How much is car insurance in Michigan?
Drivers in Michigan paid an average of $1,573 a year for full-coverage car insurance in 2023 (NAIC), 9% above the $1,439 US average, or about $1,860 a year in Michigan today (about $155 a month through August 2026). In Michigan, the law asks for at least 50/100/10 liability, and Michigan's 2023 liability-only average—the closest NAIC benchmark to a minimum policy—was $766 (about $910 today).
Average car insurance cost in Michigan: 9% above the US average
Typical Michigan full-coverage price today
about $1,860 a year in Michigan (about $155 a month)
Michigan's 2023 NAIC full-coverage average ($1,573) adjusted +18% to August 2026 using the US motor-vehicle insurance price index; your Michigan rate depends on your car, driving history, and coverage limits.
That $1,573 2023 full-coverage figure makes Michigan the 12th most expensive of the 50 states and DC (against $1,439 nationally), with 49% going to liability ($766, 16th highest in the US) and 51% covering physical damage to your own vehicle. Across all insured vehicles in Michigan (including policies without collision or comprehensive), NAIC's 2023 average expenditure was $1,444 (12th highest in the US, about $1,710 today)—only 8% ($129) below Michigan's $1,573 full-coverage benchmark.
Michigan costs more to insure than Indiana, Ohio, and Wisconsin
A typical full-coverage policy in Michigan ($1,573 in 2023) costs more than in all three bordering states. Among Michigan's neighbors, Wisconsin had the lowest 2023 average ($1,000, moving to Michigan is about $770 more a year) and Ohio had the highest ($1,038, moving to Michigan is about $720 more a year).
| State | 2023 average | Moving to Michigan from there |
|---|---|---|
| Michigan | $1,573 | Current state (Michigan) |
| Indiana | $1,032 | About $720 more a year |
| Ohio | $1,038 | About $720 more a year |
| Wisconsin | $1,000 | About $770 more a year |
| US average | $1,439 | US benchmark |
States with similar 2023 full-coverage averages: Delaware ($1,569 in 2023, about $1,860 today), Nevada ($1,600 in 2023, about $1,900 today), Maryland ($1,602 in 2023, about $1,900 today), and South Carolina ($1,517 in 2023, about $1,800 today).
Michigan: 50/100/10 minimums and no-fault PIP rules
- Michigan liability (per person / per crash / property)
- $50,000 / $100,000 / $10,000
- Personal injury protection (PIP) in Michigan
- Required
- Medical payments in Michigan
- Not required
- No-fault system in Michigan
- Yes
- Uninsured motorist in Michigan
- Not required
- Underinsured motorist in Michigan
- Not required
Set by MCL 500.3009, Michigan's 50/100/10 minimum pays up to $50,000 per person and $100,000 per crash for injuries you cause to others, plus $10,000 for others' property—the legal floor in Michigan, not a coverage recommendation, and it excludes collision or comprehensive repairs on your own car.
Michigan is a no-fault state: after a crash, your own Michigan policy pays for your medical bills first through personal injury protection (PIP), regardless of who caused the crash.
Liability-only coverage in Michigan—the closest NAIC figure to what a Michigan minimum policy costs—averaged $766 in 2023 (about $910 in Michigan today), the 16th highest of the 50 states and DC. That makes liability 49% of Michigan's full-coverage average ($1,573), while the remaining 51% goes toward collision and comprehensive coverage for your own car.
Michigan policies now start at $250,000 per person and $500,000 per crash for injuries. You can sign a state form to drop that to $50,000/$100,000, the lowest allowed. Every policy includes no-fault personal injury protection (you pick a medical limit) and up to $1 million for damage your car does to property in Michigan. Uninsured and underinsured motorist coverage is optional.
Good to know: The table shows the lowest injury limits you can buy (50/100), not the 250/500 a policy starts with. The $10,000 property-damage figure applies outside Michigan; inside Michigan, damage your car does is paid by up to $1 million of property protection insurance.
What we couldn’t confirm: The state guide that says uninsured and underinsured motorist coverage are optional is an older edition from before 2020; we relied on it only for that point. We marked medical payments coverage not required because we found no law requiring it, not because a law says it's optional.
