Michigan Home Insurance at a Glance
For the same house, homeowners insurance in Michigan averaged $4,586 a year ($382 a month) across the 4 insurers we compared, 47.9% above the average of the 50 states and D.C. That’s for a 2,000 sq ft wood-frame house with a composition roof, built in 1997 and insured for $300,000 with a $1,000 deductible.
For the same home, prices among the 4 insurers we compared ranged from $119 to $962 a month, an $843-a-month gap for identical coverage. Farm Bureau Insurance of Michigan priced far above the others; the other 3 ranged from $119 to $320. These are sample prices for one example home, not quotes or offers.
- $300K dwelling
- $1,000 deductible
- $300K liability
- Built 1997
- Composition roof
- 2,000 sq ft wood-frame house
- See the homes we priced
Rates as of Sept. 30, 2026 · Page updated Nov. 2, 2026
Michigan home insurance: key numbers
- Home
- $4,586/yr $382/mo
- Home without Farm Bureau Insurance of Michigan
- $2,266/yr $189/mo
- Renters
- $691/yr $58/mo
- Condo
- $695/yr $58/mo
How much is homeowners insurance in Michigan?
Homeowners insurance in Michigan averages $382 a month for the house we priced, with rates as of Sept. 30, 2026. The 4 major insurers we compared are Auto-Owners, Auto Club Group (AAA members), Hanover and Farm Bureau Insurance of Michigan, and each one priced our sample home in all 480 Michigan ZIP codes in our data, which span 70 counties. For this house, Michigan is the 7th most expensive of the 50 states and D.C.
Our figures are for a $300,000 dwelling; insuring a larger or costlier house for more usually costs more.
For the same insurers and ZIP codes, the Michigan average fell 1.0% since Nov. 2025, from $4,631 a year ($386 a month) on Nov. 30, 2025, to $4,586 ($382) on Sept. 30, 2026, as Auto Club Group’s (AAA members) rose 3.9%, Auto-Owners’ fell 3.7% and Farm Bureau Insurance of Michigan’s fell 1.7%.
Homeowners insurance averages by insurer in Michigan for our sample home (rates as of Sept. 30, 2026)
| Insurer | Per month | Per year |
|---|---|---|
| Auto-Owners | $119 | $1,425 |
| Auto Club Group (AAA members) | $128 | $1,532 |
| Hanover | $320 | $3,842 |
| Farm Bureau Insurance of Michigan | $962 | $11,546 |
Auto-Owners averaged $119 a month ($1,425 a year), Auto Club Group (AAA members) $128 ($1,532), Hanover $320 ($3,842) and Farm Bureau Insurance of Michigan $962 ($11,546) for our sample home.
Same sample home: each insurer’s average yearly price in the same Michigan ZIP codes, Nov. 30, 2025 and Sept. 30, 2026
| Insurer | Nov. 30, 2025 (per year) | Sept. 30, 2026 (per year) | Change |
|---|---|---|---|
| Auto Club Group (AAA members) | $1,474 | $1,532 | +3.9% |
| Hanover | $3,825 | $3,842 | +0.4% |
| Farm Bureau Insurance of Michigan | $11,746 | $11,546 | −1.7% |
| Auto-Owners | $1,480 | $1,425 | −3.7% |
All 4 insurers in the table priced the same 480 Michigan ZIP codes on both dates.
By ZIP code: each insurer’s yearly price for the same house changed with the Michigan address:
- Auto-Owners ran from $907 to $5,406 a year by ZIP code and priced all 480 Michigan ZIP codes in our data.
- Auto Club Group (AAA members) charged $1,532 a year in every ZIP code it priced and priced all 480 Michigan ZIP codes in our data.
- Hanover ran from $2,375 to $6,092 a year by ZIP code and priced all 480 Michigan ZIP codes in our data.
- Farm Bureau Insurance of Michigan ran from $6,660 to $35,324 a year by ZIP code and priced all 480 Michigan ZIP codes in our data.
Why one insurer stands out: Farm Bureau Insurance of Michigan’s average for our sample home, $962 a month, is about 5.1 times the other 3 insurers’ average. It stays in our figures. Without it, the Michigan average would be $189 a month ($2,266 a year), 26.9% below the average of the 50 states and D.C.
