What is the Average Cost of Auto Insurance in Michigan?
The average cost for car insurance in Michigan is $1,619. Average costs range from $450 with SECURA Insurance to $2,788 with Hanover.
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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.
|Age||Average Yearly Premium|
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.
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.
|Marital Status||Average Annual Rate|
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:
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.
|Violation||Average Annual Premium|
|At-Fault Accident (<$1,000)||$3,693|
|At-Fault Accident ($1,000-$2,000)||$3,877|
|At-Fault Accident (>$2,000)||$3,693|
|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.
|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.
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.