The average driver in Michigan pays about $1,572 a year for full coverage — about 9% more than the US average of $1,438. That ranks Michigan #12 of 51 states (mid-pack). The car you drive then shifts it: a cheap-to-insure model can land near $755, a high-loss one well over $11,576.
Michigan insurance cost by coverage
Average Michigan premium split by coverage type — liability is required, full coverage adds collision + comprehensive.
Minimum car insurance required in Michigan
Michigan legally requires at least 50/100/10 in liability coverage — $50,000 bodily injury per person, $100,000 per accident, and $10,000 property damage. PIP is required. These are legal minimums — most drivers carry more to fully protect themselves. Buying used here? Check the car first — look it up by its Michigan license plate.
Minimum coverage is the cheapest to buy, but it may not cover a serious crash — full coverage adds collision and comprehensive for your own car.
Cheapest cars to insure in Michigan
Estimated annual premium in Michigan, cheapest first — state average × each car's real HLDI loss index. See the full cheapest cars to insure nationally.
Know what a car really costs to insure and own.
- Your personalized rate by coverage, age and deductible
- Insurance folded into the 5-year cost to own
- Full breakdown: what each coverage actually costs
- Compare insurance across cars, side by side
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Most expensive cars to insure in Michigan
The priciest cars to insure in Michigan — powerful, theft-prone and costly to repair. See the most expensive cars to insure nationally.
Michigan insurance cost by year
Michigan premiums are up about -3% since 2019. Average Michigan premium by year:
| Year | Michigan avg / yr |
|---|---|
| 2023 | |
| 2022 | |
| 2021 | |
| 2020 | |
| 2019 |
Car insurance cost in Michigan's largest cities
Rates vary within Michigan by city and ZIP — dense metros like Detroit run above the state average, while smaller towns run below. Estimated typical premium in Michigan's biggest cities:
| City | Est. typical / yr | vs state avg |
|---|---|---|
| Detroit | $1,729/yr | +10% urban |
| Grand Rapids | $1,682/yr | +7% urban |
| Warren | $1,651/yr | +5% urban |
| Sterling Heights | $1,635/yr | +4% urban |
| Ann Arbor | $1,603/yr | +2% urban |
| Lansing | $1,588/yr | ≈ state avg |
| Flint | $1,572/yr | ≈ state avg |
City figures are estimates — urban areas trend above the state average; your exact rate depends on your ZIP, car and record. Use the calculator above for your specific car.
Michigan car insurance — frequently asked
How much is car insurance in Michigan?
The average is about $1,572/yr ($131/mo) for full coverage — 9% above the US average. Your exact rate depends on your car, age and record.
What is the minimum car insurance required in Michigan?
Michigan requires at least 50/100/10 liability — $50,000 bodily injury per person, $100,000 per accident and $10,000 property damage, plus PIP.
Is car insurance expensive in Michigan?
Michigan ranks #12 of 51 states (mid-pack). At $1,572/yr it is above the national average of $1,438.
What is the cheapest car to insure in Michigan?
On our data, low-loss models like the Chevrolet Express are cheapest to insure in Michigan — around $755/yr.
How much is car insurance per month in Michigan?
About $131/month for a typical car with full coverage — less for cheap-to-insure models, more for high-performance ones.