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Average cost of car insurance in Michigan in 2024
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Updated Nov 13, 2024
Michigan drivers pay an average annual cost of $890 for minimum coverage and $3,049 for full coverage.
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Powered by Coverage.com (NPN: 19966249)
Advertising disclosure
This advertisement is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions.
Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.
How much is car insurance in Michigan?
The average car insurance cost in Michigan is $890 for state-mandated minimum coverage, while full coverage car insurance rates average $3,049 a year. Bankrate based these averages on data sourced from Quadrant Information Services. Since the rate you pay for your policy is based on a range of factors that are unique to you, such as your age and driving record, as well as your car's age, make and model, your rate is likely to differ from the averages. Note that when determining how much car insurance costs in Michigan, insurers do not consider your credit score or gender, unlike other states.
Key takeaways
- Michigan drivers pay an average monthly rate of $74 for minimum coverage and $254 for full coverage insurance.
- On average, full coverage car insurance in Michigan costs 24 percent more than the national average, while minimum coverage costs 31 percent more.
- Vehicle type can play a significant role in Michigan rates, with drivers of a BMW 330i paying an average of 37 percent more for insurance per year than someone driving a Ford F-150.
- Drivers with an at-fault accident on their driving record pay about 47 percent more than the state average for full coverage car insurance.
- Michigan law prohibits auto insurance companies from utilizing ZIP codes, credit history, marital status and gender as part of rate determinations.
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Michigan car insurance rates by city
It's not enough to know how much car insurance is in Michigan—you may also want to know that your rate may vary depending on where in the state you live. For example, you may pay more for your insurance if you live in a large city with heavy traffic patterns—which can result in a higher number of accidents, on average. Areas where there is less traffic and fewer accidents may see decreased rates. Here are sample averages from some of Michigan's cities:
Sorry, we don't have enough data yet on this city yet!
But these other cities in the state may give you some insight.
| City | Avg. monthly full coverage premium | Avg. annual full coverage premium | Avg. savings vs. state average |
|---|---|---|---|
| Utica | $257 | $3,079 | +1% |
| Waterford | $242 | $2,906 | -5% |
| Oxford | $232 | $2,787 | -9% |
| Novi | $235 | $2,819 | -8% |
| Wixom | $233 | $2,795 | -9% |
| Applegate | $237 | $2,844 | -7% |
| Bad Axe | $232 | $2,781 | -9% |
| Dryden | $235 | $2,818 | -8% |
| Pleasant Ridge | $285 | $3,415 | +11% |
| Yale | $249 | $2,986 | -2% |
| Ann Arbor | $207 | $2,480 | -21% |
| Dearborn | $366 | $4,391 | +36% |
| Beaver Island | $206 | $2,473 | -21% |
| Kincheloe | $221 | $2,653 | -14% |
| Gwinn | $223 | $2,674 | -13% |
| Quinnesec | $221 | $2,654 | -14% |
| Ralph | $230 | $2,756 | -10% |
| Mackinaw City | $210 | $2,518 | -19% |
| Alpena | $210 | $2,522 | -19% |
| Barbeau | $221 | $2,658 | -14% |
| Brutus | $207 | $2,490 | -20% |
| Drummond Island | $228 | $2,740 | -11% |
| Gaylord | $209 | $2,514 | -19% |
| Grand Junction | $220 | $2,638 | -14% |
| Martin | $210 | $2,521 | -19% |
| Mendon | $217 | $2,602 | -16% |
| Otsego | $208 | $2,502 | -20% |
| Tekonsha | $214 | $2,568 | -17% |
| Vandalia | $215 | $2,580 | -17% |
| Berrien Springs | $201 | $2,413 | -23% |
| Eau Claire | $200 | $2,405 | -24% |
| Union | $209 | $2,512 | -19% |
| Jackson | $218 | $2,616 | -15% |
| Imlay City | $236 | $2,837 | -7% |
| Vernon | $216 | $2,597 | -16% |
| Flint | $289 | $3,463 | +13% |
| Saginaw | $217 | $2,603 | -16% |
| Freeland | $197 | $2,367 | -25% |
| Hope | $201 | $2,411 | -23% |
| Linwood | $200 | $2,402 | -24% |
| Midland | $192 | $2,306 | -28% |
| Livonia | $259 | $3,105 | +2% |
| Bloomfield Hills | $252 | $3,022 | -1% |
| Rochester | $238 | $2,855 | -7% |
| Sterling Heights | $275 | $3,295 | +8% |
| Williamsburg | $209 | $2,503 | -20% |
| Hubbard Lake | $216 | $2,591 | -16% |
| Memphis | $256 | $3,073 | +1% |
| New Baltimore | $264 | $3,170 | +4% |
| Royal Oak | $268 | $3,212 | +5% |
| Southfield | $347 | $4,159 | +31% |
| Saint Clair | $232 | $2,782 | -9% |
| Ray | $257 | $3,083 | +1% |
| Troy | $261 | $3,135 | +3% |
| Clinton Township | $284 | $3,406 | +11% |
| Fort Gratiot | $232 | $2,788 | -9% |
