Updated April 2026 | Rank #43 of 51
Car Insurance Cost Per Month in Michigan 2026
Full coverage avg
$246/mo
Minimum coverage avg
$74/mo
State minimum reqs
50/100/10
No-fault / PIPCredit scoring banned
Credit scoring banned. Michigan's no-fault PIP was reformed in 2020 but remains expensive; unlimited PIP option removed but PIP is still required. High fraud history inflates rates. Adjust age and vehicle below to see your estimated monthly cost.
Michigan
in Michigan with a Sedan
$246/month
Full coverage estimate (100/300/100 + collision + comp). +$38 above national avg
State Min$141/mo50/100/10
Standard$183/mo50/100/50
Full Coverage$246/mo100/300/100
Source: NerdWallet 2026, ValuePenguin 2026, Bankrate 2026
How we calculate thisAverage Monthly Cost by Age in Michigan 2026
| Age | Min Coverage | Full Coverage (Sedan) | Details |
|---|---|---|---|
| 16 | $478 | $836 | Age 16page → |
| 17 | $436 | $763 | Age 17page → |
| 18 | $380 | $664 | Age 18page → |
| 19 | $323 | $566 | Age 19page → |
| 25 | $141 | $246 | Age 25page → |
| 35 | $119 | $209 | Age 35page → |
| 45 | $122 | $214 | Age 45page → |
| 65 | $134 | $234 | Age 65page → |
Average Monthly Cost by Vehicle Type in Michigan
Top 3 Carriers in Michigan by Market Share (NAIC Q1 2026)
1
State Farm
By direct written premium
2
Progressive
By direct written premium
3
Farm Bureau
By direct written premium
Market share data is from NAIC Q1 2026 public filings. Market share does not equal cheapest rate for your profile.
Nearby States by Cost Rank
Michigan Car Insurance FAQs
What is the average car insurance cost per month in Michigan?⌄
The average car insurance cost in Michigan is $246 per month for full coverage (100/300/100 plus collision and comprehensive) as of 2026, per cross-referenced data from NerdWallet, Bankrate, and ValuePenguin. Minimum-coverage-only policies average $74 per month. Michigan ranks #43 of 51 jurisdictions by cost (1 = cheapest, 51 = most expensive).
What is the minimum car insurance required in Michigan?⌄
Michigan requires minimum liability coverage of 50/100/10. Michigan is a no-fault state requiring Personal Injury Protection (PIP) in addition to liability.
Who has the cheapest car insurance in Michigan?⌄
The top three carriers by market share in Michigan are State Farm, Progressive, Farm Bureau, per NAIC Q1 2026 market filings. Market share does not equal cheapest price -- the best rate for your specific profile (age, vehicle, driving record, credit score in states where legal) requires comparing quotes. We recommend comparing at least 3 carriers. carinsurancecomparisontool.com offers a side-by-side carrier comparison.
Does Michigan have no-fault insurance?⌄
Yes. Michigan is a no-fault state, requiring drivers to carry Personal Injury Protection (PIP) coverage. Under no-fault, each driver's own insurance pays their own medical bills after an accident, regardless of fault. Michigan's minimum PIP requirement is part of the 50/100/10 minimum package.
Why is car insurance so expensive in Michigan?⌄
Credit scoring banned. Michigan's no-fault PIP was reformed in 2020 but remains expensive; unlimited PIP option removed but PIP is still required. High fraud history inflates rates.
Is my credit score used for car insurance in Michigan?⌄
No. Michigan explicitly bans the use of credit-based insurance scores in car insurance underwriting. Carriers in Michigan must price based on driving record, age, vehicle, and other non-credit factors.