Home Renters insurance Renters insurance cost How much is renters insurance in Michigan How much is renters insurance in Michigan Discover the average cost of renters insurance in Michigan and how factors like location and coverage levels can impact your rate. View Carriers Please enter valid zip Compare top carriers in your area Written by Shivani Gite Shivani Gite Shivani Gite is a personal finance and insurance writer with a degree in journalism and mass communication. She is passionate about making insurance topics easy to understand for people and helping them make better financial decisions. | Reviewed by Nupur Gambhir Nupur Gambhir Nupur Gambhir is an insurance expert and managing editor of Insure.com. She specializes in life and health insurance content, and has experience as a marketing consultant. | Updated on: January 16, 2025 Why you can trust Insure.com Quality Verified At Insure.com, we are committed to providing the timely, accurate and expert information consumers need to make smart insurance decisions. All our content is written and reviewed by industry professionals and insurance experts. Our team carefully vets our rate data to ensure we only provide reliable and up-to-date insurance pricing. We follow the highest editorial standards. Our content is based solely on objective research and data gathering. We maintain strict editorial independence to ensure unbiased coverage of the insurance industry. Renters insurance costs in Michigan vary depending on various factors, including the coverage amount, insurance company and individual circumstances. The average cost of renters insurance in Michigan is $340 per year or $28 per month for a coverage limit of $40,000 for personal property coverage, $300,000 in liability coverage and a $1000 deductible. These are average rates, and actual premiums may differ. Key Takeaways The average cost of renters insurance in Michigan is $340 per year or $28 per month.Auto-Owners provides the least expensive renters insurance in Michigan at an average rate of $36 annually.Renters insurance rates can vary significantly among insurance companies. Compare quotes to find the best deal on renters insurance in Michigan. Average renters insurance cost in Michigan per monthThe average cost of renters insurance in Michigan is $28 per month. Your premium may vary depending on your location, the value of your belongings, and the coverage limits you select. It’s recommended that you compare multiple insurance quotes to find the best price.Average renters ins cost per monthDifference compared to national average$28$6 moreAverage renters insurance cost in Michigan by companyRenters in Michigan can find the most budget-friendly insurance with Auto-Owners, which has an average annual cost of $36, according to our data. Other affordable options include Frankenmuth Insurance and Automobile Club MI (AAA).It’s a good idea to gather quotes from at least three insurance providers, as each company calculates premiums differently.Below are the average annual and monthly renters insurance rates from various insurers in Michigan.CompanyAverage annual rateAverage monthly rateAuto-Owners$36$3Frankenmuth Insurance$164$14Automobile Club MI (AAA)$195$16Progressive$209$17State Farm$229$19Farmers$384$32The Hanover$610$51Michigan Farm Bureau$1,410$117USAA$157$13 Renters insurance calculator in Michigan Select your state Michigan Alabama Alaska Arizona Arkansas California Colorado Connecticut Delaware Washington, D.C. Florida Georgia Hawaii Idaho Illinois Indiana Iowa Kansas Kentucky Louisiana Maine Maryland Massachusetts Michigan Minnesota Mississippi Missouri Montana Nebraska Nevada New Hampshire New Jersey New Mexico New York North Carolina North Dakota Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Vermont Virginia Washington West Virginia Wisconsin Wyoming Personal property coverage Covers your personal belongings, such as your furniture, electronics, clothing, artwork, etc. Choose the amount you believe would cover all of your belongings. $40,000 $20,000 $40,000 $60,000 Liability Covers the medical expenses of people who are hurt while in your home or on your property, as well as damage you caused to others’ property. Also covers legal fees if you are sued by someone hurt in your home or on your property. Limits of $300,000 or $500,000 are recommended. $300,000 $100,000 $300,000 Deductible Choose the amount you want to pay out-of-pocket before insurance kicks in. This applies to your dwelling and personal belongings claims. $1,000 $500 $1,000 Calculate $323/year Estimated renters insurance rates in Michigan $27 Monthly renters insurance cost in Michigan 31% Compared to national average Get quotes Average cost of renters insurance in Michigan by coverage levelAs we discussed above, the average cost of renters insurance in Michigan is $340 per year. These rates are for a coverage level of $40,000 for personal property coverage, $300,000 in liability coverage and a $1000 deductible.However, if you lower the personal property coverage from $40,000 to $20,000, you will pay $247 per year for renters insurance in Michigan, which provides $300,000 in liability protection with a $1000 deductible.Below are the average renters insurance costs in Michigan for personal property coverage amounts of $20,000 and $40,000.Coverage levelAverage annual renters insurance rateAverage monthly renters insurance rate$20,000 