Homeowners insurance in Michigan: premium by ZIP code
Michigan's nonrenewal rate fell from 2.79% in 2018 to 0.94% in 2022; the median ZIP code paid $1,171 per policy.
Independent site, not an insurer or a broker. Treasury figures cover 2018 to 2022 only.
Premium per policy in 2022, Michigan (median ZIP code)
$1,171
Average paid per HO-3 or HO-5 policy, inflation-adjusted as published by the Treasury. At September 2026 prices: about $1,560.
| Change from 2018 to 2022, after inflation | -0.2% |
| Premium per policy in 2018 | $1,173 |
| Premium per policy in 2022 | $1,171 |
| 2022 premium carried to September 2026 (BLS index) | $1,560 |
| Policies not renewed by the insurer, 2022 | 0.94% |
| Claims paid per 100 policies, yearly average | 3.9 |
| Average claim paid, 2018 to 2022 (adjusted) | $14,903 |
| Cancelled for nonpayment, 2022 | 1.46% |
Treasury data stop in 2022. The September 2026 figure applies the national BLS price index to the 2022 value, read as 2022 dollars: an estimate, not a quote.
Compiled by Radif Partners · Where the numbers come from · 913 ZIP codes in 83 counties of Michigan in the Treasury file · not a quote
Michigan is a low-premium state in the Treasury file: its median ZIP code paid $1,171 per homeowners policy in 2022, ranked 44 of 51, and the figure did not move after inflation from 2018, -0.4%. What changed is renewals. In 2018 insurers declined to renew 2.79% of policies in the median ZIP code, one of the highest rates in the country; by 2022 the rate was 0.94%, a fall of about two thirds. Detroit's Wayne County paid $1,466 and Oakland County $1,499, both above the state median, while Kent County, Grand Rapids, paid $1,070. The cheapest ZIP codes were up north in Roscommon County, 48630 at $669. The paid loss ratio crept up to 44%. The Michigan Basic Property Insurance Association covers homes private insurers decline. The data stop in 2022.
Nonrenewals came down
The median nonrenewal rate went 2.79%, 2.34%, 1.66%, 1.25%, 0.94% from 2018 to 2022., falling every single year. The file does not give reasons, and an insurer's decision to stop writing a line or to transfer policies to an affiliate can show up as nonrenewals in one year. Whatever the cause, a Michigan homeowner in 2022 faced odds of a nonrenewal close to the national median, ranked 19 of 51.
Michigan odds over the coming renewals
Example, not your result yet· change a figure to see yours
Chance of at least one nonrenewal in 5 renewals, Michigan
4.6%
| Median ZIP rate in 2018 | 2.79% |
| National median ZIP, 2022 | 0.85% |
| Same horizon at the national rate | 4.2% |
| Michigan rank, 51 = lowest | 19 of 51 |
Detroit and the suburbs
Wayne County had 65 ZIP codes in the file and a median of $1,466 in 2022; Oakland County, with 68, had $1,499; both fell slightly after inflation. Macomb County paid $1,238. The dearest ZIP codes in the state were 48202 in Wayne County, around New Center, at $3,465, and 48302 in Oakland County, Bloomfield Hills, at $3,397. Inside Detroit, premiums vary a great deal from one ZIP code to the next, so the county median is only a starting point; the lookup gives each ZIP code with its five years.
West Michigan and the north
Kent County paid $1,070 after a change of -1.3%. In the northern Lower Peninsula, 48630 and 48627 in Roscommon County paid $669 and $766, among the lowest figures in the country, though many of the homes there are seasonal cottages. The cheapest tenth of Michigan ZIP codes paid under $935; the dearest tenth over $1,534.
Losses, basements and the plan of last resort
Paid claims averaged 3.9 per 100 policies a year, and the paid loss ratio rose from 36% to 44%. Southeast Michigan saw heavy flooding of basements in June 2021; sewer backup is excluded from most standard policies unless an endorsement is added, and surface flooding needs a flood policy. The Michigan Basic Property Insurance Association writes dwelling fire and HO-2, HO-3, HO-4 and HO-6 forms for homes declined elsewhere. The Michigan Department of Insurance and Financial Services handles complaints.
Michigan, year by year
| Year | Michigan median ZIP | National median ZIP | Nonrenewal rate | Claims per 100 policies | Paid loss ratio |
|---|---|---|---|---|---|
| 2018 | $1,173 | $1,445 | 2.79% | 3.6 | 36% |
| 2019 | $1,165 | $1,469 | 2.34% | 3.9 | 40% |
| 2020 | $1,163 | $1,491 | 1.66% | 3.3 | 36% |
| 2021 | $1,161 | $1,521 | 1.25% | 3.8 | 41% |
| 2022 | $1,171 | $1,551 | 0.94% | 4.1 | 44% |
The Michigan counties with the most ZIP codes in the file
| County | ZIP codes | Median 2018 | Median 2022 | Change | Nonrenewal 2022 | Average claim |
|---|---|---|---|---|---|---|
| Oakland County | 68 | $1,513 | $1,499 | -2.1% | 1.70% | $18,211 |
| Wayne County | 65 | $1,484 | $1,466 | -1.1% | 2.04% | $17,768 |
| Macomb County | 36 | $1,283 | $1,238 | +0.3% | 1.82% | $15,966 |
| Kent County | 27 | $1,090 | $1,070 | -1.3% | 0.83% | $12,113 |
| Genesee County | 21 | $1,346 | $1,353 | +0.5% | 1.34% | $16,698 |
| St. Clair County | 21 | $1,361 | $1,351 | -1.8% | 1.34% | $15,342 |
| Berrien County | 20 | $1,259 | $1,289 | +1.3% | 0.71% | $17,057 |
| Saginaw County | 19 | $1,262 | $1,238 | -0.8% | 0.98% | $13,739 |
Highest and lowest premiums per policy, Michigan ZIP codes, 2022
| ZIP code | County | Premium per policy | Change since 2018 | Nonrenewal 2022 |
|---|---|---|---|---|
| 48202 | Wayne County | $3,465 | +4.3% | 2.65% |
| 48302 | Oakland County | $3,397 | -3.4% | 1.99% |
| 48304 | Oakland County | $3,388 | -0.2% | 2.29% |
| 48214 | Wayne County | $3,374 | -3.6% | 3.22% |
| 49757 | Mackinac County | $3,276 | +11.4% | 0.00% |
| 48630 | Roscommon County | $669 | +10.7% | 0.00% |
| 48627 | Roscommon County | $766 | -4.7% | 1.12% |
| 48656 | Roscommon County | $790 | +1.2% | 0.74% |
| 49320 | Mecosta County | $799 | +0.0% | 0.00% |
| 49839 | Alger County | $802 | +0.3% | 0.99% |