What Is the Average Car Insurance in Michigan (2024)?
Full coverage car insurance costs an average of $2,400 per year in Michigan—much higher than the national average.
Written by Bonnie Stinson
Edited by Sarah Gray
Full coverage car insurance
for the average Michigan driver costs about $2,400 per year, while drivers who choose state minimum coverage pay an average of $1,200 per year. Michigan
car insurance is far more expensive than the national average. - Michigan drivers pay about $2,400 per year for car insurance.
- Auto insurance rates in Michigan are much, much higher than the national average.
- Young drivers, drivers in major cities, and drivers with violations pay the most for car insurance.
- Comparing insurance rates from multiple insurers is the best way to save on insurance in Michigan.
- Michigan drivers pay about $2,400 per year for car insurance.
- Auto insurance rates in Michigan are much, much higher than the national average.
- Young drivers, drivers in major cities, and drivers with violations pay the most for car insurance.
- Comparing insurance ratesfrom multiple insurers is the best way to save on insurance in Michigan.
Methodology
Jerry's team of data analysts delved into millions of actual car insurance quotes sourced from Michigan auto insurance companies to determine the average cost of car insurance in this state.
The average cost of car insurance in Michigan
Michigan drivers pay an average of $2,318 per year for a full coverage policy and $1,208 for minimum coverage.
Extremely high numbers of uninsured drivers, fraud complaints, and high PIP coverage levels make this
no-fault
state one of the most expensive for car insurance in the nation. For comparison’s sake, the national average rate for full coverage car insurance is $1,682 in 2024.Compare average rates for Michigan drivers
Let’s explore how Michigan vehicle insurance rates shift depending on your age, driving background, and the model of your car. By considering four typical driver profiles, we’ll illustrate the spectrum of average insurance expenses across the Great Lakes state.
The average Michigan driver
The average Michigan driver
An average driver over age 25 with a clean driving record in Michigan pays about:
- $2,272 per year for full coverage
- $1,999 per year for state minimum coverage
Read More
The Michigan teen driver
The Michigan teen driver
An average teen driver in Michigan pays about:
- $4,848 per year for full coverage
- $4,552 per year for state minimum coverage
Read More
Why did my insurance go up in Michigan?
Car insurance premiums are
increasing
in Michigan partially because of changing fees and companies’ eagerness to recoup costs in the face of state coverage guidelines. A recent Court of Appeals decision
is behind the move.Of course, inflation and supply chain issues are also contributing to the increase in car insurance prices. With labor shortages and higher costs for parts nationwide, it’s only natural that companies must raise their rates to cover increased costs.
Specific to Michigan, there are more car accidents here than in other states with
over 1,100 traffic fatalities in 2022 alone
.The result: huge jumps in the cost of coverage. Most companies in Michigan have been forced to raise prices to keep up with the price of repairs and insurance payouts.
Why your rate went up: Your rate may be higher because of economic factors—or your rate could be entirely personal. You might have received a ticket or caused an accident. If you’re uncertain, speak with an agent from your company or request quotes from other companies to see if you’re overpaying needlessly.
How you can navigate the crisis: Use an insurance comparison app like
Jerry
to get personalized quotes from multiple Michigan companies. You can compare prices for minimum coverage and full coverage to find out which company will give you the best Michigan car insurance rate. Enjoy the cheapest car insurance policy
, regardless of inflation. Who pays the most for car insurance in Michigan?
Congratulations are in order if you're above 25 years old, have a spotless driving record, and call a small town or rural area your home—chances are, your Michigan car insurance rates are among the most wallet-friendly.
Conversely, those who fall into the category of young drivers, individuals with infractions on their driving records, and those inhabiting major cities commonly face increased rates for identical car insurance coverage.
Let’s look at how much more you may pay for Michigan car insurance if you’re in one of these categories.
Teen drivers pay the highest rates of any group
| ageGroups | averageAfterJerryAnnualPremium |
|---|---|
| 18-20 | $2,658 |
| 21-24 | $2,426 |
| 25-34 | $2,145 |
| 45-54 | $2,108 |
| 35-44 | $2,066 |
| 65+ | $1,776 |
| 55-64 | $1,748 |
High-risk drivers with DUIs and license suspensions pay higher rates
Violation | Average annual premium |
|---|---|
DWI/DUI | $7,095 (225% increase) |
Reckless Driving | $6,027 (177% increase) |
At-Fault Accident (<$1,000) | $2,679 (23% increase) |
At-Fault Accident ($1,000-$2,000) | $3,110 (43% increase) |
At-Fault Accident (>$2,000) | $3,200 (47% increase) |
Open Container | $4,039 (86% increase) |
Speeding (21-25 MPH > limit) | $3,233 (49% increase) |
Speeding (16-20 MPH > limit) | $3,194 (47% increase) |
Passing a School Bus | $3,091 (42% increase) |
Speeding in a School Zone | $2,839 (30% increase) |
Failure to Yield | $2,823 (30% increase) |
Driving Too Slowly | $2,816 (29% increase) |
Illegal Turn | $2,810 (29% increase) |
Improper Passing | $2,979 (37% increase) |
Cell Phone Violation | $2,764 (27% increase) |
Driving with Expired Registration | $2,685 (23% increase) |
Driving with a Suspended License | $4,390 (102% increase) |
Child Safety Restraint | $2,589 (19% increase) |
Driving Without Lights | $2,544 (17% increase) |
Failure to Wear a Seat Belt | $2,597 (19% increase) |
One Comp Claim | $2,329 (7% increase) |
Two Comp Claims | $2,433 (12% increase) |
One Med/PIP Claim | $2,176 (0% increase) |
Two Med/PIP Claims | $2,335 (7% increase) |
Texting While Driving | $2,764 (27% increase) |
Racing | $5,816 (167% increase) |
Leaving the Scene | $6,144 (183% increase) |
Urban drivers pay more than in small towns and rural areas
| Average annual coverage | |
|---|---|
| Detroit | $3,391 |
| Grand Rapids | $1,763 |
| Warren | $1,739 |
| Sterling Heights | $2,843 |
| Ann Arbor | $2,035 |
| Lansing | $2,035 |
| Dearborn | $2,035 |
| Average annual coverage | |
|---|---|
| Holland | $2,134 |
| Traverse City | $1,629 |
| Grand Haven | $1,433 |
| Harbor Springs | $1,249 |
| Boyne City | $2,035 |
| Tecumseh | $2,035 |
How to keep car insurance rates low in Michigan
Even if your circumstances don't align with a low-risk classification, don't lose hope—affordable car insurance in Michigan is still possible. Any driver can try these expert recommendations to find cheap car insurance in Michigan:
1. Look for discounts
Many insurance companies extend discounts based on elements like payment preferences and driving patterns. Take a look at some of the best
car insurance discounts
in Michigan: - Progressivegives policyholders with multiple car insurance policies an average discount of 12%.