| Columbus | $245 | $2,936 | -4% |
| Smiths Creek | $225 | $2,704 | -12% |
| Mc Bain | $217 | $2,609 | -16% |
| Merritt | $228 | $2,734 | -11% |
| Rapid City | $216 | $2,593 | -16% |
| Sears | $238 | $2,856 | -7% |
| Wellston | $226 | $2,707 | -12% |
| Atlanta | $221 | $2,647 | -14% |
| Burt Lake | $213 | $2,552 | -18% |
| Cheboygan | $212 | $2,542 | -18% |
| Elmira | $211 | $2,529 | -19% |
| Marysville | $225 | $2,703 | -12% |
| New Haven | $266 | $3,197 | +5% |
| Richmond | $258 | $3,101 | +2% |
| Huntington Woods | $279 | $3,352 | +9% |
| Warren | $326 | $3,914 | +25% |
| Belleville | $279 | $3,351 | +9% |
| Chelsea | $210 | $2,518 | -19% |
| Gregory | $209 | $2,504 | -20% |
| Grosse Ile | $256 | $3,070 | +1% |
| Lake Ann | $212 | $2,543 | -18% |
| Onekama | $217 | $2,604 | -16% |
| Traverse City | $203 | $2,436 | -22% |
| Harbor Springs | $210 | $2,519 | -19% |
| Hulbert | $217 | $2,601 | -16% |
| Lincoln Park | $293 | $3,514 | +14% |
| Taylor | $303 | $3,633 | +17% |
| Westland | $284 | $3,412 | +11% |
| Ypsilanti | $234 | $2,804 | -8% |
| Detroit | $449 | $5,385 | +55% |
| Crystal Falls | $225 | $2,697 | -12% |
| Dodgeville | $213 | $2,556 | -18% |
| Lanse | $228 | $2,741 | -11% |
| Fair Haven | $228 | $2,736 | -11% |
| Wells | $226 | $2,715 | -12% |
| Birmingham | $258 | $3,095 | +1% |
| Bruce Crossing | $232 | $2,783 | -9% |
| Copper City | $215 | $2,576 | -17% |
| Sidnaw | $216 | $2,593 | -16% |
| West Bloomfield | $263 | $3,154 | +3% |
| Pontiac | $289 | $3,469 | +13% |
| Clarkston | $229 | $2,754 | -10% |
| Milford | $218 | $2,613 | -15% |
| Burt | $215 | $2,577 | -17% |
| Grand Blanc | $239 | $2,874 | -6% |
| Indian River | $218 | $2,619 | -15% |
| Johannesburg | $209 | $2,509 | -19% |
| Boon | $217 | $2,607 | -16% |
| Central Lake | $211 | $2,536 | -18% |
| Fife Lake | $220 | $2,641 | -14% |
| Frederic | $211 | $2,527 | -19% |
| Hessel | $212 | $2,545 | -18% |
| Farmington | $250 | $3,006 | -1% |
| Hartland | $213 | $2,561 | -17% |
| Highland | $228 | $2,734 | -11% |
| Union Lake | $237 | $2,843 | -7% |
| Ossineke | $212 | $2,546 | -18% |
| Camden | $229 | $2,753 | -10% |
| Clinton | $204 | $2,444 | -22% |
| Concord | $221 | $2,657 | -14% |
| Leslie | $223 | $2,673 | -13% |
| Michigan Center | $208 | $2,494 | -20% |
| North Adams | $227 | $2,725 | -11% |
| Ottawa Lake | $211 | $2,536 | -18% |
| Bailey | $223 | $2,672 | -13% |
| Comstock Park | $208 | $2,498 | -20% |
| Gowen | $233 | $2,799 | -9% |
| Stanwood | $240 | $2,875 | -6% |
| Deerfield | $208 | $2,501 | -20% |
| Hanover | $235 | $2,821 | -8% |
| Horton | $219 | $2,634 | -15% |
| Litchfield | $228 | $2,740 | -11% |
| Montgomery | $223 | $2,678 | -13% |
| Pittsford | $226 | $2,717 | -12% |
| Springport | $236 | $2,828 | -8% |
| Weston | $208 | $2,492 | -20% |
| Bradley | $214 | $2,563 | -17% |
| Freeport | $220 | $2,645 | -14% |
| Morley | $236 | $2,835 | -7% |
| Newaygo | $231 | $2,776 | -9% |
| Paris | $228 | $2,740 | -11% |
| Rockford | $213 | $2,555 | -18% |
| Deford | $240 | $2,879 | -6% |
| South Branch | $224 | $2,691 | -12% |
| Whittemore | $228 | $2,732 | -11% |
| Okemos | $192 | $2,306 | -28% |
| Ashley | $214 | $2,570 | -17% |
| Cedar Lake | $238 | $2,853 | -7% |
| Elm Hall | $220 | $2,641 | -14% |
| Fowlerville | $222 | $2,662 | -14% |
| Hudsonville | $188 | $2,253 | -30% |
| Walhalla | $227 | $2,727 | -11% |
| West Olive | $198 | $2,379 | -25% |
| Grand Rapids | $209 | $2,505 | -20% |
| Emmett | $259 | $3,103 | +2% |
| Wallace | $226 | $2,714 | -12% |
| Copper Harbor | $216 | $2,587 | -16% |
| Eastpointe | $333 | $3,998 | +27% |
| Franklin | $270 | $3,243 | +6% |
| Houghton | $210 | $2,516 | -19% |
| South Range | $212 | $2,542 | -18% |
| Portage | $189 | $2,272 | -29% |
| Cloverdale | $218 | $2,612 | -15% |
| Decatur | $221 | $2,654 | -14% |
| Lawton | $219 | $2,633 | -15% |
| Vicksburg | $200 | $2,401 | -24% |
| Niles | $201 | $2,416 | -23% |
| Allenton | $241 | $2,888 | -5% |
| Center Line | $342 | $4,103 | +29% |
| Amasa | $230 | $2,760 | -10% |
| Atlantic Mine | $213 | $2,554 | -18% |
| Baraga | $223 | $2,682 | -13% |
| Painesdale | $244 | $2,933 | -4% |
| Watersmeet | $240 | $2,879 | -6% |
| Lakeville | $251 | $3,009 | -1% |
| Birch Run | $214 | $2,571 | -17% |
| Forestville | $240 | $2,881 | -6% |
| Conklin | $217 | $2,609 | -16% |
| Fennville | $205 | $2,457 | -22% |
| Holland | $193 | $2,321 | -27% |
| New Era | $215 | $2,576 | -17% |
| Nunica | $205 | $2,455 | -22% |
| Pentwater | $221 | $2,648 | -14% |
| Alba | $213 | $2,559 | -17% |
| Arcadia | $223 | $2,673 | -13% |
| Benzonia | $219 | $2,624 | -15% |
| Pinckney | $210 | $2,518 | -19% |
| Wayne | $293 | $3,513 | +14% |
| Canton | $253 | $3,041 | -0% |
| Grosse Pointe | $355 | $4,262 | +33% |
