Michigan Car Insurance Calculator

Due to Michigan’s congested roads and extreme winter weather, its car accident rates are among the highest nationwide. Furthermore, an uninsured rate that’s much higher than average means rates can skyrocket for drivers who do carry coverage – our Michigan car insurance calculator allows for you to estimate these costs using location information, coverage level options and more to give an idea of the costs involved in insuring your vehicle.

Michigan car insurance costs will depend on which tier of coverage and driving history you select, with liability-only policies typically being less costly while comprehensive plans with low deductibles tend to cost more. Our Michigan car insurance calculator will assist in estimating average costs per option so that you can confidently make a purchase decision.

As a no-fault state, Michigan mandates drivers carry at least the minimum bodily injury liability and personal injury protection coverage to cover their own medical expenses regardless of who caused an accident. Unfortunately, the system combined with higher theft rates and longer driving hours causes Michigan premiums to be 121% more expensive than national average premiums.

Michigan drivers of various ages face significant impact from age on insurance premiums, with younger drivers typically incurring the highest rates, though rates usually start decreasing at 25 and continue to do so as experience builds behind the wheel. It is worthwhile comparing insurance providers across various age categories in order to find those offering cheaper policies.

Car insurance carriers consider your credit score when setting premiums; those with strong scores typically pay lower premiums; whereas, those with poorer ratings often incur greater premium costs for coverage.

Your vehicle type, model year and mileage all play an impactful role in Michigan auto insurance rates. An older, higher mileage car will cost more to insure; newer and safer models tend to have lower premiums compared to exotic or luxury ones.

Driving style also affects car insurance premiums; more aggressive driving styles will increase risk. Drivers with multiple moving violations and speeding tickets typically see premiums jump by 29 percent according to Bankrate research; therefore it is vital that drivers maintain clean records by avoiding major infractions.