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.

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  • Michigan car insurance rates average $2,438 per year for full coverage, or about $203 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 $6,138 to $8,726 per year, depending on age and gender.

How much does car insurance cost in Michigan?

The average cost of car insurance in Michigan is $2,438 per year, which is 34.1% higher than the U.S. average car insurance rate of $1,728.

The cost of car insurance per month in Michigan can range from $153 to $469. 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 – $2,476 per year ($206 per month)
  2. Chevrolet Equinox compact SUV – $2,192 per year ($183 per month)
  3. Ram 1500 pickup – $2,662 per year ($222 per month)
  4. Chevrolet Silverado pickup – $2,668 per year ($222 per month)
  5. Chevrolet Blazer – $2,466 per year ($206 per month)

Other common models found on the road include the Nissan Sentra at an average cost of $2,260 per year, the Subaru Outback at $2,094, the Toyota Highlander at $2,430, the Honda Accord at $2,462, and the Jeep Grand Cherokee at $2,588 per year.

Luxury models like the BMW X5, the Audi A8, and the Tesla Model S have an average car insurance cost of $3,080 per year for the X5, $3,986 per year for the A8, and $3,736 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.

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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 August 11, 2023
Average Car Insurance Cost in Michigan
Average Car Insurance Cost in Michigan
Driver Age Deductible Annual Cost Monthly Cost
20$1,000$4,104$342
$500$4,848$404
$250$5,632$469
30$1,000$2,150$179
$500$2,566$214
$250$2,998$250
40$1,000$2,056$171
$500$2,438$203
$250$2,834$236
50$1,000$1,876$156
$500$2,220$185
$250$2,576$215
60$1,000$1,840$153
$500$2,178$182
$250$2,528$211

As shown in the chart, the average cost of auto insurance ranges from $1,840 per year for a 60-year-old driver with a policy with high deductibles to $5,632 per year for a 20-year-old driver with low physical damage deductibles. From a monthly standpoint, the data above ranges from $153 to $469 per month.

Car insurance costs for teenagers in Michigan are not included in the data above, but average rates range from $6,138 per year for a 19-year-old female driver up to $8,726 per year for a 16-year-old male driver.

For 17 and 18-year-old drivers, average car insurance in Michigan will cost $7,252 to $8,162 per year for 17-year-olds and $6,616 to $7,624 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 63.1% more than Ohio, 57% more than Indiana, 44.4% more than Minnesota, 42.3% more than Illinois, and 61% more than Wisconsin.

When compared to states outside of the northern midwest region, the average cost of car insurance in Michigan is 9.1% more expensive than Florida, 36.6% more than Oregon, 75.6% more than Maine, 28% more than Georgia, and 37% 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$1,218-$1,220
Ohio$1,268-$1,170
Wisconsin$1,298-$1,140
Indiana$1,356-$1,082
North Dakota$1,500-$938
Nebraska$1,512-$926
Minnesota$1,552-$886
Illinois$1,586-$852
Kansas$1,776-$662
South Dakota$1,852-$586
Missouri$2,030-$408
Michigan$2,438--

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 $2,216 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 $3,332 to $3,762 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 August 12, 2023
Michigan Car Insurance Rates by Vehicle Segment
Michigan Car Insurance Rates by Vehicle Segment
Vehicle Segment Annual Rate Monthly Rate
Compact SUV$2,216$185
Midsize Pickup$2,300$192
Midsize SUV$2,378$198
Minivan$2,386$199
Compact Car$2,428$202
Midsize Car$2,484$207
Compact Luxury SUV$2,634$220
Half-ton Pickup$2,644$220
Large SUV$2,668$222
Compact Luxury Car$2,680$223
Heavy Duty Pickup$2,800$233
Midsize Luxury SUV$2,828$236
Large Car$2,832$236
Midsize Luxury Car$3,094$258
Sports Car$3,332$278
Large Luxury SUV$3,580$298
Large Luxury Car$3,762$314

