Michigan auto insurance averages - $1,443.45 per year in 2023, ranked #12 of 51 states. NAIC Auto Insurance Database (June 2025 release).
Michigan sits above the 2023 national average expenditure; figures are NAIC Auto Insurance Database averages, not personal quotes.
| Year | Avg Expenditure | Liability Avg |
|---|---|---|
| 2023 Latest | $1,443.45 ▲7.8% | $765 |
| 2022 | $1,339.53 ▼0.2% | $775 |
| 2021 | $1,341.78 ▼5.5% | $818 |
| 2020 | $1,420.58 ▼5.2% | $903 |
| 2019 | $1,498.59 | $981 |
Evidence lead: Five-year movement
Michigan's strongest visible signal here is its gap to the national average expenditure. The cards below separate that level gap from change, annual shape, component mix, and registry coverage - descriptive only, not a quote.
Five-year movement
Michigan's -3.7% change ranks #51 of 51, placing it in the slowest-moving end of the 2019–2023 distribution. That result is an endpoint comparison, not evidence that every intervening year was flat. Annual direction and the latest one-year move are reported separately.
2023 cost position
Michigan sits at #12 of 51 with $1,443.45 in average expenditure. It is outside the top-ten extreme but remains in the upper portion of the 2023 distribution. The measure reflects the coverage mix actually purchased in the state, so it should be read as a market benchmark rather than a price prediction.
Coverage-component signature
Michigan's most distinctive 2023 component is collision: $569.83, or 33.5% above the 51-jurisdiction average of $426.80. This compares like-for-like component averages across jurisdictions. It does not treat liability, collision, and comprehensive as additive parts of average expenditure.
Year-by-year shape
Michigan has 3 declining annual steps and 1 rising steps in the four comparisons. The latest change is +7.8% from 2022 to 2023; the largest absolute step is +7.8% in 2023. The endpoint result should therefore be read as an uneven sequence, not a steady trend.
Substantial registry context
Michigan's separate complaint layer covers 48 companies with 6,767 recorded complaints. That is #22 for company breadth and #22 for record count across 51 jurisdictions—an upper-middle registry footprint. The totals are coverage denominators, not quality grades, and they are deliberately excluded from the state's expenditure calculation.
Nearest expenditure peers. By average expenditure, Michigan's closest peers in this dataset are Colorado ($1,452.82) and Texas ($1,428.94), both within a few dollars of Michigan's own $1,443.45.
Note on state comparisons: These averages reflect the mix of coverages purchased in Michigan, not what any individual consumer pays. Your personal premium depends on your driving record, vehicle, coverage limits, deductible, credit score (where permitted), and insurer.
Read our methodology - how this data is sourced, computed, and verified.