- GEICOhas a discount of approximately 15% for active duty military members as well as a 25% emergency deployment discount.
- USAA(only available to military members and their families) gives a 10% legacy discount to drivers under age 25 who were former dependents of USAA policyholders.
- State Farmrewards safe drivers who have not had an accident for at least three years. The discount is up to 25%.
- Nationwide's SmartRidetelematics program rewards safe drivers with an average discount of 22% off their premium.
- Allstate's Milewisepay-per-mile program could help you pay as little as $2.22 per day.
2. Don’t buy a new car
If it’s time to replace your vehicle, consider exploring pre-owned models instead of brand-new ones. Data shows that Michigan motorists who choose a car that's at least four model years old can enjoy savings of up to 38% on full coverage.
3. Follow all Michigan traffic laws—and consider a defensive driving course
Get the best rates by maintaining a clean driving record. To do this, you may need to brush up on
Michigan’s traffic laws
so you can avoid tickets and rate increases. Even a single speeding ticket can impact your auto insurance premiumsConsider a telematics service, which can monitor your driving habits in real time. These apps can give you feedback on dangerous driving behavior so you can avoid tickets (and accidents).
4. Opt for full coverage with moderate liability limits and a high deductible
Michigan’s car insurance laws
require that all Michigan drivers carry 50/100/10 of liability coverage, in addition to personal injury protection, property protection, and residual liability coverage. These car insurance requirements include $50,000 for bodily injury liability per person, $100,000 per accident, and $10,000 in property damage liability coverage per accident.Most drivers need more than the minimum coverage limits. Consider a policy that provides the following coverage options beyond minimum car insurance:
- Bodily injury liability insurance with a minimum of $50,000 per person/$100,000 per accident.
- Property damage liability insurance with at least $50,000 in coverage.
- Collision and comprehensive coverage that will genuinely cover the cost of replacing your vehicle.
Depending on your specific requirements and budget, you might also consider including underinsured / uninsured motorist coverage that matches your liability limits, medical payments (MedPay) coverage, and even
roadside assistance coverage
. Select the highest deductible
that you can realistically cover. Remember, it's about finding the right balance between comprehensive coverage and manageable costs. Choose an auto insurance policy that will give you peace of mind and financial security in the event of an accident.
5. Compare multiple quotes—and shop every six months
The best way to find the lowest rate on Michigan car insurance is to compare quotes from various providers based on your unique driver profile. Auto-owners can do this every six months (or more often!).
The Jerry app allows you to view authentic insurance quotes from some of the
cheapest car insurance companies
. In less than a minute, you'll have the freedom to select the coverage and rate that fit your preferences.Don’t stop there! 70% of drivers never re-shop for insurance, so they leave the cheapest rates on the table. Jerry automatically scouts for new rates when your policy approaches renewal to help ensure that you never overpay for car insurance.
"I love how easy it was for me, as someone who has an older beat-up truck, to get insurance without going through a lot of trouble. I would recommend anyone tryJerry, since it’s free!” —Melissa I.
FAQ
How much is the average car insurance per month in Michigan?
The average Michigan driver pays about $3,000 per year for full coverage. Of course, your price will depend on your exact zip code, your age, and your driving history.
How much is car insurance for an 18-year-old in Michigan?
An 18-year-old in Michigan can expect to pay about $7,000 per year for full coverage car insurance. While teens pay the highest rates for car insurance, Michigan is one of the most expensive states for teen drivers. These rates usually drop when the driver turns 25.
Is car insurance in Michigan expensive?
Yes, average car insurance rates in Michigan are some of the most expensive in the nation. That’s due to high insurance fraud complaints, high rates of uninsured drivers, and rising costs associated with repairs and labor shortages.
How much is car insurance in Michigan for a 21-year-old?
A 21-year-old in Michigan can expect to pay about $6,000 per year for full coverage. By driving safely, these rates should go down to about $2,500 by age 25.
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