MICHIGAN RATE INDEX - MI
Michigan car insurance rates
Estimates and published averages, not a quote. Not insurance advice. Your actual premium will differ based on your address, vehicle, record, limits and insurer.
Combined average premium, 2023
$1,572
Liability + collision + comprehensive, one insured vehicle.
Average expenditure, 2023
$1,443
What the average insured vehicle actually cost across the mix bought.
Liability average premium, 2023
$765
Use this to benchmark liability-heavy or liability-only quotes.
Where Michigan sits nationally
The countrywide combined average premium in the same NAIC dataset was $1,438. Michigan at $1,572 is $134 (9.3%) above that figure, which ranks it 6 of the 12 states in our launch index, from highest to lowest combined average. The countrywide average expenditure was $1,282, compared with $1,443 in Michigan.
That comparison is useful for context, not for prediction. NAIC itself warns that state averages reflect different coverage mixes, state laws, traffic conditions and demographics, so direct state to state comparisons need caution. A driver in a dense metro area of Michigan can pay far more than a rural driver with the same car and record.
Michigan insight: what the coverage split tells you
Three numbers on this page answer three different questions, and reading them together says more than any one of them alone. The combined premium of $1,572 is what a fully covered vehicle cost on average. The liability premium of $765 is the floor layer every driver buys. The difference, $807 or about 51.3% of the combined figure, is the average price of protecting the car itself through collision and comprehensive in Michigan in 2023. If you are deciding whether to keep physical damage coverage on an older paid-off car, that $807 average slice is the amount in play, and our liability-only vs full coverage guide shows how to run the decision with it.
The second signal is the gap between the combined premium and average expenditure. Michigan drivers actually spent $1,443 per insured vehicle on average, which is $129 less than the combined figure, or about 91.8% of it. Expenditure sits below the combined premium because not every vehicle carries collision and comprehensive, deductibles vary, and the mix of limits people buy is thinner than a full combined policy. When your own spending sits near the expenditure figure but your quote is built like a combined policy, you are probably comparing two different products. The Car Rate Checker lets you switch between all three measures for Michigan so the comparison matches the quote in front of you.
The third signal is local. Michigan ranks 6 of 12 in this index, and its minimum liability framework is 50/100/10 default PIP choice varies. Michigan no-fault rules let drivers choose PIP medical levels. Confirm current requirements with the Michigan Department of Insurance and Financial Services. A state can rank high because claims are expensive, because drivers buy more coverage, or both, and the NAIC averages alone cannot separate those causes. What you can do is benchmark your own quote against the right figure above, then ask an insurer which rating factors explain the distance between your price and that benchmark.
How to benchmark a Michigan quote
- If your quote includes collision and comprehensive, compare it first with the combined figure, $1,572.
- If your quote is liability-only, compare it with the liability figure, $765. Do not compare it with the combined figure.
- If your quote covers more than one vehicle or more than one driver, divide carefully or ask the insurer for the per vehicle view. The NAIC figures are per insured vehicle.
- Check the age band pages if a driver under 25 or around 65 is on the policy. Age changes where you should expect to sit relative to the benchmark, even though NAIC does not publish an age dollar split here.
Minimum coverage in Michigan
Published minimum in our index notes: 50/100/10 default PIP choice varies. Michigan no-fault rules let drivers choose PIP medical levels. Confirm current requirements with the Michigan Department of Insurance and Financial Services. Minimum limits are a legal floor. They are not a recommendation for how much protection your household needs.
What pushes Michigan premiums up or down
Across states, the recurring drivers are crash frequency, repair and medical costs, theft and weather claims, litigation patterns, the share of uninsured drivers, and how densely people live and drive. Within Michigan, your garaging ZIP code, annual mileage, vehicle repair cost, prior claims, tickets, and in many states a credit based insurance score, will move your quote away from the state average in either direction.
Trend context: the U.S. Bureau of Labor Statistics reported its motor vehicle insurance Consumer Price Index was up 0.2% over the 12 months ended February 2026. A price index moving slowly after a sharp rise does not mean premiums fell back to older levels. It means the measured increase slowed in that window.
Try the benchmark checker
Use the Car Rate Checker to place your state, age band and coverage level against the same published figures on this page. It returns a benchmark, not a quote. For the decisions behind the numbers, read the deductible guide and the coverage split guide.
Common questions about Michigan rates
What is the average car insurance premium in Michigan?
In the NAIC 2023 published data behind this page, the Michigan combined average premium (liability plus collision plus comprehensive, one insured vehicle) was $1,572, the liability average premium was $765, and average expenditure was $1,443. Those are group averages for 2023, not a quote for you.
Why is my Michigan quote higher than the published average?
The average blends rural and urban drivers, clean and ticketed records, and cheap and expensive cars. A city garaging address, a young driver, low deductibles or a recent claim can each move a real quote well above $1,572. Compare like with like: a quote with collision and comprehensive belongs against the combined figure, a liability-only quote against $765.
What are the minimum liability limits in Michigan?
Our index notes list 50/100/10 default PIP choice varies for Michigan. Michigan no-fault rules let drivers choose PIP medical levels. Confirm current requirements with the Michigan Department of Insurance and Financial Services. Minimum limits are a legal floor, not a recommendation for the protection your household needs.
How much of the Michigan premium is physical damage coverage?
At the published average level, the gap between the combined figure ($1,572) and the liability figure ($765) is $807, about 51.3% of the combined premium. That is the average price of collision and comprehensive in the 2023 data, and it is the portion a deductible decision can influence.
Sources and verification
Every premium figure on this page: NAIC 2023 Auto Insurance Database Average Premium Supplement (June 2025), Tables 1C, 4 and 5, 2023 data, verified 2026-10-04. Source document: https://content.naic.org/sites/default/files/aut-db_1.pdf. Trend figure: U.S. Bureau of Labor Statistics, The Economics Daily, March 19, 2026, http://www.bls.gov/opub/ted/2026/consumer-prices-up-2-4-percent-over-year-ended-february-2026.htm . Minimum limit note is a starting point only. Confirm current law with your state insurance regulator. Full method: Methodology.
Other state indexes
- California car insurance rates - $1,417 combined, 2023
- Texas car insurance rates - $1,727 combined, 2023
- Florida car insurance rates - $1,994 combined, 2023
- New York car insurance rates - $1,896 combined, 2023
- Pennsylvania car insurance rates - $1,274 combined, 2023
- Illinois car insurance rates - $1,257 combined, 2023