McKayla Girardin, Car Insurance Writer
@mckayla_girardin
Car insurance for a new driver in Michigan costs an average of $1,625 per year to $4,704 per year. Auto insurance premiums for new drivers in Michigan vary widely depending on a driver's age and whether they are being added to an existing policy or purchasing their own. For example, the premium increase from adding a teenager to a parent's policy is significantly less than the cost of a teenager getting their own policy.
Average Cost of Car Insurance for New Drivers in Michigan
Company | Monthly Cost | Annual Cost |
$68 per month | $813 per year | |
$76 per month | $912 per year | |
$87 per month | $1,046 per year | |
$95 per month | $1,145 per year | |
$100 per month | $1,203 per year |
Note: Premiums are representative of a 16-year-old good driver with a minimum coverage policy; individual premiums will vary.
New drivers aren't only teens and those in their early 20's. A new driver could be an adult who got their license later in life, a recent immigrant, or anyone who has a long gap in their driving or insurance history. For these types of new drivers in Michigan, insurance rates will still likely be higher than the average of $108 per month per month for an experienced adult.
A new driver's lack of experience can classify them as high risk. Once new drivers get a bit more practice and have a proven track record of safe driving, however, they'll begin to see their rates decrease.
To learn more about minimizing the cost of car insurance in Michigan, check out WalletHub's picks for the cheapest Michigan car insurance companies.
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Car insurance costs an average of $2,317 per year for a new driver who gets their own minimum coverage policy. The exact cost of a policy will depend on several factors including age, location, driving record and coverage limits.
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