Car Insurance in Michigan
: the figures were refreshed
What drivers pay in Michigan, the legal minimum and who has the lowest prices.
- Full coverage costs $149 on average each month
- The minimum liability limits are 50/100/10
- Michigan ranks 11th among 51 states for cost (1st = highest).
Car insurance costs in Michigan
With full coverage, the average Michigan driver pays $1,791 a year, or about $149 a month A policy with just the legal minimum averages $831 a year This cost is 11% higher than the yearly US average of $1,613.
| 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).
The legal minimum for Michigan
Liability coverage in Michigan must reach at least 50/100/10. The limits are $50,000 per injured person, $100,000 for all injured people in a single crash and $10,000 to cover another person's property damage.
Michigan's no-fault rules mean your own insurer pays your medical bills following a crash, regardless of who caused it.
Insurers must offer uninsured motorist cover in most states, though it isn't required
Source: Michigan Auto Insurance (DIFS), Choosing Bodily Injury Coverage.
How many of Michigan's drivers lack insurance?
In 2023, about 22% of Michigan drivers had no car insurance. This was the 4th highest share of the 51 If an uninsured driver hits you, uninsured motorist cover pays your bills
The first version was written on