For a 40-year-old driver with a clean record, Clinton car insurance averages about $294 a month ($3,529 a year) for full coverage, based on the rates insurers had filed with state regulators as of Aug. 31, 2026. That’s 17% below the Michigan average of $354 a month. Of the insurers anyone can buy from, GEICO has the lowest full-coverage average in our Clinton table, at about $113 a month.
Clinton, a village in Lenawee County about 19 miles southwest of Ann Arbor, is one of the less expensive places in Michigan to insure a car: our benchmark driver pays about $60 a month less than the Michigan average.
Our data uses Clinton’s ZIP code, 49236, so the village and ZIP code averages are the same. Clinton Township, in Macomb County, is a separate place with its own mailing address; it averages about $389 a month in our data.
Cost data comes from the auto rates insurers file with state regulators, priced in Clinton’s ZIP code, compiled by Quadrant Information Services and updated as new rates are filed.
Rates as of Aug. 31, 2026. Page reviewed Oct. 7, 2026.
Full coverage in Clinton averages $3,529 a year, or about $294 a month, for our benchmark driver. Liability-only coverage at 20/40/10 limits averages $881 a year ($73 a month), and 50/100/50 liability with comprehensive and collision averages $3,444 ($287 a month).
Hanover is far more expensive than the other insurers here: its full-coverage average of about $617 a month is 2.9 times the average of the other four. We keep it in our averages because it’s a rate the insurer filed with state regulators; without Hanover, the Clinton average would be about $213 a month.
The published 2026 statewide Michigan rate studies we reviewed most often rank GEICO cheapest for full coverage: four of the seven put it first, apart from USAA, which sells only to military families. One puts Progressive first, one Travelers and one Auto-Owners. For liability-only coverage at 20/40/10 limits, Auto-Owners has the lowest average among these five insurers, at about $51 a month, with Farm Bureau close behind at $54.
Full-coverage averages by insurer in Clinton
Monthly, for the same driver and car. The AAA Auto Club row in the table isn’t in the chart.
Rates insurers filed with state regulators, compiled by Quadrant Information Services, as of Aug. 31, 2026. Benchmark 40-year-old driver, 100/300/100 with $500 deductibles.
| Insurance Company: | Liability Only 20/40/10 (Yearly): | Liability Only 20/40/10 (Monthly): | Full Coverage (Yearly): | Full Coverage (Monthly): |
|---|---|---|---|---|
| Progressive | $1,206 | $101 | $1,928 | $161 |
| Auto-Owners | $616 | $51 | $2,453 | $204 |
| State Farm | $1,095 | $91 | $2,870 | $239 |
| Farm Bureau Insurance of Michigan | $642 | $54 | $2,992 | $249 |
| Hanover | $844 | $70 | $7,400 | $617 |
| AAA Auto Club (Nov. 2025 rates)* | $1,691 | $141 | $4,131 | $344 |
| USAA (military families)* | $387 | $32 | $1,246 | $104 |
| GEICO* | $592 | $49 | $1,360 | $113 |
| Travelers* | $436 | $36 | $1,658 | $138 |
| Clinton average | $881 | $73 | $3,529 | $294 |
This table uses Clinton’s ZIP code only. See how we calculated these rates. Your own price depends on your car, driving record and coverage, so compare free car insurance quotes before you buy.
Your ZIP code matters
Raising liability limits from 50/100/50 to 100/300/100 adds about $85 a year on average in our Clinton data, with the same $500 deductibles. That’s about $7 a month for double the per-person injury limit, three times the per-crash limit and double the property damage limit, and the full-coverage package also raises uninsured and underinsured motorist coverage to 100/300. Auto-Owners charges less for 100/300/100 than for 50/100/50 for our benchmark driver.
Not for our benchmark driver. Comparing the four insurers that are in both sets of rates, in the same Clinton ZIP code, their full-coverage average fell from $4,328 a year nine months earlier to $3,663 in rates as of Aug. 31, 2026, a 15.4% drop. Hanover’s Clinton average fell 24.2%, Progressive’s 5.9%, State Farm’s 5.1% and Auto-Owners’ 1.0%. Leaving Hanover out, the other three insurers in both sets of rates averaged 4.0% less for full coverage. Farm Bureau is new in our rates over the past nine months, so it’s left out, which is why these averages differ from the Clinton average above. AAA Auto Club’s latest rates are from November 2025, so it’s left out of this comparison. Liability-only coverage at 20/40/10 limits fell 14.8%, led by Hanover, which cut its liability-only average 40.8%.
