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Average cost of car insurance in Michigan in 2025
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Updated Feb 18, 2025
Michigan drivers pay an average annual cost of $879 for minimum coverage and $3,161 for full coverage.
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Powered by Coverage.com (NPN: 19966249)
Advertising disclosure
This advertisement is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions.
Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.
How much is car insurance in Michigan?
The average car insurance cost in Michigan is $879 for state-mandated minimum coverage, while full coverage car insurance rates average $3,161 a year. Bankrate based these averages on data sourced from Quadrant Information Services. Since the rate you pay for your policy is based on a range of factors that are unique to you, such as your age and driving record, as well as your car's age, make and model, your rate is likely to differ from the averages. Note that when determining how much car insurance costs in Michigan, insurers do not consider your credit score or gender, unlike other states.
Key takeaways
- Michigan drivers pay an average monthly rate of $73 for minimum coverage and $263 for full coverage insurance.
- On average, full coverage car insurance in Michigan costs 18 percent more than the national average, while minimum coverage costs 14 percent more.
- Vehicle type can play a significant role in Michigan rates, with drivers of a BMW 330i paying an average of 33 percent more for insurance per year than someone driving a Ford F-150.
- Drivers with an at-fault accident on their driving record pay about 47 percent more than the state average for full coverage car insurance.
- Michigan law prohibits auto insurance companies from utilizing ZIP codes, credit history, marital status and gender as part of rate determinations.
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Michigan car insurance rates by city
It's not enough to know how much car insurance is in Michigan; you should also know that your rate may vary depending on where in the state you live. For example, you may pay more for your insurance if you live in a large city with heavy traffic patterns, which can result in a higher number of accidents, on average. Areas where there is less traffic and fewer accidents may see decreased rates. Here are sample averages from some of Michigan's cities:
Sorry, we don't have enough data yet on this city yet!
But these other cities in the state may give you some insight.
| City | Avg. monthly full coverage premium | Avg. annual full coverage premium | Avg. savings vs. state average |
|---|---|---|---|
| Utica | $268 | $3,210 | +2% |
| Waterford | $250 | $3,003 | -5% |
| Oxford | $234 | $2,806 | -12% |
| Novi | $245 | $2,942 | -7% |
| Wixom | $245 | $2,940 | -7% |
| Applegate | $247 | $2,963 | -6% |
| Bad Axe | $240 | $2,886 | -9% |
| Dryden | $243 | $2,912 | -8% |
| Pleasant Ridge | $296 | $3,549 | +12% |
| Yale | $259 | $3,111 | -2% |
| Ann Arbor | $217 | $2,601 | -19% |
| Dearborn | $385 | $4,624 | +38% |
| Beaver Island | $214 | $2,570 | -21% |
| Kincheloe | $227 | $2,728 | -15% |
| Gwinn | $233 | $2,790 | -12% |
| Quinnesec | $231 | $2,770 | -13% |
| Ralph | $237 | $2,846 | -10% |
| Mackinaw City | $217 | $2,609 | -19% |
| Alpena | $218 | $2,614 | -19% |
| Barbeau | $229 | $2,743 | -14% |
| Brutus | $215 | $2,586 | -20% |
| Drummond Island | $237 | $2,839 | -11% |
| Gaylord | $217 | $2,599 | -20% |
| Grand Junction | $227 | $2,729 | -15% |
| Martin | $218 | $2,621 | -19% |
| Mendon | $226 | $2,716 | -15% |
| Otsego | $215 | $2,583 | -20% |
| Tekonsha | $223 | $2,674 | -17% |
| Vandalia | $224 | $2,684 | -16% |
| Berrien Springs | $209 | $2,502 | -23% |
| Eau Claire | $208 | $2,492 | -24% |
| Union | $220 | $2,636 | -18% |
| Jackson | $227 | $2,723 | -15% |
| Imlay City | $245 | $2,943 | -7% |
| Vernon | $224 | $2,684 | -16% |
| Flint | $298 | $3,581 | +12% |
| Saginaw | $224 | $2,692 | -16% |
| Freeland | $204 | $2,452 | -25% |
| Hope | $208 | $2,496 | -24% |
| Linwood | $208 | $2,497 | -23% |
| Midland | $198 | $2,375 | -28% |
| Livonia | $270 | $3,238 | +2% |
| Bloomfield Hills | $263 | $3,160 | -0% |
| Rochester | $247 | $2,966 | -6% |
| Sterling Heights | $290 | $3,478 | +10% |
| Williamsburg | $215 | $2,579 | -20% |
| Hubbard Lake | $226 | $2,709 | -15% |
| Memphis | $267 | $3,198 | +1% |
| New Baltimore | $275 | $3,299 | +4% |
| Royal Oak | $280 | $3,358 | +6% |
| Southfield | $360 | $4,314 | +31% |
| Saint Clair | $241 | $2,890 | -9% |
| Ray | $269 | $3,231 | +2% |
| Troy | $274 | $3,282 | +4% |
| Clinton Township | $297 | $3,558 | +12% |
| Fort Gratiot | $243 | $2,912 | -8% |
| Columbus | $255 | $3,063 | -3% |
| Smiths Creek | $232 | $2,785 | -13% |
| Mc Bain | $228 | $2,734 | -15% |
| Merritt | $239 | $2,865 | -10% |
