$2,130
Michigan county average (2024)
69 of 83
Counties with data
$3,158
Highest: Gratiot
$1,524
Lowest: Dickinson
Michigan counties by home insurance cost
All 69 natively covered Michigan counties, most expensive first (Escrow 2024). Click a column header to re-sort. “% of home value” is the annual premium divided by the county median home value.
| 1 | Gratiot | $3,158 | +53% | 1.70% |
| 2 | Allegan | $3,064 | +48% | 0.87% |
| 3 | Washtenaw | $2,975 | +44% | 0.70% |
| 4 | Chippewa | $2,830 | +37% | 1.41% |
| 5 | Gladwin | $2,741 | +32% | 1.42% |
| 6 | Livingston | $2,675 | +29% | 0.66% |
| 7 | Saginaw | $2,670 | +29% | 1.50% |
| 8 | Van Buren | $2,660 | +29% | 0.95% |
| 9 | Barry | $2,635 | +27% | 0.86% |
| 10 | Oakland | $2,559 | +24% | 0.68% |
| 11 | Shiawassee | $2,553 | +23% | 1.19% |
| 12 | Genesee | $2,517 | +22% | 1.26% |
| 13 | Montcalm | $2,478 | +20% | 1.02% |
| 14 | Menominee | $2,475 | +20% | 1.29% |
| 15 | Clinton | $2,473 | +20% | 0.77% |
| 16 | Monroe | $2,454 | +19% | 0.90% |
| 17 | Tuscola | $2,389 | +15% | 1.27% |
| 18 | Wayne | $2,386 | +15% | 1.32% |
| 19 | St. Joseph | $2,345 | +13% | 1.04% |
| 20 | Manistee | $2,306 | +11% | 0.85% |
| 21 | St. Clair | $2,293 | +11% | 0.87% |
| 22 | Cass | $2,283 | +10% | 0.83% |
| 23 | Sanilac | $2,278 | +10% | 1.09% |
| 24 | Newaygo | $2,249 | +9% | 0.86% |
| 25 | Ogemaw | $2,245 | +9% | 1.22% |
| 26 | Jackson | $2,195 | +6% | 0.96% |
| 27 | Berrien | $2,159 | +4% | 0.75% |
| 28 | Lenawee | $2,148 | +4% | 0.87% |
| 29 | Midland | $2,137 | +3% | 0.84% |
| 30 | Hillsdale | $2,119 | +2% | 0.97% |
| 31 | Ionia | $2,114 | +2% | 0.78% |
| 32 | Grand Traverse | $2,095 | +1% | 0.49% |
| 33 | Arenac | $2,084 | +1% | 1.24% |
| 34 | Iosco | $2,078 | 0% | 1.20% |
| 35 | Macomb | $2,069 | 0% | 0.75% |
| 36 | Leelanau | $2,067 | 0% | 0.31% |
| 37 | Charlevoix | $2,049 | -1% | 0.49% |
| 38 | Muskegon | $2,045 | -1% | 0.79% |
| 39 | Lapeer | $2,034 | -2% | 0.68% |
| 40 | Mackinac | $2,019 | -2% | 0.88% |
| 41 | Isabella | $2,016 | -3% | 0.85% |
| 42 | Eaton | $2,010 | -3% | 0.76% |
| 43 | Oceana | $1,956 | -5% | 0.76% |
| 44 | Marquette | $1,940 | -6% | 0.73% |
| 45 | Kalkaska | $1,939 | -6% | 0.85% |
| 46 | Missaukee | $1,919 | -7% | 0.85% |
| 47 | Antrim | $1,875 | -9% | 0.52% |
| 48 | Delta | $1,869 | -10% | 0.92% |
| 49 | Kalamazoo | $1,866 | -10% | 0.66% |
| 50 | Crawford | $1,860 | -10% | 1.04% |
| 51 | Ottawa | $1,858 | -10% | 0.46% |
| 52 | Presque Isle | $1,856 | -10% | 0.83% |
| 53 | Huron | $1,822 | -12% | 0.91% |
| 54 | Kent | $1,815 | -12% | 0.50% |
| 55 | Clare | $1,812 | -12% | 1.07% |
| 56 | Roscommon | $1,807 | -13% | 0.93% |
| 57 | Ingham | $1,783 | -14% | 0.77% |
| 58 | Alpena | $1,770 | -14% | 0.91% |
| 59 | Cheboygan | $1,764 | -15% | 0.69% |
| 60 | Iron | $1,741 | -16% | 1.11% |
| 61 | Luce | $1,696 | -18% | 1.30% |
| 62 | Emmet | $1,679 | -19% | 0.37% |
| 63 | Oscoda | $1,677 | -19% | 1.14% |
| 64 | Bay | $1,664 | -20% | 0.88% |
| 65 | Alcona | $1,604 | -22% | 0.80% |
| 66 | Alger | $1,596 | -23% | 0.72% |
| 67 | Lake | $1,567 | -24% | 0.92% |
| 68 | Houghton | $1,556 | -25% | 0.79% |
| 69 | Dickinson | $1,524 | -26% | 0.82% |
Free to reuse with attribution (CC BY 4.0).
Methodology
Each county figure is the median annual homeowners insurance payment for owner-occupied homes with a mortgage escrow account, from data compiled by Benjamin Keys and Philip Mulder in NBER Working Paper 32579 (premiums through 2024). The Michigan average is a simple mean of the covered counties.
Escrow data reflects mortgaged, owner-occupied homes, so a few counties can be absent, and we publish only counties with a natively measured value. For the full methodology and the national picture, see the national home insurance by county report.
Cite or reuse this data
This dataset is offered under a Creative Commons Attribution 4.0 license (CC BY 4.0). Journalists and researchers are free to reuse the tables and the CSV in stories, charts, and reports, including commercially, as long as HearthMap is credited with a link. See the license page and the press kit.
Suggested citation
HearthMap, "Homeowners Insurance Costs by County in Michigan (2024)," https://hearthmap.app/home-insurance-by-county/michigan. Based on Keys and Mulder, NBER Working Paper 32579.
Home insurance in Michigan: frequently asked questions
- What is the average cost of homeowners insurance in Michigan?
- The average homeowners insurance premium in Michigan was $2,130 per year in 2024, a simple mean across the 69 counties with mortgage-escrow data (Keys-Mulder, NBER Working Paper 32579).
- Which Michigan county has the cheapest home insurance?
- Dickinson had the lowest average homeowners insurance premium in Michigan at $1,524 per year in 2024.
- Which Michigan county has the most expensive home insurance?
- Gratiot had the highest average homeowners insurance premium in Michigan at $3,158 per year in 2024.
- How many Michigan counties are in this dataset?
- 69 of 83 Michigan counties have a natively measured premium from mortgage-escrow data. Counties without enough escrowed mortgages are not shown.
Related
- Cheapest counties for home insurance in Michigan
- Home insurance by county, nationwide
- Interactive map of homeowners insurance cost
- Michigan cost of living, schools & demographics
Home insurance by county in other states:
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