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How Much is Michigan Car Insurance?

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Jeffrey Johnson graduated summa cum laude from the University of Baltimore School of Law and has worked in legal offices and nonprofits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman University and worked in film, education, and publishing. His professional writing has appeared on sites like The Manifest and Vice, and he is the author of a novel ...

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UPDATED: Nov 19, 2019

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The vehicle you are trying to insure is probably the biggest factor when comparing Michigan car insurance. Vehicles with average performance, a great safety record, or a positive history of liability claims will cost substantially less to insure than higher performance models. The information below outlines insurance costs for a number of the most cost-effective automobiles to insure in Michigan.

Auto Insurance Rates for Popular Cars in Michigan
Make, Model, and Trim Level Annual Cost Semi-Annual Cost Monthly Cost
Chevrolet Malibu LS $2,070 $1,035 $173
Ford Focus SES 2-Dr Coupe $2,326 $1,163 $194
Honda Accord EX 4-Dr Sedan $1,744 $872 $145
Honda Civic LX 4-Dr Sedan $2,148 $1,074 $179
Hyundai Sonata SE 4-Dr Sedan $2,326 $1,163 $194
Nissan Altima 3.5 SR 4-Dr Sedan $2,246 $1,123 $187
Toyota Camry XLE $2,198 $1,099 $183
Toyota Corolla XRS $2,246 $1,123 $187
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Above prices assume married female driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and Michigan minimum liability limits. Discounts applied include multi-vehicle, multi-policy, homeowner, claim-free, and safe-driver. Table data does not factor in specific zip code location which can decrease or increase insurance rates noticeably.

Insurance Rates for Popular SUVs and Crossovers in Michigan
Make, Model, and Trim Level Annual Cost Semi-Annual Cost Monthly Cost
Buick Enclave XL 2WD $2,246 $1,123 $187
Chevrolet Suburban LT 4WD $2,118 $1,059 $177
Chevrolet Traverse LTZ 2WD $1,968 $984 $164
Ford Escape XLT 2WD $1,744 $872 $145
Ford Explorer XLT AWD $1,944 $972 $162
GMC Acadia SLE 2WD $1,944 $972 $162
Honda CR-V LX 2WD $1,744 $872 $145
Honda Pilot LX 2WD $1,944 $972 $162
Jeep Grand Cherokee Laredo 2WD $2,070 $1,035 $173
Jeep Patriot Sport 2WD $1,894 $947 $158
Nissan Pathfinder LE 2WD $2,118 $1,059 $177
Toyota Highlander 4WD $2,118 $1,059 $177
Toyota RAV4 Limited 4WD $2,070 $1,035 $173
Volvo XC90 3.2 AWD $2,420 $1,210 $202
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Table data represents married female driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and Michigan minimum liability limits. Discounts applied include homeowner, multi-policy, claim-free, multi-vehicle, and safe-driver. Rates do not factor in the specific area where the vehicle is garaged which can modify prices considerably.

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Insurance Rates for Popular Pickup Trucks in Michigan
Make, Model, and Trim Level Annual Cost Semi-Annual Cost Monthly Cost
Chevrolet Colorado LT 2WD $1,846 $923 $154
Chevrolet Silverado LS Regular Cab 2WD $2,022 $1,011 $169
Dodge Ram 2500 Crew Cab SLT 2WD $2,500 $1,250 $208
Dodge Ram Crew Cab TRX 4WD $2,422 $1,211 $202
Ford F-150 FX2 2WD $2,118 $1,059 $177
Ford F-250 XL Super Cab Cabela Turbo Diesel 4WD $2,666 $1,333 $222
Ford F-350 XL Super Cab 4WD $2,738 $1,369 $228
GMC Sierra 2500HD SLT Crew Cab 2WD $2,548 $1,274 $212
GMC Sierra Denali Crew Cab 2WD $2,420 $1,210 $202
Toyota Tundra Limited Crew MAX 4WD $2,422 $1,211 $202
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Prices above based on married female driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and Michigan minimum liability limits. Discounts applied include multi-policy, multi-vehicle, homeowner, safe-driver, and claim-free. Prices do not factor in vehicle garaging location which can increase or decrease price quotes significantly.