| Carleton | $223 | $2,674 | -13% |
| Melvindale | $341 | $4,095 | +29% |
| Berkley | $266 | $3,195 | +5% |
| Saint Clair Shores | $276 | $3,312 | +8% |
| Algonac | $237 | $2,839 | -7% |
| Armada | $262 | $3,143 | +3% |
| Avoca | $236 | $2,832 | -7% |
| Ahmeek | $219 | $2,624 | -15% |
| Bergland | $242 | $2,904 | -5% |
| Ewen | $242 | $2,899 | -5% |
| Toivola | $248 | $2,976 | -2% |
| Casco | $250 | $3,003 | -2% |
| Dearborn Heights | $322 | $3,860 | +23% |
| Ironwood | $215 | $2,583 | -17% |
| Kearsarge | $214 | $2,572 | -17% |
| Trout Creek | $225 | $2,697 | -12% |
| Keego Harbor | $259 | $3,108 | +2% |
| Auburn Hills | $235 | $2,822 | -8% |
| Davisburg | $233 | $2,792 | -9% |
| White Lake | $242 | $2,907 | -5% |
| Walled Lake | $234 | $2,806 | -8% |
| West Branch | $224 | $2,690 | -13% |
| Bay City | $200 | $2,396 | -24% |
| Allen Park | $290 | $3,478 | +13% |
| Brighton | $213 | $2,557 | -18% |
| Ida | $215 | $2,574 | -17% |
| Brown City | $240 | $2,880 | -6% |
| Carsonville | $239 | $2,865 | -6% |
| East Leroy | $208 | $2,501 | -20% |
| Hartford | $214 | $2,569 | -17% |
| Mattawan | $214 | $2,570 | -17% |
| Saint Joseph | $188 | $2,254 | -30% |
| White Pigeon | $216 | $2,598 | -16% |
| Goodrich | $236 | $2,836 | -7% |
| Port Huron | $232 | $2,783 | -9% |
| Lambertville | $218 | $2,613 | -15% |
| Carson City | $238 | $2,852 | -7% |
| Bay Port | $230 | $2,759 | -10% |
| Greenbush | $223 | $2,679 | -13% |
| Mikado | $225 | $2,701 | -12% |
| Unionville | $231 | $2,773 | -9% |
| Alma | $210 | $2,515 | -19% |
| Elsie | $216 | $2,588 | -16% |
| Brethren | $224 | $2,692 | -12% |
| Chase | $233 | $2,791 | -9% |
| Copemish | $225 | $2,705 | -12% |
| Interlochen | $212 | $2,545 | -18% |
| Kalkaska | $213 | $2,559 | -18% |
| Tustin | $225 | $2,705 | -12% |
| Afton | $215 | $2,584 | -17% |
| Cross Village | $206 | $2,471 | -21% |
| Metamora | $233 | $2,800 | -9% |
| Otisville | $238 | $2,854 | -7% |
| Snover | $238 | $2,860 | -6% |
| Burton | $249 | $2,989 | -2% |
| Willis | $214 | $2,569 | -17% |
| Wyandotte | $266 | $3,196 | +5% |
| Highland Park | $450 | $5,403 | +56% |
| Hamtramck | $469 | $5,629 | +59% |
| Redford | $358 | $4,293 | +34% |
| Manchester | $211 | $2,534 | -18% |
| South Rockwood | $222 | $2,661 | -14% |
| River Rouge | $355 | $4,257 | +33% |
| Ecorse | $335 | $4,017 | +27% |
| Jeddo | $230 | $2,757 | -10% |
| Mount Clemens | $289 | $3,463 | +13% |
| Garden City | $288 | $3,453 | +12% |
| Luna Pier | $220 | $2,635 | -15% |
| Maybee | $221 | $2,651 | -14% |
| Milan | $205 | $2,463 | -21% |
| Romulus | $297 | $3,563 | +16% |
| Whittaker | $210 | $2,525 | -19% |
| Monroe | $223 | $2,678 | -13% |
| Buckley | $218 | $2,613 | -15% |
| Kaleva | $226 | $2,714 | -12% |
| Maple City | $206 | $2,469 | -21% |
| South Boardman | $221 | $2,650 | -14% |
| Carp Lake | $204 | $2,454 | -22% |
| Goetzville | $224 | $2,692 | -12% |
| Good Hart | $210 | $2,517 | -19% |
| Grayling | $212 | $2,544 | -18% |
| Hawks | $227 | $2,718 | -11% |
| Lapeer | $226 | $2,709 | -12% |
| Marlette | $237 | $2,841 | -7% |
| Minden City | $241 | $2,892 | -5% |
| Sandusky | $233 | $2,797 | -9% |
| Ubly | $240 | $2,874 | -6% |
| Merrill | $219 | $2,628 | -15% |
| Saint Charles | $221 | $2,646 | -14% |
| Lake City | $221 | $2,656 | -14% |
| Luther | $240 | $2,885 | -6% |
| Mancelona | $214 | $2,571 | -17% |
| Mesick | $224 | $2,694 | -12% |
| Brimley | $216 | $2,594 | -16% |
| Hillman | $224 | $2,688 | -13% |
| Kingsley | $215 | $2,578 | -17% |
| Lake Leelanau | $204 | $2,447 | -22% |
| Northport | $203 | $2,440 | -22% |
| Omena | $205 | $2,458 | -21% |
| Reed City | $233 | $2,792 | -9% |
| Millersburg | $228 | $2,735 | -11% |
| Onaway | $224 | $2,691 | -12% |
| Walloon Lake | $210 | $2,518 | -19% |
| Carney | $241 | $2,896 | -5% |
| Felch | $231 | $2,768 | -10% |
| Menominee | $218 | $2,616 | -15% |
| Marine City | $238 | $2,862 | -6% |
| North Street | $220 | $2,638 | -14% |
| Ruth | $246 | $2,949 | -3% |
| Breckenridge | $213 | $2,554 | -18% |
| Farwell | $234 | $2,806 | -8% |
| Hemlock | $213 | $2,552 | -18% |
| Fraser | $292 | $3,504 | +14% |
| Vulcan | $231 | $2,774 | -9% |
| Covington | $224 | $2,686 | -13% |
| Sanford | $202 | $2,430 | -23% |
| Curran | $225 | $2,703 | -12% |
| Harrisville | $226 | $2,712 | -12% |
| Long Lake | $225 | $2,702 | -12% |
| Omer | $222 | $2,665 | -13% |
| Tawas City | $218 | $2,615 | -15% |
| Frankenmuth | $212 | $2,547 | -18% |
| Dimondale | $200 | $2,402 | -24% |
| East Lansing | $206 | $2,475 | -21% |
| Grand Ledge | $203 | $2,442 | -22% |
| Hancock | $211 | $2,533 | -19% |
| Nisula | $219 | $2,626 | -15% |
| Fostoria | $253 | $3,031 | -1% |
| Capac | $258 | $3,102 | +2% |
| Trenary | $235 | $2,825 | -8% |
| Caspian | $230 | $2,764 | -10% |
