Michigan Car Insurance Calculator
Calculate your auto insurance cost in Michigan. Compare with state averages and find savings.
$2,309
Avg Annual Premium
50/100/10
Min Liability
Monthly Avg
$192
Full Coverage
$2,989
Min Coverage
$756
Uninsured Rate
20.3%
Michigan Car Insurance Requirements
Minimum Liability Coverage
Bodily Injury (per person)$50,000
Bodily Injury (per accident)$100,000
Property Damage$10,000
Additional Requirements
PIP RequiredYes ($50,000 min)
Uninsured MotoristOptional
Med Pay RequiredNo
Factors Affecting Car Insurance Rates in Michigan
Unlimited PIPHigh uninsured rateDetroit urban ratesNo-fault system
Major Metro Areas in Michigan
DetroitGrand RapidsWarrenAnn ArborLansing
FAQ
Michigan Car Insurance FAQ
Everything you need to know about car insurance rates, requirements, and savings in Michigan
The average annual car insurance premium in Michigan is $2,309, or about $192 per month. Full coverage averages $2,989 annually, while minimum coverage averages $756. Your actual rate depends on your age, driving record, vehicle, and coverage level.
Michigan requires minimum liability coverage of 50/100/10 ($50,000/$100,000 for bodily injury and $10,000 for property damage). Michigan also requires Personal Injury Protection (PIP) with a minimum of $50,000.
Key factors affecting Michigan car insurance rates include: Unlimited PIP, High uninsured rate, Detroit urban rates, No-fault system. Additionally, your age, driving history, credit score, vehicle type, annual mileage, and coverage level all impact your premium.
Approximately 20.3% of drivers in Michigan are uninsured. This is higher than the national average, making uninsured motorist coverage especially important. Uninsured motorist coverage protects you if you're hit by an uninsured driver.
To lower your Michigan car insurance: 1) Compare quotes from multiple insurers like State Farm, GEICO, Progressive. 2) Increase your deductible. 3) Bundle with home insurance. 4) Take a defensive driving course. 5) Maintain a clean driving record. 6) Ask about discounts for low mileage, good students, or safe driving apps.
The top car insurance companies in Michigan include: State Farm, GEICO, Progressive, Auto-Owners, Citizens Insurance. Each company offers different rates and discounts, so it's best to compare quotes from multiple insurers to find the best rate for your situation.
MI Insurance Costs
Average premiums in Michigan:
- Annual Average$2,309
- Monthly Average$192
- Full Coverage$2,989
- Minimum Coverage$756
MI Requirements
Minimum coverage required:
- Liability50/100/10
- PIP RequiredYes
- UM RequiredNo
- Uninsured Rate20.3%
Top MI Insurers
Popular insurance companies:
- •State Farm
- •GEICO
- •Progressive
- •Auto-Owners
- •Citizens Insurance