Michigan Car Insurance Calculator
Numbers updated
Three questions total, and we don't ask for your name, email or phone For Michigan, the average is already in place.
1 of 2
What's the age of the main driver?
2 of 2
How much cover do you want?
Priced from the NAIC state averages, state rate guides and IIHS-HLDI loss results. How the estimate works
The Michigan averages behind the estimate
The calculator begins with the NAIC averages for Michigan and then adjusts them for age, driving record and the car.
| 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).
How the estimate shifts
| Driver | Price compared with an adult, clean record |
|---|---|
| 16 to 24 | x 3.11 |
| 25 to 64 | x 1.00 |
| 65 or older | x 0.94 |
| Clean record | x 1.00 |
| One speeding ticket | x 1.22 |
| One at-fault accident | x 1.50 |
Source: Texas Department of Insurance / OPIC: HelpInsure.com auto sample rates (public form data endpoint https://www.helpinsure.com/api/autoResults behind https://www.helpinsure.com/auto.html); HelpInsure.com Company FAQ (TDI): sample rates are liability-only; DC Department of Insurance, Securities and Banking: 2024 Automobile Insurance Premium Comparison, Sample Profiles (6 month policy).
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