| Hubbell | $236 | $2,835 | -7% |
| Iron River | $223 | $2,671 | -13% |
| Mohawk | $221 | $2,653 | -14% |
| Pelkie | $219 | $2,624 | -15% |
| Ramsay | $219 | $2,632 | -15% |
| Wakefield | $218 | $2,612 | -15% |
| Watton | $232 | $2,787 | -9% |
| Leonard | $249 | $2,989 | -2% |
| Attica | $233 | $2,793 | -9% |
| Gladwin | $224 | $2,693 | -12% |
| Oakley | $220 | $2,638 | -14% |
| Wilson | $239 | $2,870 | -6% |
| Alpha | $227 | $2,723 | -11% |
| Calumet | $214 | $2,565 | -17% |
| Dollar Bay | $210 | $2,520 | -19% |
| Twining | $227 | $2,725 | -11% |
| Belding | $229 | $2,749 | -10% |
| Charlotte | $211 | $2,536 | -18% |
| Crystal | $241 | $2,892 | -5% |
| Clarklake | $218 | $2,611 | -15% |
| Hudson | $217 | $2,607 | -16% |
| Morenci | $206 | $2,477 | -21% |
| Onsted | $206 | $2,477 | -21% |
| Parma | $223 | $2,677 | -13% |
| Tecumseh | $212 | $2,543 | -18% |
| Tipton | $205 | $2,456 | -22% |
| Byron Center | $200 | $2,404 | -24% |
| Cedar Springs | $220 | $2,639 | -14% |
| Dorr | $207 | $2,488 | -20% |
| Trufant | $239 | $2,871 | -6% |
| Wheeler | $213 | $2,561 | -17% |
| Pigeon | $229 | $2,754 | -10% |
| Prescott | $227 | $2,718 | -11% |
| Reese | $218 | $2,618 | -15% |
| Richville | $229 | $2,745 | -10% |
| Mount Pleasant | $206 | $2,478 | -21% |
| Dewitt | $195 | $2,342 | -26% |
| Edmore | $239 | $2,863 | -6% |
| Stockbridge | $221 | $2,656 | -14% |
| Blanchard | $229 | $2,745 | -10% |
| Otter Lake | $237 | $2,841 | -7% |
| Lupton | $226 | $2,714 | -12% |
| Pinconning | $205 | $2,460 | -21% |
| Holt | $200 | $2,404 | -24% |
| Howell | $212 | $2,549 | -18% |
| Westphalia | $201 | $2,413 | -23% |
| Lansing | $223 | $2,678 | -13% |
| Mount Morris | $271 | $3,255 | +7% |
| Peck | $237 | $2,841 | -7% |
| Port Austin | $239 | $2,862 | -6% |
| Port Sanilac | $236 | $2,832 | -7% |
| Chesaning | $218 | $2,612 | -15% |
| Sidney | $239 | $2,862 | -6% |
| Allegan | $213 | $2,555 | -18% |
| Battle Creek | $217 | $2,599 | -16% |
| Bedford | $219 | $2,630 | -15% |
| Plymouth | $236 | $2,830 | -7% |
| Riverview | $254 | $3,051 | +0% |
| Oak Park | $346 | $4,157 | +31% |
| Perrinton | $219 | $2,633 | -15% |
| Woodland | $219 | $2,634 | -15% |
| Benton Harbor | $214 | $2,569 | -17% |
| Bloomingdale | $213 | $2,555 | -18% |
| Hastings | $229 | $2,744 | -11% |
| Nashville | $253 | $3,036 | -0% |
| Ionia | $237 | $2,847 | -7% |
| Owosso | $213 | $2,558 | -18% |
| Palo | $225 | $2,702 | -12% |
| Perry | $225 | $2,694 | -12% |
| Saint Louis | $228 | $2,733 | -11% |
| Shaftsburg | $218 | $2,617 | -15% |
| Sunfield | $219 | $2,623 | -15% |
| Kalamazoo | $205 | $2,464 | -21% |
| Colon | $220 | $2,636 | -15% |
| Marcellus | $210 | $2,525 | -19% |
| Olivet | $214 | $2,562 | -17% |
| Sturgis | $215 | $2,578 | -17% |
| Vermontville | $223 | $2,679 | -13% |
| Buchanan | $201 | $2,411 | -23% |
| Lakeside | $201 | $2,407 | -24% |
| Stevensville | $191 | $2,287 | -29% |
| Hubbardston | $228 | $2,735 | -11% |
| Smyrna | $225 | $2,701 | -12% |
| Vestaburg | $241 | $2,897 | -5% |
| Williamston | $200 | $2,395 | -24% |
| Winn | $221 | $2,648 | -14% |
| Albion | $226 | $2,712 | -12% |
| Jonesville | $229 | $2,743 | -11% |
| Petersburg | $214 | $2,564 | -17% |
| Bitely | $242 | $2,904 | -5% |
| Chippewa Lake | $228 | $2,734 | -11% |
| Howard City | $237 | $2,846 | -7% |
| Allouez | $219 | $2,631 | -15% |
| Gould City | $220 | $2,642 | -14% |
| Ishpeming | $206 | $2,478 | -21% |
| Perkins | $241 | $2,887 | -5% |
| Rock | $236 | $2,832 | -7% |
| Wayland | $213 | $2,557 | -18% |
| Melvin | $241 | $2,895 | -5% |
| Brant | $228 | $2,738 | -11% |
| Coleman | $208 | $2,493 | -20% |
| Houghton Lake Heights | $219 | $2,624 | -15% |
| Luzerne | $220 | $2,641 | -14% |
| Mio | $219 | $2,630 | -15% |
| Fairview | $215 | $2,585 | -16% |
| Harrison | $234 | $2,808 | -8% |
| Kawkawlin | $193 | $2,319 | -27% |
| Lake | $239 | $2,872 | -6% |
| Saint Helen | $226 | $2,713 | -12% |
| Skandia | $217 | $2,604 | -16% |
| Washington | $255 | $3,065 | +1% |
| Azalia | $216 | $2,596 | -16% |
| Palmyra | $202 | $2,426 | -23% |
| Branch | $236 | $2,834 | -7% |
| Coopersville | $203 | $2,436 | -22% |
| Muskegon | $222 | $2,658 | -14% |
| Beulah | $215 | $2,586 | -16% |
| Lachine | $221 | $2,652 | -14% |
| Mullett Lake | $218 | $2,615 | -15% |
| Saint Ignace | $207 | $2,484 | -20% |
| Champion | $217 | $2,604 | -16% |
| Marquette | $201 | $2,413 | -23% |
| Spalding | $232 | $2,790 | -9% |
| Stephenson | $246 | $2,951 | -3% |
| Saline | $193 | $2,316 | -27% |
| Samaria | $216 | $2,593 | -16% |
| Galesburg | $199 | $2,384 | -24% |
| New Troy | $194 | $2,333 | -27% |
| Addison | $221 | $2,653 | -14% |
| Carrollton | $209 | $2,507 | -20% |
| East Tawas | $215 | $2,578 | -17% |
| Fairgrove | $223 | $2,681 | -13% |
| Millington | $231 | $2,766 | -10% |