| Rapid City | $224 | $2,685 | -16% |
| Sears | $249 | $2,985 | -6% |
| Wellston | $236 | $2,828 | -11% |
| Atlanta | $227 | $2,729 | -15% |
| Burt Lake | $222 | $2,658 | -17% |
| Cheboygan | $220 | $2,645 | -18% |
| Elmira | $219 | $2,629 | -18% |
| Marysville | $235 | $2,818 | -11% |
| New Haven | $285 | $3,422 | +8% |
| Richmond | $270 | $3,241 | +3% |
| Huntington Woods | $293 | $3,522 | +11% |
| Warren | $347 | $4,161 | +27% |
| Belleville | $292 | $3,504 | +10% |
| Chelsea | $220 | $2,637 | -18% |
| Gregory | $219 | $2,624 | -19% |
| Grosse Ile | $267 | $3,202 | +1% |
| Lake Ann | $222 | $2,670 | -17% |
| Onekama | $226 | $2,710 | -15% |
| Traverse City | $211 | $2,529 | -22% |
| Harbor Springs | $218 | $2,621 | -19% |
| Hulbert | $224 | $2,692 | -16% |
| Lincoln Park | $309 | $3,713 | +16% |
| Taylor | $319 | $3,827 | +19% |
| Westland | $298 | $3,573 | +12% |
| Ypsilanti | $243 | $2,918 | -8% |
| Detroit | $476 | $5,710 | +57% |
| Crystal Falls | $233 | $2,790 | -12% |
| Dodgeville | $221 | $2,650 | -18% |
| Lanse | $236 | $2,838 | -11% |
| Fair Haven | $237 | $2,838 | -11% |
| Wells | $236 | $2,833 | -11% |
| Birmingham | $270 | $3,240 | +2% |
| Bruce Crossing | $240 | $2,878 | -9% |
| Copper City | $222 | $2,664 | -17% |
| Sidnaw | $224 | $2,684 | -16% |
| West Bloomfield | $277 | $3,328 | +5% |
| Pontiac | $301 | $3,616 | +13% |
| Clarkston | $242 | $2,904 | -8% |
| Milford | $229 | $2,750 | -14% |
| Burt | $223 | $2,675 | -17% |
| Grand Blanc | $261 | $3,137 | -1% |
| Indian River | $226 | $2,717 | -15% |
| Johannesburg | $218 | $2,617 | -19% |
| Boon | $227 | $2,724 | -15% |
| Central Lake | $220 | $2,635 | -18% |
| Fife Lake | $228 | $2,739 | -14% |
| Frederic | $221 | $2,650 | -18% |
| Hessel | $219 | $2,628 | -18% |
| Farmington | $261 | $3,138 | -1% |
| Hartland | $221 | $2,657 | -17% |
| Highland | $240 | $2,879 | -9% |
| Union Lake | $249 | $2,983 | -6% |
| Ossineke | $219 | $2,633 | -18% |
| Camden | $236 | $2,835 | -11% |
| Clinton | $213 | $2,553 | -21% |
| Concord | $231 | $2,767 | -13% |
| Leslie | $230 | $2,765 | -13% |
| Michigan Center | $216 | $2,595 | -20% |
| North Adams | $234 | $2,804 | -12% |
| Ottawa Lake | $220 | $2,646 | -18% |
| Bailey | $229 | $2,753 | -14% |
| Comstock Park | $218 | $2,612 | -19% |
| Gowen | $242 | $2,904 | -8% |
| Stanwood | $248 | $2,978 | -6% |
| Deerfield | $216 | $2,588 | -20% |
| Hanover | $244 | $2,929 | -8% |
| Horton | $228 | $2,737 | -14% |
| Litchfield | $234 | $2,811 | -12% |
| Montgomery | $229 | $2,744 | -14% |
| Pittsford | $234 | $2,811 | -12% |
| Springport | $245 | $2,938 | -7% |
| Weston | $217 | $2,605 | -19% |
| Bradley | $220 | $2,644 | -18% |
| Freeport | $229 | $2,751 | -14% |
| Morley | $245 | $2,945 | -7% |
| Newaygo | $239 | $2,869 | -10% |
| Paris | $237 | $2,841 | -11% |
| Rockford | $222 | $2,668 | -17% |
| Deford | $249 | $2,993 | -5% |
| South Branch | $235 | $2,820 | -11% |
| Whittemore | $235 | $2,825 | -11% |
| Okemos | $202 | $2,423 | -26% |
| Ashley | $222 | $2,660 | -17% |
| Cedar Lake | $247 | $2,958 | -7% |
| Elm Hall | $225 | $2,700 | -16% |
| Fowlerville | $229 | $2,750 | -14% |
| Hudsonville | $196 | $2,352 | -29% |
| Walhalla | $235 | $2,824 | -11% |
| West Olive | $207 | $2,488 | -24% |
| Grand Rapids | $219 | $2,631 | -18% |
| Emmett | $270 | $3,237 | +2% |
| Wallace | $234 | $2,812 | -12% |
| Copper Harbor | $223 | $2,681 | -16% |
| Eastpointe | $345 | $4,140 | +27% |
| Franklin | $283 | $3,399 | +7% |
| Houghton | $217 | $2,601 | -19% |
| South Range | $219 | $2,627 | -18% |
| Portage | $199 | $2,383 | -28% |
| Cloverdale | $226 | $2,706 | -16% |
| Decatur | $230 | $2,756 | -14% |
| Lawton | $227 | $2,725 | -15% |
| Vicksburg | $210 | $2,525 | -22% |
| Niles | $209 | $2,509 | -23% |
| Allenton | $250 | $2,998 | -5% |
| Center Line | $355 | $4,254 | +29% |
| Amasa | $239 | $2,863 | -10% |
| Atlantic Mine | $220 | $2,644 | -18% |
| Baraga | $231 | $2,774 | -13% |
| Painesdale | $254 | $3,050 | -4% |
| Watersmeet | $249 | $2,987 | -6% |
| Lakeville | $259 | $3,108 | -2% |
| Birch Run | $223 | $2,673 | -17% |
| Forestville | $250 | $2,997 | -5% |
| Conklin | $225 | $2,706 | -16% |
| Fennville | $211 | $2,537 | -22% |
| Holland | $202 | $2,426 | -26% |
| New Era | $223 | $2,677 | -17% |
| Nunica | $214 | $2,566 | -21% |
| Pentwater | $230 | $2,757 | -14% |
| Alba | $223 | $2,677 | -17% |
| Arcadia | $231 | $2,771 | -13% |
| Benzonia | $229 | $2,752 | -14% |
| Pinckney | $218 | $2,615 | -19% |
| Wayne | $309 | $3,712 | +16% |
| Canton | $263 | $3,154 | -0% |
| Grosse Pointe | $391 | $4,695 | +39% |
| Carleton | $229 | $2,750 | -14% |
| Melvindale | $360 | $4,325 | +31% |
| Berkley | $279 | $3,343 | +6% |
| Saint Clair Shores | $288 | $3,452 | +9% |
| Algonac | $246 | $2,948 | -7% |
| Armada | $274 | $3,289 | +4% |
| Avoca | $244 | $2,932 | -8% |
| Ahmeek | $226 | $2,715 | -15% |
