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Auto insurance rates, minimum coverage requirements, and driver statistics for Michigan (MI).
Avg Annual Premium
$2,700
$974 above national avg
Cost Rank
#1
of 51 (most expensive first)
Fault System
No-Fault
Tort-based
Uninsured Rate
19.4%
of drivers
Min Liability
$890/yr
Legal minimum
Average Premium
$2,700/yr
State average
Full Coverage
$2,700/yr
Comprehensive + Collision
Michigan requires:
50/100 / 10 liability
| Age Group | Average | Male | Female |
|---|---|---|---|
| 16-19 | $7,290 | $8,235 | $6,345 |
| 20-25 | $4,860 | $5,400 | $4,320 |
| 26-35 | $2,970 | $3,105 | $2,835 |
| 36-45 | $2,700 | $2,754 | $2,646 |
| 46-55 | $2,565 | $2,619 | $2,511 |
| 56-65 | $2,484 | $2,538 | $2,430 |
| 65+ | $2,835 | $2,916 | $2,754 |
Rates shown are annual averages for each age group in Michigan. Individual rates vary based on driving record, credit, and vehicle.
| Metric | Michigan | National Avg |
|---|---|---|
| Average Annual Premium | $2,700 | $1,726 |
| Uninsured Rate | 19.4% | 11.1% |
| Registered Vehicles | 8,263,139 | 5,330,804 |
| Accidents per Year | 123,947 | 79,962 |
Population
10,077,000
Registered Vehicles
8,263,139
Accidents per Year
123,947
Vehicles per Capita
0.82
The CarInsurancePeek editorial team aggregates and verifies car insurance rate data from NAIC & State DOI. Every statistic is cross-referenced against official state DOI filings before publication, with quarterly re-verification cycles.
Read our full methodology or contact us with corrections.