| National City | $225 | $2,702 | -12% |
| Bannister | $217 | $2,600 | -16% |
| Fountain | $245 | $2,939 | -4% |
| Grand Haven | $190 | $2,280 | -29% |
| Holton | $210 | $2,524 | -19% |
| Lamont | $209 | $2,503 | -20% |
| Ludington | $215 | $2,581 | -17% |
| Ravenna | $217 | $2,604 | -16% |
| Alden | $214 | $2,565 | -17% |
| Montague | $204 | $2,454 | -22% |
| Twin Lake | $208 | $2,498 | -20% |
| Grandville | $197 | $2,363 | -25% |
| Ceresco | $213 | $2,562 | -17% |
| Climax | $205 | $2,465 | -21% |
| Covert | $212 | $2,548 | -18% |
| Gobles | $219 | $2,630 | -15% |
| Lacota | $220 | $2,639 | -14% |
| Lawrence | $219 | $2,625 | -15% |
| Leonidas | $218 | $2,610 | -16% |
| Sherwood | $221 | $2,655 | -14% |
| Three Rivers | $214 | $2,573 | -17% |
| Sawyer | $195 | $2,340 | -26% |
| Lake Orion | $229 | $2,753 | -10% |
| Oakland | $229 | $2,749 | -10% |
| Davison | $221 | $2,654 | -14% |
| Deckerville | $237 | $2,848 | -7% |
| Flushing | $225 | $2,699 | -12% |
| Fulton | $209 | $2,512 | -19% |
| Kendall | $219 | $2,631 | -15% |
| Marshall | $213 | $2,557 | -18% |
| Berrien Center | $201 | $2,409 | -23% |
| Edwardsburg | $212 | $2,544 | -18% |
| Harbert | $196 | $2,357 | -26% |
| Kinde | $240 | $2,876 | -6% |
| New Lothrop | $214 | $2,573 | -17% |
| Swartz Creek | $226 | $2,707 | -12% |
| Comins | $220 | $2,640 | -14% |
| Prudenville | $216 | $2,596 | -16% |
| Rose City | $227 | $2,722 | -11% |
| Mackinac Island | $204 | $2,442 | -22% |
| Naubinway | $215 | $2,583 | -17% |
| Sault Sainte Marie | $209 | $2,510 | -19% |
| Channing | $223 | $2,670 | -13% |
| Arnold | $227 | $2,727 | -11% |
| Rumely | $229 | $2,750 | -10% |
| Negaunee | $204 | $2,448 | -22% |
| Perronville | $249 | $2,984 | -2% |
| Rapid River | $234 | $2,804 | -8% |
| Breedsville | $216 | $2,590 | -16% |
| Burlington | $219 | $2,622 | -15% |
| Cassopolis | $212 | $2,547 | -18% |
| Coloma | $200 | $2,402 | -24% |
| Dowling | $231 | $2,778 | -9% |
| Schoolcraft | $199 | $2,388 | -24% |
| Three Oaks | $203 | $2,430 | -23% |
| Kinross | $236 | $2,833 | -7% |
| Bellevue | $228 | $2,739 | -11% |
| Sterling | $225 | $2,704 | -12% |
| Akron | $226 | $2,708 | -12% |
| Au Gres | $220 | $2,645 | -14% |
| Clifford | $239 | $2,868 | -6% |
| Gagetown | $233 | $2,790 | -9% |
| Kingston | $242 | $2,909 | -5% |
| Spruce | $218 | $2,619 | -15% |
| Vassar | $227 | $2,719 | -11% |
| Corunna | $211 | $2,538 | -18% |
| Eaton Rapids | $218 | $2,614 | -15% |
| Fowler | $203 | $2,436 | -22% |
| Pickford | $222 | $2,662 | -14% |
| Pointe Aux Pins | $208 | $2,493 | -20% |
| Presque Isle | $215 | $2,578 | -17% |
| Rogers City | $216 | $2,589 | -16% |
| Eckerman | $221 | $2,652 | -14% |
| Au Train | $223 | $2,674 | -13% |
| Garden | $232 | $2,788 | -9% |
| Grand Marais | $225 | $2,699 | -12% |
| Gulliver | $220 | $2,637 | -14% |
| Ingalls | $240 | $2,877 | -6% |
| Newberry | $214 | $2,568 | -17% |
| Sagola | $228 | $2,739 | -11% |
| Clawson | $262 | $3,149 | +3% |
| Wetmore | $231 | $2,777 | -9% |
| Bessemer | $215 | $2,584 | -17% |
| Gaastra | $228 | $2,739 | -11% |
| Mass City | $231 | $2,770 | -10% |
| New Hudson | $224 | $2,692 | -12% |
| Northville | $228 | $2,742 | -11% |
| Salem | $219 | $2,622 | -15% |
| South Lyon | $220 | $2,645 | -14% |
| Trenton | $266 | $3,196 | +5% |
| Iron Mountain | $216 | $2,590 | -16% |
| Engadine | $219 | $2,626 | -15% |
| Foster City | $229 | $2,752 | -10% |
| Gladstone | $224 | $2,685 | -13% |
| Powers | $242 | $2,902 | -5% |
| Seney | $220 | $2,644 | -14% |
| Moran | $210 | $2,519 | -19% |
| Topinabee | $213 | $2,553 | -18% |
| Lexington | $231 | $2,777 | -9% |
| Clare | $231 | $2,772 | -10% |
| Roscommon | $213 | $2,559 | -17% |
| Drayton Plains | $232 | $2,779 | -9% |
| Linden | $228 | $2,731 | -11% |
| Montrose | $222 | $2,669 | -13% |
| Ortonville | $243 | $2,916 | -4% |
| Port Hope | $241 | $2,892 | -5% |
| Alger | $229 | $2,746 | -10% |
| East China | $238 | $2,853 | -7% |
| Romeo | $260 | $3,119 | +2% |
| Dexter | $201 | $2,410 | -23% |
| Dundee | $209 | $2,509 | -19% |
| Inkster | $338 | $4,052 | +28% |
| Lakeland | $213 | $2,559 | -17% |
| Levering | $203 | $2,438 | -22% |
| Oden | $207 | $2,480 | -21% |
| Pellston | $207 | $2,488 | -20% |
| Trout Lake | $216 | $2,590 | -16% |
| Vanderbilt | $209 | $2,512 | -19% |
| Waters | $208 | $2,495 | -20% |
| Cornell | $231 | $2,775 | -9% |
| Escanaba | $223 | $2,673 | -13% |
| Norway | $224 | $2,683 | -13% |
| Bark River | $238 | $2,855 | -7% |
| Daggett | $246 | $2,953 | -3% |
| Loretto | $225 | $2,701 | -12% |
| Manistique | $226 | $2,707 | -12% |
| National Mine | $222 | $2,666 | -13% |
| Palmer | $204 | $2,452 | -22% |
| Republic | $216 | $2,587 | -16% |
| Byron | $228 | $2,742 | -11% |
| Clio | $223 | $2,676 | -13% |
