Average Car Insurance Cost in Michigan
Numbers refreshed
Michigan averages from NAIC, broken down by coverage, with their national rank.
- $1,791.yearly average for full coverage.
- Minimum liability limits of 50/100/10.
- Michigan ranks 11th of 51 as the most expensive state (1st = highest).
Average Michigan costs for each coverage type
In Michigan, the yearly average for full coverage is $1,791. The figure is 11% above the US annual average of $1,613.
Average spending per insured car was $1,446 in 2023. By 2024, it had reached $1,631, an increase of 12.8%.
| Coverage in Michigan | Per year | Per month |
|---|---|---|
| Liability | $831 | $69 |
| Collision | $658 | $55 |
| Comprehensive | $303 | $25 |
| Full coverage (all three) | $1,791 | $149 |
Source: NAIC 2024 Auto Insurance Database Average Premium Supplement (PDF).
Similar states compared with Michigan
| State | Rank | Full coverage a year | A month |
|---|---|---|---|
| Nevada | 8th | $1,866 | $155 |
| Rhode Island | 9th | $1,850 | $154 |
| Colorado | 10th | $1,835 | $153 |
| Michigan | 11th | $1,791 | $149 |
| Maryland | 12th | $1,768 | $147 |
| Delaware | 13th | $1,746 | $145 |
| California | 14th | $1,690 | $141 |
Source: NAIC 2024 Auto Insurance Database Average Premium Supplement (PDF).
Your personal number
Averages combine data from every age and record. The Michigan cost calculator adjusts the figure for yours.
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