Michigan Car Insurance Quotes & Rates (2026)

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For a 40-year-old driver with a clean record, Michigan car insurance averages about $354 a month ($4,252 a year) for full coverage, based on the rates insurers had filed with state regulators as of Aug. 31, 2026. That’s 51% above the national average in our data. It’s higher than in Illinois, Indiana, Ohio and Wisconsin. Of the insurers anyone can buy from, GEICO has the lowest full-coverage average in our statewide table, at about $138 a month.

Michigan car insurance: key numbers

• Full coverage: about $354 a month ($4,252 a year)
• Liability only (20/40/10): about $87 a month
• Lowest-priced insurer: Of the insurers anyone can buy from, GEICO has the lowest full-coverage average in our statewide table, at about $138 a month
• Recent price change: −11.9% for full coverage (same insurers and ZIP codes)
• Most and least expensive counties: Wayne County (about $510 a month) and Bay County (about $273)

Where you live matters too. Wayne County, home to Detroit, averages about $510 a month for full coverage in our data, the most of the 70 counties we price, while Bay County, the least expensive, averages about $273. Use these averages as a benchmark for where you live, then compare Michigan car insurance quotes for your own car and address.

_{Cost data comes from the auto rates insurers file with state regulators, priced across 480 Michigan ZIP codes, compiled by Quadrant Information Services and updated as new rates are filed.}

Rates as of Aug. 31, 2026. Page reviewed Oct. 7, 2026.

How Much Is Car Insurance in Michigan?

In Michigan, full coverage averages about $354 a month ($4,252 a year), while liability-only coverage at 20/40/10 limits, which are below the 50/100/10 minimum, averages $87 a month. The figure is for a 40-year-old driver with a clean record and uses rates insurers had filed with state regulators as of Aug. 31, 2026.

Full coverage in Michigan averages $4,252 a year, or about $354 a month, for our benchmark driver. Liability-only coverage at 20/40/10 limits averages $1,039 a year ($87 a month), and 50/100/50 liability with comprehensive and collision averages $4,148 ($346 a month).

• Full coverage (100/300/100, $500 deductibles): $4,252 a year ($354 a month)
• 50/100/50 with $500 deductibles: $4,148 a year ($346 a month)
• Liability only (20/40/10): $1,039 a year ($87 a month)
• Without Hanover: $3,192 a year ($266 a month) for full coverage
• Detroit: $7,984 a year ($665 a month) for full coverage
• Grand Rapids: $3,914 a year ($326 a month) for full coverage
• National average: $2,806 a year ($234 a month) for full coverage

Hanover is far more expensive than the other insurers here: its full-coverage average of about $708 a month is 2.7 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 Michigan average would be about $266 a month.

How Michigan Compares With Neighboring States

Michigan’s average is about $153 a month above Illinois’, $174 above Indiana’s, $217 above Ohio’s and $170 above Wisconsin’s. It’s the second-highest of the 50 states and Washington, D.C., in our data. Even without Hanover, Michigan’s average of about $266 a month would be higher than any of these four states’.

Cheapest Car Insurance in Michigan: Companies Compared

• Lowest full-coverage average among insurers anyone can buy from: GEICO, at about $138 a month ($1,650 a year). USAA comes in even lower, at about $126 a month, but it sells only to military families.
• Next lowest: Travelers and Progressive, effectively tied at about $168 and $172 a month.
• Among the five major insurers we compared (Auto-Owners, Farm Bureau, Hanover, Progressive and State Farm): full-coverage averages run from about $172 to $708 a month. Because Progressive’s statewide average sits 34% under Auto-Owners’ ($261), a gap that wide leads us to show the range rather than name a single cheapest insurer.
• Lowest liability-only average among the five major insurers we compared (20/40/10): Auto-Owners, at about $65 a month, then Farm Bureau at $72.
• AAA Auto Club (Nov. 2025 rates)*: about $368 a month for full coverage, from its November 2025 rates.
• Also on our list: USAA at about $126 a month and Travelers at $168 (USAA sells only to military families).
• Most expensive in our table: Hanover, at about $708 a month for full coverage, $6,844 a year more than GEICO.