| Decker | $242 | $2,907 | -5% |
| Fenton | $216 | $2,597 | -16% |
| Bronson | $221 | $2,657 | -14% |
| Coldwater | $220 | $2,646 | -14% |
| Constantine | $218 | $2,614 | -15% |
| Delton | $226 | $2,706 | -12% |
| Dowagiac | $208 | $2,494 | -20% |
| Hickory Corners | $218 | $2,611 | -15% |
| Jones | $214 | $2,574 | -17% |
| Nazareth | $208 | $2,493 | -20% |
| Quincy | $224 | $2,693 | -12% |
| Bridgman | $194 | $2,332 | -27% |
| Union Pier | $216 | $2,593 | -16% |
| Caro | $231 | $2,775 | -9% |
| Elkton | $228 | $2,741 | -11% |
| Essexville | $201 | $2,415 | -23% |
| Glennie | $226 | $2,716 | -12% |
| Bath | $195 | $2,343 | -26% |
| Eagle | $195 | $2,344 | -26% |
| La Salle | $223 | $2,677 | -13% |
| Newport | $218 | $2,621 | -15% |
| Rockwood | $255 | $3,064 | +0% |
| Temperance | $214 | $2,570 | -17% |
| Southgate | $275 | $3,306 | +8% |
| Ferndale | $307 | $3,680 | +19% |
| Hazel Park | $343 | $4,113 | +30% |
| Macomb | $272 | $3,267 | +7% |
| Roseville | $301 | $3,607 | +17% |
| Erie | $230 | $2,759 | -10% |
| Flat Rock | $265 | $3,181 | +4% |
| Bellaire | $212 | $2,539 | -18% |
| Eastlake | $223 | $2,673 | -13% |
| Elberta | $217 | $2,603 | -16% |
| Grawn | $216 | $2,595 | -16% |
| Idlewild | $237 | $2,845 | -7% |
| Kewadin | $205 | $2,458 | -21% |
| Manton | $222 | $2,664 | -13% |
| Thompsonville | $221 | $2,648 | -14% |
| Boyne City | $209 | $2,503 | -20% |
| East Jordan | $215 | $2,583 | -17% |
| Harsens Island | $222 | $2,669 | -13% |
| Harrison Township | $314 | $3,765 | +21% |
| Madison Heights | $283 | $3,398 | +11% |
| Elk Rapids | $206 | $2,477 | -21% |
| Evart | $235 | $2,819 | -8% |
| Filer City | $220 | $2,639 | -14% |
| Honor | $220 | $2,641 | -14% |
| Manistee | $220 | $2,635 | -15% |
| Alanson | $207 | $2,480 | -21% |
| De Tour Village | $228 | $2,742 | -11% |
| Ellsworth | $208 | $2,501 | -20% |
| Whitmore Lake | $205 | $2,462 | -21% |
| Black River | $224 | $2,684 | -13% |
| Cass City | $235 | $2,823 | -8% |
| Lincoln | $225 | $2,706 | -12% |
| Dansville | $207 | $2,479 | -21% |
| Deerton | $222 | $2,669 | -13% |
| Eben Junction | $228 | $2,737 | -11% |
| Little Lake | $223 | $2,677 | -13% |
| Hermansville | $250 | $2,997 | -2% |
| New Boston | $273 | $3,273 | +7% |
| Harper Woods | $375 | $4,506 | +39% |
| Palms | $243 | $2,920 | -4% |
| Higgins Lake | $215 | $2,585 | -16% |
| Rhodes | $230 | $2,757 | -10% |
| Eastport | $208 | $2,493 | -20% |
| Empire | $213 | $2,561 | -17% |
| Glen Arbor | $209 | $2,511 | -19% |
| Harrietta | $225 | $2,696 | -12% |
| Irons | $236 | $2,831 | -7% |
| Leroy | $228 | $2,733 | -11% |
| Cedar | $204 | $2,443 | -22% |
| Falmouth | $225 | $2,704 | -12% |
| Frankfort | $216 | $2,593 | -16% |
| Hersey | $228 | $2,731 | -11% |
| Leland | $203 | $2,432 | -23% |
| Old Mission | $209 | $2,503 | -20% |
| Boyne Falls | $210 | $2,516 | -19% |
| Cedarville | $218 | $2,614 | -15% |
| Charlevoix | $205 | $2,462 | -21% |
| Dafter | $216 | $2,595 | -16% |
| Britton | $210 | $2,521 | -19% |
| Jerome | $235 | $2,816 | -8% |
| Riga | $204 | $2,445 | -22% |
| Brohman | $236 | $2,830 | -7% |
| Cannonsburg | $209 | $2,506 | -20% |
| Coral | $242 | $2,902 | -5% |
| Rodney | $235 | $2,821 | -8% |
| Shelbyville | $226 | $2,713 | -12% |
| Commerce Township | $237 | $2,849 | -7% |
| Genesee | $251 | $3,018 | -1% |
| Caseville | $227 | $2,726 | -11% |
| Oscoda | $219 | $2,623 | -15% |
| Bancroft | $219 | $2,632 | -15% |
| Columbiaville | $231 | $2,772 | -10% |
| Gaines | $230 | $2,755 | -10% |
| Holly | $238 | $2,854 | -7% |
| Augusta | $207 | $2,480 | -21% |
| Burr Oak | $222 | $2,663 | -14% |
| Hagar Shores | $203 | $2,441 | -22% |
| Paw Paw | $212 | $2,546 | -18% |
| Scotts | $202 | $2,425 | -23% |
| Watervliet | $211 | $2,528 | -19% |
| Galien | $203 | $2,437 | -22% |
| New Buffalo | $200 | $2,404 | -24% |
| Henderson | $214 | $2,569 | -17% |
| Mason | $199 | $2,390 | -24% |
| Middleton | $220 | $2,637 | -14% |
| Muir | $225 | $2,703 | -12% |
| Portland | $213 | $2,560 | -17% |
| Athens | $218 | $2,619 | -15% |
| Petoskey | $204 | $2,449 | -22% |
| Posen | $215 | $2,576 | -17% |
| Rudyard | $219 | $2,630 | -15% |
| Tower | $229 | $2,749 | -10% |
| Kingsford | $219 | $2,624 | -15% |
| Chatham | $236 | $2,835 | -7% |
| Cooks | $226 | $2,711 | -12% |
| Michigamme | $217 | $2,600 | -16% |
| Munising | $220 | $2,637 | -14% |
| Nadeau | $235 | $2,824 | -8% |
| Shingleton | $225 | $2,695 | -12% |
| Grass Lake | $221 | $2,653 | -14% |
| Norvell | $225 | $2,698 | -12% |
| Ada | $207 | $2,484 | -20% |
| Barryton | $240 | $2,879 | -6% |
| Burnips | $212 | $2,545 | -18% |
| Casnovia | $221 | $2,646 | -14% |
| Moline | $209 | $2,511 | -19% |
| Pierson | $233 | $2,796 | -9% |
| Almont | $254 | $3,051 | +0% |
| Chassell | $236 | $2,836 | -7% |