Lenawee County averages about $315 a month for full coverage in our data, and Clinton runs a little below it. Tecumseh, about five miles south, averages about $300 a month and Adrian, the county seat, $313.
Prices vary more across the rest of the county: Hudson averages about $347 a month and Onsted $332. Michigan law bars insurers from pricing by ZIP code itself, but it lets them group drivers by territory, so neighboring towns can be priced differently.
More Michigan cities and towns are in the Michigan rates by city table, and you can compare states on our car insurance rates by state page.
Ann Arbor, about 19 miles northeast, averages $295 a month, and Monroe, about 30 miles east, $293.
Drivers in Clinton follow Michigan’s no-fault rules. Every policy must include:
If you don’t choose a PIP medical level, your policy includes unlimited PIP medical coverage, according to the Michigan Department of Insurance and Financial Services. You can show proof of insurance on your phone, under MCL 257.328. Our Michigan requirements guide covers the PIP choices, the mini-tort rule and the penalties for driving uninsured.
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Insurers must file their rates and rating rules with each state’s insurance regulator. Quadrant Information Services uses those filings to calculate what each insurer would charge a specific driver, and InsuranceQuotes analyzes those prices. This page uses rates in effect on Aug. 31, 2026.
Coverage requirements come from Michigan law and the Michigan Department of Insurance and Financial Services. We refresh these figures when new rate data is released.
For our benchmark driver, full coverage in Clinton averages about $294 a month ($3,529 a year) and liability-only coverage at 20/40/10 limits about $73 a month, based on the rates insurers had filed with state regulators as of Aug. 31, 2026. Full coverage is 17% below the Michigan average of $354 a month. Without Hanover, the Clinton average is about $213 a month.
Of the insurers anyone can buy from, GEICO has the lowest full-coverage average in our Clinton table, at about $113 a month, followed by Travelers at $138. USAA, which sells only to military families, is lower still, at about $104 a month. Among the five major insurers we compared, Progressive has the lowest full-coverage average, at about $161 a month, 21% below Auto-Owners’ ($204), a saving of about $525 a year for our benchmark driver. For liability-only coverage at 20/40/10 limits, Auto-Owners has the lowest average among the five major insurers we compared, at about $51 a month. GEICO’s figure is priced from published 2026 Michigan rate studies and scaled to our benchmark driver. Rates vary by driver, so compare quotes for your own car and ZIP code.
No. This page covers the village of Clinton in Lenawee County (ZIP code 49236). Clinton Township in Macomb County is a separate place; in our data it averages about $389 a month for full coverage, compared with $294 in Clinton.
For our benchmark driver, liability-only coverage at 20/40/10 limits averages about $73 a month ($881 a year) in Clinton. Among the five major insurers we compared, Auto-Owners has the lowest average, about $51 a month, and Farm Bureau is close behind at $54.
In our Clinton data, full coverage (100/300/100 with $500 deductibles) averages about $294 a month and liability-only coverage at 20/40/10 limits about $73, a difference of about $221 a month ($2,648 a year). Liability-only coverage won’t pay to repair or replace your own car after a crash, a theft or a storm. Michigan law doesn’t require full coverage, but a lender or leasing company may.
Every policy in Clinton must include personal injury protection, property protection insurance of up to $1 million and bodily injury liability of $250,000 per person and $500,000 per crash, unless you sign a form choosing lower limits of at least $50,000 and $100,000, plus $10,000 in property damage liability for crashes in other states. If you don’t choose a PIP medical level, you get unlimited coverage.
Not for our benchmark driver. Comparing the four insurers in both sets of rates (Farm Bureau is new over the past nine months), their Clinton full-coverage average fell 15.4%, from about $4,328 to $3,663 a year. That’s higher than the Clinton average of $3,529 because it leaves out Farm Bureau. Hanover cut its Clinton average 24.2%, Progressive 5.9%, State Farm 5.1% and Auto-Owners 1.0%. Liability-only coverage at 20/40/10 limits fell 14.8%.
For our benchmark driver, full coverage in Clinton averages about $294 a month. Nearby, Ann Arbor averages about $295, Monroe about $293 and Westland about $376. Monroe is cheaper; prices depend mostly on ZIP code, so compare quotes for your own address.
