Homeowners Insurance Michigan

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Average Homeowners Insurance in Michigan: $743

Median Home Price in Michigan: $119,500

Michigan homeowners insurance rates in December 2013 stood at an average of $743 as compared to $0 in November 2013.

Insurance Premium Saving Tips in Michigan

  • Bundle your insurance:

    Bundling home and car insurance in Michigan with the same provider will have approximately $74 to $111 of savings in Michigan

  • Safety Systems:

    Having safety systems at home can save up to $130 in Michigan

  • New Home:

    If your home was built within the past 10 years in Michigan, you could save up to $149

  • Senior Discounts:

    Senior citizens (55 or older) in Michigan could save approximately $149

Homeowners insurance cost by coverage

Insurance rangeAverage homeowners insurance cost($)
$49,999 and Under631
$50,000 to $74,999601
$75,000 to $99,999618
$100,000 to $124,999661
$125,000 to $149,999695
$150,000 to $174,999730
$175,000 to $199,999758
$200,000 to $299,999830
$300,000 to $399,999986
$400,000 to $499,9991,187
$500,000 and Over1,911

Renters insurance cost by coverage

Insurance rangeAverage renters insurance cost($)
$13,999 and Under154
$14,000 to $19,999175
$20,000 to $25,999192
$26,000 to $31,999209
$32,000 to $37,999183
$38,000 to $43,999235
$44,000 to $49,999235
$50,000 to $74,999284
$75,000 to $99,999 350
$100,000 and Over492

Average homeowners insurance by county

CountyHome Insurance Cost
Montcalm County$620 to $842
St. Joseph County$626 to $849
Emmet County$658 to $898
Ontonagon County$607 to $823
St. Clair County$637 to $865
Cass County$636 to $868
Kalkaska County$621 to $845
Bay County$621 to $841
Kent County$643 to $870
Alger County$626 to $854
Washtenaw County$674 to $913
Macomb County$640 to $865
Arenac County$616 to $835
Oakland County$663 to $896
Ingham County$635 to $859
Genesee County$621 to $841
Kalamazoo County$643 to $871
Saginaw County$622 to $842
Huron County$619 to $841
Gratiot County$614 to $833
Iosco County$617 to $838
Mecosta County$627 to $851
Schoolcraft County$612 to $833
Van Buren County$632 to $858
Menominee County$618 to $841
Otsego County$629 to $855
Wayne County$620 to $839
Benzie County$648 to $884
Grand Traverse County$658 to $891
Chippewa County$621 to $844
Osceola County$618 to $839
Mackinac County$630 to $859
Branch County$623 to $845
Delta County$620 to $842
Alcona County$625 to $851
Luce County$611 to $830
Roscommon County$618 to $841
Clare County$612 to $830
Montmorency County$617 to $841
Lapeer County$644 to $875
Muskegon County$624 to $845
Allegan County$643 to $872
Crawford County$622 to $847
Livingston County$669 to $907
Berrien County$639 to $867
Lenawee County$633 to $859
Ionia County$628 to $852
Dickinson County$613 to $834
Baraga County$611 to $830
Tuscola County$621 to $842
Ogemaw County$618 to $841
Calhoun County$623 to $843
Monroe County$646 to $876
Antrim County$645 to $878
Ottawa County$651 to $882
Cheboygan County$629 to $854
Charlevoix County$648 to $882
Gogebic County$603 to $819
Hillsdale County$624 to $847
Presque Isle County$620 to $842
Missaukee County$624 to $848
Marquette County$634 to $861
Houghton County$613 to $832
Oceana County$624 to $849
Jackson County$629 to $854
Midland County$636 to $864
Leelanau County$691 to $942
Wexford County$623 to $846
Clinton County$652 to $885
Lake County$612 to $830
Iron County$607 to $825
Manistee County$627 to $852
Isabella County$632 to $858
Newaygo County$626 to $849
Gladwin County$624 to $849
Oscoda County$611 to $832
Shiawassee County$629 to $852
Sanilac County$622 to $844
Keweenaw County$614 to $848
Mason County$631 to $858
Alpena County$621 to $844
Eaton County$643 to $873
Barry County$640 to $869

Home Insurance Monthly Trends

The below graph compares Michigans home median prices against, renters and owners home insurance average rates in Michigan.

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