Eric Stauffer is a former insurance agent and banker turned consumer advocate. His priority is to help educate individuals and families about the different types of insurance they need, and assist them in finding the best place to get it.

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UPDATED: Jul 23, 2020

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Michigan Statistics SummaryDetails
Road MilesTotal Miles: 122,284
Vehicle Miles Driven: 97.8 Million
VehiclesRegistered: 7.86 Million
Total Stolen: 21,157
State Population9.96 Million
Most Popular VehicleFord Escape
Uninsured Motorists20.3%
State Rank: 4th
Total Driving Fatalities2008-2017
Speeding: 2,397
Drunk Driving: 2,562
Annual Average PremiumsCollision: $414
Comprehensive: $155
Liability: $795
Cheapest ProvidersProgressive & USAA
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In the midwest of the United States surrounded by the Great Lakes sits the pure state of Michigan. A state prided on its American past of Henry Ford and the industrial revolution.

With almost 10 million people now residing in Michigan, it has changed drastically since the days of Henry Ford. The sense of pride remains in the blood of every person, though.

One of the 10 most populous states in the U.S., Michigan is the only state to consist of two peninsulas. It is also home to the longest freshwater coastline in the entire world.

At a median age of almost 40 years old Michigan is considered an elderly state as far as people go. Coming in at an average annual income of 54,900, the state is right around the national average. Unfortunately, Next, to Chicago, Detroit is one of the most crime-stricken cities in the nation.

On a positive note, although Michigan’s auto insurance may be confusing, this article will help you with every facet of shopping, and buying the best insurance for you.

Instead of spending hours searching different sites and different ads all claiming to be the best for you; within the article, you’ll find a plethora of data for your information, links to help you understand, and clarifications of rates, coverages, and laws. By the offset, you will be prepared to buy your auto insurance in Michigan.

If you’re ready to buy insurance, start comparing with our FREE tool above.

Table of Contents

Michigan Car Insurance Coverage and Rates

Michigan consistently ranks as one of the most expensive states for auto insurance, taking the number one spot for the fourth year in a row in 2017. The average annual rates in Michigan are about a thousand dollars more than the national average, which makes finding consistently affordable insurance an enormous challenge.

There are many different complicated reasons why Michigan is so unaffordable when it comes to car insurance, but the basics are as follows:

First, the state has a no-fault coverage law. This means that when it comes to an accident, no matter who is at fault, insurance provides personal injury protection with no maximum limit for any injuries that occur.

Instead of whoever is at fault paying for everything; drivers have insurance to cover their injuries and damage rather than insuring to pay out to the other person.

Secondly, Michigan has an extremely high rate of insurance fraud compared to other states. This leads companies to drive those prices up.

Finally, because the prices are so gouged, there is an unusually high number of uninsured motorists on the road. According to III, 20.3 percent of drivers in Michigan are uninsured.

This recipe is a complete disaster, but we’re here to do the dirty work and give you some help on figuring it all out.

Michigan Minimum Coverage

Michigan is a no-fault car insurance state, as mentioned previously. If you’re injured in an accident, you’ll need to be sure your own insurance coverage is appropriate to get compensation for your medical bills and other out-of-pocket expenses.

Drivers in the state are required to purchase no-fault insurance with the following minimum limits:

  • $20,000 per person hurt or killed in an accident
  • $40,000 per accident in which more than one person is hurt or killed, and
  • $10,000 per accident for property damage for an accident that occurs in another state.

Also, residents must have residual liability insurance to protect from the limited situations in which the no-fault system does not apply. These situations include accidents causing death or serious injuries, out-of-state accidents, or accidents involving damage to a resident of another state.

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Forms of Financial Responsibility

Financial responsibility rules and regulations refer to drivers being required to show some sort of proof of insurance. When this becomes tricky is when drivers are found uninsured. To avoid the uninsured driver from receiving no justice, different laws require them to be responsible for some if not all expenses.

With the no-fault coverage being required and the prices of insurance being so high, Michigan is notorious for its uninsured motorists.

If a person is operating a vehicle without insurance and is at-fault in an accident, the injured person can file a lawsuit against the uninsured motorist in court to sue for damages.

Electronic proof of insurance is now becoming popular. If you’re interested, Michigan does allow electronic forms of insurance to be accepted by officials.

Premiums as a Percentage of Income

Michigan is known for its high costs of auto insurance as we’ve covered. But how much of your annual income is spent on that expensive insurance?

YEARAVERAGE DISPOSABLE INCOMEAVERAGE FULL COVERAGE RATESPREMIUM AS PERCENTAGE OF INCOME
2012$34,727.00$1,171.943.37%
2013$34,854.00$1,264.203.63%
2014$36,419.00$1,350.583.71%
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In the entire U.S. Michigan paid the most percentage of their income to their insurance policies than any other state between 2012 and 2014. In 2014, 3.71 percent of the average annual income went to auto insurance. That number is outrageous and continues to grow higher each year. It is well above the national average, which is 2.4 percent.

Overall, if you live in Michigan or you’re thinking of moving, the consensus is you will be paying a lot for auto insurance.

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Average Monthly Car Insurance Rates in MI (Liability, Collision, Comprehensive)

Coverage TypeAverage Cost in Michigan (2015)Average Cost Nationwide (2015)
Liability$795.32$538.73
Collision$413.83$322.61
Comprehensive$154.85$148.04
Total (Full Coverage)$1364.00$1,009.38
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Core coverage includes the parts of your policy coverage that is considered full coverage. These three parts are a liability, collision, and comprehensive. Combined, the three make up full coverage auto insurance.

Above is the average costs of the three separate parts and full coverage in Michigan and the entire nation. This information is gathered based on data from the National Association of Insurance Commissioners (NAIC).

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Liability and collision insurance are so high in Michigan that they make up most of the overall cost. The overall averages are only around $155 which is right around the average of the nation.

Additional Liability

There are different types of additional liability coverages. Personal injury protection or PIP is probably the most important. In Michigan, drivers are responsible for paying medical coverage up to $500,000. Michigan auto insurance policies have different levels of PIP available for your convenience.

Coverage TypeMichigan Loss Ratio (2015)National Average Loss Ratio (2015)
Personal Injury Protection112.0685.76
Medical Payments75.6875.74
Uninsured/Underinsured Motorist75.1975.14
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Loss ratios aren’t a well-known factor among insurance buyers, but if you know the facts, they can be pretty important.

A loss ratio that’s too high means that insurance companies are paying out too much in claims – if the rate climbs over 100 percent they are paying out more than they’re taking in. If the company’s loss ratio is too low, it means they aren’t paying out any claims.

Both of these are important to you knowing the inner workings of the auto insurance company you choose.

Add-ons, Endorsements, and Riders

There are many different types of extra insurance coverage that you can add to your core coverage in Michigan. These are meant to help you ease your mind on the road.

Average Car Insurance Rates by Age & Gender in MI

CompanyMarried 35-year old female annual ratesMarried 35-year old male annual ratesMarried 60-year old female annual ratesMarried 60-year old male annual ratesSingle 17-year old female annual ratesSingle 17-year old male annual ratesSingle 25-year old female annual ratesSingle 25-year old male annual rates
Allstate$16,754.82$16,754.82$15,575.00$15,575.00$41,309.06$41,309.06$17,646.81$17,646.81
Farmers$6,307.90$6,307.90$5,856.52$5,856.52$13,831.87$13,831.87$7,104.64$7,104.64
Geico$4,453.35$4,453.35$4,533.10$4,533.10$12,291.51$12,291.51$4,252.21$4,252.21
Liberty Mutual$14,880.96$14,880.96$14,732.64$14,732.64$35,157.81$35,157.81$14,880.96$14,880.96
Nationwide$4,477.30$4,477.30$3,979.03$3,979.03$11,785.55$11,785.55$4,907.85$4,907.85
Progressive$3,156.54$2,932.15$2,785.12$3,113.99$11,516.82$12,259.07$3,676.55$3,393.23
State Farm$7,556.15$7,556.15$7,010.11$7,010.11$26,491.15$26,491.15$8,869.85$8,869.85
Travelers$5,839.83$5,839.83$5,012.52$5,012.52$17,631.16$17,631.16$6,344.88$6,344.88
USAA$2,649.82$2,508.37$2,491.74$2,352.36$6,472.15$6,145.20$3,229.01$3,095.85
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Until August 1st, 2019, in almost every situation, women paid less than men did on auto insurance. It has now been outlawed to base rates by gender in Michigan. While it is outlawed and averages will all be the same no matter your gender;

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Women are notoriously better drivers than men are and the statistics show. Also, women make much less money in their average annual income than men do. This is why insurance companies charged less to women in the first place.

Both genders below the age of 25 pay the most for car insurance. The facts on teen driving are skewed towards unsafe. The teenage age bracket speeds the most and gets caught in the most accidents. This is based on a simple lack of experience on the road.

In Michigan, auto insurance rates are enormous. For 17-year-olds, the average rate for Allstate is $41,309. This is $25,000 more a year than the next age bracket at 25 years old.

Cheapest Rates By Zip Code

Rates by zip code are a great statistic to discover the best places to buy auto insurance. Many different factors go into why each zip code is more or less expensive than the other.

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Insurance companies look at the poverty line in each zip code, the amount of theft and vehicle theft, and the number of uninsured motorists are the top factors in determining rates in each zip code.

