Car Insurance in Michigan
Michigan drivers spend an average of $1,444 a year on auto insurance according to the NAIC — ▲ +13% versus the national average of $1,282, ranking 12th most expensive of 51. The state requires 50/100/10 liability coverage and follows a no-fault system.
Average car insurance cost in Michigan
The NAIC average expenditure is what insured drivers actually paid on average, including people who carry only liability. For those who buy each coverage, the average premium was $766 for liability, $570 for collision and $237 for comprehensive ($1,573 combined, versus $1,439 nationally). That average expenditure is 8% higher than the NAIC's previous data year ($1,340).
Minimum car insurance requirements in Michigan
Michigan's minimum is written as 50/100/10: $50,000 per person / $100,000 per accident in bodily injury liability and $10,000 in property damage liability. Moving up to 100/300/100 limits would cost about $160 more a year by our estimate.
| Coverage | Required? | Minimum | What it pays for |
|---|---|---|---|
| Bodily injury liability | Yes | $50,000 per person / $100,000 per accident | Injuries you cause to other people |
| Property damage liability | Yes | $10,000 | Damage you cause to other vehicles and property |
| Personal injury protection (PIP) | Yes | — Personal injury protection is required; drivers choose a PIP medical level (unlimited, $500,000, $250,000, or lower options for eligible drivers). | Your own medical bills and lost wages, regardless of fault |
| Uninsured motorist (UM) | No | — Uninsured motorist coverage is optional. | Your injuries when the at-fault driver has no insurance |
| Underinsured motorist (UIM) | No | — Underinsured motorist coverage is optional. | The gap when the at-fault driver’s limits are too low |
| Medical payments (MedPay) | No | — Medical expenses are covered through required PIP. | Medical bills for you and your passengers |
Property protection insurance (PPI) of up to $1 million for damage your vehicle does to property in Michigan is required. Policies default to 250/500 bodily injury limits unless the insured selects lower limits in writing.
Compare with another state
Is Michigan a no-fault state?
Yes. Michigan is a no-fault state: PIP pays your own injury costs regardless of fault, and you can sue for pain and suffering only for serious impairment of body function, permanent serious disfigurement or death (verbal threshold).
In practice: keep your PIP limits in mind — they pay first for you and your passengers, while your liability coverage still pays for damage you cause to other vehicles and property.
Uninsured drivers in Michigan
The Insurance Research Council estimates 22.3% of Michigan drivers are uninsured — 4th highest in the country, compared with 15.4% nationally. That's roughly one uninsured driver in every 4 on the road. Uninsured motorist (UM) coverage isn't mandatory here (Uninsured motorist coverage is optional), but with an above-average uninsured rate it is worth pricing.
SR-22 requirements in Michigan
Drivers who must prove financial responsibility after a DUI, an uninsured crash or a serious violation file proof of insurance through their insurer. Confirm the exact form and how long it must be kept with the Michigan Department of Insurance and Financial Services or your state motor vehicle agency.
By our model, a driver in their 30s with a DUI would pay about $1,440 a year for minimum coverage in Michigan, versus $765 with a clean record. What is SR-22 insurance?
Estimate your premium in Michigan
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Car insurance by city in Michigan
We cover 16 Michigan cities. Estimates are for full coverage for a driver in their 30s with a clean record; hover a city to find it on the map. The lowest estimate is in Battle Creek ($1,735) and the highest in Detroit ($1,975).
