Michigan Car Insurance Cost for 2022

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 $2,424 per year for full coverage, or about $202 on a monthly basis.
  • When compared to other midwestern states, Michigan ranks #12 out of 12 total states. It also ranks last 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 $6,096 to $8,692 per year, depending on age and gender.

How much does car insurance cost in Michigan?

The average cost of car insurance in Michigan is $2,424 per year, which is 54.7% higher than the U.S. average car insurance rate of $1,567.

The cost of car insurance per month in Michigan can range from $153 to $465. 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 – $2,348 per year ($196 per month)
  2. Chevrolet Equinox compact SUV – $2,270 per year ($189 per month)
  3. Ram 1500 pickup – $2,774 per year ($231 per month)
  4. Chevrolet Silverado pickup – $2,608 per year ($217 per month)
  5. Chevrolet Blazer – $2,564 per year ($214 per month)

Other common models found on the road include the Nissan Sentra at an average cost of $2,368 per year, the Subaru Outback at $2,226, the Toyota Highlander at $2,442, the Honda Accord at $2,532, and the Jeep Grand Cherokee at $2,678 per year.

Luxury models like the BMW X5, the Audi A8, and the Tesla Model S have an average car insurance cost of $3,084 per year for the X5, $4,150 per year for the A8, and $3,874 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 2022 vehicle models including luxury cars and SUVs.

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Chart Data Details: Chart shows average Michigan car insurance rates for 2022 model year vehicles with safe driver and claim-free discounts applied. Full-coverage rates are averaged for all Michigan zip codes.Data last updated on September 13, 2022
Average Car Insurance Cost in Michigan
Average Car Insurance Cost in Michigan
Driver Age Deductible Annual Cost Monthly Cost
20$1,000$4,088$341
$500$4,814$401
$250$5,580$465
30$1,000$2,144$179
$500$2,554$213
$250$2,978$248
40$1,000$2,050$171
$500$2,424$202
$250$2,816$235
50$1,000$1,874$156
$500$2,210$184
$250$2,560$213
60$1,000$1,838$153
$500$2,168$181
$250$2,512$209

As shown in the chart, the average cost of auto insurance ranges from $1,838 per year for a 60-year-old driver with a policy with high deductibles to $5,580 per year for a 20-year-old driver with low physical damage deductibles. From a monthly standpoint, the data above ranges from $153 to $465 per month.

Car insurance costs for teenagers in Michigan are not included in the data above, but average rates range from $6,096 per year for a 19-year-old female driver up to $8,692 per year for a 16-year-old male driver.

For 17 and 18-year-old drivers, average car insurance in Michigan will cost $7,218 to $8,118 per year for 17-year-olds and $6,576 to $7,580 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 173% more than Ohio, 113% more than Indiana, 81.2% more than Minnesota, 96.8% more than Illinois, and 134.4% more than Wisconsin.

When compared to states outside of the northern midwest region, the average cost of car insurance in Michigan is 8.8% more expensive than Florida, 90% more than Oregon, 130% more than Maine, 64.7% more than Georgia, and 68.8% 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.

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Michigan Car Insurance Cost Compared to Midwest Region
Average Car Insurance Cost in Michigan Compared to Midwest Region
Midwest Region States Average Insurance Cost Annual Difference
Ohio$888-$1,536
Wisconsin$1,034-$1,390
Iowa$1,102-$1,322
Indiana$1,138-$1,286
Illinois$1,232-$1,192
North Dakota$1,268-$1,156
Minnesota$1,338-$1,086
South Dakota$1,378-$1,046
Nebraska$1,456-$968
Kansas$1,534-$890
Missouri$1,618-$806
Michigan$2,424--

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 $2,430 per year for the compact SUV segment, which includes models like the Honda CR-V, Toyota RAV4, and Ford Edge, up to the most expensive average rates that range from about $4,300 to $5,400 per year on luxury cars and sports cars like the Porsche 911, Acura NSX, and Mercedes-Benz AMG series of vehicles.

