$2,456
Avg. Auto Insurance/Year
39% above national avg
$1,345
Avg. Home Insurance/Year
26% below national avg
#4
Cost Ranking (Most Expensive)
50/100/10
Minimum Liability Required
📰 For Journalists & Bloggers:
You may cite this data with attribution to InsureCompare.
Citation: "According to InsureCompare's 2025 State Insurance Rate Report,
the average Michigan driver pays $2,456 annually for car insurance,
which is 39% above the national average."
Source: InsureCompare.com
How Michigan Compares to National Average
Auto Insurance
Michigan: $2,456 vs National: $1,771
Home Insurance
Michigan: $1,345 vs National: $1,820
Michigan Minimum Insurance Requirements
| Coverage Type |
Minimum Required |
Recommended |
| Bodily Injury (per person) |
$50k |
$100k+ |
| Bodily Injury (per accident) |
$100k |
$300k+ |
| Property Damage |
$10k |
$100k+ |
Cheapest Car Insurance Companies in Michigan
| Company |
Avg. Annual Rate |
vs State Avg |
| GEICO |
$2,013 |
-18% |
| USAA (Military) |
$1,842 |
-25% |
| Progressive |
$2,161 |
-12% |
| State Farm |
$2,333 |
-5% |