Michigan Car Insurance FAQ - Quick Answers

The annual average car insurance premium in Michigan is $2,476, coming in almost double the national average of $1,311 per year. When you're paying rates this high, it's critical to shop with a trained expert for the lowest costs on coverage.

The cost of car insurance in Michigan is the highest in the country. This is due to several factors listed below:

  • Your driving history
  • How dangerous the roads are for traveling
  • The coverages you select
  • The value of the vehicle you're driving
  • Local weather conditions
  • Past claims reported

In Michigan, the minimum limits of car insurance that are required for each driver are as follows:

  • $50,000 in bodily injury liability per person
  • $100,000 in bodily injury liability per accident
  • $10,000 in property damage liability
  • Personal injury protection based on your specifications

Even though car insurance is a requirement in Michigan, there are still people that don't have proper protection. In Michigan, 20.3% of all drivers on the road are completely without car insurance.

Michigan's reform law primarily affects personal injury protection coverage, providing 4 options when selecting limits. The first option is for $50,000 for drivers enrolled in Medicaid; (2) $250,000; (3) $500,000; and (4) unlimited or no limit. Discuss which option applies to you with a professional for your exact limits.

Yes, like most states, Michigan offers car insurance for your classic vehicles. You'll need to follow the state minimum limit requirements when driving on the road in one of these classics. 

Like most states, Michigan requires all drivers to have the minimum amount of insurance in case of accidents. Michigan is a no-fault state, which means each driver's insurance must cover their own damage following a collision, regardless of who's at fault. 

Do You Know What Your Michigan Car Insurance Covers?

Find the Best Car Insurance in Your City

How does your city measure up to the national average?

National average time spent commuting 26.9 Min

National average car thefts per 1,000 2.3 Year

National average car insurance cost $1,311 Year

CityCommute time (min)Auto thefts / 1,000Annual insurance cost
Adrian20.20.84$2,106
Ann Arbor201.12$1,895
Dearborn20.62.83$2,498
Detroit25.910.4$2,813
Flint22.62.49$2,782
Howell250.93$2,263
Kalamazoo184.28$2,488
Lansing19.63.09$2,314
Marquette11.10.24$1,805
Mount Pleasant14.30.63$1,778
Sterling Heights26.10.72$2,217
Traverse City17.30.44$1,814
Troy25.60.64$2,171