Michigan Car Insurance Cost for 2021

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 $2,720 per year for full coverage, or about $227 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 $6,848 to $9,756 per year, depending on age and gender.

How much does car insurance cost in Michigan?

The average cost of car insurance in Michigan is $2,720 per year, which is 78.6% higher than the U.S. average car insurance rate of $1,523.

The cost of car insurance per month in Michigan can range from $172 to $523. 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 – $2,596 per year ($216 per month)
  2. Chevrolet Equinox compact SUV – $2,460 per year ($205 per month)
  3. Ram 1500 pickup – $2,958 per year ($247 per month)
  4. Chevrolet Silverado pickup – $2,836 per year ($236 per month)
  5. Chevrolet Blazer – $2,306 per year ($192 per month)

Other common models found on the road include the Nissan Sentra at an average cost of $2,692 per year, the Subaru Outback at $2,308, the Toyota Highlander at $2,714, the Honda Accord at $2,626, and the Jeep Grand Cherokee at $2,972 per year.

Luxury models like the BMW X5, the Audi A8, and the Tesla Model S have an average car insurance cost of $2,998 per year for the X5, $4,580 per year for the A8, and $4,758 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 2021 vehicle models including luxury cars and SUVs.

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Chart Data Details: Chart shows average Michigan car insurance rates for 2021 model year vehicles with safe driver and claim-free discounts applied. Full-coverage rates are averaged for all Michigan zip codes.
Average Car Insurance Cost in Michigan
Average Car Insurance Cost in Michigan
Driver Age Deductible Annual Cost Monthly Cost
20$1,000$4,586$382
$500$5,408$451
$250$6,274$523
30$1,000$2,404$200
$500$2,864$239
$250$3,344$279
40$1,000$2,300$192
$500$2,720$227
$250$3,160$263
50$1,000$2,100$175
$500$2,480$207
$250$2,874$240
60$1,000$2,062$172
$500$2,434$203
$250$2,822$235

As shown in the chart, the average cost of auto insurance ranges from $2,062 per year for a 60-year-old driver with a policy with high deductibles to $6,274 per year for a 20-year-old driver with low physical damage deductibles. From a monthly standpoint, the data above ranges from $172 to $523 per month.

Car insurance costs for teenagers in Michigan are not included in the data above, but average rates range from $6,848 per year for a 19-year-old female driver up to $9,756 per year for a 16-year-old male driver.

For 17 and 18-year-old drivers, average car insurance in Michigan will cost $8,104 to $9,114 per year for 17-year-olds and $7,386 to $8,514 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 165.6% more than Ohio, 146.8% more than Indiana, 102.1% more than Minnesota, 152.3% more than Illinois, and 146.4% more than Wisconsin.

When compared to states outside of the northern midwest region, the average cost of car insurance in Michigan is 32.9% more expensive than Florida, 102.7% more than Oregon, 183.3% more than Maine, 73.7% more than Georgia, and 84.8% 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
Iowa$1,002-$1,718
Ohio$1,024-$1,696
Illinois$1,078-$1,642
Indiana$1,102-$1,618
Wisconsin$1,104-$1,616
North Dakota$1,168-$1,552
Nebraska$1,200-$1,520
South Dakota$1,254-$1,466
Kansas$1,318-$1,402
Missouri$1,332-$1,388
Minnesota$1,346-$1,374
Michigan$2,720--

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 $2,450 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 $4,200 to $5,600 per year on luxury cars and sports 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 2021 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.
Michigan Car Insurance Rates by Vehicle Segment
Michigan Car Insurance Rates by Vehicle Segment
Vehicle Segment Annual Rate Monthly Rate
Small SUV$2,450$204
Midsize Truck$2,472$206
Large Van$2,482$207
Midsize Minivan$2,528$211
Midsize SUV$2,648$221
Midsize Van$2,672$223
Small Car$2,732$228
Large Truck$2,754$230
Midsize Car$2,788$232
Large SUV$2,816$235
Small Luxury SUV$2,856$238
Large Car$2,956$246
Heavy Duty Truck$3,060$255
Midsize Luxury SUV$3,066$256
Small Luxury Car$3,160$263
Midsize Luxury Car$3,600$300
Large Luxury SUV$3,672$306
Sports Car$3,972$331
Large Luxury Car$4,198$350
Exotic Car$5,588$466

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 Subuaru Forester, Honda CR-V, Mazda CX-3, Toyota C-HR, and Kia Sportage will have some of the cheapest car insurance quotes in Michigan.

Other models that are cheapest in their respective segments are the Volkswagen Golf at $2,172 per year, the Mazda 6 at $2,526 per year, the Ford Edge at $2,164 per year, the Kia Cadenza at $2,764 per year, the Toyota Sequoia at $2,688 per year, the Toyota Tacoma at $2,294 per year, and the Ford F150 at $2,596 per year.

The table below ranks the top 50 cheapest vehicles to insure in Michigan for the 2021 model year.

