McKayla Girardin, Car Insurance Writer
@mckayla_girardin
Full coverage insurance in Michigan costs $283 per month, or $3,397 per year, on average. This is more expensive than the national average cost of full coverage, which is $2,117 per year.
Cheapest Full Coverage Car Insurance in Michigan
| Company | Average Yearly Cost | Average Monthly Cost |
| $1,242 per year | $104 per month | |
| $1,380 per year | $115 per month | |
| $1,544 per year | $129 per month | |
| $1,761 per year | $147 per month | |
| $1,878 per year | $157 per month |
Note: Premiums are average rates for a good driver in Michigan; individual premiums will vary.
A full coverage policy usually includes collision and comprehensive insurance, plus the types of coverage required by Michigan law. In Michigan, liability insurance, personal injury protection, and property protection insurance are mandatory for all drivers.
How to Get Cheaper Full Coverage Insurance in Michigan
- Compare quotes from at least three different companies to make sure you're getting the best deal.
- Increase your deductible. Higher deductibles lead to lower premiums, but remember to only pick a deductible you'd be able to afford in an emergency.
- Make sure you're getting all the discounts you can qualify for.
- Sign up for usage-based insurance. Some insurance companies use either a plug-in device or a smartphone app to track you driving and will give you a discount for driving safely.
To learn more, check out WalletHub's guides to full coverage car insurance and the cheapest car insurance in Michigan.
People also ask
How much is car insurance in Michigan per month?
Car insurance in Michigan costs $108 per month or $1,300 per year for minimum coverage, on average. The cheapest car insurance companies in Michigan are Travelers, Secura, and Wolverine, and getting quotes from several companies can help you find the best deal.
The average cost of car insurance in Michigan is 96% higher than the national average auto insurance premium. There are several factors that affect how much you'll pay for car insurance in Michigan, including...
read full answer by Candace Baker, Car Insurance WriterHow much is full coverage insurance?
Full coverage insurance costs $1,997 per year or $166 per month, on average. Full coverage car insurance is more expensive than the legal minimum auto insurance coverage because full coverage usually includes collision and comprehensive insurance as well as the minimum coverage required by a state.
The cost of full coverage car insurance varies based on the state, the driver’s chosen coverage limits, the driver’s risk factors, and the vehicle’s value. Additionally, comprehensive and...
read full answer by WalletHub, Financial CompanyWhat is full coverage insurance in Michigan?
Full coverage insurance in Michigan is usually defined as a policy that provides collision and comprehensive insurance plus at least the state’s minimum required coverage: $50,000 in bodily injury coverage per person (up to $100,000 per accident) and $10,000 in property damage coverage. Full coverage in Michigan also includes personal injury protection and property protection insurance.
The average cost of a full coverage car insurance policy in Michigan is $3,397 per year. On the other hand, a state-minimum policy...
read full answer by Anamarie Waite, Car Insurance WriterDid we answer your question?
Important Disclosures
Ad Disclosure: Certain offers that appear on this site originate from paying advertisers. For full transparency, here is a list of our current advertisers.
Advertising impacts how and where offers appear on this site (including, for example, the order in which they appear and their prevalence). At WalletHub we try to present a wide array of offers, but our offers do not represent all financial services companies or products.
Advertising enables WalletHub to provide you proprietary tools, services, and content at no charge. Advertising does not impact WalletHub's editorial content including our best picks, reviews, ratings and opinions. Those are completely independent and not provided, commissioned, or endorsed by any company, as our editors follow a strict editorial policy.