability Only $1,368
State Minimum — $1,000 Comprehensive/Collision $2,107
State Minimum — $500 Comprehensive/Collision $2,271

 


Protect your car with the right coverage at the best value.

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Ross Martin
Ross MartinManager, Content Quality

As a licensed insurance agent, Ross researches and writes insurance content intended to help users make informed decisions.

Ross's background is in writing and education. He holds a master's degree from Royal Holloway, University of London.

Ross's work has been cited by The New York Times, Investopedia, The Simple DollarThe BalanceCar and Driver and Fox Business. He has been quoted by CNET, I Drive Safely and Kin Insurance

About The Zebra

The Zebra is not an insurance company. We publish data-backed, expert-reviewed resources to help consumers make more informed insurance decisions.

  • The Zebra’s insurance content is written and reviewed for accuracy by licensed insurance agents.

  • The Zebra’s insurance content is not subject to review or alteration by insurance companies or partners.

  • The Zebra’s editorial team operates independently of the company’s partnerships and commercialization interests, publishing unbiased information for consumer benefit.

  • The auto insurance rates published on The Zebra’s pages are based on a comprehensive analysis of car insurance pricing data, evaluating more than 83 million insurance rates from across the United States.