Cheap Car Insurance in Michigan
Michigan drivers pay an average of $2,925/year for auto insurance — $1136 above the national average. Compare quotes and save.
How Michigan stacks up
At $2,925 per year for full coverage, Michigan drivers pay 63% more than the national average of $1,789. Most expensive state historically. 2019 reform allows you to pick PIP medical limit — pick wisely to save.
Premiums vary widely within Michigan based on ZIP code, vehicle, age, credit score (where allowed), and driving record. Urban ZIPs typically pay 20–40% more than rural ones in the same state.
Required minimum coverage in Michigan
Bodily injury liability
50/100 (in $thousands)
Property damage liability
$10,000
No-fault / PIP required
Yes
Minimums are the legal floor — most drivers should carry significantly more (100/300/100 is a common safe baseline) to protect personal assets from lawsuits.
5 ways to lower your Michigan car insurance
- Compare 3+ insurers — drivers who shop can save up to $487/year on average.
- Raise your deductible from $500 to $1,000 if you have an emergency fund.
- Bundle auto with home or renters insurance (10–25% discount).
- Ask about telematics / usage-based discounts (10–30% if you drive carefully).
- Most expensive state historically. 2019 reform allows you to pick PIP medical limit — pick wisely to save.
Michigan insurance FAQ
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