What's the Average Cost of Car Insurance in Michigan?

The Zebra
Oct. 11, 2018

Car insurance policies are expensive in Michigan. The average auto insurance cost in Michigan is $2,610 per year — more than the national average by 82.9%.

But car insurance prices are dictated by factors aside from the state in which you live. Car insurance rates price based on a number of details, including a motorist's age, gender, marital status, credit, and driving history.

We examined average Michigan car insurance premiums by each of the major rating components. See below how much auto insurance costs in your state — or submit your zip to see personalized quotes from leading car insurers.


Mean Car Insurance Expenditure in Michigan by Age

It's a common phenomenon: as you grow older, your auto insurance expenditures change. As a general rule, car insurance is pricier for young drivers and teens, as insurers view newer drivers as more risky.

In Michigan, auto insurance costs $10,300 per year for a 16-year-old driver, compared to $2,296 per year for a driver in his or her 50s.


MICHIGAN AUTO INSURANCE RATES BY AGE BRACKET
Age Average Annual Premium
16 $10,300.30
17 $8,186.70
18 $7,387.85
19 $5,294.84
20s $3,194.69
30s $2,496.59
40s $2,454.45
50s $2,295.99
60s $2,339.60
70s $2,727.55



Mean Car Insurance Rates in Michigan by Gender

While gender doesn’t have as large an impact on car insurance premiums as location or age, it is utilized as a rating factor. Men pay less than do women for car insurance in Michigan, but the difference is just $57.53 annually.

MICHIGAN AUTO INSURANCE PRICES FOR MEN AND WOMEN
Gender Average Yearly Rate
Male $2,492.31
Female $2,549.84



Average Auto Insurance Rates in Michigan by Marital Status

One benefit of wedlock — aside from the wedding gifts — is the improved deal you may get on your car insurance policy. In Michigan, married drivers save $38 annually on car insurance. This is a smaller discount than the national average of $76.


MICHIGAN CAR INSURANCE COSTS BY MARITAL STATUS
Marital Status Average Annual Rate
Single $2,492.31
Married $2,454.59
Divorced $2,492.31
Widowed $2,492.31



Average Auto Insurance Rates in Michigan by Credit

Car insurance companies use credit history to gauge how reliable a client will be. Historical trends indicate drivers with excellent credit are usually more dependable auto insurance clients: they are less likely to file claims that cost auto insurance companies money.

In Michigan, a driver who has exceptional credit can save $4,203.16 annually in insurance payments, compared with a driver who has a bad credit score. Read more about how credit history can affect car insurance premiums:


MICHIGAN CAR INSURANCE EXPENDITURES BY CREDIT LEVEL
Credit Quality Average Annual Rate
Very Poor (300-579) $6,300.32
Fair (580-669) $4,574.22
Good (670-739) $3,572.72
Very Good (740-799) $2,712.51
Exceptional (800-850) $2,097.16



Average Auto Insurance Costs for Bad Drivers in Michigan

If you’re defined as at fault after an accident or convicted of a vehicular infraction, your insurance premiums are bound to grow. The more violations you accumulate, the more costly your car insurance becomes.

In Michigan, your first minor at-fault accident leads to a penalty of $1,082.89 annually in auto insurance payments. A DUI — considered one of the most grievous vehicular violations — will lift your yearly insurance rates in Michigan by as much as $4,485.01.


MICHIGAN AUTO INSURANCE PREMIUMS AFTER VIOLATIONS
Age Average Annual Premium
DUI/DWI $7,095.50
Reckless Driving $6,875.62
At-Fault Accident (<$1,000) $3,693.38
At-Fault Accident ($1,000-$2,000) $3,877.33
At-Fault Accident (>$2,000) $3,693.38
Open Container $4,599.17
Speeding (21-25 MPH > limit) $4,278.69
Speeding (16-20 MPH > limit) $4,278.69

If your premiums are above-average, it's worth policy shopping to get reasonably priced insurance coverage that fits your needs.


Shop Michigan car insurance today!

Don't forget to share!