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What is the average car insurance rate in Michigan?

According to the National Association of Insurance Commissioners (NAIC), the average annual car insurance premium in Michigan was $2,718 for full coverage auto insurance and $801 for liability only for 2023. This makes Michigan the most expensive state in the country for car insurance premiums.

There are a number of factors that contribute to Michigan's high cost of car insurance, including the state's no-fault auto insurance system, which requires drivers to carry personal injury protection (PIP) insurance. Michigan also has a high rate of uninsured and underinsured motorists, making it more risky for insurers to do business in the state. The National Association of Insurance Commissioners website has up-to-date national statistics and a comparison tool by state