Popular QuestionsPopular Questions About Michigan Car Insurance

How much does Michigan car insurance cost/yr? $2,476

Michigan residents pay the highest auto insurance rates in the country. That makes it especially important that you seek out the best possible rates. Independent insurance agents can help you find the lowest rates on the coverage you need. 

The average cost for car insurance nationwide is $1,311. In Michigan, residents pay an average of $2,476 per year. You'll get the best rates if you compare quotes from multiple companies before you choose a policy.

michigan car insurance cost chart
What does Michigan car insurance actually do for me?

Michigan's roads can be dangerous, especially during the icy winters. Accidents can happen in the blink of an eye, but here are some ways your car insurance will help...

  • Fix Your Car - Not required. We officially call this "comprehensive & collision coverage" and though it is not required by the state, it may be required by your lender. 
  • Fix Someone Else's Car – Required/Min. $10,000. We officially call this "property damage liability." 
  • Pay Your Medical Bills –Required/Min. $20,000. We officially call this "personal injury protection" or "PIP."
  • Pay Someone Else's Med Bills – Required/Min. $40,000. We officially call this "bodily injury liability."

Like most states, Michigan requires all drivers to have a certain amount of insurance in case of accidents. These limits are designed to make sure drivers are prepared to pay for their own damages and medical bills if they are in an accident on Michigan's busy roads.

Who pays if the accident wasn't my fault?

Michigan is a no-fault insurance state, so each driver's insurance must cover their own damages following a collision, regardless of fault.

How many Michigan drivers are uninsured: 21%

Despite laws that require insurance in Michigan, sometimes people drive without any coverage. With no backup plan in place, they are unable to pay for the damage if they cause an accident.

With more than one-fifth of drivers uninsured, you're always at risk when driving in Michigan. Uninsured motorist coverage can give you peace of mind. This policy option will cover vehicle repairs and medical expenses if you are hit by a driver who doesn't have insurance. 

Which are the best insurance companies in Michigan?

An independent insurance agent compares multiple companies to find the best policy for your needs. 

the hanover insurance group
selective
safeco insurance
westfield insurance

InformationFInd the Best Insurance in Your City

Now, let's take a quick peek at what’s going on in your city. Insurance companies look at a lot of factors when determining car insurance costs. One of many factors is location. Crime rates and time spent in the car will factor into how much your car insurance will cost.

How does your city measure up to the national average?

  • National average car insurance cost - $1318 / year
  • National average car thefts per 1,000 - 2.94
  • National average time spent commuting - 25.4 min


CityCommute time (Min)Auto theft rate per 1,000Annual insurance costMonthly insurance cost
Grand Rapids18.22.37$2,083$174
Troy23.50.74$2,171$181
Flint21.72.62$2,782$232
Lansing183.28$2,314$193
Traverse City14.11.18$1,814$151
Ann Arbor18.50.99$1,895$158
Sterling Heights23.90.88$2,217$185
Farmington Hills250.91$1,999$167
East Lansing14.52.76$1,912$159
Muskegon18.52.43$2,317$193
Southfield25.14.02$2,589$216
Livonia23.21.66$2,387$199
Detroit25.313.31$2,813$234
Waterford28.90.71$1,946$162
Bloomfield Hills21.20.25$1,882$157
Brighton25.52.03$1,914$160
Okemos18.81.08$1,862$155
Kalamazoo16.43.13$2,488$207
Jackson19.31.88$2,397$200
Novi25.80.35$2,099$175
Saginaw18.21.16$2,205$184
Portage18.20.47$2,387$199
Adrian16.40.95$2,106$176
Mount Clemens22.26.41$2,401$200
St. Joseph14.20.6$1,936$161
Dearborn18.93.65$2,498$208
Bay City20.21.31$2,308$192
Plymouth22.41.32$2,226$186
Big Rapids13.20.67$1,824$152
Birmingham20.70.43$1,788$149
Charlotte201.21$1,895$158
DeWitt20.80.64$1,853$154
Grosse Pointe23.80.77$1,944$162
Marquette10.80.34$1,805$150
Petoskey12.41.04$1,847$154
New Baltimore320.49$2,070$173
Hillsdale13.70.73$1,902$159
Clinton Township21.22.03$2,310$193
Howell290.21$2,263$189
Port Huron21.71.3$2,425$202
Battle Creek17.81.65$2,388$199
St. Clair Shores26.51.07$2,468$206
Westland262.04$2,485$207
Clarkston24.40.4$1,798$150
Fenton26.90.52$1,942$162
Flushing25.90.37$1,849$154
Holt19.81.02$1,815$151
Mount Pleasant140.46$1,778$148
Ortonville31.90.18$1,888$158
Rogers City13.60.73$1,818$152


