Insurance in Michigan

In 2023, the average Michigan driver spent $1,444 per insured vehicle on liability, collision and comprehensive coverage (NAIC Auto Insurance Database Report, 2023 data). Your actual rate depends on your age, driving record, vehicle, location within Michigan, and coverage levels.

Compare quotes from multiple carriers using Truvo — it's free and takes 2 minutes. Bundling car and home insurance often saves up to 25%. You can also save with a clean driving record, higher deductibles, and multi-policy discounts.

Key factors include your ZIP code within Michigan, driving record, age, credit score, vehicle and home details, coverage level, and claims history. Michigan has among the highest auto rates nationally, partly due to its PIP requirements (reformed in 2020).