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Chart Data Details: Average Michigan car insurance cost by segment is based on 2022 model year vehicles with safe driver and claim-free discounts applied. Physical damage deductibles are $500 and rates are averaged for all Michigan Zip Codes.Data last updated on September 13, 2022
Michigan Car Insurance Rates by Vehicle Segment
Michigan Car Insurance Rates by Vehicle Segment
Vehicle Segment Annual Rate Monthly Rate
Compact SUV$2,270$189
Midsize Pickup$2,330$194
Minivan$2,446$204
Midsize SUV$2,454$205
Compact Car$2,498$208
Midsize Car$2,530$211
Half-ton Pickup$2,636$220
Compact Luxury SUV$2,728$227
Large SUV$2,736$228
Compact Luxury Car$2,752$229
Large Car$2,804$234
Heavy Duty Pickup$2,894$241
Midsize Luxury SUV$2,932$244
Midsize Luxury Car$3,214$268
Sports Car$3,422$285
Large Luxury SUV$3,664$305
Large Luxury Car$3,836$320

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 Mazda CX-5, Nissan Kicks, Chevrolet Trailblazer, and Subaru Crosstrek will have some of the cheapest car insurance quotes in Michigan.

Average car insurance prices for those crossover SUVs cost $1,950 or less per year, or $163 per month, to have full coverage.

Additional models that have affordable insurance prices in our cost comparison are the Hyundai Venue, Mazda MX-5 Miata, Toyota Corolla Cross, and Hyundai Kona. 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 $2,106 or less per year ($176 per month) in Michigan.

The table below ranks the top 50 cheapest vehicles to insure in Michigan for the 2022 model year.

Top 50 Cheapest Car Insurance Rates in Michigan
Rank Make/Model Annual Cost Monthly Cost
1Mazda CX-5$1,846$154
2Nissan Kicks$1,894$158
3Chevrolet Trailblazer$1,904$159
4Honda Passport$1,950$163
5Subaru Crosstrek$1,950$163
6Toyota C-HR$1,994$166
7Chevrolet Colorado$1,998$167
8Buick Encore$2,004$167
9Nissan Rogue Sport$2,022$169
10Hyundai Venue$2,062$172
11Buick Envision$2,066$172
12Kia Seltos$2,068$172
13Ford Maverick$2,076$173
14Acura RDX$2,080$173
15Subaru Ascent$2,082$174
16Toyota Corolla Cross$2,082$174
17Hyundai Kona$2,096$175
18Subaru Forester$2,100$175
19Mazda MX-5 Miata$2,104$175
20Subaru Impreza$2,106$176
21Volkswagen Tiguan$2,106$176
22Chevrolet Spark$2,116$176
23Honda CR-V$2,124$177
24Cadillac XT4$2,132$178
25Mazda CX-30$2,148$179
26Ford Ranger$2,158$180
27Honda HR-V$2,182$182
28Ford Edge$2,186$182
29Ford Ecosport$2,200$183
30Chevrolet Trax$2,226$186
31Subaru Outback$2,226$186
32Acura ILX$2,232$186
33GMC Terrain$2,234$186
34Mitsubishi Eclipse Cross$2,240$187
35Nissan Murano$2,252$188
36Toyota Tacoma$2,254$188
37Hyundai Tucson$2,256$188
38Chevrolet Bolt$2,262$189
39Honda Odyssey$2,262$189
40Toyota Venza$2,266$189
41Chevrolet Equinox$2,270$189
42Volkswagen Taos$2,276$190
43Ford Explorer$2,282$190
44Fiat 500X$2,284$190
45Toyota RAV4$2,292$191
46Kia Soul$2,296$191
47Kia Sorento$2,298$192
48Nissan Frontier$2,312$193
49Hyundai Palisade$2,328$194
50Hyundai Santa Cruz$2,334$195

    Get Rates in Your AreaWhy is this important?

    Table Data Details: Average car insurance rate for each model assumes a 40-year-old married male driver with a clean driving record and no at-fault accidents. Safe driver and claim-free discounts are applied to premiums. Full coverage physical damage deductibles are $500 and rates are averaged for all Zip Codes in Michigan.Data last updated on September 13, 2022
    Top 50 Cheapest Car Insurance Rates in Michigan

    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 $2,608 per year and ranges from $2,160 to $5,974 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.

    Get Rates in Your AreaWhy is this important?