For drivers in Michigan, one of the big things that determine the amount you pay each year for auto insurance is your address. Regions with more people or even just more weather-related claims like Detroit, Dearborn, and Flint tend to have higher auto insurance costs, whereas more rural areas tend to receive slightly lower rates.

The information below ranks the most expensive cities in Michigan to purchase a policy in.

How much is auto insurance in Michigan?
Rank City Annual Premium
1 Detroit $5,009
2 Southfield $4,020
3 Dearborn $4,002
4 Pontiac $3,639
5 Flint $3,439
6 Warren $3,390
7 Dearborn Heights $3,305
8 Taylor $3,210
9 Sterling Heights $2,954
10 Westland $2,937
11 St. Clair Shores $2,709
12 Farmington Hills $2,676
13 Livonia $2,634
14 Saginaw $2,583
15 Royal Oak $2,562
16 Rochester Hills $2,542
17 Troy $2,536
18 Lansing $2,439
19 Novi $2,439
20 Battle Creek $2,426
21 Grand Rapids $2,275
22 Kalamazoo $2,192
23 Kentwood $2,183
24 Wyoming $2,151
25 Ann Arbor $2,086
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Annual rates are estimated as vehicle location can impact coverage prices substantially.

Discounts on Michigan car insurance

Insurance for drivers in MichiganAuto insurance companies that provide coverage in Michigan could also offer discounts that could lower prices by as much as 30% if you meet the requirements. Companies and their possible discounts can be read below.

  • Progressive offers discounts including homeowner, good student, multi-policy, online signing, continuous coverage, and online quote discount.
  • MetLife offers discounts for accident-free, defensive driver, claim-free, good student, and good driver.
  • Mercury Insurance may have discounts that include type of vehicle, location of vehicle, good driver, age of vehicle, annual mileage, and professional/association.
  • Nationwide may offer discounts for easy pay, Farm Bureau membership, multi-policy, defensive driving, accident-free, anti-theft, and family plan.
  • GEICO discounts include daytime running lights, anti-theft, multi-vehicle, driver training, and federal employee.
  • AAA offers premium reductions for multi-policy, good student, good driver, AAA membership discount, pay-in-full, and multi-car.

The chart below shows the difference between car insurance rates with and without policy discounts. The rates are based on a male driver, no accidents or driving violations, Michigan state minimum liability limits, full coverage, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second bar shows the rates with passive restraint, marriage, safe-driver, multiple vehicle, anti-theft, and multiple policy discounts applied. When these discounts are applied to the policy premium, the average yearly reduction on insurance in Michigan is 28% or $1,091.

Cost difference between full coverage and liability

Reducing the cost of insurance is important to most drivers, and one of the best ways to pay less for insurance in Michigan is to not buy comprehensive and collision coverage. The diagram below visualizes the comparison of insurance costs when comparing full coverage to liability only. The rates are based on no claims, a clean driving record, $500 deductibles, drivers are not married, and no additional discounts are factored in.

If averaged for all ages, physical damage coverage on your policy costs an additional $3,231 per year more than insuring for liability only. Many of you may wonder when is the right time to remove full coverage. There is no definitive guideline of when to eliminate physical damage coverage, but there is a general convention. If the annual cost of having full coverage is more than around 10% of the replacement cost of your vehicle minus the policy deductible, then it may be the right time to buy liability only.

There are some circumstances where only buying liability is not advised. If you have an outstanding loan on your vehicle, you have to keep full coverage as part of the loan conditions. Also, if you cannot afford to purchase a different vehicle if your current one is totaled, you should not consider dropping full coverage.

How accidents and tickets impact rates in Michigan

The best way to maintain good insurance premiums in Michigan for drivers in Michigan is to be a good driver and avoid tickets and accidents. The diagram below highlights how speeding tickets and at-fault collisions raise premium costs for different insured age categories. The rates are based on a single female driver, full physical damage coverage, $500 deductibles, and no discounts are applied to the premium.

In the prior example, the average cost of car insurance in Michigan per year with no violations or accidents is $3,077. Get written up for two speeding tickets and the average cost hikes up to $4,119, an increase of $1,042 each year. Then throw in two accidents along with the two speeding tickets and the yearly cost of insurance in Michigan jumps again to an average of $8,192. That’s an increase of $5,115, or $426 per month, just for being a little careless behind the wheel!

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