How does your city measure up to the national average?

National average burglary rate 3.76 per 1,000 people

National average home value $269,000

National average home insurance cost $1,211 year

CityAnnual insurance costAvg. home valueBurglaries (per 1k residents)
Adrian$739$76,8007.96
Alpena$568$88,0532.57
Ann Arbor$1,194$297,7002.22
Battle Creek$869$92,35811.1
Bay City$654$70,8999.4
Big Rapids$729$101,7502.3
Birmingham$1,375$514,4210.95
Bloomfield Hills$1,893$931,1142
Brighton$942$194,4973.99
Charlotte$736$110,0062.98
Clarkston$1,156$299,0441.98
Clinton Township$854$143,5003.99
Dearborn$1,145$136,4003.16
Detroit$1,183$147,10013.06
DeWitt$989$207,1440.85
East Lansing$1,008$191,3193.95
Escanaba$623$94,4993.18
Farmington Hills$1,128$243,5001.84
Fenton$867$126,3472.52
Flint$759$28,20012.72
Flushing$872$133,1962.23
Grand Rapids$828$134,5004.29
Grayling$653$78,9603.81
Grosse Pointe$1,284$353,6121.54
Hancock$779$125,4611.76
Hillsdale$831$94,1532.57
Holt$921$161,4022.84
Howell$863$161,2062.52
Jackson$657$66,2879.14
Kalamazoo$720$98,00010
Lansing$708$79,2007.82
Livonia$1,053$175,6003.14
Marquette$913$187,6761.85
Mount Clemens$868$95,4626.64
Mount Pleasant$874$133,9681.58
Muskegon$787$67,2197.8
New Baltimore$1,083$223,4470.89
Novi$1,231$311,6991
Okemos$922$222,7542.13
Ortonville$925$171,0830.88
Petoskey$925$195,0971.91
Plymouth$1,124$294,1051.32
Port Huron$742$84,7276.94
Portage$952$164,3293.11
Rogers City$703$78,8451.86
Saginaw$598$42,0887.66
Sault Ste Marie$621$94,9592.98
Southfield$1,061$147,0004.88
St. Clair Shores$842$119,7962.36
St. Joseph$948$183,8721.81
Sterling Heights$1,021$173,4001.36
Traverse$1,011$241,7222.82
Troy$1,131$286,8001.17
Waterford$1,099$184,8912.24
Westland$859$113,2003.68


Popular Questions about Michigan Home Insurance

In Michigan, the average annual cost of homeowners insurance is $942, which is quite a bit lower than the national figure of $1,211 per year. For your exact pricing on home coverage, you'll need to obtain quotes. 

Each homeowners insurance policy will have specific limits that are included automatically and tailored to your needs. Your Michigan home insurance policy will have the following coverages to protect against fire, theft, vandalism, and severe weather:

  • Dwelling value
  • Personal property
  • Other structures
  • Personal liability
  • Medical payments
  • Additional living expenses

In Michigan, there are commonly reported disasters that should be covered under your homeowners policy. Take a look at the top 5 risks for homeowners in Michigan:

  • Flooding and water damage
  • Severe storms and lightning damage
  • Tornadoes
  • Heavy snow
  • Burglary and other property crimes

Your Michigan home insurance rates are calculated using both personal information and outside data. Things like past claims reported, insurance scores, coverage selected, local crime, and natural disasters are all risk factors. To understand how these impact your home insurance costs, discuss with a licensed professional.

Yes, currently Michigan has 899 independent insurance agencies, giving you ample opportunity to find an adviser. They'll do the shopping through dozens of carriers so that you get the best coverage for an affordable rate. 

Each state works with a variety of carriers that cover local risk exposures for your personal protection. Michigan has Safeco, Nationwide, Progressive, and Westfield insurance companies that are top-rated. These markets are best known for their competitive pricing on coverage and broad selections on limits. 

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