Receive Michigan vehicle insurance quotes from multiple companies. Compare auto insurance rates and save.

Enter your zipcode for
a FREE auto Insurance
Quote


Zipcode 
Are you insured?

Average Auto Insurance

What is the average rate paid by people for insurance in Michigan? It certainly is a common question asked by policy holders. The answer to that question will lie in where your location is.

To start off, Yes, There is a national figure for the average rate of insurance. The National Association of Insurance Commissioners yearly publishes reports on the National expenditure. However, relying on this in determining what you should be paying is not a good idea. In determining the average rate it is better that you consider the rates in the area in which you reside in. There are yearly reports on the insurance figures per state and cities. Unsurprisingly, insurance rates vary with location. This is because factors such as population, crime rate and accident ratio vary with each given location. Insurance companies use these factors in calculating rates.

A person living in a low density area for instance would undoubtedly pay lower rates than an individual who lived in a heavily populated city. Insurance companies reflect the perceived/calculated risk in their rates. The higher the risk, the higher the rate.

In deciding how much you should expect to pay, it is important that you take into consideration the area in which you want to settle in. Recent estimates of Washington DC put the average rate at a thousand dollars. This is significantly higher than areas like Nebraska, Kansas and North Dakota where you can get rates for as low $500. Whilst you might expect areas like North Carolina to have low rates, certain factors like its propensity for hurricanes, increases its risk factor and premiums accordingly.

People that live in State capitals will generally pay more insurance than those who live in the country side. In 2006, whilst the average income for Michigan was estimated to be $980, the average for Detroit was as high as $5000. The cities of Philadelphia and Los Angeles had averages topping $3000 despite a state estimated average of $850.

Given the vast discrepancies, it is therefore important that, in using average figures, you use the figures involved in your area. Depending on the figures found in Norfolk when you live in Hempstead will give you misinformed complacency of what to expect.

To get the best prices available to you in your area do some research before choosing a provider. Comparing prices between the insurance companies in your area will keep you better informed on what to expect. Your rates can further be dropped by employing effective methods. For instance, Companies provide various discounts and by careful planning, it is possible to make full benefits of these options.

Compare Auto Insurance Quotes for Michigan

Alcona County Auto Insurance
Lake County Auto Insurance
Alger County Auto Insurance
Lapeer County Auto Insurance
Allegan County Auto Insurance
Leelanau County Auto Insurance
Alpena County Auto Insurance
Lenawee County Auto Insurance
Antrim County Auto Insurance
Livingston County Auto Insurance
Arenac County Auto Insurance
Luce County Auto Insurance
Baraga County Auto Insurance
Mackinac County Auto Insurance
Barry County Auto Insurance
Macomb County Auto Insurance
Bay County Auto Insurance
Manistee County Auto Insurance
Benzie County Auto Insurance
Marquette County Auto Insurance
Berrien County Auto Insurance
Mason County Auto Insurance
Branch County Auto Insurance
Mecosta County Auto Insurance
Calhoun County Auto Insurance
Menominee County Auto Insurance
Cass County Auto Insurance
Midland County Auto Insurance
Charlevoix County Auto Insurance
Missaukee County Auto Insurance
Cheboygan County Auto Insurance
Monroe County Auto Insurance
Chippewa County Auto Insurance
Montcalm County Auto Insurance
Clare County Auto Insurance
Montmorency County Auto Insurance
Clinton County Auto Insurance
Muskegon County Auto Insurance
Crawford County Auto Insurance
Newaygo County Auto Insurance
Delta County Auto Insurance
Oakland County Auto Insurance
Dickinson County Auto Insurance
Oceana County Auto Insurance
Eaton County Auto Insurance
Ogemaw County Auto Insurance
Emmet County Auto Insurance
Ontonagon County Auto Insurance
Genesee County Auto Insurance
Osceola County Auto Insurance
Gladwin County Auto Insurance
Oscoda County Auto Insurance
Gogebic County Auto Insurance
Otsego County Auto Insurance
Grand Traverse County Auto Insurance
Ottawa County Auto Insurance
Gratiot County Auto Insurance
Presque Isle County Auto Insurance
Hillsdale County Auto Insurance
Roscommon County Auto Insurance
Houghton County Auto Insurance
Saginaw County Auto Insurance
Huron County Auto Insurance
Saint Clair County Auto Insurance
Ingham County Auto Insurance
Saint Joseph County Auto Insurance
Ionia County Auto Insurance
Sanilac County Auto Insurance
Iosco County Auto Insurance
Schoolcraft County Auto Insurance
Iron County Auto Insurance
Shiawassee County Auto Insurance
Isabella County Auto Insurance
Tuscola County Auto Insurance
Jackson County Auto Insurance
Van Buren County Auto Insurance
Kalamazoo County Auto Insurance
Washtenaw County Auto Insurance
Kalkaska County Auto Insurance
Wayne County Auto Insurance
Kent County Auto Insurance
Wexford County Auto Insurance
Keweenaw County Auto Insurance
Enter your zipcode for
your FREE Insurance
Quote

Zipcode 
Are you insured?


Atlanta | Boston | Chicago | Denver | Las Vegas | Los Angeles | Miami | Orlando | Phoenix | San Diego | San Francisco | Seattle
AL - AK - AZ - AR - CA - CO - CT - DE - FL - GA - HI - ID - IL - IN - IA - KS - KY - LA - ME - MD - MA - MI - MN - MS - MO - MT - NE
NV - NH - NJ - NM - NY - NC ND - OH - OK - OR - PA - RI - SC - SD - TN - TX - UT - VT - VA - WA - WV - WI - WY


Service may not be free in all areas
Copyright ©2025 OpenAuto, Inc., except vehicle information . All Rights Reserved.