- Personal injury protection
- PIP medical has been a choice since July 2, 2020: unlimited, $500,000, $250,000, or $50,000 (only if you're on Medicaid and your household is covered). If you make no valid choice, you get unlimited. Some people with Medicare Parts A and B can opt out of PIP medical entirely. Property protection insurance (PPI) pays up to $1,000,000 per crash for damage your car does in Michigan.
- History and recent checks
- Since July 2, 2020 (2019 no-fault reform), the default bodily injury limits in a Michigan policy are $250,000/$500,000 (MCL 500.3009(1)). You can sign the state's form to choose lower limits, but not below $50,000/$100,000 (MCL 500.3009(5)). Those are the lowest limits you can actually buy. The old 20/40/10 still appears in MCL 257.520 (financial-responsibility certificates) and was the policy minimum before July 2, 2020. The $10,000 property damage figure in 500.3009(1)(c) is unchanged; inside Michigan, PPI covers property damage.
- Checked
- September 22, 2026
- Sources
- MCL 500.3009
after July 1, 2020 ... not less than $250,000.00 ... may choose to purchase lower limits ... but not lower than $50,000.00 under subsection (1)(a) and $100,000.00 under subsection (1)(b) ... $10,000.00 because of injury to or destruction of property
- MCL 500.3101
the owner or registrant of a motor vehicle required to be registered in this state shall maintain security for payment of benefits under personal protection insurance and property protection insurance ... and residual liability insurance
- MCL 500.3107c
select 1 of the following coverage levels ... $50,000.00 ... $250,000.00 ... $500,000.00 ... (d) No limit
- MCL 500.3107d
may ... elect to not maintain coverage for personal protection insurance benefits payable under section 3107(1)(a) if the applicant or named insured is a qualified person
- MCL 500.3121(5)
property protection insurance benefits paid under 1 policy for damage to all tangible property arising from 1 accident shall not exceed $1,000,000.00
- MCL 500.3135
subject to tort liability for noneconomic loss ... only if the injured person has suffered death, serious impairment of body function, or permanent serious disfigurement
- MCL 257.520
$20,000.00 because of bodily injury to or death of 1 person ... $40,000.00 ... and $10,000.00 because of injury to or destruction of property
- Michigan DIFS, 'Michigan's Auto Insurance Law Has Changed' guide (pre-reform edition)
Uninsured Motorist/Underinsured Motorist Bodily Injury - These are both optional coverages available from insurers for purchase.
- MCL 500.3009
Adding a 16-year-old driver in Michigan: about $1,230 more a year
Adding a 16-year-old to a Michigan policy
about $1,230 more a year
About $105 a month (+66% over a typical Michigan adult policy of $1,860), bringing the combined Michigan family policy to roughly $2,300–$4,100 a year.
On a separate Michigan policy of their own with the same car, a 16-year-old in Michigan would pay about $5,350 a year (roughly $4,050–$7,650), so sharing a parent's Michigan policy saves about $4,120 a year.
Our teen-driver multipliers come from California's published age-rating filings scaled to Michigan's baseline. How adding a teen driver works.
Cheapest cars to add a teen with in Michigan
In Michigan, the 2022 Subaru Forester, Outback, and Crosstrek come out the same, the least of the 33 cars on the site's popular lists to add a teen with: about $1,100 more a year on a Michigan policy, versus about $1,850 more a year for the 2022 Tesla Model 3 at the top of Michigan's list.
| 2022 model | Added to a Michigan policy | Own Michigan policy |
|---|---|---|
| 2022 Subaru Forester | +$1,100 in Michigan | $4,770 in Michigan |
| 2022 Subaru Outback | +$1,100 in Michigan | $4,780 in Michigan |
| 2022 Subaru Crosstrek | +$1,100 in Michigan | $4,800 in Michigan |
| 2022 Honda CR-V | +$1,180 in Michigan | $5,130 in Michigan |
| 2022 Toyota RAV4 | +$1,200 in Michigan | $5,220 in Michigan |
The order is the same in every state, because our car data is national. What changes from state to state is the price level. See all 33 teen cars and how we rank them.
