Full Coverage Car Insurance in Michigan
Figures updated
Liability, collision and comprehensive together, priced from the Michigan averages.
- $149. the average monthly cost of full coverage.
- 50/100/10. the lowest liability limits.
- 11th of 51most expensive state (1st = highest)
How much full coverage costs in Michigan
Full coverage adds collision and comprehensive to liability. Combined, those two parts in Michigan add $960 a year to the $831 liability average.
| 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).
When full coverage stops being worth it
Your lender or lease company requires it for as long as you owe on the car.
After the vehicle is paid for, weigh what it's worth against the $960 a year the added cover costs. If a single bad year of premiums would pay for most of the vehicle, liability only is usually the smarter buy.
Full coverage in Michigan, by car
Based on IIHS-HLDI loss results, the estimates cover an adult with a clean record. The cheapest and priciest of the 40 models we price:
| Car | Per year | Per month |
|---|---|---|
| Honda Pilot | $1,150 | $96 |
| Honda CR-V | $1,159 | $97 |
| Subaru Outback | $1,234 | $103 |
| Toyota RAV4 | $1,351 | $113 |
| Mercedes-Benz C-Class | $2,449 | $204 |
| Chevrolet Camaro | $2,831 | $236 |
| Dodge Charger | $3,205 | $267 |
| Dodge Challenger | $3,337 | $278 |
Source: NAIC 2024 Auto Insurance Database Average Premium Supplement (PDF); IIHS-HLDI, Insurance losses by make and model, 2022-24 models (page table; values via the page's own API).
It was first written