average home insurance cost michigan

Author : Tanu Chouksey | Published On : 22 Aug 2026

The average home insurance cost  Michigan is around $2,200 to $2,500 per year, or roughly $185 to $210 per month, depending on the policy and coverage limits. Recent 2026 estimates vary by insurer and coverage amount. Factors such as your home’s location, age, replacement cost, claims history, deductible, and selected coverage can significantly affect your premium.