| Bergland | $251 | $3,015 | -5% |
| Ewen | $251 | $3,010 | -5% |
| Toivola | $258 | $3,094 | -2% |
| Casco | $260 | $3,120 | -1% |
| Dearborn Heights | $339 | $4,072 | +25% |
| Ironwood | $223 | $2,671 | -17% |
| Kearsarge | $222 | $2,659 | -17% |
| Trout Creek | $232 | $2,790 | -12% |
| Keego Harbor | $267 | $3,205 | +1% |
| Auburn Hills | $246 | $2,957 | -7% |
| Davisburg | $244 | $2,926 | -8% |
| White Lake | $254 | $3,050 | -4% |
| Walled Lake | $244 | $2,924 | -8% |
| West Branch | $232 | $2,781 | -13% |
| Bay City | $206 | $2,476 | -24% |
| Allen Park | $303 | $3,638 | +14% |
| Brighton | $221 | $2,653 | -17% |
| Ida | $223 | $2,677 | -17% |
| Brown City | $251 | $3,018 | -5% |
| Carsonville | $248 | $2,978 | -6% |
| East Leroy | $216 | $2,595 | -20% |
| Hartford | $221 | $2,657 | -17% |
| Mattawan | $223 | $2,679 | -17% |
| Saint Joseph | $194 | $2,328 | -30% |
| White Pigeon | $225 | $2,701 | -16% |
| Goodrich | $249 | $2,990 | -6% |
| Port Huron | $241 | $2,895 | -9% |
| Lambertville | $226 | $2,717 | -15% |
| Carson City | $247 | $2,963 | -6% |
| Bay Port | $238 | $2,862 | -10% |
| Greenbush | $232 | $2,783 | -13% |
| Mikado | $234 | $2,805 | -12% |
| Unionville | $241 | $2,886 | -9% |
| Alma | $216 | $2,593 | -20% |
| Elsie | $223 | $2,672 | -17% |
| Brethren | $234 | $2,814 | -12% |
| Chase | $243 | $2,917 | -8% |
| Copemish | $235 | $2,825 | -11% |
| Interlochen | $222 | $2,667 | -17% |
| Kalkaska | $221 | $2,648 | -18% |
| Tustin | $235 | $2,822 | -11% |
| Afton | $224 | $2,682 | -16% |
| Cross Village | $214 | $2,565 | -21% |
| Metamora | $243 | $2,912 | -8% |
| Otisville | $249 | $2,991 | -6% |
| Snover | $247 | $2,962 | -7% |
| Burton | $259 | $3,110 | -2% |
| Willis | $223 | $2,676 | -17% |
| Wyandotte | $277 | $3,329 | +5% |
| Highland Park | $465 | $5,579 | +55% |
| Hamtramck | $483 | $5,801 | +59% |
| Redford | $382 | $4,587 | +37% |
| Manchester | $221 | $2,653 | -17% |
| South Rockwood | $231 | $2,776 | -13% |
| River Rouge | $372 | $4,469 | +34% |
| Ecorse | $350 | $4,199 | +28% |
| Jeddo | $238 | $2,850 | -10% |
| Mount Clemens | $305 | $3,666 | +15% |
| Garden City | $303 | $3,634 | +14% |
| Luna Pier | $229 | $2,745 | -14% |
| Maybee | $231 | $2,767 | -13% |
| Milan | $214 | $2,570 | -21% |
| Romulus | $314 | $3,766 | +17% |
| Whittaker | $218 | $2,621 | -19% |
| Monroe | $231 | $2,774 | -13% |
| Buckley | $224 | $2,693 | -16% |
| Kaleva | $236 | $2,833 | -11% |
| Maple City | $214 | $2,565 | -21% |
| South Boardman | $228 | $2,737 | -14% |
| Carp Lake | $212 | $2,548 | -21% |
| Goetzville | $232 | $2,784 | -13% |
| Good Hart | $219 | $2,624 | -19% |
| Grayling | $222 | $2,662 | -17% |
| Hawks | $238 | $2,859 | -10% |
| Lapeer | $235 | $2,819 | -11% |
| Marlette | $248 | $2,977 | -6% |
| Minden City | $251 | $3,009 | -5% |
| Sandusky | $243 | $2,917 | -8% |
| Ubly | $249 | $2,988 | -6% |
| Merrill | $227 | $2,726 | -15% |
| Saint Charles | $228 | $2,740 | -14% |
| Lake City | $232 | $2,782 | -13% |
| Luther | $252 | $3,020 | -5% |
| Mancelona | $223 | $2,671 | -17% |
| Mesick | $234 | $2,804 | -12% |
| Brimley | $223 | $2,681 | -16% |
| Hillman | $231 | $2,776 | -13% |
| Kingsley | $221 | $2,657 | -17% |
| Lake Leelanau | $211 | $2,534 | -22% |
| Northport | $211 | $2,529 | -22% |
| Omena | $213 | $2,551 | -21% |
| Reed City | $244 | $2,923 | -8% |
| Millersburg | $238 | $2,853 | -10% |
| Onaway | $233 | $2,792 | -12% |
| Walloon Lake | $218 | $2,614 | -19% |
| Carney | $250 | $3,003 | -5% |
| Felch | $241 | $2,896 | -9% |
| Menominee | $225 | $2,703 | -16% |
| Marine City | $248 | $2,976 | -6% |
| North Street | $228 | $2,733 | -15% |
| Ruth | $257 | $3,079 | -3% |
| Breckenridge | $221 | $2,654 | -17% |
| Farwell | $244 | $2,925 | -8% |
| Hemlock | $221 | $2,650 | -18% |
| Fraser | $304 | $3,652 | +14% |
| Vulcan | $242 | $2,903 | -9% |
| Covington | $232 | $2,782 | -13% |
| Sanford | $209 | $2,509 | -23% |
| Curran | $233 | $2,798 | -12% |
| Harrisville | $235 | $2,817 | -11% |
| Long Lake | $234 | $2,803 | -12% |
| Omer | $231 | $2,771 | -13% |
| Tawas City | $226 | $2,711 | -15% |
| Frankenmuth | $220 | $2,644 | -18% |
| Dimondale | $209 | $2,513 | -23% |
| East Lansing | $213 | $2,552 | -21% |
| Grand Ledge | $212 | $2,546 | -22% |
| Hancock | $218 | $2,616 | -19% |
| Nisula | $226 | $2,717 | -15% |
| Fostoria | $264 | $3,163 | +0% |
| Capac | $269 | $3,227 | +2% |
| Trenary | $244 | $2,932 | -8% |
| Caspian | $239 | $2,866 | -10% |
| Hubbell | $245 | $2,944 | -7% |
| Iron River | $231 | $2,769 | -13% |
| Mohawk | $229 | $2,750 | -14% |
| Pelkie | $226 | $2,714 | -15% |
| Ramsay | $227 | $2,724 | -15% |
| Wakefield | $225 | $2,700 | -16% |
| Watton | $242 | $2,902 | -9% |
| Leonard | $258 | $3,092 | -2% |
| Attica | $242 | $2,900 | -9% |
| Gladwin | $233 | $2,794 | -12% |
| Oakley | $227 | $2,728 | -15% |
| Wilson | $248 | $2,972 | -6% |
| Alpha | $235 | $2,824 | -11% |
