Updated: May 6, 2026
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Michigan ranks as more expensive than some states for car insurance because of its no-fault insurance system and high personal injury protection requirements that can push annual premiums well above the national average. Your location within Michigan, driving experience, age and driving record combine with these regulatory factors to determine your specific rate.
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Car insurance in Michigan ranges from $64 per month for minimum coverage to $138 per month for full coverage. Drivers in Michigan pay $159 more per year than the national average for full coverage and $38 above the national average for minimum coverage.
| Minimum Coverage | $64 | $60 | $764 | $726 |
| Full Coverage | $138 | $124 | $1,652 | $1,493 |
39 states have cheaper full coverage than Michigan, which ranks 40 out of 51 for affordability at $138 per month. The state sits just above Arizona at $136 per month and below Connecticut at $145 per month. While not among the most expensive states, Michigan falls on the pricier side compared to the national range of $75 per month in Vermont to $243 in Florida.
| Vermont | $75 | $902 | 1 |
| Arizona | $136 | $1,628 | 39 |
| Michigan | $138 | $1,652 | 40 |
| Connecticut | $145 | $1,745 | 41 |
| Florida | $243 | $2,912 | 51 |
A 2019 law allowing Michigan drivers to opt out of unlimited medical coverage through Personal Injury Protection helped reduce premiums, but the state's no-fault system still drives costs above national averages. The previous requirement for unlimited lifetime medical benefits made Michigan one of the most expensive states for car insurance, with average annual premiums exceeding $2,600 before the reform. High rates of insurance fraud and DUI violations continue to impact costs statewide, particularly affecting lower-income drivers who may struggle with the state's elevated premium requirements. Read More: Why Car Insurance in Michigan Is So Expensive.
GEICO offers the lowest full coverage rate in Michigan at $70 per month, making it the most affordable option for drivers in Michigan. Travelers comes in second at $79 per month, while Progressive rounds out the top three cheapest options at $107 per month. Shopping around can save Michigan drivers up to $45 per month compared to pricier options like Auto Owners at $115 per month. These rates use the same driver profile, so the differences represent real savings opportunities from switching carriers.
Read more: Cheapest and Best Car Insurance Companies in Michigan
| Travelers | $25 | $79 | $301 | $945 |
| Geico | $42 | $70 | $509 | $841 |
| AAA | $45 | $113 | $545 | $1,352 |
| Auto Owners | $57 | $115 | $679 | $1,384 |
| Progressive | $62 | $107 | $745 | $1,283 |
Rates vary so much between companies because each insurer runs its own formula to weigh risk factors: your driving record, location, age and vehicle. A company with a larger Michigan customer base has more local claims data to price driver profiles differently than insurers with fewer policies in the state. Some carriers prioritize clean-record drivers and offer competitive rates for low-risk profiles; others specialize in higher-risk drivers turned away elsewhere. Your cheapest option depends on your specific driver profile, so comparing quotes directly is the only way to find which insurer prices your risk most favorably.
Coverage level alone can shift your monthly premium by $135, from $73 for minimum liability to $208 for the highest tier. Adding comprehensive and collision coverage with a $1,000 deductible brings your monthly cost to $89, just $16 more than state minimum liability and enough to cover damage to your own vehicle.
One pattern worth knowing: lowering your deductible costs more than raising your liability limits. The priciest tier combines minimum liability with comprehensive and collision at a $0 deductible at $208 per month. Eliminating the deductible results in the largest premium increase of any coverage change.
| Minimum Liability Only | $73 | $874 |
| Min. liab. + comp/coll ($0 ded.) | $208 | $2,498 |
| 50/100/50 liability + comp/coll ($500 ded.) | $163 | $1,961 |
| 100/300/100 liability + comp/coll ($1,000 ded.) | $155 | $1,861 |
| Min. liab. + comp/coll ($250 ded.) | $177 | $2,119 |
| 300/500/300 liability + comp/coll ($1,500 ded.) | $161 | $1,936 |
| Min. liab. + comp/coll ($1,000 ded.) | $89 | $1,072 |
| Min. liab. + comp/coll ($2,000 ded.) | $133 | $1,591 |
Your deductible is the amount you pay out-of-pocket before your insurance company covers a claim. Higher deductibles lower your monthly premium, but you'll pay more if you file a claim for comprehensive or collision coverage.
Michigan requires drivers to carry minimum liability coverage of 50/100/10, meaning $50,000 in bodily injury coverage per person, $100,000 per accident and $10,000 in property damage coverage per accident. Personal injury protection is also required. This minimum coverage protects others when you cause an accident, but won't pay for damage to your own vehicle.
For example, the policy titled "100/300/100 liability + comp/coll ($1000 ded.)" breaks down as:
Learn more about types of car insurance coverages and how much car insurance you need to find the right protection level.
Detroit drivers pay $289 per month for full coverage, 109% above the state average of $138 and the highest rate in Michigan. Rates across the state's 10 most populous cities span $167 per month, a $2,004 annual gap between the most and least expensive locations. Ann Arbor has the lowest rates at $122 per month; Dearborn ranks second among the costliest cities at $235 per month.
| Ann Arbor | $122 | $58 |
| Grand Rapids | $123 | $58 |
| Lansing | $126 | $61 |
| Livonia | $140 | $65 |
| Flint | $166 | $78 |
| Westland | $171 | $80 |
| Sterling Heights | $184 | $96 |
| Warren | $202 | $105 |
| Dearborn | $235 | $112 |
| Detroit | $289 | $139 |
Detroit's $289 monthly rate reflects the city's high vehicle theft, dense traffic and elevated accident frequency. Ann Arbor's lower crime rates and less congested roads push its rate down to $122 per month, a $167 monthly gap, or $2,004 annually, separating Michigan's most and least expensive cities.
