Michigan Car Insurance Cost for 2025

What is the average car insurance cost in Michigan? We break down insurance rates by vehicle segment to find the models with cheap auto insurance quotes.

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  • Michigan car insurance rates average $2,858 per year for full coverage, or about $238 on a monthly basis.
  • When compared to other midwestern states, Michigan ranks last out of 12 total states. It also ranks 50th when compared to all 50 U.S. states.
  • As if car insurance for middle-age drivers wasn’t already expensive enough, the average cost to insure teen drivers in Michigan ranges from $6,805 to $10,179 per year, depending on age and gender.

How much does car insurance cost in Michigan?

The average cost of car insurance in Michigan is $2,858 per year, which is 25.1% higher than the U.S. average car insurance rate of $2,221.

The cost of car insurance per month in Michigan can range from $167 to $557. Rates are dependent on the make, model, and year of vehicle you are insuring, as well as factors like your driving record, age, previous insurer, and coverage limits.

Average annual and monthly car insurance rates for the top five most popular vehicles in the state of Michigan are shown below.

  1. Ford F-150 pickup – $3,198 per year ($267 per month)
  2. Chevrolet Equinox compact SUV – $2,634 per year ($220 per month)
  3. Ram 1500 pickup – $3,304 per year ($275 per month)
  4. Chevrolet Silverado pickup – $3,160 per year ($263 per month)
  5. Chevrolet Blazer – $2,948 per year ($246 per month)

Other common models found on the road include the Nissan Sentra at an average cost of $2,620 per year, the Subaru Outback at $2,436, the Toyota Highlander at $2,602, the Honda Accord at $2,762, and the Jeep Grand Cherokee at $2,858 per year.

Luxury models like the BMW X5, the Audi A8, and the Tesla Model S have an average car insurance cost of $3,652 per year for the X5, $4,860 per year for the A8, and $3,746 per year for the Tesla Model S.

The chart below shows average auto insurance cost in Michigan broken out by driver age and policy deductible limits. Rates are averaged for all 2024 vehicle models including luxury cars and SUVs.

Average full-coverage car insurance premium in Michigan for different ages of drivers.
Figure 1: Average full-coverage car insurance premium in Michigan for different ages of drivers. Rates updated on June 27, 2025.

Get Rates in Your AreaWhy is this important?

Data Methodology: Average premiums are based on all 2024 model year vehicles. Rates assume a clean driving record and no claims or at-fault accidents. Comprehensive and collision coverage is included as well as UM/UIM and medical payments coverage. Premiums are averaged across all Michigan Zip Codes.

Average Car Insurance Cost in Michigan
Driver Age Deductible Annual Premium Cost Per Month
20$1,000$4,864$405
$500$5,748$479
$250$6,684$557
30$1,000$2,556$213
$500$3,050$254
$250$3,564$297
40$1,000$2,404$200
$500$2,858$238
$250$3,330$278
50$1,000$2,142$179
$500$2,534$211
$250$2,942$245
60$1,000$2,006$167
$500$2,374$198
$250$2,754$230

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all Michigan Zip Codes. Updated June 27, 2025

As shown in the chart, the average cost of auto insurance ranges from $2,006 per year for a 60-year-old driver with a policy with high deductibles to $6,684 per year for a 20-year-old driver with low physical damage deductibles. From a monthly standpoint, the data above ranges from $167 to $557 per month.

Car insurance costs for teenagers in Michigan are not included in the data above, but average rates range from $6,805 per year for a 19-year-old female driver up to $10,179 per year for a 16-year-old male driver.

For 17 and 18-year-old drivers, average car insurance in Michigan will cost $9,449 to $9,860 per year for 17-year-olds and $8,157 to $8,838 per year for 18-year-olds. Rates will fluctuate considerably based on the vehicle driven, and insuring an older model vehicle for a teen driver will generally cost less than insuring a newer model.

Why is car insurance in Michigan so expensive?

When compared to surrounding states, Michigan car insurance costs 37.9% more than Ohio, 33.7% more than Indiana, 24.8% more than Minnesota, 23.3% more than Illinois, and 36.4% more than Wisconsin.