with $500 Deductible and $100,000 Liability$254$21$20,000 with $500 Deductible and $300,000 Liability$271$23$20,000 with $1,000 Deductible and $100,000 Liability$230$19$20,000 with $1,000 Deductible and $300,000 Liability$247$21$40,000 with $500 Deductible and $100,000 Liability$352$29$40,000 with $500 Deductible and $300,000 Liability$370$31$40,000 with $1,000 Deductible and $100,000 Liability$323$27$40,000 with $1,000 Deductible and $300,000 Liability$340$28$60,000 with $500 Deductible and $100,000 Liability$449$37$60,000 with $500 Deductible and $300,000 Liability$467$39$60,000 with $1,000 Deductible and $100,000 Liability$415$35$60,000 with $1,000 Deductible and $300,000 Liability$433$36Average cost of renters insurance in Michigan by cityRenters insurance rates can vary widely between cities. To make finding the right policy easier, we’ve broken down the costs by city. Discover how much renters insurance typically costs in different areas of Michigan.Renters insurance rates vary from one city to another. But with Insure.com, finding the right renters insurance policy is easy. Learn more about renters insurance costs for different cities below. Renters insurance rates in Michigan by cityAnn ArborDetroitGrand RapidsSterling HeightsWarrenAverage cost of renters insurance in Michigan by ZIP codeThe cost of renters insurance in Michigan varies by ZIP code. It’s important to note that the affordability of renters insurance can differ significantly depending on your location.To provide a more comprehensive overview, let’s see some of the most and least affordable ZIP codes for renters insurance in Michigan.Most affordable ZIP codes for renters insurance in MichiganIn Michigan, your ZIP code plays a major role in determining your premiums. Based on our data, 49876 is the most affordable ZIP code for renters insurance, with an average annual cost of $282.Comparing quotes from multiple insurers in Michigan is a smart way to find the best renters insurance rates for your ZIP code.ZIP codeCityAverage annual rateAverage monthly rate49876Quinnesec$282$2349801Iron Mountain$287$2449802Kingsford$287$2448109Ann Arbor$288$2449858Menominee$288$2448104Ann Arbor$288$2449877Ralph$288$2449892Vulcan$289$2449870Norway$289$2449863Nadeau$290$24Least affordable ZIP codes for renters insurance in MichiganAmong the ZIP codes analyzed by Insure.com, the least affordable ZIP code for renters insurance in Michigan is 48213, with an average cost of $732 a year or $61 monthly.We analyzed quotes from multiple insurance providers across every ZIP code in Michigan. Below, you’l find the average annual renters insurance premiums broken down by ZIP code.ZIP codeCityAverage annual rateAverage monthly rate48213Detroit$732$61Final thoughts: Average renters insurance in MichiganRenters insurance is a must-have for renters in Michigan. It protects your belongings in the event of damage from fire, theft, vandalism or any other natural disasters.To find the best renters insurance at an affordable rate, shop around and compare quotes from multiple insurance companies. In addition to price, consider factors like coverage options, deductibles and customer reviews.How much is renters insurance in other statesAlaska$257/YearAlabama$324/YearArkansas$363/YearArizona$260/YearCalifornia$271/YearColorado$191/YearConnecticut$292/YearDelaware$181/YearFlorida$248/YearGeorgia$352/YearHawaii$247/YearIowa$203/YearIdaho$184/YearIllinois$246/YearIndiana$269/YearKansas$251/YearKentucky$207/YearLouisiana$504/YearMassachusetts$262/YearMaryland$256/YearMaine$198/YearMinnesota$211/YearMissouri$231/YearMississippi$387/YearMontana$275/YearNorth Carolina$366/YearNorth Dakota$192/YearNebraska$295/YearNew Hampshire$173/YearNew Jersey$207/YearNew Mexico$201/YearNevada$246/YearNew York$293/YearOhio$252/YearOklahoma$281/YearOregon$288/YearPennsylvania$274/YearRhode Island$476/YearSouth Carolina$294/YearSouth Dakota$202/YearTennessee$290/YearTexas$226/YearUtah$204/YearVirginia$235/YearVermont$182/YearWashington$222/YearWisconsin$167/YearWest Virginia$248/YearWyoming$136/YearShow more Explore other insurance options in Michigan Average homeowners insurance cost in Michigan Average car insurance cost in Michigan Non-owner auto insurance in Michigan Shivani GiteContributing Writer | . .Shivani Gite is a personal finance and insurance writer with a degree in journalism and mass communication. She is passionate about making insurance topics easy to understand for people and helping them make better financial decisions. In case you missed it What is condo (HO-6) insurance and how much does it cost? Average homeowners insurance cost by ZIP code in 2025 What is dwelling coverage and how much do you need? Personal liability insurance: What it is and why you need it Hurricanes and home insurance: How hurricane insurance works How replacement cost coverage works when you file a claim How much do claims increase home insurance rates? Mobile home insurance cost and coverage in 2025 Homeowners insurance basics Home Insurance Advisor Cheapest homeowners insurance in 2025 How much flood insurance do I need? How to bundle home and auto insurance policies to save money The largest home insurance companies by market share Home insurance discounts for cheaper rates How much does dog liability insurance cost and do you need it? Do you have an emergency go-bag? 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