| Calumet | $221 | $2,648 | -18% |
| Dollar Bay | $217 | $2,608 | -19% |
| Twining | $236 | $2,828 | -11% |
| Belding | $237 | $2,839 | -11% |
| Charlotte | $220 | $2,642 | -18% |
| Crystal | $250 | $2,997 | -5% |
| Clarklake | $229 | $2,745 | -14% |
| Hudson | $224 | $2,688 | -16% |
| Morenci | $214 | $2,571 | -21% |
| Onsted | $216 | $2,592 | -20% |
| Parma | $233 | $2,798 | -12% |
| Tecumseh | $219 | $2,626 | -19% |
| Tipton | $212 | $2,550 | -21% |
| Byron Center | $210 | $2,519 | -23% |
| Cedar Springs | $228 | $2,737 | -14% |
| Dorr | $215 | $2,584 | -20% |
| Trufant | $248 | $2,974 | -6% |
| Wheeler | $220 | $2,646 | -18% |
| Pigeon | $239 | $2,867 | -10% |
| Prescott | $235 | $2,826 | -11% |
| Reese | $226 | $2,714 | -15% |
| Richville | $237 | $2,846 | -11% |
| Mount Pleasant | $215 | $2,580 | -20% |
| Dewitt | $204 | $2,444 | -26% |
| Edmore | $247 | $2,959 | -7% |
| Stockbridge | $232 | $2,782 | -13% |
| Blanchard | $235 | $2,823 | -11% |
| Otter Lake | $246 | $2,947 | -7% |
| Lupton | $235 | $2,823 | -11% |
| Pinconning | $213 | $2,553 | -21% |
| Holt | $209 | $2,503 | -23% |
| Howell | $219 | $2,627 | -18% |
| Westphalia | $208 | $2,492 | -24% |
| Lansing | $233 | $2,791 | -12% |
| Mount Morris | $285 | $3,419 | +8% |
| Peck | $246 | $2,951 | -7% |
| Port Austin | $248 | $2,978 | -6% |
| Port Sanilac | $245 | $2,945 | -7% |
| Chesaning | $225 | $2,695 | -16% |
| Sidney | $247 | $2,962 | -7% |
| Allegan | $221 | $2,649 | -18% |
| Battle Creek | $226 | $2,715 | -15% |
| Bedford | $227 | $2,727 | -15% |
| Plymouth | $245 | $2,941 | -7% |
| Riverview | $268 | $3,220 | +2% |
| Oak Park | $358 | $4,292 | +30% |
| Perrinton | $227 | $2,725 | -15% |
| Woodland | $230 | $2,756 | -14% |
| Benton Harbor | $224 | $2,683 | -16% |
| Bloomingdale | $222 | $2,663 | -17% |
| Hastings | $236 | $2,837 | -11% |
| Nashville | $264 | $3,171 | +0% |
| Ionia | $247 | $2,959 | -7% |
| Owosso | $220 | $2,637 | -18% |
| Palo | $232 | $2,785 | -13% |
| Perry | $232 | $2,780 | -13% |
| Saint Louis | $235 | $2,822 | -11% |
| Shaftsburg | $225 | $2,697 | -16% |
| Sunfield | $229 | $2,744 | -14% |
| Kalamazoo | $213 | $2,556 | -21% |
| Colon | $229 | $2,746 | -14% |
| Marcellus | $219 | $2,625 | -19% |
| Olivet | $221 | $2,653 | -17% |
| Sturgis | $223 | $2,679 | -16% |
| Vermontville | $232 | $2,785 | -13% |
| Buchanan | $207 | $2,488 | -24% |
| Lakeside | $209 | $2,508 | -23% |
| Stevensville | $196 | $2,358 | -29% |
| Hubbardston | $235 | $2,824 | -11% |
| Smyrna | $229 | $2,751 | -14% |
| Vestaburg | $249 | $2,992 | -5% |
| Williamston | $208 | $2,499 | -23% |
| Winn | $229 | $2,745 | -14% |
| Albion | $236 | $2,836 | -11% |
| Jonesville | $235 | $2,818 | -11% |
| Petersburg | $223 | $2,677 | -17% |
| Bitely | $252 | $3,024 | -4% |
| Chippewa Lake | $237 | $2,843 | -11% |
| Howard City | $245 | $2,943 | -7% |
| Allouez | $227 | $2,724 | -15% |
| Gould City | $228 | $2,730 | -15% |
| Ishpeming | $217 | $2,608 | -19% |
| Perkins | $249 | $2,991 | -6% |
| Rock | $244 | $2,931 | -8% |
| Wayland | $221 | $2,649 | -18% |
| Melvin | $251 | $3,016 | -5% |
| Brant | $237 | $2,842 | -11% |
| Coleman | $214 | $2,570 | -21% |
| Houghton Lake Heights | $228 | $2,739 | -14% |
| Luzerne | $227 | $2,728 | -15% |
| Mio | $226 | $2,716 | -15% |
| Fairview | $222 | $2,661 | -17% |
| Harrison | $244 | $2,930 | -8% |
| Kawkawlin | $201 | $2,406 | -27% |
| Lake | $249 | $2,984 | -6% |
| Saint Helen | $236 | $2,836 | -11% |
| Skandia | $226 | $2,709 | -15% |
| Washington | $268 | $3,219 | +2% |
| Azalia | $226 | $2,714 | -15% |
| Palmyra | $211 | $2,531 | -22% |
| Branch | $248 | $2,979 | -6% |
| Coopersville | $211 | $2,537 | -22% |
| Muskegon | $229 | $2,746 | -14% |
| Beulah | $226 | $2,709 | -15% |
| Lachine | $231 | $2,773 | -13% |
| Mullett Lake | $226 | $2,712 | -15% |
| Saint Ignace | $214 | $2,563 | -21% |
| Champion | $226 | $2,716 | -15% |
| Marquette | $211 | $2,532 | -22% |
| Spalding | $240 | $2,883 | -9% |
| Stephenson | $256 | $3,066 | -3% |
| Saline | $201 | $2,416 | -27% |
| Samaria | $226 | $2,708 | -15% |
| Galesburg | $208 | $2,495 | -24% |
| New Troy | $204 | $2,443 | -26% |
| Addison | $229 | $2,751 | -14% |
| Carrollton | $218 | $2,621 | -19% |
| East Tawas | $223 | $2,676 | -17% |
| Fairgrove | $232 | $2,788 | -13% |
| Millington | $239 | $2,869 | -10% |
| National City | $233 | $2,801 | -12% |
| Bannister | $225 | $2,699 | -16% |
| Fountain | $258 | $3,098 | -2% |
| Grand Haven | $198 | $2,382 | -28% |
| Holton | $217 | $2,605 | -19% |
| Lamont | $215 | $2,581 | -20% |
| Ludington | $223 | $2,678 | -17% |
| Ravenna | $224 | $2,685 | -16% |
| Alden | $222 | $2,668 | -17% |
| Montague | $212 | $2,541 | -22% |
| Twin Lake | $214 | $2,574 | -20% |
| Grandville | $206 | $2,467 | -25% |
| Ceresco | $221 | $2,657 | -17% |
| Climax | $216 | $2,587 | -20% |
| Covert | $219 | $2,631 | -18% |
| Gobles | $226 | $2,713 | -15% |