When compared to states outside of the northern midwest region, the average cost of car insurance in Michigan is 3.7% more expensive than Florida, 19.1% more than Oregon, 46.3% more than Maine, 12.8% more than Georgia, and 19.5% more expensive than Texas.

Why is it so expensive to buy car insurance in Michigan? There are several reasons.

  1. Michigan is a no-fault car insurance state, which means your insurance company pays even if an accident was not  your fault. Car insurance in no-fault states tends to be higher than states which use a traditional tort liability system.
  2. Michigan requires Personal Injury Protection (PIP) coverage. This coverage can pay unlimited lifetime medical benefits, which averages over $500,000 for injured people.
  3. Due to Michigan’s no-fault system and mandatory PIP coverage, there is wide-spread insurance fraud which ends up pushing rates even higher.
  4. Michigan has some of the highest incidents of uninsured drivers. Almost 20% of drivers in Michigan are uninsured, which means law-abiding policyholders have to foot the bill for those drivers as well.

The chart below illustrates the excessive cost of Michigan car insurance and why reform is needed to curb the burden placed on drivers. It’s no wonder so many drivers go without car insurance, as the monthly cost of car insurance in Michigan can be as high as the car payment itself.

Average cost of car insurance in Michigan compared to other Midwest region states.
Figure 2: Average cost of car insurance in Michigan compared to other Midwest region states. Rates updated on June 27, 2025.
Average Car Insurance Cost in Michigan Compared to Midwest Region
Midwest Region States Average Annual Premium Cost Difference
Iowa$1,898-$960
Ohio$1,948-$910
Wisconsin$1,978-$880
Indiana$2,034-$824
North Dakota$2,174-$684
Nebraska$2,188-$670
Minnesota$2,228-$630
Illinois$2,262-$596
Kansas$2,450-$408
South Dakota$2,524-$334
Missouri$2,698-$160
Michigan$2,858--

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all 2024 model year vehicles and also for all Michigan Zip Codes. Updated June 27, 2025

Michigan car insurance cost by vehicle segment

The chart below shows average car insurance rates in Michigan for different vehicle segments like compact cars, midsize pickups, and full-size SUVs.

Rates range from an average of around $2,626 per year for the compact SUV segment, which includes models like the Honda CR-V, Toyota RAV4, and Ford Escape, up to the most expensive average rates that range from $3,928 to $4,572 per year on sports cars and luxury cars like the Porsche 911, Acura NSX, and Mercedes-Benz AMG series of vehicles.

Car insurance average cost by automotive segment in Michigan.
Figure 3: Car insurance average cost by automotive segment in Michigan. Rates updated on June 27, 2025.

Data Methodology: Car insurance premium by automotive segment is based on 2024 model year vehicles. The rated driver is a 40-year-old male with no driving violations or at-fault accidents in the prior three years. Comprehensive and collision deductibles are $500 and rates are averaged for all Michigan Zip Codes.

Car Insurance Rates by Automotive Segment in Michigan
Automotive Segment Annual Premium Cost Per Month
Compact SUV$2,626$219
Midsize SUV$2,822$235
Compact Car$2,824$235
Minivan$2,826$236
Midsize Pickup$2,886$241
Midsize Car$2,916$243
Compact Luxury SUV$3,102$259
Compact Luxury Car$3,144$262
Large SUV$3,154$263
Half-ton Pickup$3,166$264
Heavy Duty Pickup$3,288$274
Midsize Luxury SUV$3,394$283
Midsize Luxury Car$3,506$292
Sports Car$3,928$327
Large Car$4,108$342
Large Luxury SUV$4,426$369
Large Luxury Car$4,572$381

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all 2024 model year vehicles and also for all Michigan Zip Codes. Updated June 27, 2025

The list below shows the cheapest vehicles to insure in Michigan for each automotive segment.

Which vehicles have cheap car insurance in Michigan?

With the high cost of car insurance in Michigan, it makes sense to buy a car that has cheap insurance rates. Compact SUVs like the Subaru Crosstrek, Chevrolet Trailblazer, Kia Soul, and Nissan Kicks will have some of the cheapest car insurance quotes in Michigan.

Average car insurance prices for those crossover SUVs cost $2,250 or less per year, or $188 per month, to have full coverage.