| Ontonagon | $222 | $2,658 | -14% |
| Rockland | $227 | $2,722 | -11% |
| Skanee | $234 | $2,806 | -8% |
| White Pine | $218 | $2,613 | -15% |
| Munith | $226 | $2,718 | -11% |
| Onondaga | $221 | $2,654 | -14% |
| Somerset Center | $222 | $2,660 | -14% |
| Baldwin | $243 | $2,911 | -5% |
| Belmont | $212 | $2,540 | -18% |
| Middleville | $218 | $2,617 | -15% |
| Glenn | $212 | $2,545 | -18% |
| Jenison | $197 | $2,367 | -25% |
| Marne | $205 | $2,457 | -22% |
| Walkerville | $239 | $2,863 | -6% |
| Zeeland | $187 | $2,241 | -31% |
| Cadillac | $209 | $2,512 | -19% |
| Acme | $211 | $2,531 | -19% |
| Plainwell | $208 | $2,493 | -20% |
| Richland | $199 | $2,386 | -24% |
| South Haven | $202 | $2,419 | -23% |
| Union City | $226 | $2,707 | -12% |
| Sodus | $198 | $2,372 | -25% |
| Douglas | $213 | $2,559 | -18% |
| Hamilton | $204 | $2,449 | -22% |
| Pullman | $213 | $2,561 | -17% |
| Mulliken | $215 | $2,584 | -17% |
| Shepherd | $212 | $2,545 | -18% |
| Six Lakes | $241 | $2,891 | -5% |
| Stanton | $246 | $2,952 | -3% |
| Elwell | $213 | $2,559 | -17% |
| Ovid | $210 | $2,516 | -19% |
| Lennon | $232 | $2,780 | -9% |
| North Branch | $236 | $2,828 | -8% |
| Auburn | $194 | $2,330 | -27% |
| Beaverton | $229 | $2,751 | -10% |
| Bentley | $215 | $2,577 | -17% |
| Houghton Lake | $219 | $2,631 | -15% |
| Lake George | $235 | $2,821 | -8% |
| White Cloud | $233 | $2,800 | -9% |
| Wyoming | $208 | $2,494 | -20% |
| Clayton | $214 | $2,568 | -17% |
| Homer | $224 | $2,693 | -12% |
| Manitou Beach | $215 | $2,579 | -17% |
| Osseo | $229 | $2,745 | -11% |
| Rives Junction | $225 | $2,695 | -12% |
| Spring Arbor | $216 | $2,591 | -16% |
| Hopkins | $208 | $2,493 | -20% |
| Kent City | $223 | $2,676 | -13% |
| Lowell | $213 | $2,560 | -17% |
| Remus | $227 | $2,729 | -11% |
| Lake Linden | $234 | $2,807 | -8% |
| Marenisco | $222 | $2,668 | -13% |
| Allendale | $202 | $2,424 | -23% |
| Free Soil | $239 | $2,863 | -6% |
| Fremont | $219 | $2,634 | -15% |
| Hart | $225 | $2,696 | -12% |
| Rothbury | $217 | $2,606 | -16% |
| Whitehall | $206 | $2,468 | -21% |
| Cement City | $224 | $2,684 | -13% |
| Hillsdale | $223 | $2,678 | -13% |
| Sand Creek | $206 | $2,477 | -21% |
| Caledonia | $208 | $2,500 | -20% |
| Grant | $232 | $2,789 | -9% |
| Mecosta | $243 | $2,912 | -5% |
| Sparta | $213 | $2,557 | -18% |
| Hesperia | $234 | $2,814 | -8% |
| Mears | $220 | $2,643 | -14% |
| Saugatuck | $191 | $2,290 | -28% |
| Bear Lake | $221 | $2,657 | -14% |
| Lewiston | $217 | $2,601 | -16% |
| Paradise | $219 | $2,628 | -15% |
| Wolverine | $224 | $2,693 | -12% |
| Big Bay | $221 | $2,652 | -14% |
| Curtis | $216 | $2,594 | -16% |
| Germfask | $223 | $2,673 | -13% |
| Mc Millan | $217 | $2,605 | -16% |
| Hale | $230 | $2,762 | -10% |
| Munger | $200 | $2,400 | -24% |
| Frontier | $218 | $2,618 | -15% |
| Jasper | $207 | $2,485 | -20% |
| Waldron | $225 | $2,698 | -12% |
| Alto | $212 | $2,550 | -18% |
| Big Rapids | $227 | $2,722 | -11% |
| Sand Lake | $230 | $2,758 | -10% |
| Marion | $228 | $2,739 | -11% |
| Suttons Bay | $207 | $2,485 | -20% |
| Bay Shore | $208 | $2,492 | -20% |
| Herron | $216 | $2,594 | -16% |
| Pewamo | $218 | $2,611 | -15% |
| Saranac | $226 | $2,710 | -12% |
| Sumner | $223 | $2,673 | -13% |
| Weidman | $225 | $2,696 | -12% |
| Haslett | $196 | $2,358 | -26% |
| Lyons | $227 | $2,729 | -11% |
| Mcbrides | $238 | $2,853 | -7% |
| Maple Rapids | $210 | $2,518 | -19% |
| Shelby | $219 | $2,628 | -15% |
| Spring Lake | $190 | $2,284 | -29% |
| Potterville | $210 | $2,517 | -19% |
| Saint Johns | $204 | $2,444 | -22% |
| Standish | $220 | $2,643 | -14% |
| Barton City | $225 | $2,702 | -12% |
| University Center | $196 | $2,347 | -26% |
| Bridgeport | $232 | $2,784 | -9% |
| Mayville | $242 | $2,909 | -5% |
| Owendale | $232 | $2,785 | -9% |
| Sebewaing | $231 | $2,771 | -10% |
| Silverwood | $244 | $2,926 | -4% |
| Turner | $227 | $2,725 | -11% |
| Fenwick | $231 | $2,771 | -10% |
| Greenville | $229 | $2,748 | -10% |
| Ithaca | $217 | $2,602 | -16% |
| Morrice | $221 | $2,651 | -14% |
| Riverdale | $218 | $2,615 | -15% |
| Allen | $229 | $2,744 | -11% |
| Brooklyn | $214 | $2,570 | -17% |
| Mosherville | $229 | $2,747 | -10% |
| Pleasant Lake | $227 | $2,719 | -11% |
| Reading | $229 | $2,749 | -10% |
| Laingsburg | $220 | $2,643 | -14% |
| Orleans | $225 | $2,695 | -12% |
| Sheridan | $239 | $2,871 | -6% |
| Blissfield | $208 | $2,499 | -20% |
| Lake Odessa | $226 | $2,712 | -12% |
| Lakeview | $242 | $2,906 | -5% |
| Pompeii | $213 | $2,562 | -17% |
| Rosebush | $216 | $2,596 | -16% |
| Webberville | $214 | $2,570 | -17% |
| Bangor | $215 | $2,585 | -16% |
| Centreville | $215 | $2,583 | -17% |
| Baroda | $193 | $2,315 | -27% |