| Lacota | $228 | $2,736 | -14% |
| Lawrence | $228 | $2,730 | -15% |
| Leonidas | $226 | $2,711 | -15% |
| Sherwood | $228 | $2,738 | -14% |
| Three Rivers | $222 | $2,667 | -17% |
| Sawyer | $203 | $2,434 | -26% |
| Lake Orion | $237 | $2,839 | -11% |
| Oakland | $237 | $2,847 | -10% |
| Davison | $231 | $2,773 | -13% |
| Deckerville | $247 | $2,958 | -7% |
| Flushing | $236 | $2,831 | -11% |
| Fulton | $220 | $2,640 | -18% |
| Kendall | $226 | $2,715 | -15% |
| Marshall | $222 | $2,666 | -17% |
| Berrien Center | $209 | $2,503 | -23% |
| Edwardsburg | $219 | $2,632 | -18% |
| Harbert | $205 | $2,461 | -25% |
| Kinde | $250 | $3,001 | -5% |
| New Lothrop | $223 | $2,673 | -17% |
| Swartz Creek | $236 | $2,829 | -11% |
| Comins | $228 | $2,733 | -15% |
| Prudenville | $225 | $2,705 | -16% |
| Rose City | $238 | $2,854 | -10% |
| Mackinac Island | $210 | $2,521 | -23% |
| Naubinway | $222 | $2,668 | -17% |
| Sault Sainte Marie | $216 | $2,598 | -20% |
| Channing | $230 | $2,763 | -13% |
| Arnold | $235 | $2,820 | -11% |
| Rumely | $237 | $2,846 | -11% |
| Negaunee | $215 | $2,578 | -20% |
| Perronville | $258 | $3,090 | -2% |
| Rapid River | $244 | $2,924 | -8% |
| Breedsville | $225 | $2,695 | -16% |
| Burlington | $228 | $2,739 | -14% |
| Cassopolis | $221 | $2,657 | -17% |
| Coloma | $206 | $2,467 | -25% |
| Dowling | $240 | $2,876 | -9% |
| Schoolcraft | $208 | $2,493 | -24% |
| Three Oaks | $211 | $2,527 | -22% |
| Kinross | $245 | $2,934 | -7% |
| Bellevue | $237 | $2,846 | -10% |
| Sterling | $233 | $2,800 | -12% |
| Akron | $234 | $2,812 | -12% |
| Au Gres | $229 | $2,749 | -14% |
| Clifford | $248 | $2,970 | -6% |
| Gagetown | $241 | $2,896 | -9% |
| Kingston | $252 | $3,024 | -4% |
| Spruce | $226 | $2,714 | -15% |
| Vassar | $234 | $2,802 | -12% |
| Corunna | $219 | $2,624 | -19% |
| Eaton Rapids | $223 | $2,675 | -17% |
| Fowler | $211 | $2,526 | -22% |
| Pickford | $229 | $2,748 | -14% |
| Pointe Aux Pins | $215 | $2,586 | -20% |
| Presque Isle | $223 | $2,678 | -17% |
| Rogers City | $225 | $2,701 | -16% |
| Eckerman | $228 | $2,740 | -14% |
| Au Train | $231 | $2,772 | -13% |
| Garden | $241 | $2,892 | -9% |
| Grand Marais | $234 | $2,803 | -12% |
| Gulliver | $228 | $2,733 | -15% |
| Ingalls | $248 | $2,976 | -6% |
| Newberry | $220 | $2,642 | -18% |
| Sagola | $236 | $2,833 | -11% |
| Clawson | $275 | $3,300 | +4% |
| Wetmore | $241 | $2,887 | -9% |
| Bessemer | $223 | $2,673 | -17% |
| Gaastra | $236 | $2,838 | -11% |
| Mass City | $243 | $2,912 | -8% |
| New Hudson | $233 | $2,793 | -12% |
| Northville | $238 | $2,851 | -10% |
| Salem | $224 | $2,687 | -16% |
| South Lyon | $229 | $2,750 | -14% |
| Trenton | $277 | $3,326 | +5% |
| Iron Mountain | $225 | $2,705 | -16% |
| Engadine | $226 | $2,711 | -15% |
| Foster City | $238 | $2,851 | -10% |
| Gladstone | $233 | $2,801 | -12% |
| Powers | $250 | $3,000 | -5% |
| Seney | $228 | $2,740 | -14% |
| Moran | $217 | $2,598 | -20% |
| Topinabee | $220 | $2,645 | -18% |
| Lexington | $241 | $2,892 | -9% |
| Clare | $240 | $2,886 | -9% |
| Roscommon | $223 | $2,677 | -17% |
| Drayton Plains | $239 | $2,872 | -10% |
| Linden | $238 | $2,854 | -10% |
| Montrose | $234 | $2,808 | -12% |
| Ortonville | $255 | $3,062 | -3% |
| Port Hope | $251 | $3,013 | -5% |
| Alger | $237 | $2,849 | -10% |
| East China | $247 | $2,964 | -6% |
| Romeo | $272 | $3,262 | +3% |
| Dexter | $210 | $2,522 | -23% |
| Dundee | $217 | $2,600 | -19% |
| Inkster | $351 | $4,209 | +28% |
| Lakeland | $222 | $2,670 | -17% |
| Levering | $211 | $2,528 | -22% |
| Oden | $215 | $2,575 | -20% |
| Pellston | $215 | $2,577 | -20% |
| Trout Lake | $223 | $2,676 | -17% |
| Vanderbilt | $218 | $2,621 | -19% |
| Waters | $217 | $2,605 | -19% |
| Cornell | $243 | $2,914 | -8% |
| Escanaba | $232 | $2,788 | -13% |
| Norway | $231 | $2,777 | -13% |
| Bark River | $246 | $2,956 | -7% |
| Daggett | $255 | $3,055 | -3% |
| Loretto | $236 | $2,827 | -11% |
| Manistique | $235 | $2,820 | -11% |
| National Mine | $229 | $2,743 | -14% |
| Palmer | $214 | $2,573 | -21% |
| Republic | $225 | $2,696 | -16% |
| Byron | $240 | $2,886 | -9% |
| Clio | $234 | $2,808 | -12% |
| Decker | $251 | $3,017 | -5% |
| Fenton | $226 | $2,715 | -15% |
| Bronson | $228 | $2,732 | -15% |
| Coldwater | $227 | $2,718 | -15% |
| Constantine | $225 | $2,699 | -16% |
| Delton | $237 | $2,840 | -11% |
| Dowagiac | $215 | $2,586 | -20% |
| Hickory Corners | $228 | $2,733 | -15% |
| Jones | $223 | $2,681 | -16% |
| Nazareth | $216 | $2,587 | -20% |
| Quincy | $230 | $2,759 | -14% |
| Bridgman | $203 | $2,437 | -26% |
| Union Pier | $226 | $2,715 | -15% |
| Caro | $240 | $2,885 | -9% |
| Elkton | $236 | $2,838 | -11% |
| Essexville | $210 | $2,515 | -23% |
| Glennie | $235 | $2,815 | -12% |
| Bath | $205 | $2,456 | -25% |
| Eagle | $204 | $2,448 | -25% |
| La Salle | $232 | $2,785 | -13% |
| Newport | $227 | $2,719 | -15% |