Additional models that have affordable insurance prices in our cost comparison are the Ford Bronco Sport, Kia Niro, Honda CR-V, and Buick Envista. The average cost is a little bit more for those models than the cheapest crossover SUVs at the top of the rankings, but they still have an average cost of $2,488 or less per year ($207 per month) in Michigan.

The table below ranks the top 50 cheapest vehicles to insure in Michigan for the 2024 model year.

Top 50 Cheapest Car Insurance Rates in Michigan
Rank Make/Model Annual Premium Cost Per Month
1Subaru Crosstrek$2,112$176
2Chevrolet Trailblazer$2,148$179
3Kia Soul$2,232$186
4Nissan Kicks$2,250$188
5Honda Passport$2,278$190
6Buick Envision$2,290$191
7Toyota Corolla Cross$2,304$192
8Hyundai Venue$2,322$194
9Mazda CX-5$2,332$194
10Ford Bronco Sport$2,342$195
11Volkswagen Tiguan$2,364$197
12Acura RDX$2,390$199
13Nissan Murano$2,402$200
14Buick Encore$2,428$202
15Subaru Outback$2,436$203
16Honda CR-V$2,438$203
17Buick Envista$2,446$204
18Volkswagen Taos$2,450$204
19Kia Niro$2,462$205
20Toyota GR Corolla$2,484$207
21Honda HR-V$2,488$207
22Subaru Ascent$2,488$207
23Nissan Leaf$2,504$209
24Chevrolet Colorado$2,518$210
25Lexus NX 250$2,530$211
26Honda Civic$2,532$211
27Volkswagen Atlas$2,534$211
28Acura Integra$2,542$212
29Subaru Forester$2,544$212
30Volkswagen Atlas Cross Sport$2,546$212
31Kia Seltos$2,554$213
32GMC Terrain$2,558$213
33Nissan Rogue$2,570$214
34Hyundai Kona$2,574$215
35Mazda CX-30$2,578$215
36Cadillac XT4$2,582$215
37Ford Explorer$2,594$216
38Volkswagen ID4$2,594$216
39Toyota Highlander$2,602$217
40Ford Escape$2,610$218
41Toyota Venza$2,610$218
42Honda Odyssey$2,612$218
43Nissan Sentra$2,620$218
44Subaru Impreza$2,628$219
45Chevrolet Equinox$2,634$220
46Toyota RAV4$2,636$220
47Mazda MX-5 Miata$2,646$221
48Mazda MX-30$2,652$221
49Hyundai Tucson$2,656$221
50Chevrolet Traverse$2,668$222

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all Michigan Zip Codes. Updated June 26, 2025

Top 50 cheapest vehicles to insure in Michigan with the Subaru Crosstrek ranking first at $2,112 per year
Top 50 cheapest vehicles to insure in Michigan with the Subaru Crosstrek ranking first at $2,112 per year

The charts below show average auto insurance rates for five of the more common vehicles you’ll find driving on Michigan roads. We analyze rates in detail for the Chevrolet Silverado, Toyota RAV4, Ford Expedition, Honda Accord, and Ford Mustang.

Chevrolet Silverado insurance rates

Chevrolet Silverado insurance in Michigan costs an average of $3,160 per year and ranges from $2,618 to $7,336 per year for the sample driver risk profiles shown in the chart below.

The Chevrolet Silverado is considered a full-size truck, and other popular models include the Ford F150, Toyota Tundra, Ram Truck, GMC Sierra, and Nissan Titan.

Average 2024 Chevrolet Silverado insurance premiums in Michigan for different driver ages and risk scenarios.
Figure 4: Average 2024 Chevrolet Silverado insurance premiums in Michigan for different driver ages and risk scenarios. Rates updated on June 26, 2025.

Data Methodology: Average rates are for a 2024 model year Chevrolet Silverado with safe driver and claim-free discounts applied to qualifying risk profiles. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others which vary by company. Comprehensive and collision deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Average Chevrolet Silverado car insurance cost in Michigan includes all Zip Codes and vehicle trim levels.

