We've outlined essential tips to help you shop for car insurance with confidence and save money.
Car Insurance Calculator Michigan
Updated: May 12, 2025
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Get Michigan Car Insurance Estimates
MoneyGeek's car insurance calculator will give you a customized estimate of your auto insurance cost. It's free to use, requires no personal information and we won't send you any spam.
$155
High
$114
Average
$64
Low
Rates updated:
Jun 06, 2025
| Insurance Carrier | MoneyGeek ScoreMG Score | Average Monthly Payment | |
|---|---|---|---|
| 1 | 92 /of 100 | $64 | |
| 2 |  GEICO | 74 /of 100 | $94 |
| 3 |  Nationwide | 88 /of 100 | $104 |
| 4 | 67 /of 100 | $127 | |
| 5 |  Foremost | 70 /of 100 | $138 |
| 6 | 71 /of 100 | $155 |
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Key Takeaways
Insurers in Michigan will calculate your car insurance estimates based mainly on your vehicle, age, location, driving record, credit score and coverage level chosen.
Our car insurance costs estimates in Michigan can range anywhere from $825 to $4,817 per year depending on a variety of factors.
To get the best deal on Michigan car insurance, we recommend deciding on your coverage needs beforehand, researching rates and discounts and getting multiple provider quotes.
How To Calculate Michigan Car Insurance Costs and Save Money
Decide Coverage Needs Beforehand
To avoid being pushed into unnecessary high coverage, determine your coverage needs before shopping. Consider your location, driving habits, vehicle type and financial situation to assess costs. Use our calculator to find out how much coverage you need.
Research Costs and Discounts for You
Check the average car insurance costs in Michigan for your chosen coverage level and driver profile to understand your savings when comparing quotes. Also, look for auto insurance discounts you might qualify for to ask agents about personal savings options.
Research the Cheapest Providers for You
After determining your coverage level and researching costs, begin obtaining provider estimates. This helps you identify where to start comparing quotes and find the cheapest car insurance in Michigan for you. Use our car insurance calculator for personalized estimates.
Compare Multiple Providers Through Many Avenues
Comparing multiple providers can lead to significant savings in Michigan. Our research indicates savings of up to 54% on full coverage and 57% on minimum coverage. Use various methods like comparison sites, independent brokers, insurer websites and direct agencies because prices can vary for the same coverage.
Take Advantage of Michigan-Specific Programs
If you're a high-risk driver, Michigan provides a Basic Driver Improvement Course that may minimize your increased rates. Insurance points differ depending on the violation.
Consider Non-Traditional Coverage Options
Options like pay-per-mile insurance are great for those who drive less. Many companies offer telematics insurance, which tracks driving habits and offers discounts up to 40% for good driving. Automakers also provide insurance programs that might save you money compared to traditional options and include more benefits.
What Affects Your Michigan Car Insurance Estimates?
Your car insurance premium in Michigan is calculated based on four core areas: vehicle details, your driver profile, location and the provider you choose. Click the links below to learn more about how each affects rates for Michigan drivers:
How Much Does Provider Chosen Affect Michigan Car Insurance Estimates?
The provider you choose is the most influential factor affecting car insurance estimates and quotes in Michigan. Depending on the provider, your rates can drop 46% or increase by as much as 107% compared to the average for drivers in the state.
| Lowest | GEICO | $86 | $1,027 |
| Highest | Hanover | $329 | $3,953 |
How Much Does Age Affect Michigan Car Insurance Estimates?
After your provider, age is the second most important factor for determining car insurance rates for Michigan drivers. Depending on your age, your rates can go up as much as 133% or decrease by as much as 51% compared to state averages. No matter which state you're in, car insurance will typically be highest when you are 16, and decrease from there until you are 65.
| Lowest | 65 | $145 | $1,742 |
| Highest | 16 | $650 | $7,802 |
How Much Does Credit Affect Michigan Car Insurance Estimates?
We found that compared to other factors, credit scores are the third most impactful when insurance companies are determining rates. Depending on your credit, we found that in Michigan, rates can vary from $136 to $401 monthly for full coverage, but as your credit score goes up, your rates will go down.
| Lowest | Excellent | $136 | $1,630 |
| Highest | Poor | $401 | $4,817 |
How Much Does Coverage Affect Michigan Car Insurance Estimates?
Coverage is the fourth most important factor in determining auto insurance rates in Michigan, causing rates to vary anywhere from $825 per year for minimum coverage to $2,243 yearly for maximum coverage. Essentially, the higher your coverage level is for liability auto insurance, and the lower your deductible is for collision and comprehensive coverages, the more expensive pricing gets.
| Lowest | State Minimum Liability Only | $69 | $825 |
| Highest | 300/500/300 Full Cov. w/$500 Ded. | $187 | $2,243 |
How Much Does Driving Record Affect Michigan Car Insurance Estimates?
Your driving record is the fifth most influential factor changing car insurance rates in Michigan with rates changing up to 55%. Depending on how many violations you have and the severity of them if you do, rates will vary widely.
| Lowest | Clean | $159 | $1,905 |
| Highest | DUI - BAC >= .08 | $385 | $4,617 |
Michigan Car Insurance Calculator: Bottom Line
Before you use our car insurance calculator, we recommend checking out costs, coverage options and companies. Then, gather lots of quotes. Compare these quotes with our estimates, side by side, to find the best and most affordable plan for you.
Michigan Car Insurance Estimate: FAQ
Below you will find answers to common questions about Michigan car insurance costs and estimates.
What is used to determine Michigan car insurance costs?
Personal details such as your age, credit score, driving record, the vehicle you drive and location affect how your rates are calculated the most. From there, the provider you choose and the coverage level you want influence exactly how much you will pay past that.
How much is Michigan car insurance on average?
Michigan car insurance averages from $100 per month to up to $400 monthly, reflecting a broad spectrum of driving histories and coverage preferences. The lower end of $100 monthly represents the most cost-effective state minimum coverage for a driver with a clean record and favorable factors.
How do I get the best car insurance in Michigan?
To secure the best car insurance in Michigan, execute detailed comparisons of coverage levels, evaluate insurers' reputations and offerings, and utilize tools like insurance calculators for optimal pricing.
Our Michigan Car Insurance Estimate Methodology
For all costs and modifications of cost profiles presented, we used the following base profile:
- 40 years old
- Good credit
- Drives a 2012 Toyota Camry
- Clean driving record
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.