ZipcodeAnnual Average
48201$30,350.09
48206$29,791.56
48227$29,374.46
48204$29,281.79
48202$28,946.15
48213$28,556.49
48210$28,417.19
48215$28,186.14
48238$28,148.98
48228$28,073.11
48216$28,040.22
48211$28,033.06
48205$27,952.29
48208$27,867.09
48226$27,767.57
48207$27,424.94
48212$26,925.66
48203$26,923.65
48224$26,758.51
48214$26,730.26
48209$26,710.78
48126$26,665.38
48234$26,566.42
48235$26,516.64
48223$26,031.27
48221$25,949.25
48219$25,711.89
48243$25,321.49
48120$25,271.87
48233$23,804.13
48217$22,744.30
48218$19,405.58
48225$19,225.22
48237$18,716.04
48075$18,279.98
48229$18,154.01
48089$17,832.12
48033$17,608.63
48034$17,435.93
48127$17,372.65
48503$17,141.70
48239$17,118.82
48505$16,992.77
48502$16,992.10
48504$16,991.84
48141$16,984.97
48091$16,810.09
48076$16,742.91
48341$16,728.63
48128$16,651.90
48122$16,544.22
48342$16,339.74
48242$16,014.67
48015$15,998.68
48532$15,891.56
48340$15,756.76
48507$15,754.53
48125$15,602.18
48236$15,596.70
48021$15,452.65
48458$15,267.00
48124$15,094.25
48030$14,956.77
48506$14,643.00
48193$14,530.95
48101$14,529.34
48437$14,524.70
48310$14,315.55
48092$14,312.59
48240$14,307.94
48146$14,234.31
48174$14,173.50
48195$14,149.43
48192$14,043.40
48230$14,026.37
48066$13,991.39
48180$13,914.92
48220$13,868.27
48093$13,797.44
48070$13,700.16
48082$13,583.02
48043$13,565.07
48312$13,552.23
48135$13,518.13
48036$13,464.42
48185$13,463.42
48164$13,393.48
48035$13,378.19
48184$13,349.33
48138$13,348.84
48080$13,326.09
48026$13,284.36
48045$13,262.93
48322$13,066.18
48313$13,011.22
48323$12,938.17
48186$12,894.38
48038$12,801.67
48519$12,735.43
48601$12,734.26
48529$12,727.92
48088$12,650.98
48111$12,605.17
48083$12,598.20
48051$12,557.67
48315$12,556.36
48183$12,535.40
48607$12,508.19
48302$12,503.86
48071$12,475.72
48081$12,453.34
48314$12,384.34
48134$12,355.30
48069$12,322.59
48317$12,273.53
48047$12,237.80
48509$12,168.69
48331$12,127.91
48301$12,123.77
48304$12,088.82
48067$11,979.89
48334$11,960.69
48044$11,842.93
48330$11,784.51
48098$11,759.54
48320$11,751.62
48377$11,691.55
48048$11,668.13
48326$11,641.07
48324$11,608.72
48042$11,602.01
48084$11,599.54
48152$11,578.47
48096$11,542.38
48374$11,510.59
48191$11,498.57
48094$11,491.31
48316$11,475.78
48336$11,468.49
48309$11,453.47
48327$11,438.28
48375$11,397.96
48328$11,369.01
48335$11,334.26
48085$11,270.21
48023$11,250.47
48095$11,244.86
48462$11,206.96
48025$11,197.34
48602$11,191.08
48150$11,189.70
48022$11,157.42
48097$11,147.61
48072$11,136.60
48065$11,129.87
48329$11,111.72
48480$11,103.28
48133$11,061.48
48387$11,046.10
49877$11,042.30
48197$11,032.40
48442$11,027.98
48420$11,011.74
48005$11,011.50
48382$11,009.11
48154$11,001.37
48190$10,982.92
48383$10,980.88
48027$10,965.72
48173$10,961.24
48006$10,925.79
48017$10,915.79
48390$10,907.94
48307$10,897.48
48050$10,889.02
48049$10,884.68
48032$10,872.94
48722$10,868.44
48064$10,832.68
48004$10,810.91
48198$10,790.84
48188$10,790.47
48162$10,780.86
48028$10,755.83
48073$10,750.05
48001$10,745.87
48433$10,735.55
48306$10,733.07
48062$10,714.39
48145$10,714.39
48367$10,670.95
48161$10,669.49
48366$10,667.69
48039$10,660.22
48187$10,660.06
48450$10,659.66
48463$10,658.56
48002$10,647.76
49634$10,640.77
48386$10,639.91
49673$10,636.17
48436$10,599.58
48393$10,595.09
48014$10,591.64
48177$10,589.21
48074$10,581.74
48428$10,573.67
48381$10,571.71
49611$10,565.41
48464$10,563.29
48370$10,558.67
48422$10,535.59
48059$10,534.36
48401$10,522.87
49263$10,521.16
49711$10,511.20
48444$10,508.66
48003$10,506.04
48041$10,493.02
48009$10,491.26
48461$10,489.29
48416$10,487.91
49737$10,485.93
48175$10,481.91
48168$10,473.59
49723$10,466.63
48165$10,463.25
48469$10,459.71
48412$10,449.65
48179$10,447.80
48063$10,446.94
48466$10,442.76
48419$10,433.11
48435$10,403.76
48439$10,397.89
48760$10,385.71
48167$10,378.34
48421$10,356.33
48054$10,355.23
48455$10,347.17
48727$10,326.56
48356$10,313.99
48451$10,303.86
48060$10,296.16
48079$10,291.39
48454$10,287.16
48438$10,284.84
48357$10,275.43
48380$10,257.48
48418$10,212.55
48446$10,211.71
48157$10,207.25
48359$10,199.29
49304$10,194.24
48746$10,193.35
48348$10,193.19
48887$10,181.74
48363$10,173.42
49942$10,169.21
48040$10,167.04
48350$10,164.44
48360$10,153.78
48371$10,153.00
49642$10,141.13
48178$10,139.79
48144$10,129.45
49644$10,116.14
48110$10,108.55
48166$10,102.22
48630$10,100.91
48453$10,090.39
48117$10,080.78
49270$10,078.61
49656$10,065.49
48182$10,059.71
48758$10,047.16
48744$10,047.02
48415$10,042.53
48362$10,041.84
48346$10,036.59
49655$10,035.30
48434$10,031.41
48610$10,030.90
49309$10,029.06
49688$10,023.48
48471$10,010.92
48427$10,008.40
48426$10,007.32
48729$10,005.99
49677$10,001.36
48465$10,000.31
48850$9,991.19
48767$9,988.75
48170$9,986.14
48432$9,981.73
48140$9,978.87
48456$9,976.69
48472$9,975.31
48741$9,970.85
48468$9,966.45
49329$9,962.00
48701$9,961.52
48726$9,957.81
48473$9,956.53
48723$9,955.61
48470$9,955.19
48725$9,952.61
48467$9,952.35
48768$9,950.51
49459$9,942.95
48475$9,941.22
48720$9,936.93
49339$9,936.26
48733$9,927.93
48754$9,927.01
48731$9,924.33
49332$9,921.44
48766$9,919.63
48445$9,914.92
48755$9,914.89
49327$9,913.77
48441$9,912.62
48759$9,912.04
48659$9,902.46
48624$9,899.46
48749$9,895.30
48658$9,892.35
49343$9,891.00
49322$9,886.56
49347$9,884.04
48735$9,877.99
49312$9,872.49
49336$9,870.12
49307$9,867.55
49463$9,863.66
49337$9,855.81
48413$9,855.26
48765$9,846.46
48609$9,839.70
48137$9,837.18
48423$9,834.79
48838$9,828.01
49330$9,824.89
48703$9,822.89
48884$9,816.19
48159$9,812.51
48886$9,806.76
48888$9,803.73
49037$9,801.05
49646$9,794.66
48430$9,773.75
49676$9,770.14
48449$9,760.79
49342$9,760.78
49346$9,753.71
49039$9,744.22
49759$9,741.61
48885$9,737.45
49610$9,734.96
48834$9,732.66
49319$9,727.77
48874$9,722.74
49797$9,722.04
48924$9,719.55
49074$9,713.93
49689$9,710.64
49612$9,709.76
48870$9,709.71
48654$9,704.40
49626$9,700.51
48915$9,698.64
48865$9,697.20
49674$9,681.65
49761$9,673.87
49625$9,671.56
48818$9,668.99
48661$9,655.31
49865$9,650.79
49628$9,648.44
48739$9,643.86
49410$9,635.52
48812$9,630.39
49733$9,629.81
49683$9,628.87
48852$9,624.54
49310$9,618.28
48829$9,615.96
48708$9,615.42
49627$9,614.13
48613$9,611.53
48756$9,606.33
48748$9,604.14
49659$9,603.78
49633$9,602.81
49751$9,600.26
49717$9,598.33
49617$9,598.17
49507$9,598.11
49705$9,596.95
49799$9,596.83
49765$9,594.98
49035$9,587.40
49668$9,587.21
49792$9,584.02
48652$9,583.91
48131$9,583.50
49402$9,579.92
48770$9,576.64
48732$9,569.73
49345$9,569.11
49411$9,566.68
49622$9,564.41
48845$9,562.17
49795$9,559.64
49638$9,558.12
48763$9,555.39
49749$9,552.11
49645$9,543.77
49791$9,543.68
48635$9,539.86
49615$9,539.44
49706$9,538.08
49618$9,537.77
49058$9,533.09
49259$9,531.40
49415$9,531.34
49648$9,526.98
48353$9,514.86
48457$9,511.83
49454$9,511.51
48811$9,510.91
48622$9,507.37
49690$9,507.18
49629$9,504.20
48730$9,504.02
49458$9,503.56
49349$9,499.33
49782$9,497.41
48632$9,496.59
49735$9,491.33
49326$9,491.29
49738$9,491.13
49713$9,488.54
49727$9,486.56
49639$9,482.25
49796$9,479.93
48757$9,479.86
49405$9,478.88
48855$9,476.69
49679$9,476.49
48625$9,475.98
48933$9,473.05
49651$9,466.01
49721$9,464.90
49764$9,463.53
49440$9,458.80
49769$9,458.29
49431$9,457.65
48891$9,453.47
49730$9,452.96
49305$9,451.62
49701$9,451.10
49451$9,450.70
49755$9,448.53
49623$9,440.39
49729$9,436.59
49416$9,434.49
48860$9,433.60
49317$9,426.27
49442$9,426.10
49045$9,423.10
49720$9,422.85
49046$9,421.92
49285$9,419.85
49272$9,417.60
49503$9,417.17
49878$9,415.28
49896$9,414.98
48633$9,410.94
49267$9,407.10
48617$9,406.57
49740$9,405.96
48882$9,405.75
49812$9,400.09
48160$9,398.45
48634$9,397.80
48612$9,396.64
48143$9,396.50
48846$9,395.35
48604$9,393.47
49303$9,389.42
49718$9,387.92
49712$9,387.69
48631$9,387.54
49770$9,384.84
48169$9,381.19
49064$9,380.96
49818$9,379.61
49284$9,378.70
49716$9,375.76
49445$9,372.29