2024 Chevrolet Silverado Insurance Cost in Michigan
Driver Risk Profile Annual Premium Cost Per Month
High Risk Driver Age 30$7,336$611
Safe Driver Age 20$6,420$535
At-fault Accidents Age 40$4,516$376
Low Deductibles Age 40$4,078$340
Safe Driver Age 30$3,364$280
Safe Driver Age 40$3,160$263
Safe Driver Age 50$2,810$234
High Deductibles Age 40$2,692$224
Safe Driver Age 60$2,628$219
Discount Rate Age 40$2,618$218

Data Methodology: Comprehensive and collision deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others which vary by company. Rates are averaged for all 2024 Chevrolet Silverado trim levels. Updated June 26, 2025

Toyota RAV4 insurance rates

Toyota RAV4 car insurance rates in Michigan range from $2,190 to $6,064 per year for the driver profiles in the chart below. Toyota RAV4 insurance costs an average of $2,636 per year or $220 per month in Michigan.

The Toyota RAV4 is part of the compact SUV segment, and other popular models include the Chevrolet Equinox, Mazda CX-5, Nissan Rogue, Ford Escape, and Subaru Forester.

Average 2024 Toyota RAV4 insurance premiums in Michigan for different driver ages and risk scenarios.
Figure 5: Average 2024 Toyota RAV4 insurance premiums in Michigan for different driver ages and risk scenarios. Rates updated on June 27, 2025.

Data Methodology: Average rates are for a 2024 model year Toyota RAV4 with safe driver and claim-free discounts applied to qualifying risk profiles. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others which vary by company. Comprehensive and collision deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Average Toyota RAV4 car insurance cost in Michigan includes all Zip Codes and vehicle trim levels.

2024 Toyota RAV4 Insurance Cost in Michigan
Driver Risk Profile Annual Premium Cost Per Month
High Risk Driver Age 30$6,064$505
Safe Driver Age 20$5,300$442
At-fault Accidents Age 40$3,742$312
Low Deductibles Age 40$3,412$284
Safe Driver Age 30$2,806$234
Safe Driver Age 40$2,636$220
Safe Driver Age 50$2,344$195
High Deductibles Age 40$2,236$186
Safe Driver Age 60$2,194$183
Discount Rate Age 40$2,190$183

Data Methodology: Comprehensive and collision deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others which vary by company. Rates are averaged for all 2024 Toyota RAV4 trim levels. Updated June 27, 2025

Ford Expedition insurance rates

The chart below shows average Ford Expedition insurance rates in Michigan for different driver ages and risk profiles. Annual cost for this full-size SUV ranges from $2,562 to $7,056 per year for the example driver risk profiles, with average cost being $3,082 per year.

The Ford Expedition is definitely a large SUV and other similar models include the GMC Yukon, Chevrolet Suburban, Chevrolet Tahoe, Toyota Sequoia, and .

Average 2024 Ford Expedition insurance premiums in Michigan for different driver ages and risk scenarios.
Figure 6: Average 2024 Ford Expedition insurance premiums in Michigan for different driver ages and risk scenarios. Rates updated on June 26, 2025.

Data Methodology: Average rates are for a 2024 model year Ford Expedition with safe driver and claim-free discounts applied to qualifying risk profiles. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others which vary by company. Comprehensive and collision deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Average Ford Expedition car insurance cost in Michigan includes all Zip Codes and vehicle trim levels.

2024 Ford Expedition Insurance Cost in Michigan
Driver Risk Profile Annual Premium Cost Per Month
High Risk Driver Age 30$7,056$588
Safe Driver Age 20$6,180$515
At-fault Accidents Age 40$4,334$361
Low Deductibles Age 40$4,096$341
Safe Driver Age 30$3,298$275
Safe Driver Age 40$3,082$257
Safe Driver Age 50$2,722$227
Discount Rate Age 40$2,562$214
High Deductibles Age 40$2,558$213
Safe Driver Age 60$2,548$212

Data Methodology: Comprehensive and collision deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others which vary by company. Rates are averaged for all 2024 Ford Expedition trim levels. Updated June 26, 2025

Honda Accord insurance rates

Average Honda Accord insurance rates in Michigan as shown in the chart below range from $2,294 to $6,346 per year, with the average yearly cost for full coverage insurance being $2,762.

The Honda Accord is considered a midsize car, and other models in this segment include the Chevrolet Malibu, Kia K5, Toyota Camry, Hyundai Sonata, and Nissan Altima.

