Short answer: car insurance in Michigan depends on your ZIP code, coverage level and driver/home profile. Michigan's state minimum car insurance is 50/100/10. Compare free quotes from licensed partners in ~2 minutes. The average annual car insurance premium in Michigan is about $1,443 (NAIC, 2023); your exact rate depends on coverage and profile.
Updated August 2026
Michigan car insurance basicsMichigan is a
no-fault state for auto insurance. Minimum car insurance in Michigan:
50/100/10 — $50k bodily injury/person, $100k/accident, $10k property damage.
(no-fault; also requires PIP) Statewide average premium:
~$1,443/yr (NAIC, 2023).
Verify with the state insurance department →
Cities in Michigan
Michigan car insurance FAQ
How much is car insurance in Michigan?
The average annual car insurance premium in Michigan is about $1,443 (NAIC, 2023); your rate varies by city, ZIP, coverage and profile. Compare free quotes from licensed partners.
How do I get cheap car insurance in Michigan?
Compare multiple carriers, bundle policies, and check local Michigan discounts. Get free quotes in a couple of minutes.
Also compare home insurance in Michigan →