Same sample home with all 4 insurers and without Farm Bureau Insurance of Michigan (rates as of Sept. 30, 2026)
| Place | Per month | Per year | Michigan vs. this place |
|---|---|---|---|
| Michigan, all 4 insurers | $382 | $4,586 | Baseline |
| Michigan, without Farm Bureau Insurance of Michigan | $189 | $2,266 | +102.4% |
| Average of the 50 states and D.C. | $258 | $3,101 | +47.9% |
The 50-states-and-D.C. figure includes every insurer we priced in each state.
Who has the cheapest homeowners insurance in Michigan?
Prices for the same home vary so much by insurer and ZIP code that the lowest one for our sample home may not be lowest for you, so compare a few quotes. The home table above lists every insurer’s average for the same home.
What changes your price: where the house sits, its value, age and roof, your deductibles, claims and credit, and whether you add a car. In Michigan, ZIP code averages for this house ran from $264 a month in Ann Arbor to $974 in Detroit, while insurers’ statewide averages ran from $119 to $962.
MichiganRates as of Sept. 30, 2026
Michigan Home Insurance Cost Calculator
Same sample home and coverage in all 480 Michigan ZIP codes we priced, from insurers’ filed rates. Only the insurer and the ZIP code change.
In Michigan, our sample house costs $382 a month ($4,586 a year) on average across 480 ZIP codes and 4 insurers. Rates as of Sept. 30, 2026.
| Insurer | A month | A year | ZIP codes priced |
|---|---|---|---|
| Auto-Owners | $119 | $1,425 | 480 |
| Auto Club Group (AAA) members only | $128 | $1,532 | 480 |
| Hanover | $320 | $3,842 | 480 |
| Farm Bureau Insurance of Michigan | $962 | $11,546 | 480 |
Our sample houseSame in every ZIP code, so only the price changes
- 2,000 sq ft, two-story
- Frame house, composition roof
- Built in 1997
- $300,000 dwelling coverage
- $300,000 liability
- $1,000 deductible
- 2% hurricane deductible where used
- Owner 40, good credit, no claims in 10 years
Sample prices built from insurers’ filed rates, not quotes or offers.
- Lowest and highest ZIP code averages: 48109 (Ann Arbor) at $264 a month and 48226 (Detroit) at $974 a month.
- One high price: Farm Bureau Insurance of Michigan’s price is at least twice the average of the other insurers here. Without Farm Bureau Insurance of Michigan, the average is $189 a month ($2,266 a year).
- Members only: Auto Club Group (AAA) sells only to auto club members. We never call a members-only insurer the lowest price anyone can buy.
- Not in these numbers: some prices from State Farm for this policy carry an insurer note we’re still reviewing, so they stay out until we decide, and we don’t name a lowest price here.
Try a ZIP code:
- Same sample policy in every ZIP code
- Insurers’ filed rates as of Sept. 30, 2026
- Sample prices, not quotes or offers
How we priced this
We priced one sample policy per type. House: a 2,000-square-foot, two-story frame house with a composition roof, built in 1997, with $300,000 in dwelling coverage, $300,000 liability, a $1,000 deductible and a 2% hurricane deductible; a 40-year-old owner with good credit and no claims in 10 years. Condo: a condo policy with $60,000 of condo coverage, $300,000 liability and a $1,000 deductible (building built in 2005); a 40-year-old owner with good credit and no claims. Renters: a renters policy with $40,000 for your belongings, $300,000 liability and a $1,000 deductible; a 40-year-old renter with good credit and no claims. For each insurer and ZIP code we use the lowest price it returned that can actually be bought; a ZIP code’s average is the average of its insurers, and the Michigan average is the average of its ZIP codes, so each ZIP code counts once.
When one insurer’s lead over the next is under 5% or over 30%, we name the two lowest instead of one. Insurers that sell only to members (USAA, AAA clubs) are labeled and never called the lowest price anyone can buy.
Your ZIP code matters
Where is home insurance cheapest in Michigan? Costs by city
For the same house, Ann Arbor has the lowest average of the cities in the table with at least 5 ZIP codes, $271 a month, and Detroit the highest, $785, 105.5% above the state average. 21 more cities have only 3 or 4 ZIP codes in our data and are marked as small samples.