| Rockwood | $266 | $3,188 | +1% |
| Temperance | $223 | $2,671 | -17% |
| Southgate | $287 | $3,441 | +8% |
| Ferndale | $317 | $3,803 | +18% |
| Hazel Park | $354 | $4,252 | +29% |
| Macomb | $287 | $3,439 | +8% |
| Roseville | $311 | $3,737 | +17% |
| Erie | $239 | $2,873 | -10% |
| Flat Rock | $274 | $3,290 | +4% |
| Bellaire | $222 | $2,659 | -17% |
| Eastlake | $233 | $2,798 | -12% |
| Elberta | $228 | $2,731 | -15% |
| Grawn | $222 | $2,669 | -17% |
| Idlewild | $249 | $2,985 | -6% |
| Kewadin | $213 | $2,557 | -21% |
| Manton | $231 | $2,771 | -13% |
| Thompsonville | $231 | $2,766 | -13% |
| Boyne City | $216 | $2,597 | -20% |
| East Jordan | $225 | $2,700 | -16% |
| Harsens Island | $231 | $2,766 | -13% |
| Harrison Township | $328 | $3,940 | +22% |
| Madison Heights | $296 | $3,547 | +11% |
| Elk Rapids | $215 | $2,585 | -20% |
| Evart | $242 | $2,903 | -9% |
| Filer City | $230 | $2,756 | -14% |
| Honor | $231 | $2,776 | -13% |
| Manistee | $228 | $2,740 | -14% |
| Alanson | $215 | $2,575 | -20% |
| De Tour Village | $236 | $2,836 | -11% |
| Ellsworth | $216 | $2,598 | -20% |
| Whitmore Lake | $215 | $2,577 | -20% |
| Black River | $232 | $2,790 | -12% |
| Cass City | $244 | $2,933 | -7% |
| Lincoln | $234 | $2,807 | -12% |
| Dansville | $216 | $2,591 | -20% |
| Deerton | $232 | $2,782 | -13% |
| Eben Junction | $236 | $2,834 | -11% |
| Little Lake | $233 | $2,795 | -12% |
| Hermansville | $258 | $3,099 | -2% |
| New Boston | $284 | $3,411 | +8% |
| Harper Woods | $397 | $4,761 | +40% |
| Palms | $253 | $3,039 | -4% |
| Higgins Lake | $225 | $2,696 | -16% |
| Rhodes | $243 | $2,914 | -8% |
| Eastport | $216 | $2,589 | -20% |
| Empire | $222 | $2,663 | -17% |
| Glen Arbor | $217 | $2,605 | -19% |
| Harrietta | $234 | $2,808 | -12% |
| Irons | $249 | $2,991 | -6% |
| Leroy | $236 | $2,827 | -11% |
| Cedar | $211 | $2,528 | -22% |
| Falmouth | $235 | $2,825 | -11% |
| Frankfort | $227 | $2,720 | -15% |
| Hersey | $235 | $2,821 | -11% |
| Leland | $210 | $2,522 | -23% |
| Old Mission | $216 | $2,592 | -20% |
| Boyne Falls | $218 | $2,617 | -19% |
| Cedarville | $225 | $2,700 | -16% |
| Charlevoix | $213 | $2,561 | -21% |
| Dafter | $223 | $2,681 | -16% |
| Britton | $219 | $2,624 | -19% |
| Jerome | $241 | $2,892 | -9% |
| Riga | $213 | $2,556 | -21% |
| Brohman | $245 | $2,938 | -7% |
| Cannonsburg | $218 | $2,617 | -19% |
| Coral | $249 | $2,992 | -5% |
| Rodney | $245 | $2,934 | -7% |
| Shelbyville | $233 | $2,801 | -12% |
| Commerce Township | $246 | $2,954 | -7% |
| Genesee | $260 | $3,114 | -1% |
| Caseville | $236 | $2,836 | -11% |
| Oscoda | $226 | $2,716 | -15% |
| Bancroft | $227 | $2,720 | -15% |
| Columbiaville | $239 | $2,874 | -10% |
| Gaines | $240 | $2,882 | -9% |
| Holly | $250 | $2,997 | -5% |
| Augusta | $218 | $2,612 | -19% |
| Burr Oak | $231 | $2,767 | -13% |
| Hagar Shores | $209 | $2,510 | -23% |
| Paw Paw | $222 | $2,659 | -17% |
| Scotts | $212 | $2,539 | -22% |
| Watervliet | $217 | $2,609 | -19% |
| Galien | $211 | $2,530 | -22% |
| New Buffalo | $209 | $2,505 | -23% |
| Henderson | $221 | $2,648 | -18% |
| Mason | $207 | $2,485 | -24% |
| Middleton | $228 | $2,740 | -14% |
| Muir | $232 | $2,789 | -13% |
| Portland | $218 | $2,622 | -19% |
| Athens | $227 | $2,729 | -15% |
| Petoskey | $212 | $2,542 | -22% |
| Posen | $224 | $2,688 | -16% |
| Rudyard | $226 | $2,712 | -15% |
| Tower | $239 | $2,870 | -10% |
| Kingsford | $228 | $2,737 | -14% |
| Chatham | $245 | $2,934 | -7% |
| Cooks | $236 | $2,828 | -11% |
| Michigamme | $226 | $2,714 | -15% |
| Munising | $227 | $2,724 | -15% |
| Nadeau | $243 | $2,915 | -8% |
| Shingleton | $233 | $2,798 | -12% |
| Grass Lake | $231 | $2,766 | -13% |
| Norvell | $235 | $2,820 | -11% |
| Ada | $216 | $2,586 | -20% |
| Barryton | $250 | $2,995 | -5% |
| Burnips | $220 | $2,646 | -18% |
| Casnovia | $227 | $2,730 | -15% |
| Moline | $219 | $2,628 | -18% |
| Pierson | $242 | $2,899 | -9% |
| Almont | $265 | $3,181 | +1% |
| Anchorville | $247 | $2,962 | -7% |
| Chassell | $253 | $3,042 | -4% |
| Ontonagon | $229 | $2,746 | -14% |
| Rockland | $234 | $2,814 | -12% |
| Skanee | $243 | $2,922 | -8% |
| White Pine | $225 | $2,699 | -16% |
| Munith | $236 | $2,831 | -11% |
| Onondaga | $228 | $2,741 | -14% |
| Somerset Center | $231 | $2,768 | -13% |
| Baldwin | $253 | $3,038 | -4% |
| Belmont | $222 | $2,662 | -17% |
| Middleville | $226 | $2,715 | -15% |
| Glenn | $217 | $2,607 | -19% |
| Jenison | $206 | $2,472 | -24% |
| Marne | $214 | $2,565 | -21% |
| Walkerville | $248 | $2,982 | -6% |
| Zeeland | $195 | $2,341 | -30% |
| Cadillac | $217 | $2,606 | -19% |
| Acme | $218 | $2,611 | -19% |
| Plainwell | $215 | $2,575 | -20% |
| Richland | $207 | $2,484 | -24% |
| South Haven | $210 | $2,518 | -23% |
| Union City | $232 | $2,783 | -13% |
| Sodus | $207 | $2,489 | -24% |
| Douglas | $219 | $2,626 | -18% |
