How Much Does Umbrella Insurance Cost in Michigan?
Michigan pricing is near the national average. Updated for 2026.
Umbrella Insurance Pricing in Michigan
In Michigan, the average cost for umbrella insurance is $23 per month, which is 8% lower than the national average of $25. Most Michigan residents pay between $14 and $46.
Michigan has costs that track closely with the national average, though prices can still vary between urban and rural areas within the state.
Umbrella insurance provides additional liability coverage beyond your home and auto insurance limits. It protects your assets if you're sued for more than your base policies cover.
Michigan vs National Average
What Affects Umbrella Insurance Cost in Michigan?
Coverage
$1M policy: $15-$25/month. $2M: $20-$35/month. $5M: $30-$50/month
Risk
Pool, rental properties, teen drivers, and certain dog breeds increase premiums
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💡 Tips to Save on Umbrella Insurance in Michigan
- 1.Bundle with your home and auto for the best rate
- 2.$1M in coverage is very affordable — the most common starting point
- 3.Compare between your current insurer and others
- 4.Higher underlying limits on home/auto can lower umbrella costs
📈 Umbrella Insurance in Michigan Cost Trends (2020–2024)
Prices have increased +21.1% over the last 5 years
| Year | National Avg | YoY Change |
|---|---|---|
| 2020 | $19 | — |
| 2021 | $20 | +5.3% |
| 2022 | $21 | +5.0% |
| 2023 | $22 | +4.8% |
| 2024 | $23 | +4.5% |
Based on national averages adjusted for annual inflation. Actual costs vary by location and project scope.
💬 What Did You Pay?
Real costs reported by homeowners for Umbrella Insurance in Michigan
Recent Reports
Frequently Asked Questions
Who needs umbrella insurance?
Anyone with assets to protect. If your net worth exceeds your home and auto liability limits, umbrella insurance is a smart, affordable way to protect yourself from lawsuits.
Umbrella Insurance Cost in Other States
Related Cost Guides for Michigan
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