Same sample home: average home insurance prices in 29 Michigan cities (rates as of Sept. 30, 2026)
| City | Per month | Per year | vs. state |
|---|---|---|---|
| Ann Arbor 5 ZIP codes | $271 | $3,255 | −29.0% |
| Rochester 3 ZIP codes, small sample | $294 | $3,527 | −23.1% |
| Traverse City 4 ZIP codes, small sample | $302 | $3,619 | −21.1% |
| Troy 4 ZIP codes, small sample | $307 | $3,678 | −19.8% |
| Novi 3 ZIP codes, small sample | $315 | $3,784 | −17.5% |
| Lake Orion 3 ZIP codes, small sample | $328 | $3,931 | −14.3% |
| West Bloomfield 3 ZIP codes, small sample | $344 | $4,123 | −10.1% |
| Grand Rapids 12 ZIP codes | $346 | $4,152 | −9.5% |
| Lansing 6 ZIP codes | $347 | $4,160 | −9.3% |
| Livonia 3 ZIP codes, small sample | $347 | $4,168 | −9.1% |
| Jackson 3 ZIP codes, small sample | $348 | $4,172 | −9.0% |
| Kalamazoo 7 ZIP codes | $352 | $4,224 | −7.9% |
| Utica 3 ZIP codes, small sample | $359 | $4,304 | −6.2% |
| Bloomfield Hills 3 ZIP codes, small sample | $361 | $4,330 | −5.6% |
| Farmington 4 ZIP codes, small sample | $367 | $4,399 | −4.1% |
| St. Clair Shores 3 ZIP codes, small sample | $376 | $4,510 | −1.7% |
| Burton 3 ZIP codes, small sample | $378 | $4,532 | −1.2% |
| Clinton Township 3 ZIP codes, small sample | $380 | $4,558 | −0.6% |
| Saginaw 6 ZIP codes | $385 | $4,615 | +0.6% |
| Battle Creek 4 ZIP codes, small sample | $392 | $4,705 | +2.6% |
| Sterling Heights 4 ZIP codes, small sample | $392 | $4,709 | +2.7% |
| Warren 5 ZIP codes | $394 | $4,723 | +3.0% |
| Waterford 3 ZIP codes, small sample | $396 | $4,754 | +3.7% |
| Muskegon 4 ZIP codes, small sample | $434 | $5,205 | +13.5% |
| Pontiac 3 ZIP codes, small sample | $451 | $5,413 | +18.0% |
| Dearborn 4 ZIP codes, small sample | $461 | $5,527 | +20.5% |
| Flint 6 ZIP codes | $558 | $6,696 | +46.0% |
| Southfield 4 ZIP codes, small sample | $577 | $6,919 | +50.9% |
| Detroit 25 ZIP codes | $785 | $9,425 | +105.5% |
| Michigan 480 ZIP codes | $382 | $4,586 | Baseline |
Each city covers the ZIP codes in our data with that city as their main mailing address; small sample means fewer than 5 ZIP codes.
Lowest vs. highest ZIP code for our sample home (rates as of Sept. 30, 2026)
Lowest
48109
Ann Arbor (Washtenaw County)
$264/mo
$3,169 a year
Highest
48226
Detroit (Wayne County)
$974/mo
$11,690 a year
Of the 480 Michigan ZIP codes we priced, Detroit’s 48226 had the highest average for our sample home, about 3.7 times that of the lowest, 48109 in Ann Arbor.
The five highest-priced ZIP codes are 48226 in Detroit ($974 a month), 48221 in Detroit ($970 a month), 48224 in Detroit ($969 a month), 48202 in Detroit ($968 a month) and 48201 in Detroit ($967 a month).
The five lowest-priced ZIP codes are 48109 in Ann Arbor ($264 a month), 48104 in Ann Arbor ($267 a month), 48105 in Ann Arbor ($268 a month), 49783 in Sault Sainte Marie ($271 a month) and 49601 in Cadillac ($271 a month).
Same house, different state: how does Michigan compare?
Michigan costs more for the identical house than all 3 of its neighbors: its $382 a month is 68.2% above Indiana’s $227.
