Michigan Auto Insurance Calculator 2026
Estimate your auto insurance premium in Michigan (MI). Michigan rates are 45% above the national average. Enter your details below for a personalized estimate.
Driver Profile
Ages 16-100
Coverage & Vehicle
Average is ~12,000 miles/year
Fill in your details to see your estimated auto insurance premium
Michigan Auto Insurance Overview
Michigan drivers pay approximately 45% more than the national average for auto insurance. The state premium factor is 1.45x relative to the national baseline.
Michigan Minimum Coverage Requirements
Michigan requires minimum liability coverage of 50/100/10 ($50,000/$100,000 bodily injury, $10,000 property damage).
Michigan requires Personal Injury Protection (PIP) with a minimum of $50,000.
Note: No-fault state; PIP required with choice of coverage level; highest premiums nationally
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