Car Insurance for Age 56-65 in Michigan

Average auto insurance rates for 56-65 year old drivers in Michigan (MI), including male vs female rate comparison.

Avg Annual Rate

$2,484

$896 above national avg

Male Rate

$2,538/yr

Female Rate

$2,430/yr

Cost Rank

of 51 states

Male vs Female Rates — Age 56-65 in Michigan

Gender	Annual	Monthly	vs Average
Male	$2,538	$212	+$54
Female	$2,430	$203	$-54
Average	$2,484	$207	—

Male drivers aged 56-65 pay $108 more per year in Michigan.

All Age Groups in Michigan

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

Most & Least Expensive States for Age 56-65

Most Expensive

#1	Michigan	$2,484
#2	Louisiana	$2,392
#3	Florida	$2,300
#4	New York	$2,134
#5	Kentucky	$2,024
#6	Colorado	$1,932
#7	Georgia	$1,932
#8	California	$1,904
#9	Nevada	$1,904
#10	Oklahoma	$1,868

Least Expensive

#51	Maine	$828
#50	Vermont	$920
#49	New Hampshire	$966
#48	Idaho	$1,012
#47	Hawaii	$1,168
#46	Wisconsin	$1,178
#45	Ohio	$1,187
#44	North Carolina	$1,242
#43	Iowa	$1,242
#42	North Dakota	$1,251

Michigan Insurance Overview

State Avg Premium

$2,700/yr

Fault System

No-Fault

Uninsured Rate

19.4%

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CarInsurancePeek Editorial TeamInsurance Data Specialists

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.

Sourced from NAIC & State DOIQuarterly reviewNo paid placements

Read our full methodology or contact us with corrections.

Frequently Asked Questions

How much does car insurance cost for age 56-65 in Michigan?

The average annual car insurance premium for 56-65 year olds in Michigan is $2,484 (about $207/month). This is $896 above the national average of $1,588 for this age group.

Do males or females pay more for car insurance at age 56-65 in Michigan?

In Michigan, male drivers aged 56-65 pay more — $2,538/yr for males vs $2,430/yr for females, a difference of $108 per year.

How does Michigan rank for age 56-65 insurance costs?

Michigan ranks #1 out of 51 states for car insurance costs for 56-65 year olds (most expensive first). The cheapest state for this age group is Maine at $828/yr, while Michigan is the most expensive at $2,484/yr.

Why is car insurance more expensive for age 56-65 in Michigan?

Insurance rates for 56-65 year olds in Michigan are influenced by the state's no-fault system, local accident rates (123,947/yr), uninsured driver rate (19.4%), and population density. Michigan has 8,263,139 registered vehicles.

How can 56-65 year olds save on car insurance in Michigan?

56-65 year olds in Michigan can save by: comparing quotes from multiple insurers (Progressive is often the cheapest), maintaining a clean driving record, taking defensive driving courses, bundling policies, and asking about age-specific or good student discounts. Higher deductibles can also lower premiums.

Age 56-65 Rates in Other States

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