Same sample home: average home insurance prices in Michigan, neighboring states and the 50 states and D.C. (rates as of Sept. 30, 2026)
| Place | Per month | Per year | Michigan vs. this place |
|---|---|---|---|
| Michigan | $382 | $4,586 | Baseline |
| Wisconsin | $148 | $1,774 | +158.5% |
| Ohio | $171 | $2,049 | +123.8% |
| Indiana | $227 | $2,726 | +68.2% |
| Average of the 50 states and D.C. | $258 | $3,101 | +47.9% |
Same sample house in every state; each figure averages every insurer we priced there, so one high-priced insurer can lift a state’s average.
Of the other 49 states and D.C., 44 have a lower average for this house than Michigan and 6 a higher one.
Compare all states: home insurance costs for the same house in all 50 states and D.C.
What does a Michigan homeowners policy cover?
A standard homeowners policy pays to repair or rebuild after covered damage such as fire, lightning, wind and hail, theft and some water damage from burst pipes; flood and earthquake damage need separate coverage. All six coverages below are inside the $4,586-a-year Michigan average for our sample home.
- Dwelling ($300,000): the house itself, from the foundation to the roof.
- Other structures ($30,000): a detached garage, carport, fence or shed.
- Personal property ($150,000): furniture, clothes and electronics.
- Loss of use ($30,000): a rental and other extra costs while repairs keep you out.
- Personal liability ($300,000): legal defense and damages if you’re responsible for someone’s injury or property damage.
- Medical payments ($5,000): smaller medical bills for a guest hurt at your home.
Say a storm damages the roof and the repair costs $15,000. With the $1,000 deductible we priced, the policy would pay up to $14,000. With a 2% wind and hail deductible on the same $300,000 house, you’d pay the first $6,000 instead, and the policy up to $9,000.
How much is homeowners insurance on a $300,000 house in Michigan?
For a house with $300,000 of rebuilding coverage and a $1,000 deductible, homeowners insurance in Michigan averages $382 a month ($4,586 a year) across the 4 insurers we compared in 480 ZIP codes (rates as of Sept. 30, 2026). That’s 47.9% above the $258-a-month average of the 50 states and D.C. for the same house. Insurers’ averages for that same house ran from $119 to $962 a month. Without Farm Bureau Insurance of Michigan, which priced far above the rest, the average would be $189 a month.
Is $400 a month a lot for home insurance in Michigan?
$400 a month is 4.7% above our sample home’s $382-a-month Michigan average; Michigan is the 7th most expensive of the 50 states and D.C. for this house. 3 of the 4 insurers we compared averaged under $400 for the same house: Auto-Owners ($119), Auto Club Group (AAA members) ($128) and Hanover ($320). If a quote for your home is near $400, compare its dwelling limit and deductibles with ours ($300,000 and $1,000) before you decide.
Why your Michigan quote may differ from these prices
Use our one-house figures as a starting point when you compare homeowners insurance quotes for yours.
Your roof: Our sample house has a composition roof, and we priced it without a roof age. Insurers often charge more for older roofs, so ask how your roof’s age and material change your quote.
Your claims and credit: a recent claim, or weaker credit where an insurer uses it, can push a Michigan quote above the $382 a month our claim-free, good-credit owner averages.
Your deductibles: our house has one $1,000 deductible for covered losses other than a hurricane. If your policy has a separate percentage deductible for wind and hail, your premium and your out-of-pocket cost after a storm will both differ from ours.
What is the 80% rule in homeowners insurance?
A consumer guide from the National Association of Insurance Commissioners, the group of state insurance regulators, explains that many policies reduce a partial-loss payment if you insure for less than 80% of your home’s replacement cost, the cost to rebuild it. For our $300,000 sample house, that’s at least $240,000, so check your limit against a current rebuilding cost, not the home’s market value.
Why is homeowners insurance so expensive in Michigan?
For our sample house, Michigan is the 7th most expensive of the 50 states and D.C. That’s 47.9% above the $258-a-month average of the 50 states and D.C. Insurers’ Michigan averages for the same house ran from $119 to $962 a month. Without Farm Bureau Insurance of Michigan, which priced far above the rest, Michigan would average $189 a month. Our figures don’t separate causes; these official records show what Michigan homes face.