Grosse Pointe, MI Car Insurance

Residents of Grosse Point pay an average of $162 per month for their car insurance. Your rate could be higher or lower than the average depending on several factors such as the year, make, and model of your car; the ages and driving histories of all licensed drivers in your household, and the amount of coverage you are purchasing.

The more time you spend behind the wheel, the higher your chances will be for an auto accident. In Grosse Pointe, commute times are just slightly lower than the national average, which might help to keep insurance rates affordable. 

If you live in an area where the crime rate is high, you face a higher risk for vehicle theft and vandalism. Fortunately, the car theft rate in Grosse Pointe is quite low which means that adding comprehensive coverage to your auto policy won’t be overly expensive.

DeWitt, MI Car Insurance 

The average monthly cost of car insurance inDeWitt is $154. Of course, insurance rates are different for every driver. Your actual rate will be calculated according to a variety of factors like your age, driving history, and vehicle information.

Drivers who spend more time on the road are more likely to get into an accident. That's why long commutes raise insurance premiums. In DeWitt, commute times are lower than the national average, which may reduce rates for many residents.

 Insurance rates are usually higher in cities where crime is prevalent. Fortunately, DeWitt has an incredibly low car theft rate compared with the national average. This could help you score lower rates on coverage.

Charlotte, MI Car Insurance

The average monthly cost of car insurance in Charlotte is $158. Keep in mind, however, that your quoted rates may be considerably higher or lower than this average. Rates are calculated on an individual basis based on several factors including details about your vehicle and the drivers who will be operating it as well as the amount of coverage you wish to purchase.

Drivers who spend a lot of time on the road are more likely to have car accidents. Charlotte’s residents tend to have significantly shorter commutes than the average U.S. driver, and this helps to keep insurance rates on the low end. 

If you live in a city where crime is an ongoing problem, you are more likely to have your car stolen. That's why auto theft rates directly influence premiums on auto insurance. In Charlotte, the rate car theft is somewhat low. This helps to keep the cost of adding comprehensive coverage affordable. 

Clarkston, MI Car Insurance

Residents of Clarkson pay an average of $150 per month for their auto insurance. Of course, costs can vary greatly from one driver to the next because each rate is dependent on several different variables. Things such as the make and model of your vehicle, your driving record, and the size of your deductible can all play a role in how much or how little you will have to pay.

Long commutes mean more time spent on the roads. This increases your risk of being in a collision. For commuters in Clarkston, the average daily drive to and from work is slightly shorter than the national average. This helps to keep insurance rates affordable for most residents of this city. 

Those who live in cities with high crime rates often pay higher auto insurance premiums. Fortunately property crimes like auto theft are very low in Clarkson. This means that adding “other than collision” coverage to your auto policy will not be overly expensive.

Fenton, MICar Insurance

Residents of Fenton pay an average of $162 per month for their auto insurance. Your actual rates may be considerably higher or lower than this amount. That is because each rate is calculated according to the applicant’s personal details including such things as the number of drivers in the household, the amount of coverage purchased, and information about the vehicle being insured. 