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 $1,900 or less per year, or $158 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 $2,064 or less per year ($172 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$1,842$154
2Subaru Crosstrek$1,858$155
3Nissan Kicks$1,868$156
4Honda Passport$1,892$158
5Nissan Rogue Sport$1,900$158
6Mazda CX-5$1,914$160
7Buick Encore$1,942$162
8Buick Envision$1,944$162
9Kia Seltos$1,972$164
10Subaru Ascent$1,980$165
11Hyundai Venue$1,988$166
12Subaru Impreza$2,016$168
13Ford Maverick$2,022$169
14Honda HR-V$2,024$169
15Chevrolet Colorado$2,026$169
16Acura RDX$2,032$169
17Hyundai Kona$2,042$170
18Subaru Forester$2,054$171
19Ford Edge$2,062$172
20Honda CR-V$2,064$172
21Mazda CX-30$2,070$173
22Ford Explorer$2,074$173
23Volkswagen Atlas$2,078$173
24Chevrolet Trax$2,092$174
25Nissan Murano$2,094$175
26Subaru Outback$2,094$175
27Nissan Frontier$2,104$175
28Volkswagen Tiguan$2,114$176
29Ford Bronco Sport$2,120$177
30Fiat 500X$2,158$180
31Ford Ranger$2,162$180
32GMC Terrain$2,164$180
33Kia Soul$2,168$181
34Mitsubishi Eclipse Cross$2,172$181
35Volkswagen Atlas Cross Sport$2,174$181
36Lexus RX 350$2,180$182
37Acura Integra$2,188$182
38Chevrolet Equinox$2,192$183
39Cadillac XT4$2,198$183
40Toyota Corolla Cross$2,198$183
41Volkswagen Taos$2,206$184
42GMC Canyon$2,212$184
43Toyota Venza$2,220$185
44Mazda CX-50$2,222$185
45Volkswagen Jetta$2,224$185
46Honda Odyssey$2,226$186
47Toyota Tacoma$2,228$186
48Hyundai Tucson$2,230$186
49Ford Escape$2,234$186
50Kia Sorento$2,236$186

    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 August 11, 2023
    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 $2,668 per year and ranges from $2,208 to $6,096 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 August 12, 2023
    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$6,096$508
    Safe Driver Age 20$5,338$445
    At-fault Accidents Age 40$3,796$316
    Low Deductibles Age 40$3,418$285
    Safe Driver Age 30$2,792$233
    Safe Driver Age 40$2,668$222
    Safe Driver Age 50$2,432$203
    Safe Driver Age 60$2,390$199
    High Deductibles Age 40$2,284$190
    Discount Rate Age 40$2,208$184

    Toyota RAV4 insurance rates

    Toyota RAV4 car insurance rates in Michigan range from $1,874 to $5,128 per year for the driver profiles in the chart below. Toyota RAV4 insurance costs an average of $2,256 per year or $188 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 August 12, 2023
    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$5,128$427
    Safe Driver Age 20$4,488$374
    At-fault Accidents Age 40$3,180$265
    Low Deductibles Age 40$2,958$247
    Safe Driver Age 30$2,382$199
    Safe Driver Age 40$2,256$188
    Safe Driver Age 50$2,056$171
    Safe Driver Age 60$2,020$168
    High Deductibles Age 40$1,896$158
    Discount Rate Age 40$1,874$156

    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 $2,082 to $5,706 per year for the example driver risk profiles, with average cost being $2,506 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 August 12, 2023
    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$5,706$476
    Safe Driver Age 20$4,998$417
    At-fault Accidents Age 40$3,528$294
    Low Deductibles Age 40$3,310$276
    Safe Driver Age 30$2,652$221
    Safe Driver Age 40$2,506$209
    Safe Driver Age 50$2,282$190
    Safe Driver Age 60$2,242$187
    High Deductibles Age 40$2,092$174
    Discount Rate Age 40$2,082$174

    Honda Accord insurance rates

    Average Honda Accord insurance rates in Michigan as shown in the chart below range from $2,044 to $5,624 per year, with the average yearly cost for full coverage insurance being $2,462.

    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 August 12, 2023
    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$5,624$469
    Safe Driver Age 20$4,924$410
    At-fault Accidents Age 40$3,482$290
    Low Deductibles Age 40$3,230$269
    Safe Driver Age 30$2,600$217
    Safe Driver Age 40$2,462$205
    Safe Driver Age 50$2,244$187
    Safe Driver Age 60$2,204$184
    High Deductibles Age 40$2,070$173
    Discount Rate Age 40$2,044$170

    Ford Mustang insurance rates

    The average cost for Ford Mustang insurance in Michigan is $2,640 per year. The chart below shows rates for additional driver profiles with prices ranging from $2,194 to $5,958 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 August 12, 2023
    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$5,958$497
    Safe Driver Age 20$5,220$435
    At-fault Accidents Age 40$3,716$310
    Low Deductibles Age 40$3,420$285
    Safe Driver Age 30$2,780$232
    Safe Driver Age 40$2,640$220
    Safe Driver Age 50$2,402$200
    Safe Driver Age 60$2,356$196
    High Deductibles Age 40$2,238$187
    Discount Rate Age 40$2,194$183

    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 $284 per year for a 40-year-old driver and $552 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 $294 per year for a 40-year-old driver and $662 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 $934 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 $246 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.