49302$9,370.78
49240$9,369.96
49234$9,368.50
49246$9,367.94
49874$9,365.01
49821$9,361.71
49807$9,360.62
49436$9,360.11
48912$9,358.48
49631$9,357.21
49325$9,356.34
48158$9,348.70
49504$9,346.86
49241$9,344.18
49444$9,334.82
49344$9,334.82
49065$9,334.46
49421$9,325.28
49331$9,323.91
48724$9,320.83
49419$9,312.95
49311$9,311.03
49449$9,308.51
49837$9,304.61
49338$9,303.17
49420$9,300.38
49269$9,295.00
49277$9,287.96
49230$9,287.64
49333$9,279.26
49696$9,277.32
48649$9,275.63
49441$9,272.81
49408$9,270.99
49665$9,268.58
49887$9,268.20
49070$9,267.63
49829$9,265.43
48130$9,264.62
48809$9,264.29
49237$9,256.66
49848$9,253.87
48429$9,250.65
49886$9,249.66
49726$9,248.97
48872$9,248.84
49452$9,248.65
49601$9,247.84
48851$9,246.72
49318$9,246.48
49880$9,243.95
49892$9,241.91
48747$9,240.23
48655$9,239.11
48476$9,238.77
49847$9,234.23
48892$9,232.68
49446$9,232.58
48849$9,230.72
49852$9,230.08
49873$9,229.95
49863$9,229.80
48815$9,226.62
49320$9,222.99
49894$9,221.24
49872$9,220.44
48881$9,220.09
49067$9,219.55
48836$9,219.15
49950$9,216.77
49685$9,215.44
49112$9,212.55
49680$9,211.74
49007$9,211.21
48857$9,210.18
49090$9,209.02
49619$9,206.45
48911$9,205.81
49835$9,205.15
49276$9,198.33
49455$9,193.55
48414$9,190.25
49893$9,188.00
49013$9,184.98
48114$9,183.25
48710$9,179.35
48650$9,176.33
49348$9,175.96
49675$9,168.59
48893$9,167.03
48762$9,161.38
48734$9,159.03
49060$9,158.68
49063$9,158.55
49043$9,157.51
49725$9,156.43
49955$9,155.46
49958$9,153.39
48740$9,153.28
49858$9,149.83
49918$9,145.61
48460$9,145.61
49620$9,141.51
49912$9,141.22
48651$9,141.10
48627$9,139.81
48761$9,139.28
49901$9,132.99
49021$9,131.99
48629$9,131.39
49917$9,130.84
49616$9,128.93
48638$9,127.62
49613$9,125.84
49948$9,125.60
48738$9,124.67
48706$9,122.72
49921$9,122.66
49056$9,119.38
49251$9,117.24
49508$9,114.74
48745$9,112.66
49314$9,112.65
49050$9,112.45
49031$9,111.87
49643$9,109.89
49660$9,109.62
49017$9,109.11
49934$9,108.42
49908$9,107.76
49747$9,105.45
49635$9,105.16
48825$9,102.42
48817$9,100.89
49089$9,100.47
49071$9,099.79
49827$9,094.83
49203$9,094.82
49838$9,094.69
49614$9,093.70
49965$9,091.98
49512$9,091.58
49340$9,090.84
49201$9,089.52
49202$9,088.91
49963$9,086.77
49525$9,083.82
49636$9,082.89
49020$9,082.23
49881$9,082.02
49805$9,081.89
48742$9,081.40
48873$9,079.08
48721$9,078.17
49640$9,077.24
49027$9,077.20
49766$9,075.59
48118$9,071.27
49920$9,065.87
49788$9,065.65
49902$9,065.45
49916$9,065.30
49938$9,064.69
49922$9,064.19
49650$9,063.75
49820$9,063.71
49238$9,063.01
49962$9,062.88
48830$9,062.47
49853$9,061.98
49903$9,061.90
49862$9,061.87
49945$9,061.75
48841$9,061.61
49753$9,057.47
48656$9,056.88
49911$9,056.42
48116$9,056.33
49228$9,055.53
49915$9,051.18
48906$9,050.97
49946$9,049.94
49960$9,049.87
49664$9,049.06
49913$9,044.73
49870$9,043.18
49774$9,042.55
49653$9,040.86
49746$9,040.72
49649$9,040.25
49968$9,038.78
49509$9,036.86
49868$9,035.91
49752$9,035.65
49630$9,034.20
49323$9,033.51
48819$9,033.36
49130$9,030.27
49724$9,028.40
49335$9,028.13
49905$9,027.64
49403$9,027.62
49762$9,027.51
49775$9,026.93
48737$9,024.58
49637$9,024.40
48867$9,024.02
48705$9,022.53
49780$9,022.32
49925$9,021.62
49412$9,019.44
49953$9,019.29
49736$9,019.08
49876$9,017.29
49001$9,016.21
49519$9,014.53
48866$9,014.46
49621$9,013.65
49715$9,011.50
49793$9,009.45
49450$9,007.86
49709$9,007.71
49831$9,006.03
48750$9,005.12
49080$9,002.16
49971$9,001.80
49745$9,000.81
49768$9,000.63
49026$9,000.60
49931$9,000.16
49815$8,998.68
49229$8,998.40
49055$8,994.67
48653$8,993.43
49959$8,992.78
48843$8,991.44
49961$8,990.97
49006$8,990.50
49098$8,989.45
49670$8,989.39
49728$8,988.25
49935$8,988.15
49710$8,985.77
48848$8,984.86
48636$8,984.57
48619$8,984.27
49748$8,983.75
49236$8,982.89
49744$8,982.18
49072$8,980.89
49952$8,979.66
48910$8,979.46
49264$8,976.03
49654$8,975.99
49967$8,975.43
49096$8,975.35
49667$8,975.29
49088$8,974.44
49306$8,972.48
49947$8,971.63
49839$8,970.09
49014$8,969.35
49779$8,968.29
49425$8,967.50
48621$8,966.80
49719$8,965.62
49930$8,965.61
49919$8,965.32
48647$8,965.28
48890$8,964.12
49239$8,963.67
49783$8,961.38
49034$8,960.34
48176$8,959.63
49927$8,958.23
49970$8,957.77
48859$8,957.53
49321$8,954.90
49834$8,953.34
49801$8,952.62
49776$8,952.46
49287$8,950.77
48603$8,950.72
49092$8,949.94
49099$8,949.11
49632$8,949.01
49682$8,948.62
49969$8,946.41
49686$8,945.07
49010$8,942.44
48417$8,940.29
49802$8,938.80
49316$8,937.25
48824$8,937.10
49249$8,934.01
49663$8,932.64
49095$8,931.48
49052$8,931.39
49008$8,930.90
49756$8,927.80
48896$8,927.75
48728$8,927.28
48831$8,927.18
49891$8,927.15
48189$8,924.45
49506$8,924.35
49895$8,922.03
49743$8,917.44
49816$8,917.13
49009$8,917.03
49457$8,916.07
49328$8,910.53
48861$8,908.86
49066$8,908.16
49684$8,906.74
48897$8,906.73
49062$8,903.04
48877$8,901.50
49884$8,895.76
49505$8,893.78
48878$8,886.90
49061$8,884.85
49047$8,881.82
49437$8,881.53
49301$8,880.98
49534$8,880.73
49245$8,879.90
49286$8,879.76
49707$8,877.85
49255$8,877.45
49224$8,877.42
49051$8,876.09
48743$8,875.89
49777$8,875.56
48835$8,873.46
49817$8,873.24
49836$8,872.42
49258$8,872.01
49283$8,868.32
49048$8,868.00
49232$8,865.76
49036$8,861.62
49004$8,858.62
49840$8,857.05
49910$8,854.31
49657$8,850.24
49341$8,849.59
49038$8,846.81
49854$8,846.62
49254$8,845.97
49883$8,843.05
49093$8,839.64
49461$8,833.07
49282$8,831.54
49042$8,826.00
48858$8,819.79
48895$8,819.67
49129$8,817.69
48614$8,815.45
49781$8,814.29
49079$8,814.10
49076$8,813.75
49289$8,810.80
49760$8,807.63
49253$8,805.22
49757$8,801.31
49028$8,799.59
49268$8,796.07
49022$8,795.92
48637$8,789.15
49011$8,788.71
49120$8,787.00
48662$8,786.36
49091$8,780.54
48832$8,779.23
49274$8,777.73
49029$8,776.51
49265$8,773.22
49040$8,768.13
49242$8,765.59
49104$8,763.97
49030$8,762.94
49073$8,758.12
49057$8,757.48
49113$8,756.48
49128$8,753.94
49806$8,751.66
49266$8,748.83
48626$8,748.68
49233$8,748.34
49227$8,740.62
49546$8,735.83
48847$8,735.17
49078$8,734.57
49406$8,730.23
49262$8,729.73
49116$8,729.56
49103$8,726.30
49053$8,724.99
49125$8,724.87
48807$8,722.75
49127$8,719.44
49271$8,719.38
49434$8,719.23
49032$8,713.35
48917$8,705.38
49822$8,703.21
49252$8,699.49
49279$8,683.92
48853$8,683.53
49288$8,682.78
48827$8,677.43
48875$8,677.20
48616$8,676.74
49548$8,676.43
49430$8,675.81
48801$8,675.30
49083$8,675.08
49094$8,674.80
49024$8,671.46
49082$8,669.34
49819$8,667.75
49453$8,667.13
49404$8,666.54
48871$8,666.40
49247$8,666.18
49248$8,664.88
49119$8,661.71
49250$8,660.74
49033$8,656.52
49256$8,650.41
49111$8,647.06
49448$8,645.62
48840$8,643.19
49115$8,636.23
49220$8,624.26
49002$8,617.68
48889$8,613.92
48105$8,612.05
49068$8,610.94
49126$8,604.98
49015$8,604.20
49097$8,600.65
49424$8,599.12
48856$8,596.48
49423$8,595.55
49221$8,593.80
49826$8,593.51
48879$8,592.86
48823$8,580.38
48806$8,575.48
49102$8,573.83
49235$8,570.88
49825$8,568.16
49315$8,566.46
49085$8,563.53
48864$8,561.97
49117$8,558.59
49012$8,545.11
48876$8,535.46
49885$8,522.41
49106$8,517.12
49871$8,517.02
49808$8,515.99
49101$8,489.80
48108$8,478.89
49544$8,477.07
49107$8,458.78
49861$8,450.31
49841$8,444.79
49833$8,432.92
49435$8,431.87
49428$8,421.66
49814$8,419.02
49087$8,416.82
49855$8,415.67
49849$8,405.97
49866$8,404.66
49879$8,404.27
49418$8,372.81
48854$8,368.95
49456$8,368.35
49460$8,364.85
48842$8,360.88
48103$8,357.87
49417$8,327.06
48628$8,315.01
48808$8,310.66
48618$8,309.23
48109$8,302.99
49426$8,302.44
48813$8,295.51
48820$8,285.75
48623$8,279.45
49464$8,271.79
49401$8,267.02
48821$8,262.31
48615$8,248.57
48611$8,242.98
48657$8,231.24
48822$8,229.45
48104$8,224.45
48837$8,153.32
48640$8,134.85
48642$8,127.78
48894$8,036.93
48883$7,958.69
48880$7,916.29
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Overall, the cheapest zip codes in Michigan are in Gratiot County. The 48880 zip code, or the Saint Louis area, has an average rate of $7,916.29 annually.

