Average car insurance cost in Michigan (2026)
Drivers in Michigan pay an average of $230 a month for full coverage and $131 a month for liability only.
Full coverage / month
$230
Liability only / month
$131
Full coverage / year
$2,760
Liability only / year
$1,572
Cost rank
#9 of 51
1 = most expensive. Liability-only rank: #11.
Averages are a starting point. Estimate your cost in Michigan
How Michigan compares
The full-coverage average of $230 is 32% above the average across states ($174), and the liability-only average of $131 is 34% above the average across states ($98). Michigan is one of the 10 most expensive places in our table. That is $71 a month below Maryland, the highest, and $145 above New Hampshire, the lowest.
Full coverage vs liability only in Michigan
Full coverage costs $99 more per month than liability only in Michigan, or $1,188 more per year. That gap is wider than the $77 average gap across states. Whether the extra cost makes sense depends on your car's value and any loan or lease terms. See our guide to choosing between full coverage and liability only.
States with similar prices
The five places closest to Michigan by full-coverage average:
| State | Full / month | Liability / month | Difference |
|---|---|---|---|
| Washington, D.C. | $227 | $131 | -$3 |
| Florida | $235 | $143 | +$5 |
| Connecticut | $225 | $161 | -$5 |
| New York | $217 | $145 | -$13 |
| Colorado | $217 | $97 | -$13 |
How a profile could change the estimate
These figures apply our illustrative multipliers to the Michigan averages. They show direction and rough scale only, and they are not any insurer's prices. For background, read what affects car insurance rates.
| Example profile | Full | Liability |
|---|---|---|
| Age 35-54, clean record, good credit, sedan, mid mileage (the baseline) | $230 | $131 |
| Same driver, age 20-24 | $334 | $190 |
| Same driver, one ticket | $281 | $160 |
| Same driver, one at-fault accident | $327 | $186 |
| Same driver, sports car | $299 | $170 |
Frequently asked questions
How much does car insurance cost in Michigan?
The average in Michigan is $230 a month ($2,760 a year) for full coverage and $131 a month ($1,572 a year) for liability only, based on Insurify figures for November 2026. Your own price may be higher or lower.
Is car insurance in Michigan expensive compared with other states?
Michigan ranks 9th highest of the 50 states and D.C. for full coverage. Its full-coverage average is 32% above the average across states of $174 a month.
How much more does full coverage cost than liability only in Michigan?
On average, full coverage costs $99 more per month in Michigan, or $1,188 more per year. That is 76% more than the liability-only average.
How much could an at-fault accident change an estimate in Michigan?
With our illustrative 1.42 factor, a baseline full-coverage estimate in Michigan rises from $230 to about $327 a month, or about $97 more. This is a simplified estimate, not an insurer's price.
Source: Insurify state averages, November 2026. Figures are monthly averages and individual prices vary. "Average across states" is the simple mean of the 51 figures in our table. See our methodology.