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How much does car insurance cost in Michigan?

The cost of car insurance is dependant upon many factors, including :

  • Driving records: Maintaining a good driving record will generally lower your rates.
  • Annual mileage: Insurers often assume the less time on the road, the fewer accidents you may be at risk for.
  • Location: High crime areas could mean a greater chance for vandalism or car theft, which may be reflected in your premiums.
  • Age: Older drivers are generally more experienced and less likely to have accidents than teen and young adult drivers.

cable car insurance companies in Michigan are not allowed to consider your credit mark or gender when calculating your premium.

Michigan car insurance rates by company

Michigan has a bombastic phone number of license drivers and, as a result, many options for residents to choose a good car insurance policy. Because Michigan is one of the costliest states to purchase car insurance, it could pay to shop cautiously and take advantage of all available discounts. The following table lists average 2021 rates as provided by Quadrant Information Services :

Car insurance company Average annual premium for minimum coverage Average annual premium for full coverage
AAA $893 $2,221
Allstate $1,301 $2,726
Auto-Owners $827 $1,982
Chubb $363 $1,639
Donegal $606 $1,690
Farmers $2,237 $4,471
Frankenmuth $632 $1,921
Geico $724 $1,467
Grange $1,749 $2,465
Hastings Mutual $843 $1,623
MetLife $532 $1,668
Pioneer State $927 $1,975
Progressive $683 $1,394
Secura $115 $826
State Farm $2,103 $3,856
The Hanover $1,511 $4,493
Travelers $101 $1,470
USAA $482 $1,255
Westfield $115 $2,337
Wolverine Mutual $203 $1,082

Michigan car insurance rates by city

The average annual premium for wide car indemnity coverage in Michigan is $ 2,309. Residents of big metropolitan areas typically pay higher rates for car indemnity. In fact, Michigan residents in Detroit and Dearborn pay high rates .

City Average annual premium for full coverage % difference from state average annual premium
Detroit $5,046 121%
Grand Rapids $2,021 -14%
Warren $3,346 56%
Sterling Heights $2,935 39%
Lansing $2,092 -7%
Ann Arbor $2,003 -12%
Flint $2,995 32%
Dearborn $4,083 84%
Livonia $2,534 12%
Westland $2,898 33%
Troy $2,628 17%
Farmington Hills $2,504 12%
Kalamazoo $1,973 -14%
Saginaw $2,253 4%
Wyoming $1,948 -16%
Southfield $3,550 57%
Rochester Hills $2,389 8%
Taylor $3,101 47%
St. Clair Shores $2,737 27%
Pontiac $3,202 42%

Cost of living in Michigan and car insurance

When shopping for the best car policy rates in Michigan, it ’ south important to factor in your other expenses so that you ’ re looking at your full be costs. The graph below shows the average annual monetary value of living in Michigan, including the average cost of car indemnity. Use this graph as a usher to help determine your overall expenses so that you can decide what insurance rates fit in your budget .

Michigan car insurance rates by age

Rates vary well depending on a driver ’ south age. Twenty-year-olds give among the highest rates but may still able to purchase low-cost policies with careful research and by taking advantage of numerous discounts. *16-year-old and 17-year-old calculated on parent ’ mho policy disclosure

Michigan car insurance rates by driving record

The table below reveals how well a serious driving misdemeanor might impact rates .

Driving incident Average annual premium in Michigan % increase in average annual premium
Speeding ticket $2,881 24.7%
Accident $3,532 53%
DUI $6,554 183.8%

How to save on car insurance in Michigan

There are a phone number of ways Michigan drivers may be able to get cheap car policy. here are some options you may want to consider :

  • Increase your deductible: Doing this will reduce your premium but result in a lower claim payout. Evaluate your personal needs and risk tolerance by talking to an insurance agent before adjusting your deductible to have better peace of mind.
  • Improve your driving skills: Taking a driver training course can sometimes help you reduce your rates. Even if you do not take a course, avoiding accidents and tickets and maintaining a clean driving record could mean you avoid insurance surcharges.
  • Reduce or eliminate your personal injury protection: Until July 1, 2020, Michigan drivers were required to carry PIP as part of their car insurance policies. On that date Michigan’s No-Fault Insurance Law was amended to permit drivers to eliminate or reduce the amount of PIP coverage provided other health insurance policies applied to cover personal injuries. However, it is important to note that PIP coverage pays for your injuries and the injuries of your passengers in an accident, regardless of who is at fault. Reducing or removing the coverage could mean you will be responsible for out-of-pocket expenses if you or your passengers are injured.

There are many other electric potential car insurance discounts such as bundling home and car coverage, senior discounts and discounts for paying premiums in an annual hunk kernel or by automatic rifle discount from a savings bank or credit card history. Ask what discounts carriers you are concerned in might offer .

Michigan car insurance requirements

Michigan law establishes respective minimum requirements for no-fault coverage that must be included in car policy policies :

  • Personal Injury Protection (PIP): As noted above, starting on July 1, 2020, drivers are now able to reduce or eliminate this coverage under certain conditions.
  • Property Protection (PPI): Policies need to cover $1,000,000 to pay for damage your vehicle does to other people’s property.
  • Residual bodily injury and property damage liability (BI/PD): BI/PD covers damages you are responsible for from a car accident in which someone was killed or seriously injured. Michigan requires 50/100/50 liability limits.

While the determination of the minimum car insurance requirements above are to assure certain protections for Michigan drivers, it does not always follow that these coverages are sufficient to meet your needs. An indemnity agent can discuss the proper limits for you and your syndicate .

Frequently asked questions

How can I lower my car insurance in Michigan?

There are many discounts available for car policy in Michigan and each insurance company offers a different software of discounts. Be indisputable to obtain several quotes and ask about all available discounts. It may be a full estimate to set regular times to review your current policy with your agent to see if new discounts have become available or a switch in your circumstances qualifies you for others .

Why is car insurance so expensive in Detroit?

As one of the most expensive cities in the area to buy car insurance, Detroit drivers maysee some stand-in from the changes to Michigan ’ s police permitting drivers to reduce or eliminate PIP coverage under certain circumstances. The fact remains however that Detroit ’ s high crime rate and still remaining fallout from the city ’ s previous bankruptcy make the city a bad area for insurers .


Bankrate utilizes Quadrant Information Services to analyze 2022 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Quoted rates are based on a male and female driver with a thoroughly credit and the following wax coverage limits :

  • $100,000 bodily injury liability per person
  • $300,000 bodily injury liability per accident
  • $50,000 property damage liability per accident
  • $100,000 uninsured motorist bodily injury per person
  • $300,000 uninsured motorist bodily injury per accident
  • $500 collision deductible
  • $500 comprehensive deductible

To determine minimum coverage limits, Bankrate used minimum coverages that meet each state ’ south requirements. Our basal visibility drivers own a 2019 Toyota Camry, permute five days a week and drive 12,000 miles annually. Driving record rates were calculated by evaluating our base profile with the pursuit incidents applied : blank record ( base ), at-fault accident, one speed ticket, individual DUI conviction and lapse in coverage. Age rates were calculated by evaluating our base profile with the ages 18-60 ( establish : 40 years ) applied .

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