The May 2020 failure of the Edenville and Sanford dams in Midland County led to a federal disaster declaration (FEMA-4547).
A standard homeowners policy doesn’t cover flooding, and water that backs up through a sewer or drain usually needs added coverage, so ask your insurer about a backup endorsement.
How do wind and hail deductibles work in Michigan?
Your deductible is the amount you pay out of pocket on each claim before your insurer pays. The house we priced has a $1,000 deductible for covered losses other than a hurricane, including wind and hail. Our sample home request also includes a 2% hurricane deductible, a setting we use in every state; real Michigan policies may use a separate wind and hail deductible, so ask for yours.
Your wind and hail deductible in dollars (illustration only)
| Dwelling coverage | 1% | 2% | 5% |
|---|---|---|---|
| $200,000 | $2,000 | $4,000 | $10,000 |
| $300,000 (our sample home) | $3,000 | $6,000 | $15,000 |
| $400,000 | $4,000 | $8,000 | $20,000 |
The table shows deductibles, not premiums. At 2%, the deductible on our sample home’s $300,000 dwelling is $6,000, more than the $4,586 a year that house averages in Michigan.
A higher deductible usually lowers your premium, so weigh the lower price against the bigger bill you’d face after a storm.
How to find cheaper home insurance in Michigan
For our sample home, Michigan insurers’ statewide averages ran from $1,425 to $11,546 a year. These are the levers you control; how much each one moves a quote depends on the insurer and the house, and none of them comes with a promised price.
Compare at least three insurers: even one insurer’s price moves a lot by address: Farm Bureau Insurance of Michigan’s for our sample home ran from $6,660 to $35,324 a year depending on the Michigan ZIP code.
Price two deductibles: ask each insurer for the premium at your current deductible and one step higher, and keep any percentage wind and hail deductible in dollars in mind (2% of $300,000 is $6,000, about 16 months of Michigan’s $382-a-month average premium).
Ask about a tougher roof and safety devices: impact-resistant roofing, smoke detectors, burglar alarms and dead-bolt locks are common discounts to ask about.
Bundle with care: some insurers take roughly 5% to 15% off when you buy home and car insurance together, the Insurance Information Institute says; compare both ways before you decide.
Keep the coverage you need: insuring at least 80% of the rebuilding cost protects you on partial losses, so a lower price that comes from a lower limit can cost you after a large claim.
Guard a clean record: our sample owner has no claims in 10 years, and the $382-a-month Michigan average assumes that clean record; a recent claim can raise a quote.
What if an insurer won’t renew your Michigan home?
Read the notice and your policy’s own cancellation and nonrenewal terms, then start shopping right away. If a notice doesn’t make sense to you, or you need help with a claim, call the Michigan Department of Insurance and Financial Services at 877-999-6442.
If you can’t get coverage in the regular market, the Michigan Basic Property Insurance Association offers property insurance to qualified homeowners; any licensed agent can help you apply.
In our data, every insurer we compared priced our sample home in all 480 Michigan ZIP codes.
Got a nonrenewal notice?
- Note the date your coverage ends and start shopping now.
- Get quotes from at least three insurers (we compared 4 in Michigan, from $119 to $962 a month for the same house), or ask a licensed agent to compare them for you.
- If insurers turn you down, ask a Michigan-licensed agent about the Michigan Basic Property Insurance Association.
- If the notice looks wrong, call the Michigan Department of Insurance and Financial Services at 877-999-6442.
Ready to compare
How much is renters insurance in Michigan?
Renters insurance for our sample renter averages $58 a month ($691 a year) in Michigan. For our sample renter, prices among the 5 insurers we compared ranged from $12 to $175 a month, a $163-a-month gap for the same coverage.
Renters insurance averages by insurer in Michigan for our sample renter (rates as of Sept. 30, 2026)
| Insurer | Per month | Per year |
|---|---|---|
| Auto-Owners | $12 | $145 |
| Auto Club Group (AAA members) | $17 | $199 |
| State Farm | $21 | $255 |
| Hanover | $63 | $756 |
| Farm Bureau Insurance of Michigan | $175 | $2,099 |
Auto-Owners averaged $12 a month ($145 a year), Auto Club Group (AAA members) $17 ($199), State Farm $21 ($255), Hanover $63 ($756) and Farm Bureau Insurance of Michigan $175 ($2,099) for our sample renter.