| Hamilton | $211 | $2,530 | -22% |
| Pullman | $223 | $2,680 | -16% |
| Mulliken | $223 | $2,674 | -17% |
| Shepherd | $220 | $2,637 | -18% |
| Six Lakes | $249 | $2,991 | -6% |
| Stanton | $256 | $3,070 | -3% |
| Elwell | $221 | $2,656 | -17% |
| Ovid | $216 | $2,594 | -20% |
| Lennon | $241 | $2,886 | -9% |
| North Branch | $244 | $2,934 | -7% |
| Auburn | $201 | $2,407 | -27% |
| Beaverton | $241 | $2,890 | -9% |
| Bentley | $223 | $2,674 | -17% |
| Houghton Lake | $229 | $2,744 | -14% |
| Lake George | $246 | $2,957 | -7% |
| White Cloud | $242 | $2,909 | -8% |
| Wyoming | $217 | $2,600 | -19% |
| Clayton | $222 | $2,658 | -17% |
| Homer | $233 | $2,793 | -12% |
| Manitou Beach | $223 | $2,675 | -17% |
| Osseo | $236 | $2,828 | -11% |
| Rives Junction | $235 | $2,818 | -11% |
| Spring Arbor | $225 | $2,696 | -16% |
| Hopkins | $215 | $2,584 | -20% |
| Kent City | $232 | $2,788 | -13% |
| Lowell | $223 | $2,673 | -17% |
| Remus | $236 | $2,836 | -11% |
| Lake Linden | $243 | $2,913 | -8% |
| Marenisco | $230 | $2,754 | -14% |
| Allendale | $211 | $2,537 | -22% |
| Free Soil | $252 | $3,019 | -5% |
| Fremont | $228 | $2,735 | -14% |
| Hart | $234 | $2,803 | -12% |
| Rothbury | $224 | $2,694 | -16% |
| Whitehall | $213 | $2,552 | -21% |
| Cement City | $234 | $2,806 | -12% |
| Hillsdale | $230 | $2,763 | -13% |
| Sand Creek | $214 | $2,570 | -21% |
| Caledonia | $218 | $2,611 | -19% |
| Grant | $240 | $2,880 | -9% |
| Mecosta | $251 | $3,015 | -5% |
| Sparta | $223 | $2,671 | -17% |
| Hesperia | $244 | $2,932 | -8% |
| Mears | $229 | $2,754 | -14% |
| Saugatuck | $199 | $2,387 | -28% |
| Bear Lake | $231 | $2,767 | -13% |
| Lewiston | $223 | $2,676 | -17% |
| Paradise | $226 | $2,718 | -15% |
| Wolverine | $233 | $2,795 | -12% |
| Big Bay | $230 | $2,761 | -14% |
| Curtis | $223 | $2,682 | -16% |
| Germfask | $231 | $2,771 | -13% |
| Mc Millan | $223 | $2,679 | -17% |
| Hale | $239 | $2,868 | -10% |
| Munger | $208 | $2,499 | -23% |
| Frontier | $228 | $2,736 | -14% |
| Jasper | $215 | $2,574 | -20% |
| Waldron | $232 | $2,790 | -12% |
| Alto | $223 | $2,671 | -17% |
| Big Rapids | $235 | $2,817 | -12% |
| Sand Lake | $239 | $2,865 | -10% |
| Marion | $236 | $2,832 | -11% |
| Suttons Bay | $215 | $2,579 | -20% |
| Bay Shore | $217 | $2,598 | -20% |
| Herron | $226 | $2,712 | -15% |
| Pewamo | $227 | $2,718 | -15% |
| Saranac | $233 | $2,792 | -12% |
| Sumner | $230 | $2,765 | -13% |
| Weidman | $233 | $2,792 | -12% |
| Haslett | $205 | $2,461 | -25% |
| Lyons | $235 | $2,819 | -11% |
| Mcbrides | $246 | $2,949 | -7% |
| Maple Rapids | $216 | $2,598 | -20% |
| Shelby | $226 | $2,716 | -15% |
| Spring Lake | $199 | $2,386 | -28% |
| Potterville | $217 | $2,605 | -19% |
| Saint Johns | $209 | $2,514 | -23% |
| Standish | $228 | $2,735 | -14% |
| Barton City | $234 | $2,809 | -12% |
| Bridgeport | $240 | $2,879 | -9% |
| Mayville | $251 | $3,016 | -5% |
| Owendale | $239 | $2,872 | -10% |
| Sebewaing | $238 | $2,852 | -10% |
| Silverwood | $254 | $3,046 | -4% |
| Turner | $236 | $2,831 | -11% |
| Fenwick | $240 | $2,882 | -9% |
| Greenville | $237 | $2,850 | -10% |
| Ithaca | $224 | $2,685 | -16% |
| Morrice | $228 | $2,732 | -15% |
| Riverdale | $225 | $2,701 | -16% |
| Allen | $235 | $2,824 | -11% |
| Brooklyn | $224 | $2,691 | -16% |
| Mosherville | $236 | $2,826 | -11% |
| Pleasant Lake | $236 | $2,828 | -11% |
| Reading | $236 | $2,831 | -11% |
| Laingsburg | $228 | $2,732 | -15% |
| Orleans | $232 | $2,788 | -13% |
| Sheridan | $248 | $2,978 | -6% |
| Blissfield | $215 | $2,580 | -20% |
| Lake Odessa | $232 | $2,787 | -13% |
| Lakeview | $250 | $3,004 | -5% |
| Pompeii | $222 | $2,666 | -17% |
| Rosebush | $223 | $2,679 | -17% |
| Webberville | $222 | $2,668 | -17% |
| Bangor | $225 | $2,705 | -16% |
| Centreville | $223 | $2,671 | -17% |
| Baroda | $199 | $2,391 | -28% |
| Adrian | $216 | $2,596 | -20% |
| Croswell | $240 | $2,881 | -9% |
| Durand | $219 | $2,627 | -18% |
| Filion | $239 | $2,863 | -10% |
| Harbor Beach | $255 | $3,056 | -3% |
| Clarksville | $232 | $2,788 | -13% |
| Goodells | $239 | $2,864 | -10% |
| Macatawa | $208 | $2,497 | -23% |
| Scottville | $237 | $2,840 | -11% |
| Sylvan Beach | $213 | $2,561 | -21% |
| Custer | $249 | $2,992 | -5% |
| Fruitport | $217 | $2,600 | -19% |
Average car insurance costs by age in Michigan
Auto insurance rates may vary considerably based on a driver's age and years of driving experience. For this reason, younger and newer drivers typically pay significantly more for car insurance compared to older, more experienced drivers. Drivers who maintain a clean driving record should see a decrease in their rate as they gain more experience behind the wheel. Rates are similar from age 30 to 60 but can increase at age 70 and older. Gender is also a factor in most states, though Michigan prohibits the usage of gender as an insurance rating component.
