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Average car insurance costs in Michigan. Here’s the bad news: Michigan is almost always ranked as the most expensive state in the country when it comes to car insurance costs. While the national average for car insurance is usually between $1,200 and $1,300 per year, Michigan’s average annual cost for standard auto insurance is known to top $2,200.
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Less than 10 miles from Detroit, Dearborn is the second most expensive place for auto insurance in Michigan. Our driver from the medium sized city of 95,000 was quoted $4,993 per year. The ten mile buffer zone from Detroit dropped prices by about 12%.
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