- 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.
- Ford F-150 pickup – $2,348 per year ($196 per month)
- Chevrolet Equinox compact SUV – $2,270 per year ($189 per month)
- Ram 1500 pickup – $2,774 per year ($231 per month)
- Chevrolet Silverado pickup – $2,608 per year ($217 per month)
- 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.
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.
- 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.
- Michigan requires Personal Injury Protection (PIP) coverage. This coverage can pay unlimited lifetime medical benefits, which averages over $500,000 for injured people.
- Due to Michigan’s no-fault system and mandatory PIP coverage, there is wide-spread insurance fraud which ends up pushing rates even higher.
- 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.
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.
The list below shows the cheapest vehicles to insure in Michigan for each automotive segment.
- Compact car – Subaru Impreza insurance at $2,106 per year or $176 per month
- Compact SUV – Mazda CX-5 insurance at $1,846 per year or $154 per month
- Midsize car – Subaru Legacy insurance at $2,352 per year or $196 per month
- Midsize SUV – Honda Passport insurance at $1,950 per year or $163 per month
- Full-size car – Toyota Avalon insurance at $2,550 per year or $213 per month
- Full-size SUV – Chevrolet Tahoe insurance at $2,436 per year or $203 per month
- Midsize pickup – Chevrolet Colorado insurance at $1,998 per year or $167 per month
- Full-size pickup – Ford F150 insurance at $2,348 per year or $196 per month
- Heavy duty pickup – Ford F350 Super Duty insurance at $2,638 per year or $220 per month
- Minivan – Honda Odyssey insurance at $2,262 per year or $189 per month
- Sports car insurance – Mazda MX-5 Miata insurance at $2,104 per year or $175 per month
- Compact luxury car insurance – Mercedes-Benz A220 insurance at $2,384 per year or $199 per month
- Compact luxury SUV – Acura RDX insurance at $2,080 per year or $173 per month
- Midsize luxury car – Acura ILX insurance at $2,232 per year or $186 per month
- Midsize luxury SUV – Cadillac XT5 insurance at $2,386 per year or $199 per month
- Full-size luxury car – Audi A5 insurance at $2,848 per year or $237 per month
- Full-size luxury SUV – Volvo XC90 insurance at $2,626 per year or $219 per month
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.
| Rank | Make/Model | Annual Cost | Monthly Cost |
|---|---|---|---|
| 1 | Mazda CX-5 | $1,846 | $154 |
| 2 | Nissan Kicks | $1,894 | $158 |
| 3 | Chevrolet Trailblazer | $1,904 | $159 |
| 4 | Honda Passport | $1,950 | $163 |
| 5 | Subaru Crosstrek | $1,950 | $163 |
| 6 | Toyota C-HR | $1,994 | $166 |
| 7 | Chevrolet Colorado | $1,998 | $167 |
| 8 | Buick Encore | $2,004 | $167 |
| 9 | Nissan Rogue Sport | $2,022 | $169 |
| 10 | Hyundai Venue | $2,062 | $172 |
| 11 | Buick Envision | $2,066 | $172 |
| 12 | Kia Seltos | $2,068 | $172 |
| 13 | Ford Maverick | $2,076 | $173 |
| 14 | Acura RDX | $2,080 | $173 |
| 15 | Subaru Ascent | $2,082 | $174 |
| 16 | Toyota Corolla Cross | $2,082 | $174 |
| 17 | Hyundai Kona | $2,096 | $175 |
| 18 | Subaru Forester | $2,100 | $175 |
| 19 | Mazda MX-5 Miata | $2,104 | $175 |
| 20 | Subaru Impreza | $2,106 | $176 |
| 21 | Volkswagen Tiguan | $2,106 | $176 |
| 22 | Chevrolet Spark | $2,116 | $176 |
| 23 | Honda CR-V | $2,124 | $177 |
| 24 | Cadillac XT4 | $2,132 | $178 |
| 25 | Mazda CX-30 | $2,148 | $179 |
| 26 | Ford Ranger | $2,158 | $180 |
| 27 | Honda HR-V | $2,182 | $182 |
| 28 | Ford Edge | $2,186 | $182 |
| 29 | Ford Ecosport | $2,200 | $183 |
| 30 | Chevrolet Trax | $2,226 | $186 |
| 31 | Subaru Outback | $2,226 | $186 |
| 32 | Acura ILX | $2,232 | $186 |
| 33 | GMC Terrain | $2,234 | $186 |
| 34 | Mitsubishi Eclipse Cross | $2,240 | $187 |
| 35 | Nissan Murano | $2,252 | $188 |
| 36 | Toyota Tacoma | $2,254 | $188 |
| 37 | Hyundai Tucson | $2,256 | $188 |
| 38 | Chevrolet Bolt | $2,262 | $189 |
| 39 | Honda Odyssey | $2,262 | $189 |
| 40 | Toyota Venza | $2,266 | $189 |
| 41 | Chevrolet Equinox | $2,270 | $189 |
| 42 | Volkswagen Taos | $2,276 | $190 |
| 43 | Ford Explorer | $2,282 | $190 |
| 44 | Fiat 500X | $2,284 | $190 |
| 45 | Toyota RAV4 | $2,292 | $191 |
| 46 | Kia Soul | $2,296 | $191 |
| 47 | Kia Sorento | $2,298 | $192 |
| 48 | Nissan Frontier | $2,312 | $193 |
| 49 | Hyundai Palisade | $2,328 | $194 |
| 50 | Hyundai Santa Cruz | $2,334 | $195 |
Michigan car insurance rates for popular vehicles
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.
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.
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 .
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.
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.
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.
- Detroit Car Insurance - $5,966 per year or $497 per month
- Grand Rapids Car Insurance - $2,576 per year or $215 per month
- Warren Car Insurance - $4,216 per year or $351 per month
- Sterling Heights Car Insurance - $3,916 per year or $326 per month
- Lansing Car Insurance - $2,778 per year or $232 per month
- Ann Arbor Car Insurance - $2,526 per year or $211 per month
- Flint Car Insurance - $3,722 per year or $310 per month
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.