    Chart Data Details: Average rates are for a 2022 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. Physical damage 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.Data last updated on September 13, 2022
    Chevrolet Silverado Insurance Cost in Michigan
    Chevrolet Silverado Insurance Cost in Michigan
    Driver Risk Profile Annual Rate Monthly Rate
    High Risk Driver Age 30$5,974$498
    Safe Driver Age 20$5,228$436
    At-fault Accidents Age 40$3,710$309
    Low Deductibles Age 40$3,370$281
    Safe Driver Age 30$2,738$228
    Safe Driver Age 40$2,608$217
    Safe Driver Age 50$2,380$198
    Safe Driver Age 60$2,338$195
    High Deductibles Age 40$2,218$185
    Discount Rate Age 40$2,160$180

    Toyota RAV4 insurance rates

    Toyota RAV4 car insurance rates in Michigan range from $1,908 to $5,210 per year for the driver profiles in the chart below. Toyota RAV4 insurance costs an average of $2,292 per year or $191 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.

    Get Rates in Your AreaWhy is this important?

    Chart Data Details: Average rates are for a 2022 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. Physical damage 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.Data last updated on September 13, 2022
    Toyota RAV4 Insurance Cost in Michigan
    Toyota RAV4 Insurance Cost in Michigan
    Driver Risk Profile Annual Rate Monthly Rate
    High Risk Driver Age 30$5,210$434
    Safe Driver Age 20$4,560$380
    At-fault Accidents Age 40$3,232$269
    Low Deductibles Age 40$2,998$250
    Safe Driver Age 30$2,418$202
    Safe Driver Age 40$2,292$191
    Safe Driver Age 50$2,088$174
    Safe Driver Age 60$2,052$171
    High Deductibles Age 40$1,930$161
    Discount Rate Age 40$1,908$159

    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 $2,144 to $5,892 per year for the example driver risk profiles, with average cost being $2,582 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 .

    Get Rates in Your AreaWhy is this important?

    Chart Data Details: Average rates are for a 2022 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. Physical damage 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.Data last updated on September 13, 2022
    Ford Expedition Insurance Cost in Michigan
    Ford Expedition Insurance Cost in Michigan
    Driver Risk Profile Annual Rate Monthly Rate
    High Risk Driver Age 30$5,892$491
    Safe Driver Age 20$5,162$430
    At-fault Accidents Age 40$3,638$303
    Low Deductibles Age 40$3,414$285
    Safe Driver Age 30$2,734$228
    Safe Driver Age 40$2,582$215
    Safe Driver Age 50$2,352$196
    Safe Driver Age 60$2,310$193
    High Deductibles Age 40$2,158$180
    Discount Rate Age 40$2,144$179

    Honda Accord insurance rates

    Average Honda Accord insurance rates in Michigan as shown in the chart below range from $2,102 to $5,788 per year, with the average yearly cost for full coverage insurance being $2,532.

    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.

    Get Rates in Your AreaWhy is this important?

    Chart Data Details: Average rates are for a 2022 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. Physical damage 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.Data last updated on September 13, 2022
    Honda Accord Insurance Cost in Michigan
    Honda Accord Insurance Cost in Michigan
    Driver Risk Profile Annual Rate Monthly Rate
    High Risk Driver Age 30$5,788$482
    Safe Driver Age 20$5,066$422
    At-fault Accidents Age 40$3,584$299
    Low Deductibles Age 40$3,314$276
    Safe Driver Age 30$2,672$223
    Safe Driver Age 40$2,532$211
    Safe Driver Age 50$2,306$192
    Safe Driver Age 60$2,266$189
    High Deductibles Age 40$2,134$178
    Discount Rate Age 40$2,102$175

    Ford Mustang insurance rates

    The average cost for Ford Mustang insurance in Michigan is $2,558 per year. The chart below shows rates for additional driver profiles with prices ranging from $2,132 to $5,750 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.

    Get Rates in Your AreaWhy is this important?

    Chart Data Details: Average rates are for a 2022 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. Physical damage 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.Data last updated on September 13, 2022
    Ford Mustang Insurance Cost in Michigan
    Ford Mustang Insurance Cost in Michigan
    Driver Risk Profile Annual Rate Monthly Rate
    High Risk Driver Age 30$5,750$479
    Safe Driver Age 20$5,042$420
    At-fault Accidents Age 40$3,580$298
    Low Deductibles Age 40$3,356$280
    Safe Driver Age 30$2,706$226
    Safe Driver Age 40$2,558$213
    Safe Driver Age 50$2,328$194
    Safe Driver Age 60$2,282$190
    High Deductibles Age 40$2,144$179
    Discount Rate Age 40$2,132$178

    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 $236 per year for a 40-year-old driver and $456 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 $244 per year for a 40-year-old driver and $1,308 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 $1,158 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 $73 and $253 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 $638 per year.