Michigan Car Insurance Cost for 2023

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.

Start a Free QuoteCompare Michigan car insurance quotes and save on your next policy.

  • Michigan car insurance rates average $2,414 per year for full coverage, or about $201 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 $6,074 to $8,638 per year, depending on age and gender.

How much does car insurance cost in Michigan?

The average cost of car insurance in Michigan is $2,414 per year, which is 43.3% higher than the U.S. average car insurance rate of $1,685.

The cost of car insurance per month in Michigan can range from $152 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 – $2,452 per year ($204 per month)
  2. Chevrolet Equinox compact SUV – $2,170 per year ($181 per month)
  3. Ram 1500 pickup – $2,636 per year ($220 per month)
  4. Chevrolet Silverado pickup – $2,638 per year ($220 per month)
  5. Chevrolet Blazer – $2,442 per year ($204 per month)

Other common models found on the road include the Nissan Sentra at an average cost of $2,238 per year, the Subaru Outback at $2,074, the Toyota Highlander at $2,406, the Honda Accord at $2,438, and the Jeep Grand Cherokee at $2,560 per year.

Luxury models like the BMW X5, the Audi A8, and the Tesla Model S have an average car insurance cost of $3,046 per year for the X5, $3,946 per year for the A8, and $3,698 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 2023 vehicle models including luxury cars and SUVs.

Get Rates in Your AreaWhy is this important?

Chart Data Details: Chart shows average Michigan car insurance rates for 2023 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 December 30, 2022
Average Car Insurance Cost in Michigan
Average Car Insurance Cost in Michigan
Driver Age Deductible Annual Cost Monthly Cost
20$1,000$4,062$339
$500$4,798$400
$250$5,574$465
30$1,000$2,132$178
$500$2,540$212
$250$2,970$248
40$1,000$2,038$170
$500$2,414$201
$250$2,808$234
50$1,000$1,856$155
$500$2,194$183
$250$2,548$212
60$1,000$1,822$152
$500$2,154$180
$250$2,504$209

As shown in the chart, the average cost of auto insurance ranges from $1,822 per year for a 60-year-old driver with a policy with high deductibles to $5,574 per year for a 20-year-old driver with low physical damage deductibles. From a monthly standpoint, the data above ranges from $152 to $465 per month.

Car insurance costs for teenagers in Michigan are not included in the data above, but average rates range from $6,074 per year for a 19-year-old female driver up to $8,638 per year for a 16-year-old male driver.

For 17 and 18-year-old drivers, average car insurance in Michigan will cost $7,180 to $8,076 per year for 17-year-olds and $6,548 to $7,544 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 96.3% more than Ohio, 83.2% more than Indiana, 59.7% more than Minnesota, 56.1% more than Illinois, and 91.6% more than Wisconsin.

When compared to states outside of the northern midwest region, the average cost of car insurance in Michigan is 9.9% more expensive than Florida, 46.5% more than Oregon, 127.3% more than Maine, 34% more than Georgia, and 47.4% 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.

Get Rates in Your AreaWhy is this important?

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
Iowa$1,180-$1,234
Ohio$1,230-$1,184
Wisconsin$1,260-$1,154
Indiana$1,318-$1,096
North Dakota$1,462-$952
Nebraska$1,474-$940
Minnesota$1,512-$902
Illinois$1,546-$868
Kansas$1,738-$676
South Dakota$1,812-$602
Missouri$1,990-$424
Michigan$2,414--

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 $2,192 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 $3,298 to $3,724 per year on sports cars and luxury cars like the Porsche 911, Acura NSX, and Mercedes-Benz AMG series of vehicles.

Get Rates in Your AreaWhy is this important?