|
|
|
|
|---|---|---|
|
Age 16*
|
Avg. monthly full coverage premium in Michigan
$575
|
Avg. annual full coverage premium in Michigan
$6,898
|
|
Age 18
|
Avg. monthly full coverage premium in Michigan
$735
|
Avg. annual full coverage premium in Michigan
$8,823
|
|
Age 20
|
Avg. monthly full coverage premium in Michigan
$589
|
Avg. annual full coverage premium in Michigan
$7,069
|
|
Age 25
|
Avg. monthly full coverage premium in Michigan
$313
|
Avg. annual full coverage premium in Michigan
$3,753
|
|
Age 30
|
Avg. monthly full coverage premium in Michigan
$280
|
Avg. annual full coverage premium in Michigan
$3,359
|
|
Age 40
|
Avg. monthly full coverage premium in Michigan
$263
|
Avg. annual full coverage premium in Michigan
$3,161
|
|
Age 50
|
Avg. monthly full coverage premium in Michigan
$242
|
Avg. annual full coverage premium in Michigan
$2,908
|
|
Age 60
|
Avg. monthly full coverage premium in Michigan
$229
|
Avg. annual full coverage premium in Michigan
$2,753
|
|
Age 70
|
Avg. monthly full coverage premium in Michigan
$256
|
Avg. annual full coverage premium in Michigan
$3,068
|
*16-year-old calculated on parents' policy with discounts applied; 18- and 20-year-old are renters on their own policies with no discounts applied
Cost considerations for young drivers in Michigan
Young drivers who have less experience behind the wheel and may be more inclined to engage in risky behaviors such as texting while driving are likely to see higher average rates. Insurers compensate for the increased risk of accidents by charging more, with 16-year-olds paying the highest average rates. Drivers under 18 must remain on their parents' policy. College-aged students can obtain their own insurance but also have the option to stay on their parents’ policy as long as their permanent address is the family home.
Some insurers offer discounts focused on young drivers, which may help lower their rates. These may include discounts for earning good grades in high school or college or discounts for attending school away from home when they leave their car at home. Below are sample rates for young drivers, showing how the rates start to decline as they age out of their teens.
|
|
|
|---|---|
|
Age 16*
|
Avg. annual premium for drivers in MI
$6,898
|
|
Age 17
|
Avg. annual premium for drivers in MI
$6,487
|
|
Age 18
|
Avg. annual premium for drivers in MI
$6,126
|
|
Age 19
|
Avg. annual premium for drivers in MI
$5,864
|
|
Age 20
|
Avg. annual premium for drivers in MI
$5,701
|
*16-year-old calculated on parents' policy with discounts applied; 18- and 20-year-old are renters on their own policies with no discounts applied
|
|
|
|---|---|
|
Age 18
|
Avg. annual premium for drivers in MI
$8,823
|
|
Age 19
|
Avg. annual premium for drivers in MI
$7,531
|
|
Age 20
|
Avg. annual premium for drivers in MI
$7,069
|
*16-year-old calculated on parents' policy with discounts applied; 18- and 20-year-old are renters on their own policies with no discounts applied
| Age | Avg. annual premium difference for drivers on their own policy |
|---|---|
| Age 18 | 44 percent more |
| Age 19 | 28 percent more |
| Age 20 | 24 percent more |
*18- and 20-year-old are renters on their own policies with no discounts applied
How does driving record impact the cost of car insurance in Michigan?
Your driving record is another key factor carriers will consider when determining your rates. Drivers with clean driving records typically see the lowest average rates, while those with a minor infraction, like a standard speeding ticket, see a slight jump. Those with a serious incident, like a DUI or OWI (operating while intoxicated) conviction, may see rates nearly double the state average in Michigan. Driving without insurance is illegal in Michigan, and may result in fines and other penalties. Drivers in Michigan who have had their license suspended may be required by the state to carry SR-22 insurance.
|
|
|
|
|---|---|---|
|
Clean driving record
|
Avg. annual premium in Michigan*
$3,161
|
Percentage increase from Michigan avg. annual premium*
0%
|
|
Avg. annual premium in Michigan*
$3,813
|
Percentage increase from Michigan avg. annual premium*
21%
|
|
|
Avg. annual premium in Michigan*
$4,639
|
Percentage increase from Michigan avg. annual premium*
47%
|
|
|
Avg. annual premium in Michigan*
$7,993
|
Percentage increase from Michigan avg. annual premium*
153%
|
*The rates reflected are for full coverage policies.
Michigan car insurance rates by vehicle type
The make, model and year of the vehicle you choose will also factor into your Michigan car insurance rates. Consider this table with several vehicle types to illustrate how the make and model of your car could impact your insurance cost. In general, drivers with luxury vehicles or models that cost more to repair will see higher average insurance rates.
|
|
|
|---|---|
|
Avg. annual premium in Michigan*
$3,161
|
|
|
Avg. annual premium in Michigan*
$2,957
|
|
|
Avg. annual premium in Michigan*
$2,698
|
|
|
BMW 330i
|
Avg. annual premium in Michigan*
$3,943
|
|
Toyota Prius
|
Avg. annual premium in Michigan*
$3,151
|
*Rates reflect full coverage policies.
Estimate your car insurance cost in Michigan
Shopping for the best Michigan car insurance rates can be complicated since there are a number of factors to consider. You may find Bankrate's cost estimator valuable. By inputting a few key numbers, you will receive an estimate of what you may pay for your policy. It likely won't be an exact number but can help give you a good idea of your potential costs.
Calculate your monthly car insurance payment
Get a quick estimate to make sure you're not overpaying.
These factors have the largest impact on your payment and are used to provide a personalized estimate. Based on the state you live in, some rating factors may not apply.
Why we're asking
We calculated your estimate by comparing your provided details to data from similar drivers. Our estimate assumes 2020 Toyota Camry, 12,000 miles annually, and 100/300/50 liability limits with $500 comprehensive and collision deductibles.
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How to save on car insurance in Michigan
There are a number of ways Michigan drivers may be able to get cheap car insurance. Here are some options to consider:
- Improve your driving skills: Taking a driver training course may help you reduce your rates. Even if you do not take a course, avoiding accidents, moving violations 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.
- Review your coverage annually. The lowest rate one year may not be the lowest rate the next year. Instead of allowing your policy to auto-renew without looking at it, get new quotes from a few providers every year. It takes just a few minutes and could help you uncover savings with a different insurer.
- Research available discounts: Car insurance companies often offer discounts for eligible drivers. Finding and qualifying for discounts may help you save on auto insurance rates. Some discounts, like claims-free discounts, may take time to qualify for. However, other common ones, like paperless billing, typically have much easier qualification requirements.
There are many other potential auto insurance discounts such as bundling home and auto coverage, multi-vehicle, senior discounts and discounts for paying premiums in an annual lump sum or by automatic deduction from a bank or credit card account. Ask what discounts carriers you are interested in might offer.
Frequently asked questions
46
years of industry expertise
122
carriers reviewed
34.5K
ZIP codes examined
1.2M
quotes analyzed
Methodology
Bankrate utilizes Quadrant Information Services to analyze February 2025 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Rates are weighted based on the population density in each geographic region. Quoted rates for our base profile are based on the following characteristics and full coverage limits:
40 year old
Single male and female driver
2023 Toyota Camry
Primary vehicle
Good credit score
Clean driving record
Commutes 5 days
Bodily injury liability
$100,000 per person$300,000 per accident
Property damage liability
$50,000 per accidentPersonal injury protection
$100,000 per accidentUninsured motorist bodily injury
$100,000 per person$300,000 per accident
Collision deductible
$500Comprehensive deductible
$500Other profiles
To determine minimum coverage limits, Bankrate used minimum coverage that meets each state’s requirements. These are sample rates and should only be used for comparative purposes. Your quotes will differ.