Cheapest Rates By City

CityAnnual Average
SAINT LOUIS$7,916.29
SHEPHERD$7,958.69
WESTPHALIA$8,036.93
MIDLAND$8,131.32
GRAND LEDGE$8,153.32
EAGLE$8,229.45
SANFORD$8,231.24
AUBURN$8,242.98
BRECKENRIDGE$8,248.57
DIMONDALE$8,262.30
ALLENDALE$8,267.02
ZEELAND$8,271.79
FREELAND$8,279.45
DEWITT$8,285.75
CHARLOTTE$8,295.51
HUDSONVILLE$8,302.44
COLEMAN$8,309.23
BATH$8,310.66
HOPE$8,315.01
GRAND HAVEN$8,327.06
HOLT$8,360.88
WEST OLIVE$8,364.85
SPRING LAKE$8,368.35
MASON$8,368.95
GRANDVILLE$8,372.81
ANN ARBOR$8,395.25
REPUBLIC$8,404.27
NEGAUNEE$8,404.66
ISHPEMING$8,405.97
MARQUETTE$8,415.67
SCHOOLCRAFT$8,416.81
CHAMPION$8,419.02
JENISON$8,421.66
MARNE$8,431.87
LITTLE LAKE$8,432.92
GWINN$8,444.79
MICHIGAMME$8,450.31
BUCHANAN$8,458.78
BARODA$8,489.80
BIG BAY$8,515.99
PALMER$8,517.02
BRIDGMAN$8,517.12
SKANDIA$8,522.42
POTTERVILLE$8,535.46
AUGUSTA$8,545.11
NEW BUFFALO$8,558.59
OKEMOS$8,561.97
SAINT JOSEPH$8,563.53
BYRON CENTER$8,566.46
EBEN JUNCTION$8,568.16
CLAYTON$8,570.88
BERRIEN CENTER$8,573.83
ASHLEY$8,575.48
SAINT JOHNS$8,592.86
RUMELY$8,593.51
ADRIAN$8,593.80
MIDDLETON$8,596.48
HOLLAND$8,597.34
VICKSBURG$8,600.65
SODUS$8,604.98
MARSHALL$8,610.94
SUMNER$8,613.92
ADDISON$8,624.26
HARBERT$8,636.23
HASLETT$8,643.19
PORTAGE$8,644.57
NUNICA$8,645.62
EAU CLAIRE$8,647.06
MORENCI$8,650.41
CERESCO$8,656.52
JONESVILLE$8,660.74
NEW TROY$8,661.71
JASPER$8,664.88
HUDSON$8,666.18
PERRINTON$8,666.40
COOPERSVILLE$8,666.54
SAUGATUCK$8,667.13
ARNOLD$8,667.75
QUINCY$8,669.34
UNION CITY$8,674.80
RICHLAND$8,675.08
ALMA$8,675.30
LAMONT$8,675.81
CHESANING$8,676.74
PORTLAND$8,677.20
EATON RAPIDS$8,677.43
WALDRON$8,682.78
MAPLE RAPIDS$8,683.53
SAND CREEK$8,683.92
LITCHFIELD$8,699.49
DEERTON$8,703.21
CENTREVILLE$8,713.35
MACATAWA$8,719.23
PITTSFORD$8,719.38
STEVENSVILLE$8,719.44
BANNISTER$8,722.75
SAWYER$8,724.87
GALESBURG$8,724.99
LAKESIDE$8,729.56
NORTH ADAMS$8,729.72
DOUGLAS$8,730.23
OTSEGO$8,734.57
ITHACA$8,735.17
ALLEN$8,740.62
BERRIEN SPRINGS$8,745.14
CEMENT CITY$8,748.34
HEMLOCK$8,748.68
OSSEO$8,748.83
AU TRAIN$8,751.66
THREE OAKS$8,753.94
GALIEN$8,756.48
HARTFORD$8,757.48
NASHVILLE$8,758.12
BURR OAK$8,762.94
HILLSDALE$8,765.59
COLON$8,768.13
ONSTED$8,773.22
BURLINGTON$8,776.51
READING$8,777.73
ELWELL$8,779.23
STURGIS$8,780.55
WHEELER$8,786.36
NILES$8,787.00
ATHENS$8,788.71
MERRILL$8,789.15
BENTON HARBOR$8,795.91
PALMYRA$8,796.07
BRONSON$8,799.59
MACKINAC ISLAND$8,801.31
MANITOU BEACH$8,805.22
MORAN$8,807.63
WESTON$8,810.80
OLIVET$8,813.75
PAW PAW$8,814.10
SAINT IGNACE$8,814.29
BRANT$8,815.45
UNION PIER$8,817.69
WILLIAMSTON$8,819.67
CONSTANTINE$8,826.00
SOMERSET CENTER$8,831.54
WHITEHALL$8,833.07
THREE RIVERS$8,839.64
SENEY$8,843.05
MICHIGAN CENTER$8,845.97
MANISTIQUE$8,846.62
COLOMA$8,846.81
ROCKFORD$8,849.59
MC BAIN$8,850.24
BERGLAND$8,854.31
GULLIVER$8,857.05
COLDWATER$8,861.62
CAMDEN$8,865.76
SPRING ARBOR$8,868.32
MOSHERVILLE$8,872.01
GERMFASK$8,872.42
COOKS$8,873.24
EAST LANSING$8,873.30
FOWLER$8,873.46
PRESQUE ISLE$8,875.56
LONG LAKE$8,875.89
EAST LEROY$8,876.09
ALBION$8,877.42
MONTGOMERY$8,877.45
ALPENA$8,877.85
TECUMSEH$8,879.76
HOMER$8,879.90
ADA$8,880.98
MONTAGUE$8,881.53
DOWAGIAC$8,881.82
JONES$8,884.85
ROSEBUSH$8,886.90
MOUNT PLEASANT$8,888.66
SHINGLETON$8,895.76
RIVERDALE$8,901.50
KENDALL$8,903.04
WOODLAND$8,906.73
LEONIDAS$8,908.16
MULLIKEN$8,908.86
HOPKINS$8,910.53
TWIN LAKE$8,916.07
CHATHAM$8,917.14
HAWKS$8,917.44
WETMORE$8,922.03
WHITMORE LAKE$8,924.45
TRENARY$8,927.15
ELSIE$8,927.18
CURRAN$8,927.27
WINN$8,927.75
LEWISTON$8,927.80
FULTON$8,931.39
VANDALIA$8,931.48
MANTON$8,932.64
JEROME$8,934.01
CALEDONIA$8,937.25
KINGSFORD$8,938.80
BURT$8,940.29
ALLEGAN$8,942.44
WATERSMEET$8,946.41
SUTTONS BAY$8,948.62
FALMOUTH$8,949.01
WHITE PIGEON$8,949.12
TEKONSHA$8,949.95
TIPTON$8,950.77
POSEN$8,952.46
IRON MOUNTAIN$8,952.62
FOSTER CITY$8,953.34
COMSTOCK PARK$8,954.90
WATTON$8,957.77
GAASTRA$8,958.23
SALINE$8,959.63
CLIMAX$8,960.34
SAULT SAINTE MARIE$8,961.38
FRONTIER$8,963.67
SUNFIELD$8,964.12
MIO$8,965.28
COVINGTON$8,965.32
HANCOCK$8,965.61
CEDARVILLE$8,965.62
FAIRVIEW$8,966.80
HOLTON$8,967.50
ROGERS CITY$8,968.29
GRAND MARAIS$8,970.09
KALAMAZOO$8,970.35
MARENISCO$8,971.63
BELMONT$8,972.48
SCOTTS$8,974.45
MERRITT$8,975.29
VERMONTVILLE$8,975.35
TROUT CREEK$8,975.43
LELAND$8,975.99
ONONDAGA$8,976.03
NISULA$8,979.66
MENDON$8,980.89
HERRON$8,982.18
CLINTON$8,982.89
HULBERT$8,983.75
COMINS$8,984.27
LUZERNE$8,984.57
LAINGSBURG$8,984.86
BARBEAU$8,985.77
IRON RIVER$8,988.15
ECKERMAN$8,988.25
NORTHPORT$8,989.39
WATERVLIET$8,989.45
SIDNAW$8,990.97
RAMSAY$8,992.78
ROSCOMMON$8,993.43
GOBLES$8,994.67
BRITTON$8,998.40
CHANNING$8,998.68
HOUGHTON$9,000.16
BLOOMINGDALE$9,000.60
PARADISE$9,000.63
HESSEL$9,000.81
WHITE PINE$9,001.80
PLAINWELL$9,002.17
OSCODA$9,005.12
FELCH$9,006.03
ATLANTA$9,007.71
PULLMAN$9,007.86
TROUT LAKE$9,009.45
BRIMLEY$9,011.49
CEDAR$9,013.65
OVID$9,014.46
QUINNESEC$9,017.29
GOETZVILLE$9,019.08
ONTONAGON$9,019.29
FREMONT$9,019.44
GRAND RAPIDS$9,020.04
EWEN$9,021.62
RUDYARD$9,022.32
BARTON CITY$9,022.53
OWOSSO$9,024.02
GRAWN$9,024.40
GLENNIE$9,024.58
WYOMING$9,025.70
POINTE AUX PINS$9,026.93
NAUBINWAY$9,027.51
CONKLIN$9,027.62
ATLANTIC MINE$9,027.64
MOLINE$9,028.13
DAFTER$9,028.40
UNION$9,030.27
DANSVILLE$9,033.37
DORR$9,033.51
EMPIRE$9,034.20
KINROSS$9,035.65
NEWBERRY$9,035.91
WAKEFIELD$9,038.78
KINGSLEY$9,040.25
HILLMAN$9,040.71
LAKE LEELANAU$9,040.86
PICKFORD$9,042.55
NORWAY$9,043.18
CALUMET$9,044.73
MAPLE CITY$9,049.06
ROCKLAND$9,049.87
LANSE$9,049.94
CASPIAN$9,051.18
BLISSFIELD$9,055.54
BESSEMER$9,056.42
SAINT HELEN$9,056.88
LACHINE$9,057.47
HENDERSON$9,061.61
LAKE LINDEN$9,061.75
MUNISING$9,061.87
AMASA$9,061.90
MC MILLAN$9,061.98
ELM HALL$9,062.48
SKANEE$9,062.88
DEERFIELD$9,063.01
CURTIS$9,063.71
LAKE ANN$9,063.75
DOLLAR BAY$9,064.19
IRONWOOD$9,064.69
CHASSELL$9,065.30
ALPHA$9,065.44
KINCHELOE$9,065.64
CRYSTAL FALLS$9,065.87
CHELSEA$9,071.27
OSSINEKE$9,075.59
BREEDSVILLE$9,077.20
HONOR$9,077.24
BLACK RIVER$9,078.17
PEWAMO$9,079.08
LINCOLN$9,081.40
ALLOUEZ$9,081.89
SAGOLA$9,082.02
BEDFORD$9,082.23
GLEN ARBOR$9,082.89
TRAVERSE CITY$9,086.14
SOUTH RANGE$9,086.77
REMUS$9,090.84
JACKSON$9,091.08
TOIVOLA$9,091.98
BEAR LAKE$9,093.70
GOULD CITY$9,094.69
ENGADINE$9,094.83
MATTAWAN$9,099.79
SHERWOOD$9,100.48
CORUNNA$9,100.89
FRANKFORT$9,105.16
HUBBARD LAKE$9,105.45
BARAGA$9,107.76
HUBBELL$9,108.42
MANISTEE$9,109.62
INTERLOCHEN$9,109.89
CASSOPOLIS$9,111.87
DOWLING$9,112.45
BURNIPS$9,112.65
MIKADO$9,112.66
LESLIE$9,117.24
GRAND JUNCTION$9,119.38
BRIGHTON$9,119.79
BATTLE CREEK$9,120.93
DODGEVILLE$9,122.66
GREENBUSH$9,124.67
MASS CITY$9,125.60
ARCADIA$9,125.84
BENZONIA$9,128.93
COPPER CITY$9,130.84
HOUGHTON LAKE$9,131.39
BELLEVUE$9,131.99
AHMEEK$9,132.99
SOUTH BRANCH$9,139.28
HIGGINS LAKE$9,139.81
PRUDENVILLE$9,141.10
BRUCE CROSSING$9,141.22
BUCKLEY$9,141.51
COPPER HARBOR$9,145.61
NEW LOTHROP$9,145.61
MENOMINEE$9,149.83
HARRISVILLE$9,153.28
PELKIE$9,153.39
PAINESDALE$9,155.46
DE TOUR VILLAGE$9,156.43
COVERT$9,157.51
LACOTA$9,158.55
HICKORY CORNERS$9,158.68
FRANKENMUTH$9,159.03
SPRUCE$9,161.38
WEIDMAN$9,167.03
ONEKAMA$9,168.59
WAYLAND$9,175.96
PINCONNING$9,176.33
UNIVERSITY CENTER$9,179.35
BANGOR$9,184.98
WALLACE$9,188.00
BANCROFT$9,190.25
SHELBY$9,193.55
RIGA$9,198.33
GARDEN$9,205.15
BRETHREN$9,206.45
SOUTH HAVEN$9,209.02
MORRICE$9,210.18
SOUTH BOARDMAN$9,211.74
EDWARDSBURG$9,212.55
MOHAWK$9,216.77
FOWLERVILLE$9,219.15
MARCELLUS$9,219.55
SARANAC$9,220.09
PERKINS$9,220.44
WELLS$9,221.24
CHIPPEWA LAKE$9,222.99
CLARKSVILLE$9,226.62
NADEAU$9,229.80
PERRONVILLE$9,229.95
LORETTO$9,230.08
LAKE ODESSA$9,230.72
NEW ERA$9,232.58
WEBBERVILLE$9,232.68
HOWELL$9,234.07
HERMANSVILLE$9,234.23
VERNON$9,238.77
SAINT CHARLES$9,239.11
MUNGER$9,240.23
VULCAN$9,241.91
ROCK$9,243.95
CASNOVIA$9,246.48
LYONS$9,246.72
CADILLAC$9,247.84
ROTHBURY$9,248.65
PERRY$9,248.84
DRUMMOND ISLAND$9,248.97
SPALDING$9,249.66
DURAND$9,250.65
INGALLS$9,253.87
CONCORD$9,256.66
BELDING$9,264.29
DEXTER$9,264.62
ESCANABA$9,265.43
MARTIN$9,267.63
STEPHENSON$9,268.20
MARION$9,268.58
FENNVILLE$9,270.99
LANSING$9,273.92
OAKLEY$9,275.62
MIDDLEVILLE$9,279.26
BROOKLYN$9,287.64
RIVES JUNCTION$9,287.96
PARMA$9,295.00
HART$9,300.38
PARIS$9,303.17
