ValuePenguin researched insurance quotes for a sample 2,000 square foot home in 103 cities in the state of Michigan in order to determine which cities had the highest and lowest annual home insurance costs. Based on this sample property, Michigan homeowners pay on average $1,409 per year for home insurance. Our research shows that there are significant price differences between home insurance rates in different cities. Below we profile several cities in the state of Michigan and discuss our research findings. Read more below, or use our quote tool above to start finding the best homeowners insurance quotes.
- Cheapest Homeowners Insurance Companies
- Homeowners Insurance Rates in Michigan's Largest Cities
- Top 5 Best Cities for Home Insurance In Michigan
- Top 5 Most Expensive Cities for Home Insurance in Michigan
Cheapest Homeowners Insurance Companies in Michigan
We obtained quotes for our sample $200,000 house across 103 cities from State Farm, Allstate, Liberty Mutual and Farmers. We averaged quotes from each company across the 103 cities to find which companies had the most affordable homeowners insurance rates in Michigan. The graph below shows the average annual premiums for our sample 2,000 square foot home by company:
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Homeowners Insurance Rates in Michigan's Largest Cities
Our researchers evaluated homeowners insurance rates across the cities with the highest population in Michigan. Our study implemented constant variables to gather quotes that can be compared to one another. On average, the homeowners in the ten largest cities pay 33% more than the rest of the state on homeowners insurance. The average cost of insuring our sample home in these regions was $1,877 per year.
Detroit is the most populous city in the state of Michigan and the largest American city situated near the U.S.-Canada border. Detroit rose to prominence as a key manufacturing center for the American automotive industry. Detroit has been listed as the most unsafe city in the state of Michigan, which contributes to the high homeowners insurance rates in the area. Average home insurance costs in Detroit were found to be $3,923 per year, which is 178% more expensive than the state average.
Annual costs for home insurance vary widely by provider. If you're looking for cheap homeowners insurance in Detroit, we suggest starting with Liberty Mutual. They quoted an annual rate of $560 for homeowners insurance in Detroit, which provides $1,783 in savings over State Farm, the next cheapest option. Detroit ranked as the most expensive city for homeowners insurance of all the 103 cities in the research study.
Grand Rapids, MI
Grand Rapids is the second largest city in the state of Michigan. Plaster mining was the first industry established in Grand Rapids. The city would eventually evolve with lumber becoming a major export in the late 19th century, which led to Grand Rapids being dubbed “Furniture City”. Homeowners in Grand Rapids pay $1,010 for home insurance annually, on average. Home insurance rates in Grand Rapids are 28% lower than the state average.
Home insurance premiums in Grand Rapids vary widely by provider. Liberty Mutual quoted the best home insurance rate at $415 annually and Allstate quoted the highest at $1,391. Grand Rapids has the second most affordable home insurance rates in the state of Michigan.
Warren is the third largest city in the state of Michigan with an approximate population of 134,000. Warren is home to the General Motors Technical Center, which is listed on the National Register of Historic Places. Intersect 696 bisects the city and runs west to east. Based on our study, the average homeowners insurance quote in the city was $1,668. This figure represents an 18% premium when compared to the state average.
Liberty Mutual quoted the best home insurance rate in the city at $616 annually. State Farm offers the next cheapest quote, which is $731 more when compared to the quote offered by Liberty Mutual. Residents of Warren pay $259 more than the state average for home insurance.
Sterling Heights, MI
Sterling Heights is the fourth largest city in the state of Michigan. Sterling Heights is situated approximately 18 miles from Anchor Bay. The average annual home insurance cost in Sterling Heights was $1,277 per year, which is 9% lower than the state average.
Liberty Mutual quoted the most affordable home insurance rate in the city with an annual cost of $639. The average resident pays $132 less for home insurance when compared to the state average. Farmers offered the most expensive quote at $1,668 per year.
Lansing is the fifth largest city in the state and serves as the state capital. Lansing is named after the home village in New York of many early settlers to the area. The first capital of Michigan was initially Detroit, but was subsequently changed to Lansing in 1847. The city is situated approximately 90 miles northwest of Detroit. The average homeowners insurance rate in Lansing was $1,082, which is $327 less than the state average.
Allstate quoted the most expensive rate in Lansing at $1,850 annually. That is $1,339 more expensive than the quote of $511 provided by Liberty Mutual. On average, homeowners in Lansing save 23% on their home insurance when compared to the state mean.
Ann Arbor, MI
Ann Arbor is the sixth largest city in the state of Michigan with an approximate population of 114,000. The city is home to the University of Michigan, the region’s oldest university. The average home insurance quote for our sample home in Ann Arbor was $1,088, which is 23% more affordable than the state average.
Liberty Mutual quoted the best home insurance rate at $612 per year. The highest rate of $1,511 was offered by Allstate, which represents an $899 increase from the lowest rate provided by Liberty Mutual. Ann Arbor is the ninth most affordable city in the state of Michigan for home insurance.
