Michigan isn't in Insurify's current free data set, so this average is a representative estimate (not sourced). See
methodology.
The one thing that sets Michigan apart
Reformed no-fault (2020) let drivers pick PIP tiers — still among the priciest.
Minimum vs. full coverage in Michigan
What each coverage level costs on the Michigan average — so you can see what "going minimum" really saves, and risks.
| Coverage level | Est. / year | Est. / month |
|---|
| Minimum | $980 | $82 |
| Liability Only | $1,640 | $137 |
| Full | $2,980 | $248 |
| Full Low Deductible | $3,640 | $303 |
Minimum coverage saves about $2,000/yr vs full — but caps protection at 50/100/10. One at-fault crash above those limits and the gap is yours.
Michigan car insurance FAQ
- What's the minimum car insurance required in Michigan?
- Michigan's state minimum is 50/100/10 — $50k bodily injury per person, $100k per accident, $10k property damage. Minimum-only runs about $980/yr but leaves you exposed above those caps.
- How much is full coverage in Michigan?
- Representative full coverage averages $2,980/yr (about $248/mo), ranking Michigan #45 of 51 states for cost.
- Why is Michigan car insurance priced the way it is?
- Reformed no-fault (2020) let drivers pick PIP tiers — still among the priciest.