Adding a 16-year-old to a family policy in Michigan costs $7,437 per year for males and $7,437 for females. Both age and gender affect car insurance rates in the state, though rates are identical for teen boys and girls at this age. Michigan does not permit insurers to use gender as a pricing factor, so rates are identical for male and female teen drivers.
A 16-year-old on a family policy pays $7,437 per year compared to $8,352 on their own policy, saving $915 annually. Rates drop through the early 20s and level off around age 25, giving young drivers relief from the highest premiums within a decade.
| 16 | $8,352 | $7,437 |
| 17 | $7,088 | $7,249 |
| 18 | $6,486 | $6,898 |
| 19 | $5,189 | $6,591 |
| 20 | $4,751 | $6,422 |
| 21 | $3,782 | $5,766 |
| 22 | $3,646 | $5,604 |
| 23 | $3,391 | $5,595 |
| 24 | $3,253 | $5,332 |
| 25 | $2,772 | $4,515 |
Use our free calculator to estimate your Michigan car insurance cost based on your driver profile.
Full coverage in Michigan ranges from $155 per month for drivers with clean records to $468 after a DUI. A speeding violation brings the monthly cost to $212, a 37% increase, or $685 more per year. Most violations affect rates for three to five years, though the timeframe varies by violation type.
A DUI carries the steepest penalty: $468 per month, a 202% jump and $3,753 more annually than a clean record. Insurers treat violations as risk signals and price premiums accordingly.
| Clean Record | $155 | $1,861 | — |
| Accident (not at fault) | $166 | $1,987 | 7% |
| Texting While Driving | $194 | $2,331 | 25% |
| Speeding | $212 | $2,546 | 37% |
| Accident (at fault) | $216 | $2,592 | 39% |
| DUI | $468 | $5,614 | 202% |
Multiple violations in Michigan can trigger a high-risk classification, which narrows your insurer options and pushes premiums above what clean-record drivers pay.
Michigan is one of the few states where insurers are restricted from using your credit score to determine car insurance rates. State law prohibits companies from using credit scores to establish or maintain pricing for auto insurance policies.
Insurers may still use other risk factors, such as driving history, age, vehicle type and coverage level, to calculate premiums.
A Tesla Model Y costs $372 per month to insure in Michigan. This is $138 more per month than a Ford F-150. Planning your next vehicle purchase with insurance costs by vehicle in mind can save you money on coverage. Full coverage ranges from $234 per month for a Ford F-150 to $372 for a Tesla Model Y, with sedans like the Honda Civic falling in the middle at $240 per month.
Electric vehicles cost more to insure because parts and specialized repairs run higher than on conventional vehicles. The Tesla Model Y carries higher premiums partly due to battery replacement costs, advanced sensors and proprietary components that only Tesla-certified technicians can service.
| Ford F-150 | $121 | $1,457 | $234 | $2,811 |
| Honda Civic | $125 | $1,503 | $240 | $2,885 |
| Honda Accord | $130 | $1,565 | $250 | $3,001 |
| Toyota Camry | $136 | $1,628 | $260 | $3,119 |
| Toyota Prius | $139 | $1,673 | $268 | $3,212 |
| Toyota Rav4 | $147 | $1,761 | $281 | $3,376 |
| Tesla Model 3 | $171 | $2,054 | $328 | $3,939 |
| Tesla Model Y | $194 | $2,326 | $372 | $4,469 |
Your city, age, driving record and coverage level each affect what you pay for car insurance in Michigan. Together, they can shift your annual premium by hundreds of dollars.
Michigan car insurance ranges from $64 per month for minimum coverage to $138 for full coverage. Your actual rate depends on your driving record, age and coverage selection.
Michigan's no-fault insurance laws and unlimited Personal Injury Protection (PIP) requirements create some of the highest premiums nationwide. The state's uninsured driver rate of 20% compared to the national average of 13% forces covered drivers to pay more. Severe winter weather and high auto theft rates in Detroit further increase comprehensive and collision coverage costs.
We used this profile to determine auto insurance costs across all available ZIP codes and cities in Michigan:
Sections on cost by age and driving record use rates for those driver profiles, with all other factors held constant.
Minimum coverage is a state's minimum liability coverage. Full coverage is a policy with 100/300/100 liability limits and a $1,000 deductible for comprehensive and collision coverage.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty (P&C) Insurance Producer in Connecticut, is MoneyGeek's resident insurance expert. He has analyzed the insurance market for almost a decade, first with LendingTree and now with MoneyGeek, conducting original research on hundreds of insurance companies and millions of insurance rates for insurance shoppers.
He writes about economics and insurance on MoneyGeek, breaking down complex topics so people can have confidence in their purchase. Like all MoneyGeek analysts, Mark collects and analyzes independent cost and consumer experience data on insurance companies to provide objective recommendations in our content that are independent of any of MoneyGeek's insurance company partnerships.
His insights on products ranging from car, home and renters insurance to health and life insurance have been featured in The Washington Post, The New York Times and NPR, among others.
Mark holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He started his career working in financial risk management at State Street before transitioning to the analysis of the personal insurance market. He's also a five-time Jeopardy champion!