What popular cars cost to insure in Michigan
In Michigan, a 45-year-old with full coverage pays from about $1,790 a year for a 2024 Subaru Ascent to about $3,400 for a 2024 Tesla Model X on these Michigan sample models.
| Car | 45-year-old in Michigan | Adding a teen in Michigan |
|---|---|---|
| 2024 Tesla Model S | about $3,320 a year | +$2,190 a year |
| 2024 Tesla Model X | about $3,400 a year | +$2,240 a year |
| 2024 Honda Pilot | about $1,810 a year | +$1,200 a year |
| 2024 Honda Passport | about $1,880 a year | +$1,240 a year |
| 2024 Toyota 4Runner | about $1,900 a year | +$1,260 a year |
| 2024 Toyota Grand Highlander | about $1,930 a year | +$1,280 a year |
| 2024 Subaru Ascent | about $1,790 a year | +$1,180 a year |
| 2024 Mazda CX-30 | about $2,040 a year | +$1,340 a year |
See all 121 popular cars, SUVs, pickups, and EVs.
Common questions about car insurance in Michigan
- How much is car insurance in Michigan?
- In Michigan, full-coverage car insurance averaged $1,573 a year in 2023 (the 12th most expensive of the 50 states and DC per NAIC), or about $1,860 a year ($155 a month) in Michigan as of August 2026. Michigan liability-only coverage averaged $766 in 2023 (49% of Michigan's full-coverage figure, or about $910 today), and Michigan drivers spent $1,444 per insured car across all policies.
- What are the minimum car insurance limits in Michigan?
- Under MCL 500.3009, Michigan requires 50/100/10 liability: $50,000 per person and $100,000 per crash for bodily injury, plus $10,000 for property damage. Since July 2, 2020 (2019 no-fault reform), the default bodily injury limits in a Michigan policy are $250,000/$500,000 (MCL 500.3009(1)). You can sign the state's form to choose lower limits, but not below $50,000/$100,000 (MCL 500.3009(5)). Those are the lowest limits you can actually buy. The old 20/40/10 still appears in MCL 257.520 (financial-responsibility certificates) and was the policy minimum before July 2, 2020. The $10,000 property damage figure in 500.3009(1)(c) is unchanged; inside Michigan, PPI covers property damage.
- How much does adding a 16-year-old teen driver cost in Michigan?
- Adding a 16-year-old to a parent's full-coverage policy in Michigan adds about $1,230 more a year ($105 a month), bringing the Michigan household policy to roughly $2,300–$4,100 a year versus about $5,350 a year (roughly $4,050–$7,650) on a standalone Michigan teen policy.
- Is Michigan a no-fault car insurance state?
- Yes—Michigan uses no-fault auto insurance rules, so your own Michigan personal injury protection (PIP) pays your medical bills first after a crash regardless of fault. PIP medical has been a choice since July 2, 2020: unlimited, $500,000, $250,000, or $50,000 (only if you're on Medicaid and your household is covered). If you make no valid choice, you get unlimited. Some people with Medicare Parts A and B can opt out of PIP medical entirely. Property protection insurance (PPI) pays up to $1,000,000 per crash for damage your car does in Michigan.
- How does Michigan's car insurance cost compare with Indiana?
- Michigan averaged $1,573 for full coverage in 2023 (NAIC) against $1,032 in Indiana (52% more than Indiana), and moving a sample policy from Indiana to Michigan today is about $720 more a year. Other bordering states averaged $1,038 in Ohio and $1,000 in Wisconsin in 2023.
Sources for Michigan
- Michigan average premiums ($1,573 full coverage, $766 liability-only, $1,444 average expenditure): National Association of Insurance Commissioners (NAIC), 2022/2023 Auto Insurance Database Report (2023 data, trended to today with the BLS CPI motor-vehicle insurance series).
- Michigan minimum coverage statutes (MCL 500.3009; MCL 500.3101; MCL 500.3107c; MCL 500.3107d; MCL 500.3121(5); MCL 500.3135; MCL 257.520; Michigan DIFS, 'Michigan's Auto Insurance Law Has Changed' guide (pre-reform edition)), checked September 22, 2026. Page updated for Michigan. See methodology and all sources.
This is an estimate to help you plan, not a quote. We don't sell insurance, and nothing you type is sent to us. Only an insurer can give you a real price.