| Adrian | $209 | $2,512 | -19% |
| Croswell | $231 | $2,776 | -9% |
| Durand | $212 | $2,538 | -18% |
| Filion | $228 | $2,734 | -11% |
| Harbor Beach | $244 | $2,930 | -4% |
| Clarksville | $224 | $2,693 | -12% |
| Goodells | $230 | $2,765 | -10% |
| Macatawa | $198 | $2,381 | -25% |
| Scottville | $228 | $2,736 | -11% |
| Sylvan Beach | $207 | $2,479 | -21% |
| Custer | $237 | $2,846 | -7% |
| Fruitport | $210 | $2,519 | -19% |
Average car insurance costs by age in Michigan
Auto insurance rates may vary considerably based on a driver's age and years of driving experience. For this reason, younger and newer drivers typically pay significantly more for car insurance compared to older, more experienced drivers. Drivers who maintain a clean driving record should see a decrease in their rate as they gain more experience behind the wheel. Rates are similar from age 30 to 60 but can increase at age 70 and older. Gender is also a factor in most states, though Michigan prohibits the usage of gender as an insurance rating component.
|
|
|
|
|---|---|---|
|
Age 16*
|
Avg. monthly full coverage premium in Michigan
$562
|
Avg. annual full coverage premium in Michigan
$6,742
|
|
Age 18
|
Avg. monthly full coverage premium in Michigan
$724
|
Avg. annual full coverage premium in Michigan
$8,692
|
|
Age 20
|
Avg. monthly full coverage premium in Michigan
$576
|
Avg. annual full coverage premium in Michigan
$6,918
|
|
Age 25
|
Avg. monthly full coverage premium in Michigan
$302
|
Avg. annual full coverage premium in Michigan
$3,627
|
|
Age 30
|
Avg. monthly full coverage premium in Michigan
$269
|
Avg. annual full coverage premium in Michigan
$3,231
|
|
Age 40
|
Avg. monthly full coverage premium in Michigan
$254
|
Avg. annual full coverage premium in Michigan
$3,049
|
|
Age 50
|
Avg. monthly full coverage premium in Michigan
$218
|
Avg. annual full coverage premium in Michigan
$2,612
|
|
Age 60
|
Avg. monthly full coverage premium in Michigan
$222
|
Avg. annual full coverage premium in Michigan
$2,663
|
|
Age 70
|
Avg. monthly full coverage premium in Michigan
$247
|
Avg. annual full coverage premium in Michigan
$2,968
|
*16-year-old calculated on parents' policy with discounts applied; 18- and 20-year-old are renters on their own policies with no discounts applied
Cost considerations for young drivers in Michigan
Young drivers who have less experience behind the wheel and may be more inclined to engage in risky behaviors such as texting while driving are likely to see higher average rates. Insurers compensate for the increased risk of accidents by charging more, with 16-year-olds paying the highest average rates. Drivers under 18 must remain on their parents' policy. College-aged students can obtain their own insurance but also have the option to stay on their parents’ policy as long as their permanent address is the family home.
Some insurers offer discounts focused on young drivers, which may help lower their rates. These may include discounts for earning good grades in high school or college or discounts for attending school away from home when they leave their car at home. Below are sample rates for young drivers, showing how the rates start to decline as they age out of their teens.
|
|
|
|---|---|
|
Age 16*
|
Avg. annual premium for drivers in MI
$6,742
|
|
Age 17
|
Avg. annual premium for drivers in MI
$6,356
|
|
Age 18
|
Avg. annual premium for drivers in MI
$6,014
|
|
Age 19
|
Avg. annual premium for drivers in MI
$5,668
|
|
Age 20
|
Avg. annual premium for drivers in MI
$5,503
|
*16-year-old calculated on parents' policy with discounts applied; 18- and 20-year-old are renters on their own policies with no discounts applied
|
|
|
|---|---|
|
Age 18
|
Avg. annual premium for drivers in MI
$8,400
|
|
Age 19
|
Avg. annual premium for drivers in MI
$7,370
|
|
Age 20
|
Avg. annual premium for drivers in MI
$6,918
|
*16-year-old calculated on parents' policy with discounts applied; 18- and 20-year-old are renters on their own policies with no discounts applied
| Age | Avg. annual premium difference for drivers on their own policy |
|---|---|
| Age 18 | 40 percent more |
| Age 19 | 30 percent more |
| Age 20 | 26 percent more |
*18- and 20-year-old are renters on their own policies with no discounts applied
How does driving record impact the cost of car insurance in Michigan?
Your driving record is another key factor carriers will consider when determining your rates. Drivers with clean driving records typically see the lowest average rates, while those with a minor infraction, like a standard speeding ticket, see a slight jump. Those with a serious incident, like a DUI or OWI (operating while intoxicated) conviction, may see rates nearly double the state average in Michigan.