Flint is the seventh largest city in the state. The city has deep ties to the auto industry, but was initially a major lumber producer for the area. Flint ranks as the second least affordable city for homeowners insurance in the state. Our study found that the average homeowners insurance premium in Flint was $2,987, which is $1,578 more than the state average.
Farmers offered the most expensive homeowners insurance quote in the city at $5,947. This is the second most expensive home insurance quote offered by any insurance company amongst the ten largest cities in the state. Liberty Mutual offered the lowest quote for our sample home at a cost of $758.
Dearborn is the eighth largest city in the state and the home of Henry Ford. Ford offered the city of Dearborn help with public sector projects. The population of Dearborn was positively impacted with the growth of the Ford Motor Company. We found the average annual home insurance cost to be $2,423. Dearborn’s home insurance costs are 72% more than the state average.
Home insurance rates offered in Dearborn vary by $3,046 amongst the companies in our study. The cheapest homeowners insurance rate in Dearborn was quoted by Liberty Mutual at $793 per year. The next most affordable option was quoted by State Farm at $2,207.
Livonia is the ninth largest city in the state. The city was once a city known for its farmland, but that changed in 1948 when General Ford Motors Corporation opened an automatic transmission plant in the area. This city has average homeowners insurance rates that are 1% lower than the state mean. Livonia residents pay on average $1,399 a year for homeowners insurance.
Liberty Mutual offered the best homeowners insurance quote in the city at a cost of $646. The second most affordable quote gathered was offered by State Farm at a cost of $1,208 annually. Farmers offered the most expensive quote at $2,097 per year, which is $1,451 more than Liberty Mutual.
Westland, the tenth largest city in the state of Michigan, was originally named Nankin Township. The name of the city was only changed after the establishment of the Westland Shopping Center. The average homeowners insurance rate in Westland was $1,911. The average annual rate for homeowners insurance in Westland was $502 higher than the state average of $1,409.
Farmers quoted the most expensive homeowners insurance rate in Westland at $3,900 annually. That is $3,145 more expensive than the quote provided by Liberty Mutual, the most affordable homeowners insurance quote in the area. Liberty Mutual quoted our sample home an annual home insurance rate of $755.
Least Expensive Homeowners Insurance in Michigan: by City
The graph below shows the five most affordable cities of all 103 cities which were part of this study. The cities are listed in order of average price starting with the lowest average home insurance quote and ascending. The figures listed in the graph represent the average home insurance rate in each city. Holland is the cheapest city in Michigan for homeowners insurance. Residents pay $990 annually on average, which is $419 lower than the state average.
Holland has the most affordable average home insurance quotes in the state of Michigan. The mean cost of home insurance in Holland was $990. This represents a discount of 30% when compared to the state average. Holland is the only city with an average quote below $1,000 in Michigan.
Grand Rapids, MI
Despite being the second largest city in the state, Grand Rapids offers affordable home insurance premiums. As previously mentioned, Grand Rapids is the second cheapest city in Michigan when it comes to homeowners insurance. The mean home insurance quote in the city was $1,010, which is 28% cheaper than the state average.
Niles ranks as the third most affordable city in Michigan for home insurance. The mean home insurance quote gathered for the city of Niles was $1,026, which is $383 less than the state average. On a percentage basis, this represents a 27% discount.
Bay City, MI
Bay City offers the fourth most affordable home insurance rates in the state of Michigan. Residents pay on average $1,044 per year, which is $365 less than the state average. The lowest rate in the city was offered by Liberty Mutual at $550.
Houghton is ranked the fifth least expensive city in Michigan for home insurance. On average, residents pay $1,071 for home insurance, which represents a 24% lower rate when compared to the state mean. On an annual basis, residents save $338 on homeowners insurance versus the state average.
Most Expensive Homeowners Insurance in Michigan: by City
The graph below displays the five most expensive cities for home insurance in Michigan of all 103 cities which were part of this study. The cities are listed in order of price starting with the highest average rate and descending. The figures listed represent the average home insurance rate in each city. The most expensive city for homeowners insurance was Detroit where our research found an average annual rate of $3,923, which is $2,514 higher than the state average.
We studied 103 cities, spread out geographically all throughout Michigan. The sample home we looked at was built in the year 2000 and had 2,000 square feet. Quotes for the $200,000 home were obtained from State Farm, Allstate, Liberty Mutual and Farmers insurance companies. The rates were then averaged to arrive at a mean value for each city. To see an alphabetical list of all the cities included in the comparison analysis, please see below. We've displayed all cities from Adrian to Ypsilanti with the average annual cost of insurance for the benchmark property and how much each city costs relative to the statewide average.
|Rank||City||Average Insurance Rate||Cost Compared to Average|
|86||Grosse Pointe Farms||1,583||12%|
|58||Sault Sainte Marie||1,385||-2%|