Car insurance in Michigan
Drivers in Michigan paid $1,573 a year for full coverage in 2023, 9% above the national average. With prices up since, figure on about $1,860 today. In Michigan, the law asks for at least 50/100/10 liability.
What people pay in Michigan
A typical yearly price today
about $1,860 a year (about $155 a month)
Michigan's average full-coverage cost in 2023 was $1,573, according to the National Association of Insurance Commissioners (NAIC). Car insurance prices nationally have risen about 18% since then (government price index, August 2026), so we start from about $1,860.
That makes Michigan the 12th most expensive of the 50 states and DC. Nationally, the average was $1,439.
It's an average across every kind of driver and car, not your price. Your car, your driving record, and how much coverage you carry move it up or down.
Michigan next to its neighbors
A typical policy costs more in Michigan than in all three of its neighbors.
| State | Typical price, 2023 | Moving to Michigan from there |
|---|---|---|
| Michigan | $1,573 | Not a move |
| Indiana | $1,032 | About $740 more a year |
| Ohio | $1,038 | About $730 more a year |
| Wisconsin | $1,000 | About $780 more a year |
| National average | $1,439 | Not a move |
The move is the What-if page's starting example: a 40–64-year-old with a clean record and a 2020 Toyota Camry, full coverage, in the suburbs, with nothing else changed. Only the two states' typical prices make the difference, so a real move can come out differently.
The least insurance Michigan's law asks for
- Liability (per person / per crash / property)
- $50,000 / $100,000 / $10,000
- Personal injury protection (PIP)
- Required
- Medical payments
- Not required
- No-fault
- Yes
- Uninsured motorist
- Not required
- Underinsured motorist
- Not required
Liability pays for injuries and damage you cause to others, up to these limits. A minimum is the least the law allows, not a recommendation, and it doesn't pay to fix your own car.
Michigan is a no-fault state: after a crash, your own policy pays for your own injuries first (through personal injury protection), whoever caused it.
Liability-only coverage, the closest NAIC figure to what a minimum policy costs, averaged $766 in Michigan in 2023 (about $910 today, brought up the same rough way), the 16th highest of the 50 states and DC. That's about 49% of the full-coverage price; the rest pays to fix or replace 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.
- Checked
- September 22, 2026
A new teen driver in Michigan
Adding a 16-year-old to a typical policy
about $1,230 more a year
About $105 a month, on one average car with full coverage. The whole policy with the teen: roughly $2,300–$4,100 a year.
On a policy of their own, with the same kind of car, the same teen would pay about $5,350 a year in Michigan (roughly $4,050–$7,650).
What adding a teen costs comes from California's published prices, so the range is wide, and Michigan may differ. How adding a teen driver works.
Cars that cost the least to add a teen with
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. At the other end of the same lists, the 2022 Tesla Model 3 costs about $1,850 more a year.
| Car | Added to your policy | On their own policy |
|---|---|---|
| 2022 Subaru Forester | +$1,100 a year | $4,770 a year |
| 2022 Subaru Outback | +$1,100 a year | $4,780 a year |
| 2022 Subaru Crosstrek | +$1,100 a year | $4,800 a year |
| 2022 Honda CR-V | +$1,180 a year | $5,130 a year |
| 2022 Toyota RAV4 | +$1,200 a year | $5,220 a year |
The order is the same in every state, because our car data is national. What changes from state to state is the price level.
Why these cars cost less, and what this doesn't cover.
“Try it with your own car” opens your own situation in Michigan (a 2020 Toyota Camry if you haven't set one) with a new 16-year-old. It starts from that car, not an average one, so its figure can differ from the one above.
Where these numbers come from
- Typical prices: National Association of Insurance Commissioners (NAIC), 2022/2023 Auto Insurance Database Report, 2023 data, brought up to today with the government's price index for car insurance.
- The law: Michigan's own statute or insurance department, listed above with the date we checked it.
- Teen drivers and cars: the same math as the rest of the site. Here's how we got these, and every source.
This is an estimate to help you plan, not a quote. We don't sell insurance, and we never pass your info to anyone. Only an insurer can give you a real price.