Car insurance in Michigan costs more than most states.

The average driver here pays $1,572/year — 9% above the national average, and higher than 39 of 50 other states.

$1,572

avg full coverage
per year

All 51 states by costYou're here ↓

$926 · Maine$1,994 · Florida

● Michigan is in the 76th percentile nationally

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$1,572 /yr

Michigan average · full coverage · clean record

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What affects your rate in Michigan

Michigan bans credit-based insurance scores in auto rating and historically had the highest premiums in the US due to its unlimited-PIP no-fault system (reformed in 2020).

How Michigan compares

Average full-coverage premium per year
Benchmark	Per year
Michigan	$1,572
National average	$1,438
Most expensive — Florida	$1,994
Cheapest — Maine	$926

Source: NAIC 2022/2023 Auto Insurance Database Report (combined average premium per insured vehicle, 2023 data, released February 2026).

About this estimate. The base figure is the NAIC combined average premium for Michigan (liability + collision + comprehensive, 2023). The calculator applies published industry multipliers (age, credit, record, coverage) from secondary sources (Bankrate / ValuePenguin modeled rates) and is an estimate for informational purposes only — not an insurance quote or offer. Credit-tier adjustments are not applied in states that ban credit-based insurance scoring (California, Hawaii, Massachusetts, Michigan).