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 $65 a month, with Farm Bureau close behind at $72.

These are statewide averages for our benchmark driver. 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.

See What You’d Pay in Michigan

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How Michigan’s Major Car Insurers Compare

Here’s where each insurer in our rate data lands for our benchmark driver, and how its price has moved over the past nine months.

Are Car Insurance Rates Going Up in Michigan?

Not for our benchmark driver. Comparing the four insurers that are in both sets of rates, in the same Michigan ZIP codes, their full-coverage average fell from $4,908 a year nine months earlier to $4,322 in rates as of Aug. 31, 2026, an 11.9% drop. Hanover cut its Michigan average 20.4% and State Farm 5.3%, while Auto-Owners raised its average 0.6%; Progressive’s average was about unchanged. 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 Michigan 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 15.4%, led by Hanover, which cut its liability-only average 46.1%. Leaving Hanover out, the other three insurers in both sets of rates averaged 1.9% less for full coverage.

Because insurers change their rates on their own schedules, the cheapest company for you can change from one renewal to the next.

Why Is Car Insurance So Expensive in Michigan?

Michigan’s full-coverage average is the second-highest of the 50 states and Washington, D.C., in our data. Three things stand out in our numbers and in state law.

• Detroit and Wayne County. Wayne County averages about $510 a month for full coverage and Detroit $665, while Bay County, the least expensive county we price, averages $273.
• One high-priced insurer. Hanover averages about $708 a month statewide. Without it, Michigan’s average would be about $266 a month, still 14% above the national average.
• More required coverage. Every Michigan policy includes personal injury protection and up to $1 million in property protection insurance, and Michigan is the only state where unlimited PIP medical coverage is still an option, according to the Michigan Department of Insurance and Financial Services.

Michigan law also bars insurers from basing rates on sex, marital status, home ownership, credit score, education, occupation or ZIP code, though they can still group drivers by territory, under MCL 500.2111. That’s why prices in our data still vary from one part of the state to another.

Michigan Car Insurance Rates by City

Among cities with at least four ZIP codes in our data, Detroit is the most expensive, at $665 a month for full coverage, followed by Dearborn at $553 and Southfield at $487, and Ann Arbor is the least expensive, at about $295. Across all 343 cities and towns we price, averages run from about $665 in Detroit to $261 in Auburn, near Bay City, and the table links each of our 15 city guides.

The table lists all 343 Michigan cities and towns in our data, using each place’s own ZIP codes, from most to least expensive. Search it for your town.

Michigan City Car Insurance Guides

Each city guide has local prices, how the insurers compare there and, for cities where prices vary by ZIP code, a ZIP code table.

Michigan Car Insurance Rates by County

Wayne County is the most expensive county in our data, at about $510 a month for full coverage, followed by Macomb County ($396) and Lake County ($370). The least expensive of the 70 counties we price are Bay County ($273), Midland County ($278) and Otsego County ($281). We price 70 of Michigan’s 83 counties.

How Much More Does Better Coverage Cost in Michigan?

Raising liability limits from 50/100/50 to 100/300/100 adds about $104 a year on average statewide in our data, with the same $500 deductibles. Across the five insurers, the change runs from $113 less a year (Auto-Owners) to $380 more (Hanover). Statewide, that’s about $9 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. In Michigan, 50/100 is the lowest bodily injury limit you can buy, and 250/500 is the default if you don’t sign a form choosing less. Liability-only coverage is far cheaper, but it has no comprehensive or collision, so it won’t pay to fix or replace your own car.

Michigan No-Fault Insurance and PIP Choices

Michigan is a no-fault state: after a crash, your own policy’s personal injury protection pays your medical bills, lost wages and replacement services, no matter who caused it. For policies issued or renewed after July 1, 2020, you choose how much PIP medical coverage to carry. Lower limits and opting out depend on your health coverage, such as Medicaid or Medicare, and wage loss and replacement services stay on your policy whichever medical level you pick.

If you don’t pick a PIP medical level, your policy includes unlimited coverage. The Michigan Department of Insurance and Financial Services explains who qualifies for each option and the forms you need.