GLADSTONE$9,304.61
PENTWATER$9,308.51
BRADLEY$9,311.03
HAMILTON$9,312.95
CARROLLTON$9,320.83
LOWELL$9,323.91
HESPERIA$9,325.28
LAWTON$9,334.46
SHELBYVILLE$9,334.82
HANOVER$9,344.19
MANCHESTER$9,348.70
FREEPORT$9,356.34
EVART$9,357.21
MEARS$9,360.11
BARK RIVER$9,360.62
DAGGETT$9,361.71
POWERS$9,365.01
HORTON$9,367.94
CLARKLAKE$9,368.50
BAY CITY$9,369.07
GRASS LAKE$9,369.96
ALTO$9,370.78
MUSKEGON$9,372.96
BRUTUS$9,375.76
SPRINGPORT$9,378.70
CORNELL$9,379.61
LAWRENCE$9,380.96
PINCKNEY$9,381.19
PETOSKEY$9,384.84
KAWKAWLIN$9,387.54
BOYNE CITY$9,387.69
CARP LAKE$9,387.92
BAILEY$9,389.42
IONIA$9,395.35
LAKELAND$9,396.50
BEAVERTON$9,396.64
LINWOOD$9,397.80
MILAN$9,398.45
CARNEY$9,400.09
SHAFTSBURG$9,405.75
HARBOR SPRINGS$9,405.96
CLARE$9,406.57
OTTAWA LAKE$9,407.10
LAKE GEORGE$9,410.94
WILSON$9,414.98
RAPID RIVER$9,415.28
PLEASANT LAKE$9,417.60
STOCKBRIDGE$9,419.85
DELTON$9,421.92
CHARLEVOIX$9,422.85
DECATUR$9,423.10
CANNONSBURG$9,426.27
MUIR$9,433.60
GLENN$9,434.49
ELLSWORTH$9,436.59
CHASE$9,440.39
LEVERING$9,448.53
RAVENNA$9,450.70
MACKINAW CITY$9,451.10
BARRYTON$9,451.62
ELMIRA$9,452.96
VESTABURG$9,453.47
LUDINGTON$9,457.65
PELLSTON$9,458.29
ODEN$9,463.53
CHEBOYGAN$9,464.90
LAKE CITY$9,466.01
HARRISON$9,475.98
SEARS$9,476.49
CUSTER$9,478.88
REESE$9,479.86
WALLOON LAKE$9,479.93
HERSEY$9,482.25
EAST JORDAN$9,486.56
BOYNE FALLS$9,488.54
GRAYLING$9,491.13
GOWEN$9,491.29
GAYLORD$9,491.33
LAKE$9,496.59
BEAVER ISLAND$9,497.41
WHITE CLOUD$9,499.33
WALHALLA$9,503.56
EAST TAWAS$9,504.02
ELK RAPIDS$9,504.20
WILLIAMSBURG$9,507.18
FARWELL$9,507.37
CARSON CITY$9,510.91
SCOTTVILLE$9,511.51
MONTROSE$9,511.83
HARTLAND$9,514.86
KEWADIN$9,526.98
FRUITPORT$9,531.34
MUNITH$9,531.40
HASTINGS$9,533.09
BOON$9,537.77
ALANSON$9,538.08
BELLAIRE$9,539.44
LUPTON$9,539.86
TOPINABEE$9,543.68
KALEVA$9,543.77
INDIAN RIVER$9,552.11
TAWAS CITY$9,555.39
HARRIETTA$9,558.12
VANDERBILT$9,559.64
HUBBARDSTON$9,562.17
CENTRAL LAKE$9,564.41
FREE SOIL$9,566.68
SPARTA$9,569.11
ESSEXVILLE$9,569.73
WHITTEMORE$9,576.64
BRANCH$9,579.92
DUNDEE$9,583.50
RHODES$9,583.90
TOWER$9,584.02
MESICK$9,587.21
CLOVERDALE$9,587.40
ONAWAY$9,594.98
WOLVERINE$9,596.83
AFTON$9,596.95
BEULAH$9,598.17
BURT LAKE$9,598.33
JOHANNESBURG$9,600.27
FIFE LAKE$9,602.81
MANCELONA$9,603.78
NATIONAL CITY$9,604.14
PRESCOTT$9,606.33
BENTLEY$9,611.53
EASTPORT$9,614.13
EDMORE$9,615.96
BLANCHARD$9,618.28
MCBRIDES$9,624.54
THOMPSONVILLE$9,628.87
FREDERIC$9,629.81
CEDAR LAKE$9,630.39
FOUNTAIN$9,635.51
HALE$9,643.86
ELBERTA$9,648.44
NATIONAL MINE$9,650.79
WEST BRANCH$9,655.31
CRYSTAL$9,668.99
COPEMISH$9,671.56
MULLETT LAKE$9,673.87
OMENA$9,681.65
ORLEANS$9,697.20
EASTLAKE$9,700.51
ROSE CITY$9,704.40
PALO$9,709.71
ALDEN$9,709.76
WELLSTON$9,710.64
NAZARETH$9,713.93
WATERS$9,722.04
POMPEII$9,722.74
CEDAR SPRINGS$9,727.77
FENWICK$9,732.66
ACME$9,734.96
SIDNEY$9,737.45
MILLERSBURG$9,741.61
HAGAR SHORES$9,744.22
STANWOOD$9,753.71
RODNEY$9,760.78
LENNON$9,760.79
RAPID CITY$9,770.14
FENTON$9,773.75
KALKASKA$9,794.66
STANTON$9,803.73
SIX LAKES$9,806.76
MAYBEE$9,812.51
SHERIDAN$9,816.19
AU GRES$9,822.89
KENT CITY$9,824.89
GREENVILLE$9,828.02
DAVISON$9,834.80
GREGORY$9,837.19
TURNER$9,846.46
BAD AXE$9,855.26
NEWAYGO$9,855.81
SYLVAN BEACH$9,863.66
BIG RAPIDS$9,867.55
MORLEY$9,870.12
BROHMAN$9,872.49
GAGETOWN$9,877.99
TRUFANT$9,884.04
CORAL$9,886.56
SAND LAKE$9,891.00
STANDISH$9,892.35
OMER$9,895.30
GLADWIN$9,899.46
STERLING$9,902.46
SEBEWAING$9,912.04
HARBOR BEACH$9,912.62
GRANT$9,913.77
PIGEON$9,914.89
KINDE$9,914.92
TWINING$9,919.63
MECOSTA$9,921.44
ELKTON$9,924.33
OWENDALE$9,927.01
FAIRGROVE$9,927.93
PIERSON$9,936.26
BAY PORT$9,936.93
UBLY$9,941.22
WALKERVILLE$9,942.95
VASSAR$9,950.51
PORT AUSTIN$9,952.35
CASEVILLE$9,952.61
RUTH$9,955.19
CARO$9,955.61
SWARTZ CREEK$9,956.53
CASS CITY$9,957.81
AKRON$9,961.52
HOWARD CITY$9,962.00
PORT HOPE$9,966.45
KINGSTON$9,970.84
SNOVER$9,975.31
MINDEN CITY$9,976.69
IDA$9,978.87
FILION$9,981.73
PLYMOUTH$9,986.14
UNIONVILLE$9,988.75
LAKEVIEW$9,991.19
PALMS$10,000.31
REED CITY$10,001.36
DEFORD$10,005.99
DECKER$10,007.32
DECKERVILLE$10,008.40
SANDUSKY$10,010.92
TUSTIN$10,023.48
BITELY$10,029.06
ALGER$10,030.90
FORESTVILLE$10,031.41
LEROY$10,035.30
BIRCH RUN$10,042.53
MAYVILLE$10,047.02
RICHVILLE$10,047.16
TEMPERANCE$10,059.71
LUTHER$10,065.49
PETERSBURG$10,078.61
CARLETON$10,080.78
MARLETTE$10,090.39
HOUGHTON LAKE HEIGHTS$10,100.91
NEWPORT$10,102.22
AZALIA$10,108.55
CLARKSTON$10,114.89
IRONS$10,116.14
LAMBERTVILLE$10,129.46
LAKE ORION$10,131.64
SOUTH LYON$10,139.79
IDLEWILD$10,141.13
DAVISBURG$10,164.44
MARYSVILLE$10,167.04
KEARSARGE$10,169.21
OAKLAND$10,173.42
SMYRNA$10,181.74
MILLINGTON$10,193.35
BALDWIN$10,194.24
LUNA PIER$10,207.25
LAPEER$10,211.71
BYRON$10,212.55
GOODRICH$10,284.84
MELVIN$10,287.16
SAINT CLAIR$10,291.39
HIGHLAND$10,294.72
PORT HURON$10,296.16
LINDEN$10,303.86
CLIFFORD$10,326.56
METAMORA$10,347.17
EAST CHINA$10,355.23
OXFORD$10,355.84
COLUMBIAVILLE$10,356.33
SILVERWOOD$10,385.71
FOSTORIA$10,403.76
MILFORD$10,414.60
NORTHVILLE$10,425.97
$10,426.77
CARSONVILLE$10,433.11
PECK$10,442.76
COLUMBUS$10,446.94
SOUTH ROCKWOOD$10,447.80
ATTICA$10,449.65
PORT SANILAC$10,459.71
NEW HUDSON$10,463.25
CROSS VILLAGE$10,466.63
SALEM$10,481.91
GOOD HART$10,485.93
BROWN CITY$10,487.91
NORTH BRANCH$10,489.29
BIRMINGHAM$10,491.26
MEMPHIS$10,493.02
ALMONT$10,506.04
IMLAY CITY$10,508.66
BAY SHORE$10,511.20
NORVELL$10,521.16
APPLEGATE$10,522.87
FORT GRATIOT$10,534.36
SAGINAW$10,535.01
CROSWELL$10,535.59
OTTER LAKE$10,563.29
ALBA$10,565.41
DRYDEN$10,573.67
SMITHS CREEK$10,581.74
SAMARIA$10,589.21
CAPAC$10,591.64
WIXOM$10,595.09
GAINES$10,599.59
OLD MISSION$10,636.17
FILER CITY$10,640.77
ALLENTON$10,647.76
OTISVILLE$10,658.57
LEXINGTON$10,659.66
MARINE CITY$10,660.22
LAKEVILLE$10,667.69
LEONARD$10,670.95
LA SALLE$10,714.39
RICHMOND$10,714.39
MONROE$10,725.18
CANTON$10,725.27
FLUSHING$10,735.55
ALGONAC$10,745.87
GRAND BLANC$10,750.59
HARSENS ISLAND$10,755.83
WHITE LAKE$10,810.40
ANCHORVILLE$10,810.91
CASCO$10,832.68
BRIDGEPORT$10,868.44
JEDDO$10,872.94
NORTH STREET$10,884.68
WALLED LAKE$10,907.94
YPSILANTI$10,911.62
CLAWSON$10,915.79
AVOCA$10,925.79
ROCKWOOD$10,961.24
GOODELLS$10,965.72
WHITTAKER$10,982.92
COMMERCE TOWNSHIP$11,009.11
ARMADA$11,011.50
CLIO$11,011.74
HOLLY$11,027.98
ROCHESTER$11,028.01
RALPH$11,042.30
UNION LAKE$11,046.10
ERIE$11,061.48
ROMEO$11,129.87
BERKLEY$11,136.60
YALE$11,147.62
EMMETT$11,157.42
FRANKLIN$11,197.34
ORTONVILLE$11,206.96
FAIR HAVEN$11,250.47
LIVONIA$11,256.51
NEW HAVEN$11,278.58
WATERFORD$11,306.34
ROYAL OAK$11,364.97
WASHINGTON$11,368.09
WILLIS$11,498.56
NOVI$11,533.36
RAY$11,542.38
AUBURN HILLS$11,641.07
MACOMB$11,722.47
FARMINGTON$11,722.84
KEEGO HARBOR$11,751.62
DRAYTON PLAINS$11,784.51
TROY$11,806.87
UTICA$12,101.89
BLOOMFIELD HILLS$12,238.82
PLEASANT RIDGE$12,322.59
FLAT ROCK$12,355.30
NEW BALTIMORE$12,397.74
MADISON HEIGHTS$12,475.72
TRENTON$12,535.40
WEST BLOOMFIELD$12,537.69
BURTON$12,544.01
BELLEVILLE$12,605.17
SAINT CLAIR SHORES$13,120.82
WESTLAND$13,178.90
CLINTON TOWNSHIP$13,214.76
HARRISON TOWNSHIP$13,262.93
FRASER$13,284.36
STERLING HEIGHTS$13,315.84
GROSSE ILE$13,348.84
WAYNE$13,349.33
NEW BOSTON$13,393.48
GARDEN CITY$13,518.13
MOUNT CLEMENS$13,565.07
HUNTINGTON WOODS$13,700.16
FERNDALE$13,868.27
TAYLOR$13,914.92
ROSEVILLE$13,991.39
WYANDOTTE$14,043.40
SOUTHGATE$14,149.43
ROMULUS$14,173.50
LINCOLN PARK$14,234.31
GENESEE$14,524.70
ALLEN PARK$14,529.34
RIVERVIEW$14,530.95
GROSSE POINTE$14,811.54
HAZEL PARK$14,956.77
WARREN$15,080.65
MOUNT MORRIS$15,267.00
EASTPOINTE$15,452.65
REDFORD$15,713.38
CENTER LINE$15,998.68
PONTIAC$16,275.04
FLINT$16,343.93
DEARBORN HEIGHTS$16,487.42
MELVINDALE$16,544.22
INKSTER$16,984.97
SOUTHFIELD$17,516.86
ECORSE$18,154.01
OAK PARK$18,716.04
HARPER WOODS$19,225.22
RIVER ROUGE$19,405.58
DEARBORN$20,920.85
HIGHLAND PARK$26,923.65
HAMTRAMCK$26,925.66
DETROIT$26,966.81
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Again, the cheapest city in Michigan when it comes to auto insurance in Saint Louis. This could mean Saint Louis has a high rate of crime or poverty. Just because it is the cheapest doesn’t mean it’s the best place to live. Be careful when choosing the right area for you.

