Renters and home insurance rates in Michigan
The NAIC's published average premiums for Michigan by policy form, with Census ACS housing records for every county: renter households, median gross rent and median home value.
More
Figures are published averages, never quotes; methodology at the foot of the page.
- average renters premium (HO-4), per year
- $180
- average homeowners premium (HO-3), per year
- $1,056
- renter households
- 1,094,011
By county
By county
| Wayne County | 246,326 | $1,087 | $170,200 |
|---|---|---|---|
| Oakland County | 146,624 | $1,319 | $320,400 |
| Macomb County | 89,265 | $1,175 | $231,400 |
| Kent County | 75,547 | $1,176 | $265,700 |
| Washtenaw County | 57,268 | $1,400 | $353,000 |
| Genesee County | 48,510 | $936 | $172,900 |
| Ingham County | 47,154 | $1,058 | $187,500 |
| Kalamazoo County | 38,303 | $1,049 | $227,500 |
| Ottawa County | 23,657 | $1,148 | $291,200 |
| Saginaw County | 20,544 | $921 | $139,400 |
| Berrien County | 17,340 | $923 | $211,400 |
| Jackson County | 15,478 | $958 | $182,900 |
| Calhoun County | 14,740 | $937 | $151,500 |
| Muskegon County | 14,587 | $960 | $180,900 |
| St. Clair County | 12,963 | $999 | $213,900 |
| Monroe County | 11,777 | $1,017 | $215,700 |
| Eaton County | 11,623 | $1,042 | $206,700 |
| Bay County | 10,618 | $809 | $135,100 |
| Livingston County | 10,133 | $1,236 | $331,100 |
| Isabella County | 9,659 | $863 | $165,100 |
| Grand Traverse County | 9,294 | $1,215 | $296,200 |
| Lenawee County | 8,290 | $965 | $181,100 |
| Marquette County | 8,024 | $923 | $202,000 |
| Midland County | 7,529 | $974 | $184,300 |
| Allegan County | 6,273 | $1,065 | $247,000 |
| Van Buren County | 5,883 | $845 | $189,900 |
| St. Joseph County | 5,867 | $825 | $167,600 |
| Shiawassee County | 5,713 | $876 | $164,600 |
| Clinton County | 5,387 | $1,039 | $243,700 |
| Ionia County | 5,232 | $840 | $189,400 |
| Lapeer County | 4,835 | $959 | $229,100 |
| Montcalm County | 4,304 | $867 | $172,100 |
| Houghton County | 4,104 | $767 | $140,300 |
| Cass County | 4,103 | $870 | $205,200 |
| Mecosta County | 3,929 | $867 | $169,900 |
| Branch County | 3,809 | $900 | $147,500 |
| Chippewa County | 3,644 | $793 | $153,100 |
| Delta County | 3,398 | $698 | $146,800 |
| Barry County | 3,392 | $955 | $243,700 |
| Hillsdale County | 3,390 | $801 | $170,500 |
| Emmet County | 3,390 | $1,033 | $275,300 |
| Sanilac County | 3,202 | $814 | $162,200 |
| Tuscola County | 3,176 | $796 | $136,900 |
| Gratiot County | 3,069 | $808 | $136,800 |
| Mason County | 2,727 | $840 | $199,300 |
| Newaygo County | 2,641 | $882 | $178,300 |
| Alpena County | 2,620 | $660 | $137,800 |
| Wexford County | 2,501 | $877 | $160,300 |
| Huron County | 2,479 | $743 | $141,300 |
| Otsego County | 2,419 | $880 | $196,500 |
| Dickinson County | 2,156 | $744 | $130,300 |
| Charlevoix County | 2,117 | $929 | $242,800 |
| Menominee County | 1,962 | $675 | $142,700 |
| Iosco County | 1,958 | $659 | $122,900 |
| Roscommon County | 1,796 | $789 | $148,000 |
| Clare County | 1,677 | $743 | $117,400 |
| Cheboygan County | 1,612 | $822 | $175,200 |
| Ogemaw County | 1,594 | $828 | $138,600 |
| Oceana County | 1,524 | $768 | $167,600 |
| Osceola County | 1,478 | $764 | $139,600 |
| Manistee County | 1,459 | $820 | $166,600 |
| Antrim County | 1,434 | $920 | $222,500 |
| Gladwin County | 1,426 | $689 | $153,200 |
| Gogebic County | 1,349 | $577 | $99,700 |
| Mackinac County | 1,158 | $761 | $165,600 |
| Crawford County | 1,111 | $825 | $149,900 |
| Kalkaska County | 968 | $767 | $174,300 |
| Missaukee County | 939 | $838 | $163,700 |
| Lake County | 928 | $863 | $122,900 |
| Arenac County | 919 | $741 | $129,000 |
| Benzie County | 909 | $974 | $254,400 |
| Leelanau County | 891 | $1,223 | $406,900 |
| Iron County | 788 | $510 | $101,500 |
| Baraga County | 769 | $557 | $124,400 |
| Presque Isle County | 651 | $625 | $135,200 |
| Montmorency County | 592 | $811 | $142,000 |
| Schoolcraft County | 559 | $654 | $123,500 |
| Alger County | 549 | $712 | $165,700 |
| Alcona County | 530 | $790 | $157,500 |
| Luce County | 513 | $799 | $110,400 |
| Oscoda County | 486 | $675 | $126,000 |
| Ontonagon County | 379 | $571 | $101,000 |
| Keweenaw County | 90 | $679 | $181,400 |
Download the Michigan county-level dataset (CSV), free to reuse with citation.
Sources, citation and related pages
Cite or embed this figure
The average annual renters insurance premium in Michigan was $180 in 2022, across 1,094,011 renter households recorded in the HomeCover HQ Rates Index (NAIC premiums; Census ACS households).
Cite as: "HomeCover HQ Rates Index: Michigan", updated 2026-08-17, https://homecoverhq.com/rates/michigan/.