Michigan car insurance calculator

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If you’re a driver in the Michigan, you probably know the importance of having car insurance that meets the state’s minimum requirement. However, finding the right coverage at an affordable price can be a daunting task. That’s where our Michigan car insurance calculator comes in handy.

Our auto insurance calculator lets you estimate your average annual and monthly car insurance cost in Michigan, based on your vehicle make and model, helping you make informed decisions.

Michigan car insurance calculator

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*It is recommended that you should get full coverage car insurance for vehicles 2020 or newer.

Methodology

Insure.com commissioned Quadrant Information Services to calculate average auto insurance rates for vehicles from 2006 to 2023.

Our hypothetical driver is a 40-year-old male who commutes 12 miles to work each day, with policy limits of 100/300/50 ($100,000 for injury liability for one person, $300,000 for all injuries and $50,000 for property damage in an accident) and a $500 deductible on collision and comprehensive coverage.

Rates for vehicles up until 2023 includes uninsured motorist coverage (since some states require it, we do it for all) and PIP or Medical Payments, if it is required by state law. This hypothetical driver has a clean record and good credit.

For liability 100/300 is rates the same hypothetical driver but with liability limits of 100/300/50, uninsured/underinsured motorist in matching amounts and PIP or MedPay, if required by state. We recommend limits this high, even if you have only liability coverage. A state-minimum policy includes only the basic state liability limits and any other state-required coverages, such as uninsured motorist or PIP.

Averages were calculated using data from six large carriers, such as Allstate, Farmers, GEICO, Nationwide, Progressive and State Farm. Rates were averaged across multiple ZIP codes and insurance companies. Average rates are for comparative purposes; your rate will depend on your personal factors.

How much is vehicle model important in calculating car insurance in Michigan

In Michigan, the make and model of a vehicle can significantly impact car insurance rates. Insurers consider various factors, including a vehicle’s make and model, when determining premiums.

For instance, the car insurance rate for a 2022 Acura ILX 2.4L is $2,261 a year for a full coverage policy, whereas average insurance premiums in Michigan for a Toyota 4Runner Limited is $2,075 annually – that’s $186 less compared to Acura ILX 2.4L.

How insurers calculate car insurance in Michigan using car model year

In Michigan and many other places, a car’s model year can influence how much you pay for car insurance. For example, someone with a 2021 Chevrolet Blazer 2LT pays around $2,541 a year for insurance, whereas the car insurance rate for a 2022 Chevrolet Blazer 2LT is $2,189 per year.

Does the cost of car insurance in Michigan decrease as a vehicle gets older?

Usually, in Michigan, car insurance becomes cheaper for older car models. As a car gets older, its value goes down because of depreciation. Because car insurance is meant to cover the repair or replacement costs, the insurance company’s responsibility decreases with an older vehicle. This leads to lower car insurance premiums in Michigan.

People driving a 2020 Honda Accord LX in Michigan usually pay $261 per month for full coverage car insurance. On the other hand, car insurance for the 2022 Honda Accord LX costs $183 each month in Michigan, which is $78 less than the 2020 model.

Older vehicles might not be as tempting to thieves as newer ones with fancy security features. The lower risk of theft can also mean lower insurance costs.

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Auto insurance premiums vary significantly from city to city, so drivers need to be sure they’re getting the best deal. Insure.com has done the research for you. Get more information on auto insurance rates by city below.

Car insurance rates in Michigan by city

Car insurance cost estimate in Michigan

The average premium for car insurance in Michigan is $2,133 per year or $178 per month, though your specific premium may vary based on the coverage level you choose. Here is an estimate of car insurance costs in Michigan for different coverage levels.

50/100/50 Liability Only	Full Coverage	Non-Owner State Minimum Liability Only	State Minimum Liability Only
$755	$2,133	$574	$711

The bottom line: Michigan car insurance calculator

The car insurance calculator for Michigan calculates your rates using details like where you live and the year, make, and model of your vehicle. Simply input your information, and the calculator will give you estimated quotes. Keep in mind that rates can differ, so it’s a good idea to get quotes from different insurers to find the best deal that suits your needs.