The most expensive city is Detroit at an average annual rate of just under $27,000.

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Best Car Insurance Companies in Michigan

There are a million different car insurance companies in Michigan and the United States. Choosing which is the best can be a struggle. Sometimes the cheapest rate isn’t the best coverage, but then again you don’t want to overpay for anything. Saving money is always a good thing.

The commercials you see on TV are more often than not, the top insurance companies in the world. They advertise so well you may be blinded to the reality of who they are. Every company will tell you that they have the best rates and the best coverages for you.

In this section, we’ll break down the top companies in Michigan and you can decide for yourself which is best for you. Instead of searching for hours on the internet you can find all your data in one place.

We’ll cover ratings from the most trusted sources, customer reviews of companies, and we’ll also look at rates to create a complete picture of how the top companies are performing.

The Largest Companies’ Financial Rating

Every year AM Best comes out with a financial rating for top companies in insurance. This gives a grade to every company to help you understand which companies are the best.

Companies with the best financial ratings have the ability to pay claims, even in the case of a major accident.

COMPANYA.M. BEST RATING:
GeicoA++
State FarmA++
USAAA++
AllstateA+
ProgressiveA+
FarmersA
Liberty MutualA
Travelers GroupA
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Companies With The Best Ratings

JD Power is the most trusted name in insurance ratings and many other fields. They release awards yearly to the top companies in each state and the entire nation.

In the entire north-central region of the U.S. Westfield Insurance has the best JD Power ratings. USAA sets the standard, but this is because it is only available to the military, so it is not included in the graph.

Within Michigan, State Farm and Michigan Farm Bureau are the top two companies according to the ratings.

Companies With the Most Complaints in Michigan

Complaints are a great statistic to look at when it comes to insurance companies. If a complaint ratio is high that the company may be having issues with customers.

Company2013 Complaint Ratio2013 Premiums WrittenRank
Fremont Insurance0.02$59,273,3661
USAA0.04155,907,1112
Wolverine Mutual0.0423,071,6743
Westfield Insurance0.0539,885,1274
Progressive0.06627,359,7495
Michigan Millers0.0647,370,5146
State Farm0.071,385,322,3367
Frankenmuth0.08177,396,7428
MEEMIC0.08199,074,6999
GEICO0.09193,080,06710
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As you can see in the table Fremont Insurance, USAA, and Wolverine Mutual have the best complaint rates in the state. Careful though, some companies are so small it’s hard to find things to complain about. Huge companies that serve consumers across the nation may have more complaints, but they also insure a lot more people.

Cheapest Companies in Michigan

Rates are probably the most essential part of car insurance. Knowing the best rates and what companies in Michigan has them can be your best friend.

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In the following sections, we will break down the rates by different factors, including commute, coverage levels, and driving records.

This should help you decide which company is best for you.

Commute Rates By Company

Car insurance companies can sometimes get aggressive with rates when you have a longer commute. The rule of thumb to use is, the more you are on the road, the more accidents, tickets, or other insurance-related situations can happen.

Knowing this, some companies try to protect themselves from heavy commuters by raising rates. Depending on where you live in Michigan, traffic varies so you may not have to worry about a long commute at all. But if you do have an extensive commute, this data could help you assure you aren’t overpaying.

GroupCommute_And_Annual_MileageAnnual Average
Allstate10 miles commute. 6000 annual mileage.$22,821.42
Allstate25 miles commute. 12000 annual mileage.$22,821.42
Liberty Mutual25 miles commute. 12000 annual mileage.$20,602.33
Liberty Mutual10 miles commute. 6000 annual mileage.$19,223.85
State Farm25 miles commute. 12000 annual mileage.$12,821.40
State Farm10 miles commute. 6000 annual mileage.$12,142.23
Travelers25 miles commute. 12000 annual mileage.$8,757.05
Travelers10 miles commute. 6000 annual mileage.$8,657.15
Farmers10 miles commute. 6000 annual mileage.$8,275.23
Farmers25 miles commute. 12000 annual mileage.$8,275.23
GEICO25 miles commute. 12000 annual mileage.$6,529.03
Nationwide10 miles commute. 6000 annual mileage.$6,287.43
Nationwide25 miles commute. 12000 annual mileage.$6,287.43
GEICO10 miles commute. 6000 annual mileage.$6,236.05
Progressive10 miles commute. 6000 annual mileage.$5,354.18
Progressive25 miles commute. 12000 annual mileage.$5,354.18
USAA25 miles commute. 12000 annual mileage.$3,659.52
USAA10 miles commute. 6000 annual mileage.$3,576.60
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As you can see in the table, Allstate has the most expensive rates but if you have a long commute the rates don’t change. Unlike State Farm, which has affordable rates but raises their rates for commutes by over $800 annually.

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Coverage Level Rates By Company

Car insurance has three different types of coverage level; low, medium, and high. Each company will cover different things within those levels, but it is generally similar. From company to company the rates for each coverage range as well.

Some companies may charge the same for low and medium coverage.