We don’t name a lowest renters insurer in Michigan (the methodology explains when we do); the renters table above lists every insurer’s average for the same renter, from $12 to $175 a month.
Farm Bureau Insurance of Michigan’s renters average is about 6.2 times the other insurers’ average; without it, Michigan’s renters average would be $28 a month ($339 a year).
Michigan’s renters average is the most expensive of the 50 states and D.C., 169.8% above their average of $21 a month ($256 a year). Our sample renter’s policy costs about 15% of what our sample home costs to insure in Michigan.
For the same insurers and ZIP codes, the Michigan renters average rose 1.3% since Nov. 2025, from $57 to $58 a month, as Auto-Owners’ rose 7.5%, Farm Bureau Insurance of Michigan’s rose 1.6% and Auto Club Group’s (AAA members) rose 0.5%.
By ZIP code, the Michigan renters average for our sample renter ran from $41 a month in Ann Arbor (48104) to $131 in Detroit (48221).
Our sample renter lives in an apartment built in 2005 and insures $40,000 of belongings with $300,000 liability and a $1,000 deductible. The renter is 40, single, with good credit and no claims. Rates as of Sept. 30, 2026, from 2,400 sample prices by 5 insurers across 480 Michigan ZIP codes.
- $40K belongings
- $300K liability
- $1,000 deductible
What does renters insurance cover in a Michigan apartment?
Your landlord’s insurance is for the building; a renters policy is for your belongings and your liability. The policy we priced pays up to $40,000 for belongings after a covered fire, storm or burglary and $300,000 if you’re responsible for someone’s injury or property damage. In Michigan, that package averages $58 a month; flood and earthquake damage need separate coverage.
How we got these renters prices: each insurer’s average across the 480 Michigan ZIP codes in our data. Sample prices, not quotes or offers.
How much is condo insurance in Michigan?
Condo insurance for our sample condo averages $58 a month ($695 a year) in Michigan. For our sample condo, prices among the 5 insurers we compared ranged from $29 to $148 a month, a $119-a-month gap for the same coverage.
Condo insurance averages by insurer in Michigan for our sample condo (rates as of Sept. 30, 2026)
| Insurer | Per month | Per year |
|---|---|---|
| State Farm | $29 | $351 |
| Auto-Owners | $33 | $398 |
| Auto Club Group (AAA members) | $34 | $413 |
| Hanover | $45 | $540 |
| Farm Bureau Insurance of Michigan | $148 | $1,771 |
State Farm averaged $29 a month ($351 a year), Auto-Owners $33 ($398), Auto Club Group (AAA members) $34 ($413), Hanover $45 ($540) and Farm Bureau Insurance of Michigan $148 ($1,771) for our sample condo.
State Farm had the lowest condo average for our sample condo of the insurers anyone can buy from, $29 a month ($351 a year), 11.8% below Auto-Owners’ $398 a year, the next of those insurers. Your unit may price differently, so get a few condo quotes.
Farm Bureau Insurance of Michigan’s condo average is about 4.2 times the other insurers’ average; without it, Michigan’s condo average would be $36 a month ($426 a year).
Michigan’s condo average is the 8th most expensive of the 50 states and D.C., 44.3% above their average of $40 a month ($481 a year). Our sample condo’s policy costs about 15% of what our sample home costs to insure in Michigan.
For the same insurers and ZIP codes, the Michigan condo average rose 2.7% since Nov. 2025, from $56 to $58 a month, as Auto-Owners’ rose 8.3%, Auto Club Group’s (AAA members) rose 5.4% and Farm Bureau Insurance of Michigan’s rose 2.2%.
By ZIP code, the Michigan condo average for our sample condo ran from $45 a month in Ann Arbor (48109) to $118 in Detroit (48224).
Our sample condo is a 2,000-square-foot unit in a building built in 2005, with $60,000 of coverage for the unit, $60,000 for belongings, $300,000 liability and a $1,000 deductible. The owner is 40, single, has good credit and no claims in 10 years.
- $60K unit coverage
- $60K belongings
- $1,000 deductible
- Built 2005
Which part of a Michigan condo is yours to insure?
