For a 40-year-old driver with a clean record, Muskegon car insurance averages about $326 a month ($3,910 a year) for full coverage, based on the rates insurers had filed with state regulators as of Aug. 31, 2026. That’s 8% below the Michigan average of $354 a month. Of the insurers anyone can buy from, GEICO has the lowest full-coverage average in our Muskegon table, at about $123 a month.
Muskegon, on Lake Michigan, costs a little less to insure than the state average: our benchmark driver pays about $326 a month, about $28 a month less than the Michigan average and the same as in Grand Rapids.
Our data covers four Muskegon ZIP codes, about $44 a month apart from lowest to highest. The least expensive is 49445, in North Muskegon, so check yours before you compare car insurance quotes in Muskegon, MI.
Cost data comes from the auto rates insurers file with state regulators, priced across all four Muskegon ZIP codes in our data, 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 Muskegon averages $3,910 a year, or about $326 a month, for our benchmark driver. Liability-only coverage at 20/40/10 limits averages $833 a year ($69 a month), and 50/100/50 liability with comprehensive and collision averages $3,833 ($319 a month).
Hanover is far more expensive than the other insurers here: its full-coverage average of about $688 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 Muskegon average would be about $235 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 $56 a month, with Farm Bureau close behind at $61.
Full-coverage averages by insurer in Muskegon
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 | $782 | $65 | $1,853 | $154 |
| Auto-Owners | $675 | $56 | $2,782 | $232 |
| State Farm | $1,200 | $100 | $3,219 | $268 |
| Farm Bureau Insurance of Michigan | $728 | $61 | $3,446 | $287 |
| Hanover | $780 | $65 | $8,250 | $688 |
| AAA Auto Club (Nov. 2025 rates)* | $2,001 | $167 | $4,087 | $341 |
| USAA (military families)* | $352 | $29 | $1,350 | $113 |
| GEICO* | $540 | $45 | $1,474 | $123 |
| Travelers* | $397 | $33 | $1,796 | $150 |
| Muskegon average | $833 | $69 | $3,910 | $326 |
This table uses Muskegon ZIP codes only. See how we calculated these rates. Your own price depends on your car, driving record and coverage, so compare auto insurance quotes before you buy.
Across the four Muskegon ZIP codes we price, full coverage for our driver ranges from about $300 a month in 49445 to $344 in 49442, a gap of $521 a year.
Lowest-priced Muskegon ZIP codes
Highest-priced Muskegon ZIP codes
Search the table for your ZIP code. The last column shows how far each ZIP code is above or below Muskegon’s average.
| ZIP Code: | Liability Only 20/40/10 (Yearly): | Liability Only 20/40/10 (Monthly): | Full Coverage (Yearly): | Full Coverage (Monthly): | Full Coverage vs. City Average: |
|---|---|---|---|---|---|
| 49441 | $862 | $72 | $4,101 | $342 | +5% |
| 49442 | $854 | $71 | $4,126 | $344 | +6% |
| 49444 | $829 | $69 | $3,808 | $317 | -3% |
| 49445 | $786 | $66 | $3,605 | $300 | -8% |
Your ZIP code matters
Raising liability limits from 50/100/50 to 100/300/100 adds about $77 a year on average in our Muskegon data, with the same $500 deductibles. That’s about $6 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 by much, for our benchmark driver. Comparing the four insurers that are in both sets of rates, in the same Muskegon ZIP codes, their full-coverage average rose from $4,012 a year nine months earlier to $4,026 in rates as of Aug. 31, 2026, a 0.3% increase. Progressive’s Muskegon average fell 5.8% and State Farm’s 4.4%, while Hanover’s rose 3.4% and Auto-Owners’ 1.6%. Leaving Hanover out, the other three insurers in both sets of rates averaged 2.7% 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 Muskegon 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 19.2%, led by Hanover, which cut its liability-only average 34.5%.
Muskegon County averages about $310 a month for full coverage in our data, the 26th-least expensive of the 70 Michigan counties we price. Smaller towns nearby cost less than the city: Whitehall averages about $294 a month and Fruitport $290.
The insurer matters far more than the ZIP code. Prices across the four Muskegon ZIP codes vary by about $44 a month, while Hanover’s Muskegon average is about $534 a month above Progressive’s.
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.
Grand Rapids, about 35 miles southeast, averages $326 a month, the same as Muskegon. Grand Haven, down the lakeshore to the south, averages about $282.
Drivers in Muskegon 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.
Ready to compare
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 Muskegon averages about $326 a month ($3,910 a year) and liability-only coverage at 20/40/10 limits about $69 a month, based on the rates insurers had filed with state regulators as of Aug. 31, 2026. Full coverage is 8% below the Michigan average of $354 a month. Without Hanover, the Muskegon average is about $235 a month.
Of the insurers anyone can buy from, GEICO has the lowest full-coverage average in our Muskegon table, at about $123 a month, followed by Travelers at $150. USAA, which sells only to military families, is lower still, at about $113 a month. Among the five major insurers we compared, full-coverage averages run from about $154 to $688 a month. Progressive’s Muskegon average is 34% below Auto-Owners’ ($232), a lead wide enough that we show the range instead of naming a single cheapest insurer. For liability-only coverage at 20/40/10 limits, Auto-Owners has the lowest average among the five major insurers we compared, at about $56 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.
They’re about the same for our benchmark driver: Muskegon and Grand Rapids full coverage both average about $326 a month.
In our data, 49445 has the lowest full-coverage average in Muskegon, at about $300 a month, and 49442 the highest, at about $344. The ZIP code table on this page lists all four.
In our Muskegon data, full coverage (100/300/100 with $500 deductibles) averages about $326 a month and liability-only coverage at 20/40/10 limits about $69, a difference of about $257 a month ($3,077 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 Muskegon 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 by much, for our benchmark driver. Comparing the four insurers in both sets of rates (Farm Bureau is new over the past nine months), their Muskegon full-coverage average rose 0.3%, from about $4,012 to $4,026 a year. That’s higher than the Muskegon average of $3,910 because it leaves out Farm Bureau. Progressive cut its Muskegon average 5.8% and State Farm 4.4%, while Hanover raised its average 3.4% and Auto-Owners 1.6%. Liability-only coverage at 20/40/10 limits fell 19.2%.
For our benchmark driver, full coverage in Muskegon averages about $326 a month. Nearby, Grand Rapids averages about $326, Battle Creek about $360 and Lansing about $347. Muskegon is the least expensive of these; prices depend mostly on ZIP code, so compare quotes for your own address.