GroupCoverage_TypeAnnual Average
AllstateHigh$23,352.73
AllstateMedium$22,873.48
AllstateLow$22,238.06
Liberty MutualHigh$20,418.71
Liberty MutualMedium$19,868.02
Liberty MutualLow$19,452.55
State FarmHigh$13,040.02
State FarmMedium$12,560.38
State FarmLow$11,845.05
TravelersHigh$8,788.45
TravelersMedium$8,716.50
TravelersLow$8,616.35
FarmersHigh$8,523.10
FarmersMedium$8,253.96
FarmersLow$8,048.64
GEICOHigh$6,832.27
NationwideLow$6,579.61
GEICOMedium$6,327.85
NationwideMedium$6,181.29
NationwideHigh$6,101.40
GEICOLow$5,987.51
ProgressiveHigh$5,512.79
ProgressiveMedium$5,360.96
ProgressiveLow$5,188.80
USAAHigh$3,716.05
USAAMedium$3,626.86
USAALow$3,511.28
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Allstate is consistently the most expensive in Michigan all around. However, from low to high coverage, Allstate’s rates don’t change all that much.

Other companies will make you pay thousands more a year for high coverage. When high coverage is worth it is if you get a good rate on it. Then you may be saving a lot of money if you were to get in an accident.

Choose carefully which level is best for you. If you have a long history of great driving, then low coverage may be all you need.

Credit History Rates By Company

In some states changing insurance rates by credit history is illegalized, but not in Michigan. Michigan is consistently the worst state at overcharging for bad credit.

Each person’s credit history follows them everywhere they go. From buying a car to a home, to even layaway at WalMart.

GroupCredit HistoryAnnual Average
AllstatePoor$34,695.69
Liberty MutualPoor$31,503.82
State FarmPoor$20,256.29
AllstateFair$19,170.49
Liberty MutualFair$18,192.56
AllstateGood$14,598.09
FarmersPoor$11,579.33
State FarmFair$10,240.44
Liberty MutualGood$10,042.90
TravelersPoor$8,923.51
TravelersFair$8,653.62
TravelersGood$8,544.17
GEICOPoor$8,212.73
NationwidePoor$7,888.82
State FarmGood$6,948.71
FarmersFair$6,881.67
FarmersGood$6,364.70
ProgressivePoor$6,184.82
GEICOFair$6,031.66
NationwideFair$5,932.40
USAAPoor$5,415.46
ProgressiveFair$5,198.94
NationwideGood$5,041.07
GEICOGood$4,903.24
ProgressiveGood$4,678.78
USAAFair$3,088.55
USAAGood$2,350.18
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This table breaks down the most expensive to the cheapest rates for each top company by what drivers credit history. Even with the cheapest companies like Geico, those with poor credit pay up to 5,000 dollars extra annually than those with good credit.

Keeping track of your credit is important. How many accounts you have and how much debt is on each of those accounts affects your credit score a great deal.

Michigan’s average credit score is 677, and people have around three credit cards open on average.

Driving Record Rates By Company

GroupDriving_RecordAnnual Average
AllstateWith 1 DUI$49,760.80
Liberty MutualWith 1 DUI$31,057.16
State FarmWith 1 DUI$20,573.92
Liberty MutualWith 1 speeding violation$17,841.37
Liberty MutualWith 1 accident$16,814.63
AllstateWith 1 speeding violation$15,547.99
AllstateWith 1 accident$14,863.20
GEICOWith 1 DUI$14,384.88
Liberty MutualClean record$13,939.21
TravelersWith 1 DUI$13,556.16
State FarmWith 1 speeding violation$11,889.70
AllstateClean record$11,113.69
State FarmWith 1 accident$9,521.29
FarmersWith 1 accident$8,878.82
FarmersWith 1 DUI$8,748.36
FarmersWith 1 speeding violation$8,539.80
TravelersWith 1 accident$8,413.93
State FarmClean record$7,942.35
NationwideWith 1 accident$7,181.07
TravelersWith 1 speeding violation$6,966.74
FarmersClean record$6,933.96
NationwideWith 1 DUI$6,532.75
NationwideWith 1 speeding violation$6,059.11
ProgressiveWith 1 accident$5,964.06
TravelersClean record$5,891.56
ProgressiveWith 1 speeding violation$5,557.63
NationwideClean record$5,376.80
ProgressiveWith 1 DUI$5,361.42
USAAWith 1 DUI$4,758.07
GEICOWith 1 accident$4,746.86
ProgressiveClean record$4,533.62
GEICOWith 1 speeding violation$4,151.13
USAAWith 1 accident$3,631.64
USAAWith 1 speeding violation$3,172.10
USAAClean record$2,910.44
GEICOClean record$2,247.29
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Not quite as important as your credit score in Michigan, but still going to affect your rates, is your driving record.

As you can see in the table above from a clean record to a DUI, you would end up spending 10,000 extra dollars a year on your insurance policy.

DUI’s are a sure-fire way to ruin your affordable auto insurance rates no matter what coverage you have.

Just one speeding ticket can change your annual rates by hundreds of dollars. Accidents are also going to raise your rates drastically. Some companies have accident forgiveness. If you know you have an accident on your record, those companies could be the best for you.

Largest Car Insurance Companies in Michigan

State Farm is the largest car insurance company in Michigan by a long shot. With the highest market share, yet still an average loss ratio, they beat everybody in the stat line.

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Insurance CompanyDirect Premiums WrittenLoss RatioMarket Share
State Farm Group$1,662,96653.42%18.54%
Automobile Club MI Group$1,421,253109.36%15.84%
Progressive Group$1,261,15068.76%14.06%
Auto-Owners Group$888,71690.82%9.91%
Allstate Insurance Group$731,916109.93%8.16%
The Hanover Insurance Group$535,02067.97%5.96%
Michigan Farm Bureau Group$410,89565.71%4.58%
Liberty Mutual Group$390,07966.52%4.35%
USAA Group$271,15788.71%3.02%
Frankenmuth Group$157,96266.30%1.76%
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Knowing these numbers can give you a good idea of what companies are successful in Michigan.

Number of Insurers in Michigan

These statistics simply refer to the number of different insurance companies you can be insured by.

In Michigan, there are 65 domestic insurers and 786 foreign insurers offering their services to consumers. Bringing the total to 851 separate companies, a driver can have insurance through. That’s a huge number, so it’s no wonder car insurance gets so complicated.

Domestic insurers are located in Michigan, while foreign insurers are located in another state. Foreign does not refer to out of the country.

Michigan State Laws

Laws in every state are confusing and difficult to read. Using language that is as dense as it gets is the specialty of our lawmakers. Breaking down the most important laws in plain language can help you with every part of your life but especially when it comes to shopping for car insurance.

In this section, we’ll review the important state laws of Michigan and also some of the foremost car insurance laws.

Car Insurance Laws

Let’s start by taking a look at the laws that directly affect car insurance.

New Insurance Reform Law

On May 25, 2019, the Legislature passed a new Michigan No-Fault law. This new law changes auto no-fault insurance laws. Governor Whitmer signed these wild changes into law only a few days later.

The law has now undergone substantial changes that will affect every driver in Michigan.

The main change behind the law is that drivers after July 2020 will have the option to purchase personal injury protection instead of being required to have it.

This became a topic in the political game when there was an enormous outcry against the expensive auto insurance in the state.

Governor Whitmer and the legislature took notice and did something right by the drivers in Michigan. This new law should save people hundreds and even thousands of dollars a year.

How State Laws for Car Insurance Are Determined

Like most states, car insurance laws are determined by the legislature.

According to the NAIC, in Michigan rating filing is done with a file and use system, but if the rate increase is found excessive, the company will be required to return excess premium. Form filings require 30-day advance approval.

Windshield Coverage

Windshields are a pain. Chips and cracks are something you cannot avoid when driving on the road. Especially if you have a long commute, it happens to everyone. But for some reason, every state has weird laws about windshields.

In Michigan, insurance companies restrict which companies can repair your windshield. If you have a company repair your windshield and that company isn’t one used by your insurance, they will fight you not to cover it.

High-Risk Insurance

High-risk insurance covers the individual drivers with past driving violations, inexperience behind the wheel, or poor credit.

Any of these could have you paying a lot more for car insurance than the average person with a clean record. Some companies won’t insure a high-risk driver at all, but most large companies will take a risk and just overcharge.

Low-Cost Insurance

Michigan does make you pay for being a high-risk driver, but they, unfortunately, do not have a low-cost program.

The only states that have government-funded programs are California, Hawaii, and New Jersey. These programs are built to help low-income families be able to protect themselves while they drive.

Automobile Insurance Fraud in Michigan

Insurance fraud can be committed in a number of ways, but the main way is filing a claim that did not happen and expecting a payout from it.

Some other common frau acts are misrepresenting facts on an insurance application, submitting claims for injuries or damage that never occurred, services never rendered or equipment never delivered, and staging accidents.

Insurance fraud is against the law in every state. In Michigan, insurance fraud is a felony, punishable by up to four years in jail and up to $50,000 in fines. There’s also restitution, court costs, and lawyer’s fees to pay.

Do you have a real insurance claim in Michigan and can’t seem to figure out how to submit one? Got to DIFS and submit one today.

Statute of Limitations

A statute of limitation is a standard that there is a period for the bringing of certain kinds of legal action. This means that people affected have a certain amount of time to pursue legal action.

For example, if a driver gets in an accident and five years later decides they were hurt in that accident; the statute of limitations prohibits that person from pursuing legal action because it’s been too long since the date of the crash.

In Michigan, for Personal Injury and Property Damage, the time limit is three years.

State Specific Laws

Most of the insurance laws have already been covered, so we’ve compiled some information on popular laws throughout Michigan.

Michigan does not allow capital punishment and/or the death penalty. Marijuana is not legal in the state. On top of most other states, Michigan is extremely strict on their DUI laws. They are quicker and steeper.

Vehicle Licensing Laws

As in most states, vehicle licensing laws are handled in Michigan by the DMV. There are a lot of different rules and regulation to know about, but these are the most important ones to keep in mind. Knowing these could help you out in your shopping for insurance.

Real ID

According to Homeland Security, The Real ID Act establishes security standards for license issuance and production. This prohibits Federal agencies from accepting driver’s licenses and ID cards from states not meeting the Act’s minimum standards.

Michigan is compliant with the Real ID Act. Federal agencies can accept driver’s licenses and identification cards from Michigan at Federal facilities

Penalties for Driving Without Insurance

The penalties for driving without insurance in Michigan are as follows: $200 to $500 fine and/or imprisonment for one year or less; (depending on severity); license suspension for 30 days or until proof of insurance; $25 service fee to Secretary of State. The judgment is usually up to the police officer or the legislature later on in court.

Michigan allows different types of proof of insurance, which include the original paper copy and electronic evidence as well. As long as your proof of insurance displays the following things, it is usually accepted:

  • Make
  • Model
  • Year
  • Safety Rating
  • Value
  • Your name and the name of any other drivers under that policy
  • Expiration date

As long as you have this, you will never run into any issues.

Teen Driver Laws

Teens are inexperienced drivers and have to learn as they go on the road. Some are reckless and speed everywhere, while others are too scared to get behind the wheel at all.

Michigan, like most states, eases teens into the process of driving alone. First, when they are 16 they must have a driving permit for a year, then when they turn 17 must drive with a parent at night for six months, then finally no restrictions except for some minor passenger laws.

