Average insurance rates across 137 cities in Michigan
| City | Population | Home /yr | Auto /yr | Health | Renters |
|---|---|---|---|---|---|
| Detroit | 3,725,908 | $1,748 | $2,714 | $484/mo | $17/mo |
| Lansing | 322,561 | $1,748 | $2,714 | $484/mo | $17/mo |
| Ann Arbor | 308,983 | $1,748 | $2,714 | $484/mo | $17/mo |
| Flint | 293,893 | $1,748 | $2,714 | $484/mo | $17/mo |
| Kalamazoo | 200,838 | $1,748 | $2,714 | $484/mo | $17/mo |
| Grand Rapids | 198,917 | $1,710 | $2,655 | $483/mo | $17/mo |
| Muskegon | 166,847 | $1,748 | $2,714 | $484/mo | $17/mo |
| South Lyon | 152,132 | $1,748 | $2,714 | $484/mo | $17/mo |
| Warren | 139,387 | $1,748 | $2,714 | $484/mo | $17/mo |
| Sterling Heights | 134,346 | $1,786 | $2,773 | $486/mo | $18/mo |
| Saginaw | 115,442 | $1,748 | $2,714 | $484/mo | $17/mo |
| Dearborn | 108,414 | $1,748 | $2,714 | $484/mo | $17/mo |
| Holland | 105,134 | $1,748 | $2,714 | $484/mo | $17/mo |
| Livonia | 94,928 | $1,748 | $2,714 | $484/mo | $17/mo |
| Troy | 87,170 | $1,748 | $2,714 | $484/mo | $17/mo |
Michigan residents pay an average of $1,900 per year for home insurance and $2,950 for auto insurance. As a no-fault state, Michigan requires Personal Injury Protection (PIP) in addition to standard liability coverage. The minimum auto liability coverage required is 50/100/10.
Health insurance in Michigan averages $490 per month for an individual Silver marketplace plan. The weather risk level is medium, with moderate natural disaster risk. Top insurance providers in Michigan include State Farm, Progressive, Auto-Owners.
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Policygenius The ZebraThe average home insurance cost in Michigan is $1,900 per year. Rates range from $1,200 to $2,700 depending on home value, location, and coverage level.
Auto insurance in Michigan averages $2,950 per year for full coverage. The state minimum coverage is 50/100/10. As a no-fault state, PIP coverage is also required.
Yes, Michigan has above-average insurance costs, with home insurance at $1,900/yr and auto at $2,950/yr compared to national averages of $2,300 and $1,800 respectively.
Michigan requires minimum liability coverage of 50/100/10 (bodily injury per person / per accident / property damage in thousands). It is a no-fault state requiring PIP coverage.
Last updated: March 2026. Insurance cost estimates are averages for informational purposes.