Which county in Michigan has the lowest homeowners insurance?

Dickinson has the lowest homeowners insurance in Michigan, at $1,524.

What is the homeowners insurance in Dickinson?

Dickinson is ranked #1 in Michigan for homeowners insurance, at $1,524.

How is this homeowners insurance ranking calculated?

Counties in Michigan are ranked by homeowners insurance cost (Keys-Mulder escrow dataset (NBER WP 32579), Escrow 2024), lowest first. Values describe the county, not an individual property. Source vintage is shown on the page.

Counties With the Cheapest Homeowners Insurance in Michigan (2026)

Full county table and CSV download: Home insurance by county in Michigan

Cheapest counties for homeowners insurance in Michigan

Top 25 of 83 counties with data.

Ranked by homeowners insurance cost (Keys-Mulder escrow dataset (NBER WP 32579), Escrow 2024), lowest first.

Cheapest counties for homeowners insurance in Michigan

Rank	County	Value
01	Dickinson$1,524 County page
02	Houghton$1,556 County page
03	Lake$1,567 County page
04	Alger$1,596 County page
05	Alcona$1,604 County page
06	Bay$1,664 County page
07	Oscoda$1,677 County page
08	Emmet$1,679 County page
09	Luce$1,696 County page
10	Iron$1,741 County page
11	Cheboygan$1,764 County page
12	Alpena$1,770 County page
13	Ingham$1,783 County page
14	Roscommon$1,807 County page
15	Clare$1,812 County page
16	Kent$1,815 County page
17	Huron$1,822 County page
18	Presque Isle$1,856 County page
19	Ottawa$1,858 County page
20	Crawford$1,860 County page
21	Kalamazoo$1,866 County page
22	Delta$1,869 County page
23	Antrim$1,875 County page
24	Missaukee$1,919 County page
25	Kalkaska$1,939 County page

How this ranking works

This page ranks Michigan counties by homeowners insurance cost, sorted so the cheapest places appear first. Click any county to see its housing, schools, crime, and demographics in detail.

For homeowners insurance, a lower value is generally more favorable, so the top of the list is the lowest. Want to weigh homeowners insurance against schools, taxes, commute, and more at once? Use the live map to build a custom match.

Data comes from public sources. Source attribution and the exact data vintage are shown above and on the full map of homeowners insurance cost.

Frequently asked questions

Which county in Michigan has the lowest homeowners insurance?: Dickinson has the lowest homeowners insurance in Michigan, at $1,524.
What is the homeowners insurance in Dickinson?: Dickinson is ranked #1 in Michigan for homeowners insurance, at $1,524.
How is this homeowners insurance ranking calculated?: Counties in Michigan are ranked by homeowners insurance cost (Keys-Mulder escrow dataset (NBER WP 32579), Escrow 2024), lowest first. Values describe the county, not an individual property. Source vintage is shown on the page.