This has been proven to help causes a little, but teens are still the highest risk drivers on the road. This is why their car insurance is so much higher than any other age.

Older Driver License Renewal Procedures

Older drivers can be very dangerous. It is a heavily debated topic as to how often older people must renew their licenses and how long they should be able to drive in general.

Each state has general laws that state how long between renewals you have, and vision test requirements.

In Michigan, licenses are renewed every four years. Vision must be tested every time you renew in person and must be renewed every other year in person.

Many believe this not to be strict enough for the elderly.

New Residents

New residents are always welcome in pure Michigan. But if you are a new resident, we hope you did your homework on the expenses of car insurance in Michigan when you were also evaluating your home insurance options.

New residents are required to purchase insurance within 90 days, other than that all other laws apply to new residents as current residents. For minimum requirements, see the above sections.

License Renewal Procedures

As mentioned before, the state of Michigan requires your license to be renewed every four years. You must do it in person every other time it is renewed.

License renewal may be done by mail if a person is not on probation and does not have a prior driving record.

Rules of the Road

Rules of the roads we drive on can get a bit complex. Here’s a comprehensive look at some of the most important, so you can be sure you know them.

Some are straight forward and act as a reminder while others are things drivers often forget and need be repeated. For most road laws, the IIHS website is a convenient place to visit.

Fault Vs. No-Fault

As mentioned previously, Michigan is a no-fault state. Meaning, when it comes to an accident no matter who is at fault insurance provides personal injury protection with no maximum limit for any injuries that occur.

Instead of whoever is at fault paying for everything; drivers have insurance to cover their own injuries and damage rather than the other person doing everything.

At-fault insurance means a driver is responsible for damages in an accident where they are found at fault.

Seat Belts and Car Seat Laws

Seat belts are an important part of road safety. They save countless lives every day. In Michigan, it is required for the driver and all front-seat passengers age 16 and older to wear a seat belt.

Violation of the seat belt law is a basic offense which usually results in a warning or a citation.

According to AAA, Riding in the cargo area of a pickup truck is not permitted for persons under age 18 unless the vehicle is moving under 16 mph.

Keep Right And Move Over Laws

The keep right law states that slower traffic must keep right in all instances. This is not only for safety for all drivers but also to keep the flow of traffic moving and limit commutes.

The move over law states that if you are in the left lane and a car comes up behind you going faster than you are, that you must switch lanes. Just like the keep right law, this keeps traffic moving at a much faster pace.

In most states, if an official finds you disobeying these laws it can result in up to a $200 ticket.

Speed Limits

In Michigan, on every highway (urban or rural) the speed limit is 70 for cars and 65 for semi-trucks. On regular roads, the speed limit is 55 unless otherwise posted.

In residential neighborhoods, like most of the neighborhoods in the U.S., the speed limit is 30.

Ridesharing

There are not many laws against ridesharing unless there is a carpool lane which will be marked by a diamond.

Uber and Lyft are becoming very popular; the only thing to worry about with those is to assure the driver is properly insured. If you are driving for a ridesharing service, some companies will not insure you when you are doing so. Be careful what company covers what if you plan on being a rideshare driver.

In Michigan, most major insurers cover ridesharing. Here is a list of the ones who do:

  • Allstate
  • Farmers
  • Liberty Mutual
  • State Farm
  • USAA

Automation On The Road

With the technological advances of the 21st century, there has been more and more talk about automated cars. In Michigan, automated cars are allowed to be on the road, depending on the vehicle, but the operator must be licensed and insured.

Safety Laws

The main goal of the Department of Transportation is to ensure the safety of the road for drivers. This next section covers some of the laws that the Michigan DOT is always keeping track of.

DUI Laws

The DUI laws from state to state are generally very similar. The legal limit is 0.08 BAC as in almost every state, although some are even serving out fines for “buzzed” driving at 0.05. Some do have minor changes though so here is some data on the DUI laws in Michigan.

  • 1st Offense
    • Five days in jail, six points on license, up to $500 in fines
  • 2nd Offense
    • One year revoked the license, up to one year jail time, up to $1000 in fines
  • 3rd Offense
    • Five years revoked the license, 1-5 years in jail, upwards of $10,000 in fines

Driving under the influence is a severe crime and cannot be taken lightly. Responsibilty.org help people to realize the devastating statistics behind it.

Marijuana Impaired Driving Laws

In Michigan, there is zero-tolerance for marijuana-impaired driving. It can result in a large citation amount and possible arrest. It has been proven to slow your brains reflexes down; hence, the law was invented.

Distracted Driving Laws

Distracted driving can be the most dangerous form of driving. Form texting and driving to shaving your face while driving; it is all able to be penalized in Michigan.

Texting and driving are totally prohibited in the state. Handheld cell phone use is banned for learner’s permit and intermediate license holders, although in certain cities like Detroit and Troy, they have prohibited using handheld cell phones while driving completely.

Driving in Michigan

Driving is becoming more and more dangerous throughout the United States. There are more DUI’s, fatalities, and accidents every year. There is a consistent trend in the wrong direction. In Michigan, there are more uninsured drivers than any other state.

So, how do you keep yourself and your loved ones safe? How do you keep your insurance rates falling and not becoming a statistic? Knowing the information is always the answer. But it can be hard to make sense of it all.

In this section, we’ll break down the stats, facts, and how to keep yourself in the know, so you have the ability to drive safely in Motown.

Vehicle Theft in Michigan

Theft is more prevalent in certain cities, so state data can sometimes be a bit skewed. However, the amount of thefts is always telling.

Rank in MichiganVehicleYear of VehicleNumber of Thefts
1Chevrolet Impala2008733
2Chevrolet Pickup (Full Size)1999585
3Ford Pickup (Full Size)2006530
4Dodge Caravan2003528
5Dodge Charger2015477
6Chevrolet Trailblazer2007462
7Chevrolet Malibu2013451
8Pontiac Grand Prix2004418
9Jeep Cherokee/Grand Cherokee2000407
10Ford Fusion2014355
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This table shows the top 10 most stolen vehicles in the entire state. Coming in at number one is the 2008 Chevy Impala which was reported stolen 733 times.

Wondering how your city ranks for stolen vehicles? Search by city name below to find the FBI‘s 2017 vehicle theft statistics.

Road Fatalities in Michigan

In Michigan, according to IIHS, of the 9.9 million people in Michigan, there were 939 fatal crashes, and 1,030 people died.

In the United States as a whole, there were 34,247 fatal motor vehicle crashes in 2017 in which 37,133 deaths occurred.

Here’s a look at the most common causes of accidents and what we know about them, drawn from the NHTSA’s Traffic Safety Facts report and state-by-state statistics.

Fatalities By Road Conditions

Weather ConditionDaylightDark, but LightedDarkDawn or DuskOther / UnknownTotal
Normal413140195302780
Rain2927273086
Snow/Sleet228144048
Other7671021
Unknown002024
TOTAL471181245384939
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Road and weather conditions are more often than not a big factor when it comes to fatalities.

Especially in Michigan, where rain, sleet, and snow are prevalent, weather conditions can cause deaths in an instant. Icey or frozen over roads are accidents waiting to happen. With such dangerous driving conditions that often it is no wonder why Michigan has 245 fatalities due to rain and snow.

Fatalities By County

County to county fatalities ranges due to many variables. In some areas, there may be fewer street lights, and the road a=may be much curvier.

The counties in which there is a major highway running through it have the most fatalities due to the high rates of speed, and the sheer amount of drivers on the road.

Rural Vs. Urban Fatality Rates

In 2017, of the 1,030 fatalities in Michigan; 402 were in rural areas, and 628 were in urban areas.

Fatalities By Vehicle Type

In 2017, the most fatalities occurred in passenger cars at 38 percent of all fatalities. Motorcyclists made up 15 percent of all the fatalities in Michigan.

Motorcycle safety is something every person should be aware of. Looking more than once can save a motorcyclists life.

Fatalities By Crash Type

Crash Type20132014201520162017
Total Fatalities (All Crashes)*9479019671,0651,030
Single Vehicle523469536543519
Involving a Large Truck88987510788
Involving Speeding255235264245241
Involving a Rollover182182163174224
Involving a Roadway Departure464426484468429
Involving an Intersection (or Intersection Related)241233238322268
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Of the 1,030 fatalities in 2017, 519 were single-vehicle crashes. Four hundred twenty-nine involved a car running off the roadway completely.

Five-Year Trend For The Top 10 Counties

2017 RankingCountiesFatalities by Year    
20132014201520162017
1Wayne County171174190201161
2Kent County4855645769
3Oakland County5663678069
4Macomb County5346616342
5Washtenaw County3330272639
6Genesee County2933335038
7Kalamazoo County3616273538
8Ingham County1721172526
9Livingston County1519122223
10Monroe County2727131823
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Wayne County, Michigan is by far the most deadly than any other county. In 2017, the county had 161 deaths accounting for 16 percent of the total fatalities in the state.

Fatalities Involving Speeding By County

Speeding is deadly for a driver and for everyone around the driver. Many accidents happen or are worsened because of speeding. In Michigan, of the 1,030 deaths in 2017, 241 of them were due to speeding.

Fatalities Involving an Alcohol-Impaired Drive-By County

In the United States in 2017, there were 10,874 alcohol-impaired driving deaths. Of those, Michigan had 311.

Teen Drinking and Driving

Drinking and driving are bad enough, but underage drinking and driving are starting to be seen more and more. In 2016, there were 194 underage drinking and driving arrests made by officials.

Transportation

The best way to get from place to place in any town in the world is by car. It is the most convenient mode of transportation as well. Michigan is known for its classic cars and auto shows. It’s known for its rich history in the auto industry, but DataUSA is here to give us facts about ownership, traffic, and carpooling.

Car Ownership

As in every city and every state in the nation, most households in Motor City own two cars. Owning just one car in Michigan is actually quite a bit higher than the nation’s average.

Commute Time

On average, employees in Michigan have a shorter commute time at 23.3 minutes than the normal US worker at 25.5 minutes.

Commuter Transportation

Also consistent with most cities in the United States, 80 percent of Michigan travels to work alone. While it is about 5 percent higher than the average, it is not abnormal.

Traffic Congestion in Michigan

Traffic in Michigan is actually not too bad. Detroit is ranked 146th on Inrix’s list of most traffic by the city in the entire world. It is ranked 27th in the United States.

Inrix also puts together an annual cost of congestion price for each city. Detroit is said to cost $926 a driver. This number includes extra gas, more oil changes, more tire changes, and more broken down cars.

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Conclusion

Motown is a place built on the American dream. By the 1920’s Detroit was one of the most popular cities in the world. It was industrialized and booming. Car manufacturers like the Ford Motor Company began to raise Michigan out of the depths.

Today, the history of automobiles that Michigan holds has no competition. It is a place of future car making, and classic car shows.

The state is notoriously expensive for car insurance, but with hope, you’ve learned something from this article that can help you out.

Want to rest easy knowing you have the best rate on your car insurance? Start shopping around by entering your zip code below right now.