Average 2024 Honda Accord insurance premiums in Michigan for different driver ages and risk scenarios.
Figure 7: Average 2024 Honda Accord insurance premiums in Michigan for different driver ages and risk scenarios. Rates updated on June 27, 2025.

Data Methodology: Average rates are for a 2024 model year Honda Accord with safe driver and claim-free discounts applied to qualifying risk profiles. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others which vary by company. Comprehensive and collision deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Average Honda Accord car insurance cost in Michigan includes all Zip Codes and vehicle trim levels.

2024 Honda Accord Insurance Cost in Michigan
Driver Risk Profile Annual Premium Cost Per Month
High Risk Driver Age 30$6,346$529
Safe Driver Age 20$5,556$463
At-fault Accidents Age 40$3,902$325
Low Deductibles Age 40$3,638$303
Safe Driver Age 30$2,948$246
Safe Driver Age 40$2,762$230
Safe Driver Age 50$2,444$204
High Deductibles Age 40$2,312$193
Discount Rate Age 40$2,294$191
Safe Driver Age 60$2,290$191

Data Methodology: Comprehensive and collision deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others which vary by company. Rates are averaged for all 2024 Honda Accord trim levels. Updated June 27, 2025

Ford Mustang insurance rates

The average cost for Ford Mustang insurance in Michigan is $3,140 per year. The chart below shows rates for additional driver profiles with prices ranging from $2,604 to $7,188 per year.

The Ford Mustang is in the sports car segment which includes other models like the Subaru BRZ, Toyota Supra, Chevrolet Corvette, Chevrolet Camaro, and Nissan 370Z.

Average 2024 Ford Mustang insurance premiums in Michigan for different driver ages and risk scenarios.
Figure 8: Average 2024 Ford Mustang insurance premiums in Michigan for different driver ages and risk scenarios. Rates updated on June 26, 2025.

Data Methodology: Average rates are for a 2024 model year Ford Mustang with safe driver and claim-free discounts applied to qualifying risk profiles. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others which vary by company. Comprehensive and collision deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Average Ford Mustang car insurance cost in Michigan includes all Zip Codes and vehicle trim levels.

2024 Ford Mustang Insurance Cost in Michigan
Driver Risk Profile Annual Premium Cost Per Month
High Risk Driver Age 30$7,188$599
Safe Driver Age 20$6,284$524
At-fault Accidents Age 40$4,442$370
Low Deductibles Age 40$4,084$340
Safe Driver Age 30$3,348$279
Safe Driver Age 40$3,140$262
Safe Driver Age 50$2,788$232
High Deductibles Age 40$2,652$221
Safe Driver Age 60$2,606$217
Discount Rate Age 40$2,604$217

Data Methodology: Comprehensive and collision deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others which vary by company. Rates are averaged for all 2024 Ford Mustang trim levels. Updated June 26, 2025

Average rates in larger Michigan cities

Average annual and monthly car insurance rates are shown below for some of the larger cities in Michigan. Visit any page to see more detailed rate information, including the vehicles with the cheapest car insurance in each city.

Additional information and insurance insights

We covered a lot of ground regarding average car insurance rates in Michigan in this article. The list below includes some additional tidbits of data that readers may find useful when trying to save a few bucks on their next policy.

  • Car insurance is cheaper with higher deductibles. Raising your policy deductibles from $500 to $1,000 could save around $374 per year for a 40-year-old driver and $724 per year for a 20-year-old driver.
  • Decreasing deductibles costs more money. Decreasing your policy deductibles from $500 to $250 could cost an additional $388 per year for a 40-year-old driver and $268 per year for a 20-year-old driver.
  • Earn discounts to save money. Discounts may be available if you drive a vehicle with certain safety or anti-theft features, are claim-free, are a military or federal employee, belong to certain professional organizations, or many other discounts which could save as much as $910 per year on the average cost of Michigan car insurance
  • Save money due to your occupation. Just about all car insurance companies offer discounts for specific professions like engineers, scientists, members of the military, dentists, college professors, and others. Having this discount applied to your policy may save between $86 and $278 on your annual car insurance bill, depending on the age of the rated driver.
  • A good driving record pays dividends. To get the cheapest auto insurance rates in Michigan, it’s necessary to drive safe. Just one or two blemishes on your driving record could raise policy rates as much as $760 per year.