Average Car Insurance Cost in Michigan
Full-coverage car insurance in Michigan averages about $3,100 a year ($258/mo). See how it compares to the national average.
Buying a $30,000 car in Michigan
*$3,000 down, 7% APR, 60 months, tax rolled into the loan.
Michigan's registration fee is based on the car's original list price.
These are estimates for planning. Rates and fees change and vary by county and vehicle — confirm with your state motor vehicle agency.
Frequently asked questions
How much is car insurance in Michigan?
Full coverage averages about $3,100 a year, or $258 a month. Minimum coverage costs much less, and your own rate depends on your age, record, ZIP code and car.
Is Michigan car insurance more expensive than average?
Yes — the national average across states is about $2,386 a year, so Michigan is above average.
How can I lower my car insurance?
Compare quotes every year, raise your deductible, bundle with home or renters insurance, and choose a car that's cheaper to insure. AutoCost AI estimates insurance for any car you analyze.