What Car Insurance Is Required in Michigan?

Michigan law requires each policy to include personal injury protection, up to $1 million in property protection insurance and injury liability coverage of $250,000 per person and $500,000 per crash, though you can sign a form to choose less. The minimum limits you can choose are $50,000 and $100,000, along with $10,000 in property damage coverage in another state.

• Personal injury protection (PIP): pays medical bills, lost wages for up to three years and up to $20 a day for replacement services after a crash, no matter who caused it, under MCL 500.3107. You choose a PIP medical level; if you don’t, you get unlimited coverage.
• Property protection insurance (PPI): pays up to $1 million for damage your car does in Michigan to other people’s property, such as buildings, fences and properly parked cars, according to the Department of Insurance and Financial Services.
• Residual liability: $250,000 per person and $500,000 per crash for injuries you cause, unless you sign a form choosing lower limits; the lowest you can choose is $50,000 and $100,000, plus $10,000 for property damage in another state, under MCL 500.3009.

That makes 50/100/10 the lowest liability limits you can buy and 250/500 the default. Before July 2, 2020, the minimum was 20/40/10, the limits our liability-only prices use, so a policy that meets today’s law will generally cost more than our liability-only figures. Our full-coverage prices use 100/300 bodily injury limits, between the 50/100 floor and the 250/500 default.

The Mini-Tort Rule and Lawsuits

PPI doesn’t pay for damage to cars that aren’t properly parked, under MCL 500.3123. Instead, if you’re 50% or more at fault in a crash, the other driver can recover up to $3,000 from you for damage to their car that insurance doesn’t cover, under Michigan’s mini-tort rule, as the Michigan Department of Insurance and Financial Services explains. You can be sued for pain and suffering only after a death, a serious impairment of body function or permanent serious disfigurement, and not by someone who was more than 50% at fault, under MCL 500.3135.

Proof of Insurance and Penalties in Michigan

Keep your Michigan no-fault insurance certificate in the car or with you when you drive. You can show it on your phone, and an officer may only view the electronic copy, under MCL 257.328. You also need proof of Michigan no-fault insurance to renew your plate, and you can renew online only if your insurer reports your coverage to the state electronically, according to the Michigan Department of State.

Driving without insurance is a misdemeanor in Michigan, with a fine of $200 to $500, up to a year in jail or both, under MCL 500.3102, and a court can suspend your license for 30 days or until you show proof of coverage, whichever is later. An owner whose car was uninsured generally can’t collect PIP benefits after a crash in it, under MCL 500.3113.

Rating Rules and Complaints

Insurers can’t base car insurance rates on sex, marital status, home ownership, credit score, education, occupation or ZIP code, but they can group drivers by territory, under MCL 500.2111. Auto rates must be filed with and approved by the Michigan Department of Insurance and Financial Services before insurers use them. For problems with an insurer, you can file a complaint with the department online or call 833-ASK-DIFS.

How to Lower Your Car Insurance Rate in Michigan

1. Quote several insurers. In our Michigan table, the lowest and highest averages among insurers anyone can buy from are about $570 a month apart for the same driver and car.
2. Compare GEICO and Progressive first. GEICO has the lowest full-coverage average among insurers anyone can buy from in our Michigan table, about $138 a month, and Travelers and Progressive are effectively tied for next, at about $168 and $172 a month.
3. Choose your PIP medical level on purpose. Picking $500,000 or $250,000 instead of unlimited lowers your premium, but it also caps what your policy pays for your medical care after a crash. Lower options depend on your health coverage: $50,000 is for Medicaid enrollees, and opting out requires Medicare Parts A and B, according to the Michigan Department of Insurance and Financial Services.
4. Think twice before lowering your liability limits. Michigan’s default is 250/500, and you can sign a form to drop to 50/100, under MCL 500.3009, but lower limits leave you exposed if you seriously injure someone.
5. Know the mini-tort rule. If you’re 50% or more at fault in a crash, the other driver can recover up to $3,000 from you for damage to their car that insurance doesn’t cover, as the Michigan Department of Insurance and Financial Services explains, so ask how your policy handles it.
6. Keep proof of insurance on your phone. Michigan lets you show an electronic copy of your insurance certificate, and an officer may only view it, under MCL 257.328.
7. Compare at every renewal. Over the past nine months, Hanover has cut its statewide average 20.4% and State Farm 5.3%, while Auto-Owners has raised its average 0.6%, so the order in our table can shift.
8. Ask about discounts and check your deductible. Many insurers lower rates for a clean driving record, paying in full or insuring more than one car, so ask which car insurance discounts you qualify for. Our full-coverage prices use $500 deductibles. A higher deductible lowers your premium but means you pay more yourself after a claim; see how your deductible works.
9. Price a bundle. Pairing your auto policy with a home or renters policy usually earns a multi-policy discount. See home insurance costs in Michigan and our home insurance guides for Detroit and Grand Rapids, then compare free home insurance quotes.

