Michigan's high-cost market — one of the most expensive states nationally.
According to the NAIC Auto Insurance Database Report (2022 data), the statewide average auto insurance expenditure per insured vehicle in Michigan was approximately $1,562/year. This is a state-level average — not a city-specific figure. Source: NAIC Auto Insurance Database Report (naic.org).
Michigan Department of Insurance and Financial Services — licenses carriers and agents in Michigan, reviews rate filings, and handles consumer complaints.
Michigan Department of Insurance and Financial Services — official site
Verify carrier licenses and complaint data nationally at naic.org/cis (NAIC Consumer Information Source).
Michigan is a no-fault state. Personal Injury Protection (PIP) coverage is mandatory — your own PIP pays your medical costs regardless of fault.
We've ranked auto insurance carriers for 2026 against ClearValue's published methodology.
See best auto insurance companies 2026 — editorial picks