Chart Data Details: Average Michigan car insurance cost by segment is based on 2023 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 December 30, 2022
Michigan Car Insurance Rates by Vehicle Segment
Michigan Car Insurance Rates by Vehicle Segment
Vehicle Segment Annual Rate Monthly Rate
Compact SUV$2,192$183
Midsize Pickup$2,278$190
Midsize SUV$2,356$196
Minivan$2,366$197
Compact Car$2,402$200
Midsize Car$2,460$205
Compact Luxury SUV$2,606$217
Half-ton Pickup$2,618$218
Large SUV$2,638$220
Compact Luxury Car$2,654$221
Heavy Duty Pickup$2,772$231
Midsize Luxury SUV$2,800$233
Large Car$2,806$234
Midsize Luxury Car$3,066$256
Sports Car$3,298$275
Large Luxury SUV$3,544$295
Large Luxury Car$3,724$310

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 Chevrolet Trailblazer, Subaru Crosstrek, Nissan Kicks, and Nissan Rogue Sport will have some of the cheapest car insurance quotes in Michigan.

Average car insurance prices for those crossover SUVs cost $1,880 or less per year, or $157 per month, to have full coverage.

Additional models that have affordable insurance prices in our cost comparison are the Subaru Ascent, Ford Edge, Chevrolet Colorado, 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 $2,042 or less per year ($170 per month) in Michigan.

The table below ranks the top 50 cheapest vehicles to insure in Michigan for the 2023 model year.

Top 50 Cheapest Car Insurance Rates in Michigan
Rank Make/Model Annual Cost Monthly Cost
1Chevrolet Trailblazer$1,822$152
2Subaru Crosstrek$1,838$153
3Nissan Kicks$1,848$154
4Honda Passport$1,872$156
5Nissan Rogue Sport$1,880$157
6Mazda CX-5$1,894$158
7Buick Encore$1,920$160
8Buick Envision$1,924$160
9Kia Seltos$1,952$163
10Subaru Ascent$1,960$163
11Hyundai Venue$1,966$164
12Subaru Impreza$1,996$166
13Ford Maverick$2,000$167
14Chevrolet Colorado$2,006$167
15Honda HR-V$2,006$167
16Acura RDX$2,010$168
17Hyundai Kona$2,022$169
18Subaru Forester$2,034$170
19Ford Edge$2,042$170
20Honda CR-V$2,042$170
21Mazda CX-30$2,050$171
22Ford Explorer$2,052$171
23Volkswagen Atlas$2,056$171
24Nissan Murano$2,070$173
25Chevrolet Trax$2,072$173
26Subaru Outback$2,074$173
27Nissan Frontier$2,080$173
28Volkswagen Tiguan$2,094$175
29Ford Bronco Sport$2,100$175
30Fiat 500X$2,138$178
31Ford Ranger$2,138$178
32GMC Terrain$2,140$178
33Kia Soul$2,146$179
34Mitsubishi Eclipse Cross$2,148$179
35Volkswagen Atlas Cross Sport$2,152$179
36Lexus RX 350$2,156$180
37Acura Integra$2,164$180
38Chevrolet Equinox$2,170$181
39Cadillac XT4$2,174$181
40Toyota Corolla Cross$2,174$181
41Volkswagen Taos$2,184$182
42GMC Canyon$2,188$182
43Toyota Venza$2,196$183
44Mazda CX-50$2,198$183
45Honda Odyssey$2,202$184
46Volkswagen Jetta$2,202$184
47Toyota Tacoma$2,204$184
48Hyundai Tucson$2,206$184
49Ford Escape$2,210$184
50Kia Sorento$2,210$184

    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 December 30, 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 $2,638 per year and ranges from $2,186 to $6,028 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 2023 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 December 29, 2022
    Chevrolet Silverado Insurance Cost in Michigan
    2023 Chevrolet Silverado Insurance Cost in Michigan
    Driver Risk Profile Annual Rate Monthly Rate
    High Risk Driver Age 30$6,028$502
    Safe Driver Age 20$5,278$440
    At-fault Accidents Age 40$3,754$313
    Low Deductibles Age 40$3,380$282
    Safe Driver Age 30$2,762$230
    Safe Driver Age 40$2,638$220
    Safe Driver Age 50$2,408$201
    Safe Driver Age 60$2,364$197
    High Deductibles Age 40$2,258$188
    Discount Rate Age 40$2,186$182