- DetroitPop. 645,705 · Wayne County$1,975+14% vs state
- Grand RapidsPop. 200,117 · Kent County$1,870+8% vs state
- WarrenPop. 137,686 · Macomb County$1,960+13% vs state
- Sterling HeightsPop. 134,342 · Macomb County$1,950+13% vs state
- Ann ArborPop. 122,925 · Washtenaw County$1,885+9% vs state
- LansingPop. 114,336 · Ingham County$1,825+5% vs state
- DearbornPop. 106,377 · Wayne County$1,910+10% vs state
- LivoniaPop. 93,113 · Wayne County$1,905+10% vs state
- WestlandPop. 82,745 · Wayne County$1,970+14% vs state
- FlintPop. 79,735 · Genesee County$1,870+8% vs state
- KalamazooPop. 73,290 · Kalamazoo County$1,820+5% vs state
- Battle CreekPop. 52,205 · Calhoun County$1,7350% vs state
- East LansingPop. 48,964 · Ingham County$1,800+4% vs state
- SaginawPop. 43,001 · Saginaw County$1,815+5% vs state
- MuskegonPop. 37,287 · Muskegon County$1,830+6% vs state
- Bay CityPop. 32,086 · Bay County$1,870+8% vs state
Estimated cost by driver profile in Michigan
Age and driving record move premiums more than almost anything else. A teen on their own policy pays about 2.8× what a driver in their 30s pays for the same full coverage in Michigan.
| Driver | Minimum | Standard | Full coverage | Full / month |
|---|---|---|---|---|
| Teen driver (18, own policy) | $2,105 | $2,545 | $4,765 | $397 |
| Young adult (22) | $1,225 | $1,480 | $2,770 | $231 |
| Adult in their 30s | $765 | $925 | $1,730 | $144 |
| Adult in their 50s | $705 | $850 | $1,595 | $133 |
| Senior (72) | $860 | $1,035 | $1,940 | $162 |
| 30s, one at-fault accident | $1,110 | $1,340 | $2,510 | $209 |
| 30s, DUI on record | $1,415 | $1,710 | $3,205 | $267 |
By coverage level
| Coverage level | What it includes | Per year | Per month | Typical range |
|---|---|---|---|---|
| State minimum liability | Only the liability (and PIP/UM where required) limits your state mandates. No coverage for your own car. | $765 | $64 | $630–$905 |
| Standard liability (100/300/100) | Higher liability limits plus uninsured motorist coverage. Still no coverage for damage to your own car. | $925 | $77 | $760–$1,090 |
| Full coverage | Standard liability plus collision and comprehensive, typically required on a financed or leased car. | $1,730 | $144 | $1,420–$2,045 |
Cheapest and most expensive cars to insure in Michigan
Full-coverage estimates for current models, using HLDI insurance-loss data where available. Vehicle choice alone can swing the premium by more than $3,705 a year here.
| Model | Segment | Est. / year |
|---|---|---|
| GMC Acadia | Midsize SUV | $1,130 |
| Chevrolet Traverse | Midsize SUV | $1,150 |
| Subaru Forester | Small SUV | $1,260 |
| Subaru Crosstrek | Small SUV | $1,270 |
| Subaru Outback | Wagon | $1,285 |
| Honda Pilot | Midsize SUV | $1,285 |
| Honda CR-V | Small SUV | $1,300 |
| MINI Cooper | Subcompact car | $1,315 |
| Acura RDX | Luxury SUV | $1,370 |
| Ford Bronco | Midsize SUV | $1,375 |
| Model | Segment | Est. / year |
|---|---|---|
| BMW M4 | Luxury sports car | $4,835 |
| BMW M3 | Luxury car | $4,785 |
| Lamborghini Urus | Luxury SUV | $4,515 |
| BMW 7 Series | Luxury car | $4,140 |
| Mercedes-Benz S-Class | Luxury car | $3,350 |
| Lucid Air | Luxury car | $3,215 |
| Audi RS 7 | Luxury car | $2,790 |
| Mercedes-Benz G-Class | Luxury SUV | $2,775 |
| Porsche Taycan | Luxury sports car | $2,640 |
| Mercedes-Benz SL-Class | Luxury sports car | $2,575 |
Cheap car insurance in Michigan: how to lower your rate
- Raise your deductible. Going from $500 to $1,000 on collision and comprehensive saves about $110 a year on a typical Michigan full-coverage policy.
- Match coverage to your car's value. On a 10-year-old car, dropping collision and comprehensive could cut the bill from about $1,370 to $925.