Residents of Fenton spend a bit more time driving to and from work than the average American. More time spent commuting translates to a greater risk of being involved in a vehicular collision. If your drive to and from work is a long one, you may pay for your car insurance that someone who has a short commute. 

Property crimes like theft and vandalism are only covered if you have included comprehensive, or“other than collision,” coverage in your policy. Fortunately, because auto theft rates in Fenton are so low, adding this optional coverage is affordable.

Flushing, MI Car Insurance

The average monthly cost of car insurance in Flushing is $154. Of course rates are different for each individual driver. Your monthly cost will be determined by factors like your age, the kind of car you drive, and your driving record. 

Insurance rates are usually higher for drivers with long commutes. The more time you spend on the road, the more likely it is you will have an accident. Flushing drivers’ commute times are in line with national averages, so it should not have a large effect on insurance rates. 

In high crime areas, vehicle owners face an elevated risk for stolen cars and vandalism. Fortunately, the auto theft rate is quite low in Flushing, and that has a positive effect on your insurance rates so they stay affordable.

Holt, MI Car Insurance

Holt residents pay an average of $151 per month for their auto insurance coverage.You canexpect your actual monthly cost to be considerably higher or lower than this amount. This is because rates vary from one driver to the next based on a variety of factors such as driver age, gender, driving history and details about the vehicle — or vehicles — that are being insured.

The more time you spend driving on Michigan's busy roads, the more risk you face for being in a car accident. Holt drivers have shorter commutes than most Americans, and this helps keep rates oncar insurance low for most residents. 

Living in a dangerous city means you face a higher risk for car theft and vandalism. The auto theft rate in Holt is significantly lower than the national average, and this helps to keep the cost of adding comprehensive coverage to your car insurance affordable.

Mt. Pleasant, MI Car Insurance

The average monthly cost of car insurance in Mt. Pleasant is $148. Actual rates will vary depending on several different factors. Insurance companies assess risks and assign rates according to such things as information about the drivers who will be operating the insured vehicles; the year, make, and model of the vehicle being insured; and the amount of coverage being purchased.

If you spend a lot of time driving, you are more likely to be in an accident. That's why commute times can dramatically influence rates on car insurance. Mt. Pleasant drivers have much shorter commutes than most Americans, and this helps to lower insurance rates for most resident drivers.

One of the perks of living in Mt Pleasant is the low crime rate. Stolen cars are very rare here, which could help you score some savings when you add comprehensive coverage to your auto insurance policy.

Ortonville, MI Car Insurance

Residents of Ortonville pay an average of $158 per month for their car insurance coverage. Of course, rates can vary significantly from one policy to the next. That is because they are calculated individually based on a number of factors such as the driver’s age, gender, and driving history and the vehicle’s make, model and year. 

If you’re logging long hours in the car, you are more likely to have an accident. Ortonville drivers spend significantly more time traveling to and from work than most Americans, and this can lead to increased insurance rates for many drivers in this Michigan village. 

In locations where crime is rampant, drivers have to be extremely cautious about auto theft. Fortunately, stolen cars are very rare in Ortonville, which could help lower rates on adding comprehensive (or, “other than collision”) coverage to your car insurance.

Rogers City, MI Car Insurance

The average monthly cost of auto insurance in Rogers City is $152. Your actual monthly cost might be significantly higher or lower. Your calculated rate will be based on a variety of considerations such as the amount of coverage you are purchasing, the age, make, and model of the vehicle(s) you are insuring, and the driving history and education of the licensed drivers in your household. 

When you spend a lot of time on the busy roads, you are more likely to be in an accident. Rogers City drivers log much time commuting than the average U.S. driver, and this could result in lower insurance rates for many of this city’s drivers.

The more dangerous your city is, the more likely it is that your car could be stolen. Fortunately, auto theft is very rare in Rogers City, so you could see some savings on including comprehensive coverage as part of your auto insurance policy.