Best Auto Insurance Rates in Michigan

On average, your neighbors pay $102 a month.

See Your Rates
Local Insurance Information

Compare Auto Insurance in Michigan

Michigan, divided into two separate land masses, is a unique state. Its insurance system is also unique, with some one-of-a-kind twists on no-fault insurance coverage that you need to know about.

This page will show you which types of coverage are legally required in Michigan. It also provides information about the cost of driving including average rates, and share some insights about insurance risk.

Average Michigan Car Insurance Rates

How much is car insurance in Michigan? It's no secret, insurance premiums here are much higher than the national average. The average cost of auto insurance in Michigan is $1,231.39, compared to the national average price of $889.01.

Prices will vary depending on your driving record, credit rating, zip code, limits, and coverage.

Michigan Average Car Insurance Rates
Coverage Rates
Liability $795.32
Collision $413.83
Comprehensive $154.85
Total Cost Per Year $1,231.39
Price Per Month $102.61

The graph below shows the change in average Michigan rates from 2011 to 2015, the most recent year the data is available. According to the III, Michigan car insurance rates increased from $983 in 2011 to $1,227 in 2015, a jump of $247 dollars, or 25.19 percent.

Michigan average car insurance rates

Finding a reliable auto insurance provider in Michigan is important these days. But how do you determine which one is right for you?

One way is to compare rates from a number of different car insurance companies. Let QuoteWizard help you do that. We’ll get you all the info you need so you can find a policy that you, your vehicle, and your wallet will love.

Last year, 122,433 people used QuoteWizard to compare auto insurance quotes in Michigan from multiple companies.

10 Most Common Vehicles in Michigan

These are the most common vehicles owned by Michigan drivers requesting car insurance quotes through QuoteWizard in the past year.

  1. Ford F150
  2. Ford Fusion SE
  3. Ford Taurus
  4. Chevrolet Impala
  5. Chevrolet Blazer
  6. Chevrolet Silverado
  7. Ford Focus
  8. Chevrolet Malibu
  9. Ford Escape XLT
  10. Chevrolet Trailblazer
Get a quote for your vehicle. Request Quote Get a Quote For Your Vehicle

Best Michigan Car Insurance Companies

Last year, these were the most common car insurance companies reported by QuoteWizard users living in the state of Michigan. Out of the 122,433 Michigan drivers that used QuoteWizard to request insurance quotes last year, 20,236 had no car insurance.

Michigan Auto Insurance Laws

Car Insurance Minimum Coverage

If you drive a vehicle registered in Michigan, you must maintain a minimum level of insurance coverage of 20/40/10. This means that you must have a policy with at least the following:

  • $20,000 of coverage for bodily injury liability per person
  • $40,000 of coverage for bodily injury liability per incident
  • $10,000 of coverage for property damage liability per incident - for at fault accidents outside of Michigan
  • $1,000,000 of coverage for property damage protection - for accidents in Michigan
  • Coverage for Personal Injury Protection (no dollar limit)

Michigan is one of the 12 US states that have a no-fault insurance system. In no-fault states, accident victims can collect benefits from their own insurance companies, regardless of whether the other party is insured. Liability coverage is intended to help pay for other peoples’ medical and repair bills if you're found at fault in a car accident. PIP is intended to cover your medical expenses after an accident, regardless of who was at fault. Property protection coverage pays for damage to property other than vehicles.

Required Proof of Auto Insurance

Any time you drive in Michigan, you must be prepared to show your car insurance identification card to law enforcement. You will get this identification card from your car insurance company when you buy a policy.

The card must include all of the following:

  • Name of the insurance company
  • Policy number
  • Effective date of the policy
  • Expiration date of the policy
  • Description of the year, make, or model of the insured vehicles, or the name of the insured driver. The word “fleet” may be used for more than 5 vehicles owned by the same person or business.


If you can't show proof of insurance to a law enforcement officer upon request, your driver’s license may be suspended. Until proof of insurance is provided, the Secretary of State will not renew, transfer, or replace your vehicle’s license plate. You may be required to prove the vehicle is insured for not less than six months, and pay $50, and possibly other fees. Your license plate could also be canceled if proof of insurance isn't produced.

Michigan drivers saved up to $383 on their car insurance policies by comparing rates through our simple form.
Ready to see if you're eligible?
Click Here

SR-22 Requirements

Michigan residents that have had their driver’s licenses suspended due to drunk driving convictions or other violations must provide proof of financial responsibility by filing an SR-22 form. “SR” stands for safety responsibility and it certifies that a driver has the minimum amount of insurance required by state law.

Michigan law requires that an SR-22 be carried for 36 consecutive months. If a driver fails to renew their policy 15 days before expiration, a letter is sent to the state resulting in suspension of their license. Once renewed, the license will be reinstated, but this can be a time-consuming process.

State of Michigan Traffic Safety Laws

Distracted Driving Laws

Novice drivers as well as school bus drivers are prohibited from using cell phones at any time while driving in Michigan. Drivers with full driving privileges face no such restrictions. All drivers are banned from sending or receiving text messages while driving in Michigan.