Compare Michigan Car Insurance Quotes

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How We Calculated Michigan Car Insurance Rates

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.

• Sample: 2,400 full-coverage premiums from five insurers across 480 Michigan ZIP codes, plus the same number of liability-only and 50/100/50 premiums.
• Driver: a single 40-year-old driver, licensed 24 years, with good credit and no accidents or violations, driving a 2024 Toyota Camry LE they own, for personal use. Michigan doesn’t let insurers use gender to set car insurance rates, so the price is the same for men and women.
• Coverage: full coverage is 100/300/100 liability with $500 comprehensive and collision deductibles and 100/300 uninsured and underinsured motorist coverage. We also price 50/100/50 with the same deductibles, and liability-only coverage at 20/40/10 limits, with no comprehensive or collision. Michigan’s minimum has been 50/100/10 since July 2, 2020, so our liability-only prices use lower limits than the law requires. Michigan’s default is 250/500 bodily injury liability unless you sign a form choosing less. Every Michigan policy also includes personal injury protection and property protection insurance, and the PIP medical level you choose changes your own price; the requirements section of this page explains the choices.
• Calculation: for each insurer we take its lowest eligible price in each ZIP code and average those prices across the ZIP codes. The overall average is the mean of every insurer-and-ZIP price, including Hanover’s. We also show the average without Hanover, whose prices are far above the other insurers’, so you can see how much it moves the number. Monthly figures are annual premiums divided by 12 and rounded.
• Rankings: we name a cheapest insurer only where it’s priced in at least half the ZIP codes and its lead over the next insurer isn’t so wide that it looks like an outlier. Where one insurer’s lead is that wide, we show the range of prices instead. Annual prices within 3% of each other are called effectively tied. An insurer marked * is named cheapest only when it’s priced below every major insurer we compared and at least half of the statewide rate studies we cite rank it cheapest.
• Rate changes: we compare the same insurer in the same ZIP codes, for the same driver and coverage, in rates as of Nov. 30, 2025, and Aug. 31, 2026. Farm Bureau is new in our rates since November 2025, and the AAA Auto Club row uses its November 2025 rates, so both are left out of rate-change comparisons; the other four insurers are in both sets of rates. Rate-change percentages are calculated from the annual premiums shown; other percentages use the rounded monthly figures.
• Insurers marked *: priced from published 2026 Michigan rate studies, scaled to our benchmark driver. They aren’t included in our averages. The AAA Auto Club row shows its November 2025 rates, so it isn’t included in our averages or rankings.
• What this isn’t: a quote. These are modeled prices for one driver profile, calculated from insurers’ rate filings. Your price depends on your ZIP code, vehicle, driving record, coverage choices, including your PIP medical level, and discounts.

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.

More Michigan Car Insurance Breakdowns

The table below comes from an additional InsuranceQuotes rate analysis that priced state-minimum and full coverage in 15 Michigan cities for a single, middle-aged driver with a clean record and a used car. It uses its own driver profile and mix of insurers, so its prices differ from the averages above. In it, Detroit, Dearborn and Warren rank as the most expensive of the 15 cities and Ann Arbor as the least expensive. Use it to compare cities with each other.

Michigan Car Insurance FAQ