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

The Zebra
Jan. 29, 2019

Auto insurance is expensive in Michigan. The average car insurance rate in Michigan is $2,610 per year — more than the national average by 82.9%.

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 tailored prices from top car insurance companies.


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Average Michigan car insurance costs by:


  1. Age
  2. Gender
  3. Marital status
  4. Credit score
  5. Driving violations
  6. Coverage level

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 more risky.

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


MICHIGAN AUTO INSURANCE RATES BY AGE
AgeAverage Yearly 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

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.




Average Car Insurance Costs by Gender in Michigan

While gender 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.


MICHIGAN AUTO INSURANCE PREMIUMS BY GENDER
GenderAverage Annual Rate
Male$2,492.31
Female$2,549.84

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 $38 each year on car insurance policies. This is less than the national post-nuptial discount of $76.


MICHIGAN CAR INSURANCE PRICES BY MARITAL STATUS
Marital StatusAverage Annual Rate
Single$2,492.31
Married$2,454.59
Divorced$2,492.31
Widowed$2,492.31

Car insurance coverage for divorced drivers in Michigan is the most expensive in the . If you think you're overpaying for your auto insurance policy, consider doing some comparison shopping. You could find a great policy for less!




Average Auto Insurance Costs in Michigan by Credit History

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 $4,203.16 each year on car insurance rates, contrasted with a driver with a poor credit score. Read more about how credit history affects auto insurance outlays:


MICHIGAN CAR INSURANCE RATES BY CREDIT LEVEL
Credit QualityAverage 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

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 Premiums 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 $1,082.89 per year 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 $4,485.01.


MICHIGAN AUTO INSURANCE PRICES AFTER DRIVING OFFENSES
AgeAverage Annual Premium
DWI/DUI$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, 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 LevelAverage 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

If you're facing above-average car insurance costs, consider shopping to get inexpensive coverage that fits your needs.


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