Top 50 Cheapest Car Insurance Rates in Michigan
Rank Make/Model Annual Cost Monthly Cost
1Subaru Forester$2,024$169
2Honda CR-V$2,050$171
3Ram Promaster City$2,128$177
4Mazda CX-3$2,142$179
5Toyota C-HR$2,156$180
6Kia Sportage$2,158$180
7Ford Edge$2,164$180
8Volkswagen Golf$2,172$181
9Mazda CX-5$2,196$183
10Subaru Crosstrek$2,220$185
11Chevrolet Spark$2,240$187
12Volvo XC40$2,248$187
13Hyundai Venue$2,260$188
14Volkswagen Atlas$2,280$190
15Hyundai Kona$2,288$191
16Kia Soul$2,288$191
17Subaru Impreza$2,288$191
18Toyota Tacoma$2,294$191
19Kia Telluride$2,300$192
20Chevrolet Blazer$2,306$192
21Jeep Compass$2,308$192
22Kia Sedona$2,308$192
23Subaru Outback$2,308$192
24Chevrolet Colorado$2,314$193
25Kia Rio5$2,314$193
26Mazda CX-30$2,314$193
27Nissan Kicks$2,316$193
28Honda Passport$2,318$193
29Mitsubishi Eclipse Cross$2,322$194
30Subaru Ascent$2,322$194
31Ford Escape$2,324$194
32Hyundai Tucson$2,328$194
33Nissan Frontier$2,342$195
34Volkswagen Tiguan$2,346$196
35Acura RDX$2,352$196
36Honda Pilot$2,354$196
37Toyota Corolla$2,360$197
38Ford Ecosport$2,366$197
39Buick Envision$2,378$198
40Kia Seltos$2,386$199
41Nissan Rogue Sport$2,400$200
42Chevrolet Trax$2,412$201
43Chevrolet Trailblazer$2,418$202
44Cadillac XT4$2,426$202
45Buick Encore$2,434$203
46Chevrolet Express$2,442$204
47Jeep Renegade$2,450$204
48Nissan Rogue$2,450$204
49Chevrolet Equinox$2,460$205
50Nissan Murano$2,460$205

    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.
    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 $2,836 per year and ranges from $2,354 to $6,444 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 2021 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.
    Chevrolet Silverado Insurance Cost in Michigan
    Chevrolet Silverado Insurance Cost in Michigan
    Driver Risk Profile Annual Rate Monthly Rate
    High Risk Driver Age 30$6,444$537
    Safe Driver Age 20$5,644$470
    At-fault Accidents Age 40$4,020$335
    Low Deductibles Age 40$3,638$303
    Safe Driver Age 30$2,972$248
    Safe Driver Age 40$2,836$236
    Safe Driver Age 50$2,584$215
    Safe Driver Age 60$2,538$212
    High Deductibles Age 40$2,424$202
    Discount Rate Age 40$2,354$196

    Toyota RAV4 insurance rates

    Toyota RAV4 car insurance rates in Michigan range from $2,172 to $5,940 per year for the driver profiles in the chart below. Toyota RAV4 insurance costs an average of $2,618 per year or $218 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 2021 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.
    Toyota RAV4 Insurance Cost in Michigan
    Toyota RAV4 Insurance Cost in Michigan
    Driver Risk Profile Annual Rate Monthly Rate
    High Risk Driver Age 30$5,940$495
    Safe Driver Age 20$5,204$434
    At-fault Accidents Age 40$3,702$309
    Low Deductibles Age 40$3,372$281
    Safe Driver Age 30$2,748$229
    Safe Driver Age 40$2,618$218
    Safe Driver Age 50$2,386$199
    Safe Driver Age 60$2,342$195
    High Deductibles Age 40$2,228$186
    Discount Rate Age 40$2,172$181

    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 $2,342 to $6,406 per year for the example driver risk profiles, with average cost being $2,822 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 2021 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.
    Ford Expedition Insurance Cost in Michigan
    Ford Expedition Insurance Cost in Michigan
    Driver Risk Profile Annual Rate Monthly Rate
    High Risk Driver Age 30$6,406$534
    Safe Driver Age 20$5,612$468
    At-fault Accidents Age 40$3,980$332
    Low Deductibles Age 40$3,680$307
    Safe Driver Age 30$2,974$248
    Safe Driver Age 40$2,822$235
    Safe Driver Age 50$2,568$214
    Safe Driver Age 60$2,522$210
    High Deductibles Age 40$2,378$198
    Discount Rate Age 40$2,342$195

    Honda Accord insurance rates

    Average Honda Accord insurance rates in Michigan as shown in the chart below range from $2,184 to $5,952 per year, with the average yearly cost for full coverage insurance being $2,626.

    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 2021 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.
    Honda Accord Insurance Cost in Michigan
    Honda Accord Insurance Cost in Michigan
    Driver Risk Profile Annual Rate Monthly Rate
    High Risk Driver Age 30$5,952$496
    Safe Driver Age 20$5,214$435
    At-fault Accidents Age 40$3,700$308
    Low Deductibles Age 40$3,426$286
    Safe Driver Age 30$2,770$231
    Safe Driver Age 40$2,626$219
    Safe Driver Age 50$2,392$199
    Safe Driver Age 60$2,348$196
    High Deductibles Age 40$2,212$184
    Discount Rate Age 40$2,184$182

    Ford Mustang insurance rates

    The average cost for Ford Mustang insurance in Michigan is $3,046 per year. The chart below shows rates for additional driver profiles with prices ranging from $2,530 to $6,914 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 2021 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.
    Ford Mustang Insurance Cost in Michigan
    Ford Mustang Insurance Cost in Michigan
    Driver Risk Profile Annual Rate Monthly Rate
    High Risk Driver Age 30$6,914$576
    Safe Driver Age 20$6,054$505
    At-fault Accidents Age 40$4,276$356
    Low Deductibles Age 40$4,026$336
    Safe Driver Age 30$3,224$269
    Safe Driver Age 40$3,046$254
    Safe Driver Age 50$2,770$231
    Safe Driver Age 60$2,720$227
    High Deductibles Age 40$2,542$212
    Discount Rate Age 40$2,530$211

    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 $458 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 $1,916 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 $1,460 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 $82 and $261 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 $714 per year.