Michigan Car Insurance Quotes & Average Rates
Full coverage car insurance in Michigan is estimated at $3,136 a year, or $261 a month, for a 35-year-old driver with a clean record. A state-minimum liability policy comes in near $1,109 a year. Michigan is a no-fault state, and drivers must carry 50/100/10 liability limits. Below you will find estimated rates for 78 Michigan cities, a breakdown by age and driving record, and the coverage the state actually requires.
Car insurance calculator — Michigan
Estimated from state average premiums and your rating factors. Not a quote.
We may be paid a referral fee when you request quotes through partner links on this page. It never changes what you pay. Estimates are modelled, not quoted — see our methodology.
Cheapest car insurance companies in Michigan
| Insurer | Est. annual | Est. monthly | vs. average | Notes |
|---|---|---|---|---|
| USAA | $2,383 | $199 | -24% | Military members and families only |
| Geico | $2,572 | $214 | -18% | Usually cheapest for clean records |
| State Farm | $2,760 | $230 | -12% | Strong for young and student drivers |
| Progressive | $2,979 | $248 | -5% | Competitive after a ticket or accident |
| Travelers | $3,042 | $254 | -3% | Good multi-policy discounts |
| Nationwide | $3,136 | $261 | 0% | Mid-market, wide availability |
| Allstate | $3,575 | $298 | +14% | Higher base rate, heavy discount stacking |
| Farmers | $3,795 | $316 | +21% | Agent-led, priced above market |
Modelled estimates for a 35-year-old with a clean record and full coverage in Michigan. USAA tends to sit lowest, but the ranking flips constantly by ZIP and driver profile — which is exactly why quoting three carriers is worth the ten minutes.
Michigan car insurance rates by age
| Driver age | Full coverage / yr | Minimum / yr | Full coverage / mo |
|---|---|---|---|
| 16 years old | $8,469 | $2,997 | $706 |
| 18 years old | $7,144 | $2,528 | $595 |
| 20 years old | $5,915 | $2,093 | $493 |
| 22 years old | $4,913 | $1,739 | $409 |
| 25 years old | $3,750 | $1,327 | $312 |
| 30 years old | $3,232 | $1,144 | $269 |
| 40 years old | $3,039 | $1,075 | $253 |
| 50 years old | $2,909 | $1,029 | $242 |
| 60 years old | $2,877 | $1,018 | $240 |
| 65 years old | $3,006 | $1,064 | $251 |
| 70 years old | $3,297 | $1,167 | $275 |
| 75 years old | $3,847 | $1,361 | $321 |
Estimated premiums by age in Michigan, clean record, sedan.
How violations change your Michigan premium
| Driving record | Est. annual | Increase |
|---|---|---|
| Clean record | $3,136 | — |
| 1 speeding ticket | $3,857 | +23% |
| 1 at-fault accident | $4,609 | +47% |
| DUI / DWI | $5,926 | +89% |
What a violation costs a 35-year-old in Michigan. Surcharges normally stay on the policy for three to five years.
A DUI in Michigan usually also triggers an SR-22 filing requirement, which most standard carriers will not write.
Michigan minimum insurance requirements
| Required coverage in Michigan | Minimum limit |
|---|---|
| Bodily injury liability, per person | $50,000 |
| Bodily injury liability, per accident | $100,000 |
| Property damage liability | $10,000 |
| PIP (selectable levels) | Required |
| Property Protection $1,000,000 | Required |
| Insurance system | No-fault |
Limits are set by statute and change from time to time. Confirm the current figures with the Michigan Department of Insurance before you buy.
Coverage levels in Michigan
| Coverage level | Est. annual | Est. monthly |
|---|---|---|
| State minimum liability | $1,109 | $92 |
| Full coverage (100/300/100 + comp & collision) | $3,136 | $261 |
| Full coverage, high limits + low deductible | $3,731 | $311 |
Coverage level comparison for Michigan.
Car insurance rates in Michigan cities
Estimated annual full-coverage premium for a 35-year-old with a clean record, across the 78 Michigan cities we price.