The association’s master policy covers the building, and your condo policy covers what the declaration and master policy leave to you. In our sample policy, $60,000 covers the inside of the unit and $60,000 your belongings, and that package averages $58 a month in Michigan.
What to check with your HOA before you buy condo insurance
- The master policy: ask the association or manager for its certificate of insurance and declarations page.
- Bare walls or more: find out whether it stops at the bare walls or also covers fixtures and finishes; that sets your unit coverage.
- The master deductible: ask how large it is and whether the association can pass part of it to owners after a storm.
- Loss assessment: ask your insurer how much loss assessment coverage your policy includes (it can pay your share if the association bills owners for a covered loss to shared parts of the building).
Michigan city guides
Home $785/mo
25 ZIP codes in our data
Home $346/mo
12 ZIP codes in our data
You may also want to compare: car + home insurance in Michigan
Many Michigan homeowners insure a car too. Some insurers take roughly 5% to 15% off when you buy home and car insurance from them together (Insurance Information Institute), but the same insurer has to write both policies, and buying both from one insurer isn’t always the lower-priced choice, so compare both ways.
See Michigan car insurance rates · How bundling home and auto insurance works
Frequently asked questions about home insurance in Michigan
How much is home insurance in Michigan?
For the house we priced, Michigan averages $4,586 a year ($382 a month) across the 4 insurers we compared and 480 ZIP codes, with rates as of Sept. 30, 2026. By ZIP code, the average runs from $264 a month in Ann Arbor to $974 in Detroit, so your address matters.
Which Michigan city has the cheapest home insurance?
Of the Michigan cities in our table with at least 5 ZIP codes, Ann Arbor had the lowest average for our sample home, $271 a month, and Detroit the highest, $785.
How much is insurance on a $300,000 home in Michigan?
Our sample home is insured for $300,000 of dwelling coverage, and it averages $382 a month ($4,586 a year) in Michigan across 480 ZIP codes. That’s about $15.29 a year per $1,000 of dwelling coverage, though premiums don’t rise in step with the limit, so quote your own rebuilding cost.
How do I get homeowners insurance quotes in Michigan?
Enter your ZIP code in any quote box on this page to compare free homeowners insurance quotes for your Michigan address. Get at least three: for our sample home, the 2 insurers anyone can buy from that we compared averaged $119 to $320 a month in Michigan.
Why is Michigan home insurance so high?
Our sample house costs $382 a month to insure in Michigan, 47.9% more than the $258-a-month average of the 50 states and D.C. Our prices don’t show each insurer’s reasons, but the insurer you pick matters: for the same Michigan house, they ranged from $119 to $962 a month.
How much is insurance on a $400,000 house in Michigan?
We priced a $300,000 dwelling, not $400,000. For that house, Michigan averages $382 a month. A $400,000 house usually costs more to insure, so get quotes for your own rebuild cost, and remember the 80% rule.
Does Michigan home insurance cover wind and hail damage?
Generally, yes, minus your deductible: a standard homeowners policy covers wind and hail damage. Some insurers use a separate percentage deductible for wind and hail, so work out what yours means in dollars; on our $300,000 sample house, 2% is $6,000, or $1,414 more than a year of the Michigan average premium for that house.
Is flood damage covered by home insurance in Michigan?
No. A standard Michigan home or renters policy doesn’t cover flooding. You can buy it through federal flood insurance (NFIP) or a private insurer, and a new NFIP policy usually takes 30 days to start, so don’t wait for a storm warning.
Are Michigan home insurance rates going up in 2026?
For the house we priced, the Michigan average fell 1.0% for the same insurers and ZIP codes between Nov. 30, 2025 and Sept. 30, 2026, to $382 a month. Your own renewal depends on your insurer, your home and your claims.
What does renters insurance cost in Michigan?
Our sample renter, insuring $40,000 of belongings with $300,000 liability, pays an average of $58 a month ($691 a year) in Michigan across the 5 insurers we compared.
What does condo insurance cost in Michigan?
Our sample condo, with $60,000 of unit coverage and $60,000 for belongings, averages $58 a month ($695 a year) in Michigan across the 5 insurers we compared.
Who regulates home insurance in Michigan?