Implied Consent Law

Michigan’s Implied Consent law requires that any driver submit to testing to determine the alcohol or drug content of their blood, breath, or urine when arrested by law enforcement for suspicion of operating while intoxicated (OWI). Refuse the test and you’ll face the following penalties in addition to the penalties for an OWI:

  • First Offense: 1-year driver's license suspension
  • Second Offense: 2-year driver's license suspension
  • Third Offense: 5-year driver's license suspension

OWI Law and Penalties

If you drive or operate a motor vehicle in Michigan with a Blood Alcohol Content (BAC) of 0.08% or higher, you're guilty of Operating While Intoxicated.

Booster Seat Law

  • Children younger than age 4 must ride in a car seat in the rear seat. If all available rear seats are occupied by children under 4, a child under 4 may ride in a car seat in the front seat. But only if the passenger side airbags are disabled.
  • Children must be properly secured in a car seat or booster seat until they are 8 years old or 4-feet-9-inches tall, whichever comes first.

The maximum fine for failing to properly restrain children in Michigan is $25 for a first offense.

Graduated Driver’s License Program

Michigan has implemented a 3-tier graduated driver’s license program. It begins with a learner’s permit and ends with full driver privileges once all conditions are met.

Drivers must be 14 and 3/4 years  old to get a learner's license, and are required to drive 50 hours under supervision. Ten of those hours must take place at night. Once these conditions are satisfied, and the driver has reached at least the age of 16, they can take the driver’s test. If they pass the test, an intermediate license is issued and the driver enters the intermediate stage.

Drivers in the intermediate stage cannot drive between the hours of 10 pm and 5 am. In addition, they are forbidden to have any passengers in their car under the age of 21, other than immediate family members. Drivers obtain their full driving privileges once they complete the above requirements and turn 17.

Senior Drivers in Michigan

All Michigan drivers are required to renew their driver’s license every 4 years. Michigan has no special provisions for senior drivers.

Seat Belt Laws

Michigan requires that all passengers in the front seats of  a moving vehicle aged 16 and up wear seat belts. Children are required to use approved child seats as described above. The maximum fine for a first offense is $25.

Vehicles Registered in Another State

When driving in Michigan that's required to be registered in another state, you must have the type of insurance required by that state. You must be able to provide proof of this insurance to law enforcement if requested.

The Cost of Driving in Michigan

Average Car Insurance Rates

The average cost of car insurance in Michigan in 2015, was $1,231.39 compared to a national average of $889.01. Michigan is the 4th most expensive state for car insurance.

Fuel Taxes

The state of Michigan taxes gasoline at 30.54 cents per gallon and diesel fuel at 28.49 cents per gallon. This is in addition to the Federal fuel tax of 18.4 cents per gallon on gasoline, and 24.4 cents per gallon on diesel. The total tax on regular gasoline is 48.94 cents per gallon. For diesel fuel, the total tax adds up to 52.89 cents per gallon.

Car Insurance Risk in Michigan

Uninsured Motorists

The percentage of Michigan residents estimated to be driving without insurance tops out at 21%. That ranks Michigan as #5 among US states and the District of Columbia, much worse than average.

Traffic Fatalities

In 2014, there were 901 traffic fatalities in Michigan, a 5% decrease from the state’s 947 traffic fatalities in 2013.

Michigan Crash Statistics

The Michigan State Police archives crash statistics on this website: Michigan State Police - Crash Statistics

Vehicle Thefts in Michigan

Michigan had 21,157 vehicle thefts reported in 2014, a 12.2% decrease compared to 2013. In 2014, the vehicle theft rate was 213.5 per 100,000, an decrease of 12.3% over the 2013 rate of 243.3 per 100,000.

The vehicle theft rate in Michigan is identical to the overall US vehicle theft rate, which was 216.2 per 100,000 in 2014.

Top 10 Most Stolen Vehicles in Michigan

Source: National Insurance Crime Bureau - Hot Wheels Report 2014

  1. 2007 Chevrolet Pick-Up (Small Size)
  2. 2004 Chevrolet Impala
  3. 2002 Dodge Caravan
  4. 2014 Ford Fusion
  5. 2004 GMC Pick-Up (Full Size)
  6. 2014 Ford Taurus
  7. 2006 Ford Pick-Up (Full Size)
  8. 2000 Jeep Cherokee/Grand Cherokee
  9. 2013 Chevrolet Malibu
  10. 2014 Dodge Charger

Michigan Auto Insurance Company Market Share

Source: Insurance Institute of Michigan
Rank Market Share Company
1 17% Auto Club Group
2 10% Auto-Owners
3 9% Progressive
4 8% Allstate
5 7% Citizens
6 4% Farm Bureau
7 4% Farmers
8 3% Liberty
9 2% Frankenmuth

Michigan Department of Insurance and Financial Services

Director Office of Insurance Rates and Forms:
Patrick C. McPharlin
Insurance Hotline:
(877) 999-6442
Monday - Friday
8:00 am - 5:00 pm

File a Consumer Insurance Complaint

Filing a Complaint with DIFS

Sources: LLC has made every effort to ensure that the information on this site is correct, but we cannot guarantee that it is free of inaccuracies, errors, or omissions. All content and services provided on or through this site are provided "as is" and "as available" for use. LLC makes no representations or warranties of any kind, express or implied, as to the operation of this site or to the information, content, materials, or products included on this site. You expressly agree that your use of this site is at your sole risk.