Michigan Auto Insurance Rates
Median premium: $1,281/6mo across 10 carriers and 1,159 ZIP codes.
Premiums range from $769 to $1,876 — a 2.4x spread. Based on SERFF regulatory rate filings — updated March 2026.
Overall Median
$1,281
per 6 months
ZIP Codes
1,159
with rate data
Carriers
10
rated in MI
Price Spread
2.4x
cheapest to most expensive
Carrier Rankings
All carriers sorted by median 6-month premium. Bar shows relative premium level.
| # | Carrier | Median 6-Mo | Relative Cost | #1 Cheapest In | % of ZIPs |
|---|---|---|---|---|---|
| 1 | USAA | $900 | 1,159 ZIPs | 100% | |
| 2 | Auto-Owners | $1,125 | 0 ZIPs | 0% | |
| 3 | State Farm | $1,150 | 0 ZIPs | 0% | |
| 4 | Allstate | $1,224 | 0 ZIPs | 0% | |
| 5 | Farmers | $1,250 | 0 ZIPs | 0% | |
| 6 | Progressive | $1,312 | 0 ZIPs | 0% | |
| 7 | Nationwide | $1,375 | 0 ZIPs | 0% | |
| 8 | GEICO | $1,386 | 0 ZIPs | 0% | |
| 9 | Travelers | $1,400 | 0 ZIPs | 0% | |
| 10 | Liberty Mutual | $1,438 | 0 ZIPs | 0% |
1
$900USAA#1 in 1,159 ZIPs (100%)
2
$1,125Auto-Owners#1 in 0 ZIPs (0%)
3
$1,150State Farm#1 in 0 ZIPs (0%)
4
$1,224Allstate#1 in 0 ZIPs (0%)
5
$1,250Farmers#1 in 0 ZIPs (0%)
6
$1,312Progressive#1 in 0 ZIPs (0%)
7
$1,375Nationwide#1 in 0 ZIPs (0%)
8
$1,386GEICO#1 in 0 ZIPs (0%)
9
$1,400Travelers#1 in 0 ZIPs (0%)
10
$1,438Liberty Mutual#1 in 0 ZIPs (0%)
Geographic Insights
Cheapest Cities in Michigan
| City | Avg Median | ZIPs |
|---|---|---|
| Flint | $769 | 17 |
| Burton | $769 | 3 |
| Lansing | $769 | 22 |
| Baroda | $769 | 1 |
| Berrien Center | $769 | 1 |
Most Expensive Cities in Michigan
| City | Avg Median | ZIPs |
|---|---|---|
| White Pigeon | $1,672 | 1 |
| Watervliet | $1,672 | 1 |
| Vicksburg | $1,672 | 1 |
| Vermontville | $1,672 | 1 |
| Vandalia | $1,672 | 1 |
ZIP Code Extremes
Most Expensive ZIP
$1,672/6mo
49099 (White Pigeon)
Cheapest ZIP
$769/6mo
48501 (Flint)
2.4x
Price Spread
The most expensive ZIP in Michigan costs 2.4x more than the cheapest. Your ZIP code matters more than you think.
Michigan Auto Insurance FAQ
ZIP Code Lookup
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All carriers in Michigan
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Access ZIP-level rate data across all 10 carriers, 1,159 ZIP codes, multiple vehicles, and 3 coverage tiers. Updated within days of each new filing.
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