The Michigan Department of Insurance and Financial Services licenses insurers, oversees their rates and forms, and helps consumers with complaints about claims and nonrenewals. Its consumer line is 877-999-6442.
Official resources for Michigan homeowners
- Michigan Department of Insurance and Financial Services Consumer help, complaints and licensed insurers. Consumer line: 877-999-6442.
- Michigan Basic Property Insurance Association Coverage when the regular market says no.
- National Association of Insurance Commissioners: homeowners guide Coverage basics and the 80% rule.
- FEMA Flood Map Service Center The official source for FEMA flood maps.
- FloodSmart FEMA’s site for the National Flood Insurance Program.
How we calculated these prices
We priced the same house with 4 major insurers, and the same apartment and condo with 5 insurers each, in each of the 480 Michigan ZIP codes in our data, using licensed insurance rate data from Quadrant Information Services, with rates as of Sept. 30, 2026. Each Michigan figure is the average of the ZIP-code averages, and monthly figures are yearly figures divided by 12. These are sample prices for one example home, renter and condo, not quotes or offers.
Full details
The homes we priced
- Home (HO-3, a standard homeowners policy): Our sample home is a 2,000-square-foot, two-story wood-frame house with a composition roof, built in 1997, insured for $300,000 with $150,000 for belongings, $300,000 liability and a $1,000 deductible for covered losses other than a hurricane. Our home price requests also set a 2% hurricane deductible, the same setting in every state. The owner is 40, single, has good credit and no claims in 10 years.
- Renters (HO-4, a renters policy): Our sample renter lives in an apartment built in 2005 and insures $40,000 of belongings with $300,000 liability and a $1,000 deductible. The renter is 40, single, with good credit and no claims.
- Condo (HO-6, a condo unit-owner policy): Our sample condo is a 2,000-square-foot unit in a building built in 2005, with $60,000 of coverage for the unit, $60,000 for belongings, $300,000 liability and a $1,000 deductible. Same owner profile as the home.
- All three are in protection class 3 (a fire-protection rating), 1,000 feet from a hydrant and 3 miles from a fire station, with the distance to the coast set at 10 miles in every state’s price requests, so differences between ZIP codes come from how each insurer prices that ZIP code.
How the averages work: for each insurer and ZIP code we used its lowest eligible price, averaged the insurers in each ZIP code, then averaged the ZIP codes, so every ZIP code counts the same. Percentages are worked out before rounding, so they can differ slightly from the rounded dollars shown. The price change compares the same insurers in the same ZIP codes on Nov. 30, 2025, and Sept. 30, 2026.
Which insurers we name: we don’t name a lowest-priced insurer when its lead over the next one is more than 30%, or when it was priced in fewer than 90% of a place’s ZIP codes, and we show the average without any insurer priced at more than twice the others. Each section says which insurer, if any, passed these tests for that line. We also never name an insurer that sells only to members, such as USAA (military families only) or an AAA insurer, and when the two lowest are within 5% of each other we call it a near tie.
Sample: Home: 1,920 sample prices from 4 insurers across 480 ZIP codes in 70 counties. Renters: 2,400 from 5 insurers. Condo: 2,400 from 5 insurers. Michigan here means the 480 Michigan ZIP codes in our rate data; cities group them by main post-office city.
Insurer notes: we review every note an insurer attaches to a price before publishing.
- State Farm’s home prices in 480 ZIP codes are left out: they carry an insurer note we are still reviewing, so they stay out of our averages until we decide.
- Some counted prices carry notes that don’t change the coverage we priced (for example, a rating-tier label); we keep them.
Comparisons: neighboring-state figures use the same method and rates; the 50-states-and-D.C. figure averages each state’s average and D.C.’s.
Sources for local facts: Michigan Department of Insurance and Financial Services, FEMA, Michigan Basic Property Insurance Association, National Association of Insurance Commissioners, Insurance Information Institute.
Rates as of Sept. 30, 2026; price changes compare prices as of Nov. 30, 2025.
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- About the Author
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Autumn Cafiero Giusti is a licensed life and health insurance broker and award-winning journalist with more than 20 years of experience. She writes extensively about flood, Medicare, home, and life insurance for publications like U.S. News and CBS News.