    Toyota RAV4 insurance rates

    Toyota RAV4 car insurance rates in Michigan range from $1,854 to $5,072 per year for the driver profiles in the chart below. Toyota RAV4 insurance costs an average of $2,232 per year or $186 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 2023 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 December 30, 2022
    Toyota RAV4 Insurance Cost in Michigan
    2023 Toyota RAV4 Insurance Cost in Michigan
    Driver Risk Profile Annual Rate Monthly Rate
    High Risk Driver Age 30$5,072$423
    Safe Driver Age 20$4,442$370
    At-fault Accidents Age 40$3,144$262
    Low Deductibles Age 40$2,926$244
    Safe Driver Age 30$2,360$197
    Safe Driver Age 40$2,232$186
    Safe Driver Age 50$2,036$170
    Safe Driver Age 60$1,998$167
    High Deductibles Age 40$1,876$156
    Discount Rate Age 40$1,854$155

    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 $2,062 to $5,646 per year for the example driver risk profiles, with average cost being $2,482 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 2023 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 December 30, 2022
    Ford Expedition Insurance Cost in Michigan
    2023 Ford Expedition Insurance Cost in Michigan
    Driver Risk Profile Annual Rate Monthly Rate
    High Risk Driver Age 30$5,646$471
    Safe Driver Age 20$4,944$412
    At-fault Accidents Age 40$3,490$291
    Low Deductibles Age 40$3,280$273
    Safe Driver Age 30$2,626$219
    Safe Driver Age 40$2,482$207
    Safe Driver Age 50$2,260$188
    Safe Driver Age 60$2,218$185
    High Deductibles Age 40$2,074$173
    Discount Rate Age 40$2,062$172

    Honda Accord insurance rates

    Average Honda Accord insurance rates in Michigan as shown in the chart below range from $2,022 to $5,564 per year, with the average yearly cost for full coverage insurance being $2,438.

    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 2023 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 December 30, 2022
    Honda Accord Insurance Cost in Michigan
    2023 Honda Accord Insurance Cost in Michigan
    Driver Risk Profile Annual Rate Monthly Rate
    High Risk Driver Age 30$5,564$464
    Safe Driver Age 20$4,874$406
    At-fault Accidents Age 40$3,442$287
    Low Deductibles Age 40$3,196$266
    Safe Driver Age 30$2,572$214
    Safe Driver Age 40$2,438$203
    Safe Driver Age 50$2,220$185
    Safe Driver Age 60$2,182$182
    High Deductibles Age 40$2,048$171
    Discount Rate Age 40$2,022$169

    Ford Mustang insurance rates

    The average cost for Ford Mustang insurance in Michigan is $2,616 per year. The chart below shows rates for additional driver profiles with prices ranging from $2,170 to $5,896 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 2023 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 December 30, 2022
    Ford Mustang Insurance Cost in Michigan
    2023 Ford Mustang Insurance Cost in Michigan
    Driver Risk Profile Annual Rate Monthly Rate
    High Risk Driver Age 30$5,896$491
    Safe Driver Age 20$5,168$431
    At-fault Accidents Age 40$3,678$307
    Low Deductibles Age 40$3,384$282
    Safe Driver Age 30$2,750$229
    Safe Driver Age 40$2,616$218
    Safe Driver Age 50$2,378$198
    Safe Driver Age 60$2,334$195
    High Deductibles Age 40$2,216$185
    Discount Rate Age 40$2,170$181

    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 $276 per year for a 40-year-old driver and $538 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 $288 per year for a 40-year-old driver and $722 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 $948 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 $72 and $244 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 $632 per year.