How Cities in Michigan Ranked Based on Car Insurance Costs

Michigan is the gateway to the midwest and the site of some of the most expensive auto insurance prices in the country. We analyzed over 50 towns and cities across the state to see where the most expensive auto insurance existed. We found a statewide average yearly premium cost of $2,920 for our sample driver. Detroit ranked as the most expensive, with costs that were nearly twice the state average in our study. The least expensive was Midland, which was 26% less expensive than the state average.

Table of Contents 

Least Expensive 

The least expensive cities in our study are located across the state, but generally far away from Detroit, the most expensive city. The five cities are generally small to medium in size, and ranged from 26% to 24% less expensive than the state average.

Graph showing how the top five least expensive cities in Michigan for auto insurance stack up


Midland from Central Michigan is the least expensive city in our study. Home to over 42,000 people it was named one of the best small cities to raise a family in. Our sample driver was quoted a yearly premium of $2,166. 

Ann Arbor

Ann Arbor is the sixth largest city in Michigan, and the second least expensive on our list. Home to 115,000 and the University of Michigan Wolverines, it does come a slight surprise that a medium sized city with a large student population would have relatively inexpensive car insurance. Our sample driver/Wolverines fan, was given a yearly quote of $2,172. 


The charter township of Meridian is the third least expensive place for car insurance in Michigan. Our driver from the historical town of 40,000 was quoted $2,194 per year. 


Holland, our fourth least expensive, is a small city/large town with about 33,000 residents. Well known for its for its Dutch heritage, about one million tourists visit the City of Holland for its Tulip Time Festival. Our sample driver was given a yearly premium of $2,209.


Wyoming, named after the New York county from whence most of its early inhabitants came and not the state, is the fifth least expensive place in Michigan. A suburb of Grand Rapids (the 12th least expensive city), is home to about 73,000. Our sample driver was quoted $2,216 per year, about 24% less than the state average.

Most Expensive 

The most expensive cities in our study are generally clustered around Detroit--constituting most of its suburban area. With the exception of Detroit, the size of the cities mirrors that of the least expensive as they are mostly small to medium in size. They ranged from 95% to 35% more expensive than the state average. 

Graph showing how the top five most expensive cities in Michigan for auto insurance stack up


The Motor City is the most expensive city for insurance in Michigan. The large city is home to 700,000 residents across its numerous neighborhoods which we discuss in closer detail below. Our driver received an average premium of $5,706 per year, an astounding 95% higher than the state average. 


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%. 


Southfield, located about 15 miles north of Detroit, is the third most expensive city in state. The commerical and corporate center is home to 72,000 residents. Our driver was quoted $4,443 per year, about 52% more expensive than the state average.


The charter township of Redford is another suburb of Detroit, and the fourth most expensive city on our list. Our driver was quoted $4,014 per year. 


The 'Vehicle City', Flint is the fifth most expensive place in Michigan. Flint is also the furthest from Detroit of all the expensive cities. Our driver from the city of 100,000 was quoted about $3,929 per year, about 35% more expensive than the state average. 

How Cost Differs in Detroit 

Michigan's premier city has several regions and neighborhoods that also have different prices for insurance. We looked at the different neighborhoods in Detroit and found the most expensive and inexpensive areas within the city. 

graph showing how different Detroit neighborhoods differ in cost of auto insurance

Unsurprisingly, the more centrally located neighborhoods such as Midtown are more expensive than the less central Detroit neighborhoods. Furthermore, the westside neighborhoods were less expensive than the East Side and Jefferson Corridor neighborhoods. 

How Cost Differs By Place in Michigan

In this study we analyzed 50 cities and towns across Michigan where we found a statewide average of $2,920 per year--based on our sample driver. The least expensive cities were generally scattered around the state while the most expensive were cities around Detroit and Detroit itself. 

Rank CityAverage Percent Difference From Average 
1 Midland $2,166 -26%
2 Ann Arbor $2,172 -26%
3 Meridian $2,194 -25%
4 Holland $2,209 -24%
5 Wyoming $2,216 -24%
6 Portage $2,233 -24%
7 East Lansing $2,240 -23%
8 Pittsfield $2,245 -23%
9 Kentwood $2,296 -21%
10 Battle Creek $2,326 -20%
11 Bay City $2,337 -20%
12 Grand Rapids $2,379 -19%
13 Kalamazoo $2,398 -18%
14 Muskegon $2,429 -17%
15 Orion $2,519 -14%
16 Lansing $2,536 -13%
17 Rochester Hills $2,566 -12%
18 Independence $2,573 -12%
19 Novi $2,590 -11%
20 Commerce $2,591 -11%
21 Ypsilanti $2,593 -11%
22 Waterford $2,609 -11%
23 Canton $2,713 -7%
24 Troy $2,779 -5%
25 Livonia $2,820 -3%
26 Bloomfield $2,822 -3%
27 Grand Blanc $2,830 -3%
28 Macomb $2,841 -3%
29 West Bloomfield $2,852 -2%
30 St. Clair Shores $2,867 -2%
31 Farmington Hills $2,868 -2%
32 Shelby $2,882 -1%
Average  $2,920 0%
33 Royal Oak $2,922 0%
34 Chesterfield $2,945 1%
35 Saginaw $2,972 2%
36 Georgetown $3,026 4%
37 Clinton Charter Township $3,045 4%
38 Westland $3,130 7%
39 Sterling Heights $3,135 7%
40 Roseville $3,280 12%
41 Warren $3,356 15%
42 Taylor $3,414 17%
43 Lincoln Park $3,506 20%
44 Dearborn Heights $3,689 26%
45 Pontiac $3,819 31%
46 Flint $3,929 35%
47 Redford $4,014 37%
48 Southfield $4,443 52%
49 Dearborn $4,993 71%
50 Detroit  $5,706 95%

How We Conducted This Study

We collected quotes from over 20 insurance companies across 50 towns and cities in Michigan. Our driver was a 30 year old male who drove a 2011 Toyota Camry. To obtain quotes, we kept parameters for getting coverage the same, such as that he was single, and a clean driving record. The only parameter that changed was the zip code where he lived. The amount of coverage we opted for gave our driver bit more than what is required of state minimums. Below you can see the state required limits as well as the coverage used in our study.

Coverage TypeMichigan MinimumStudy Limits 
Bodily Liability  $20,000 per person / $40,000 per accident   $50,000 per person/ $100,000 per accident
Property Damage  $10,000 per accident  $50,000 per accident 
Uninsured/Underinsured Motorist BI None $50,000 per person/ $100,000 per accident 
Uninsured/Underinsured Motorist Property  None None
Personal Injury Protection (PIP) None None
Comprehensive & Collision None  $500 Deductible 

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