- Drive less, pay less. Low-mileage and usage-based programs can save around $120 a year if you drive under 7,500 miles.
- Protect your record. A single speeding ticket adds roughly $385 a year in our model; an at-fault accident adds much more.
- Shop at renewal. Rates for the same driver differ widely between insurers. Compare identical limits and deductibles.
- Ask about discounts — bundling home and auto, good student, safe-driver, paid-in-full and defensive-driving course discounts. See common discounts.
Complaints and help: Michigan Department of Insurance and Financial Services
The Michigan Department of Insurance and Financial Services licenses insurers and agents, reviews rates and handles consumer complaints about claims, cancellations and billing — free of charge.
- Website
- www.michigan.gov
- File a complaint
- Consumer complaint page
- Consumer helpline
- 1-833-275-3437
Michigan vs. neighboring states
Frequently asked questions
How much is car insurance in Michigan?
NAIC data puts the average Michigan auto insurance expenditure at $1,444 a year, 13% more than the national average of $1,282 (rank 12 of 51, where 1 is the most expensive). Our estimate for full coverage for a driver in their 30s with a clean record is about $1,730 a year ($144 a month); state-minimum liability is about $765.
What is the minimum car insurance required in Michigan?
Michigan requires at least 50/100/10 liability coverage: $50,000 per person / $100,000 per accident for bodily injury and $10,000 for property damage, plus personal injury protection (PIP).
Is Michigan a no-fault state?
Yes. Michigan is a no-fault state: PIP pays your own injury costs regardless of fault, and you can sue for pain and suffering only for serious impairment of body function, permanent serious disfigurement or death (verbal threshold).
How many drivers in Michigan are uninsured?
The Insurance Research Council estimates that about 22.3% of Michigan drivers are uninsured, ranking 4th in the nation (national estimate: 15.4%).
Which Michigan city has the cheapest car insurance?
Among the 16 cities we cover, Battle Creek has the lowest full-coverage estimate at about $1,735 a year, while Detroit is the highest at about $1,975. Differences come from population density, commute length and local weather risk.
How much does car insurance cost for a teen driver in Michigan?
An 18-year-old on their own full-coverage policy would pay roughly $4,765 a year in Michigan by our estimate, or about $2,105 for minimum coverage. Joining a parent's policy usually costs less.
How do I file a complaint against a car insurance company in Michigan?
Contact the Michigan Department of Insurance and Financial Services (consumer line 1-833-275-3437). It handles consumer complaints about claims, cancellations and rates at no cost.
How we estimate this
We start from the state's average liability, collision and comprehensive premiums published by the NAIC, then apply a location factor (population density and commute time from the Census ACS, weather hazard scores from FEMA's National Risk Index), a vehicle factor (HLDI insurance-loss data where available, otherwise vehicle segment), and a driver-profile multiplier. Results are rounded ranges for comparison, not quotes. Read the full methodology.
- Michigan DIFS: Choosing Bodily Injury Coverage
- Michigan DIFS: Choice of Bodily Injury Liability Coverage Limits form
- Michigan DIFS: What auto insurance coverage do I have to purchase?
- Michigan DIFS: Auto Insurance Reform FAQ
- Michigan DIFS: Filing a Complaint
- NAIC 2022/2023 Auto Insurance Database Report
- NAIC Homeowners Insurance Report: Data for 2023
- Insurance Research Council uninsured motorist estimates (via Triple-I)
- IIHS Fatality Facts: state by state
- FBI Crime Data Explorer: Crime in the United States 2025 (Table 4)
- NICB 2022 Vehicle Theft Data: top 10 stolen vehicles by state
- FHWA Highway Statistics 2024, Table DL-1C (licensed drivers)
- FHWA Highway Statistics 2024, Table MV-1 (registrations)
- FHWA Highway Statistics 2024, Table VM-2 (vehicle-miles traveled)
- U.S. Census Bureau Vintage 2024 population estimates
- U.S. Census Bureau: population estimates and American Community Survey
- FEMA National Risk Index