Florida vs Michigan Car Insurance

Side-by-side car insurance rate comparison based on data from NAIC & State DOI.

Quick Verdict

More Affordable

Florida is $200/yr cheaper on average.

Fewer Uninsured

Michigan has a lower uninsured rate (19.4% vs 20.4%).

Rate & Coverage Comparison

Attribute	Florida	Michigan
Avg Annual Premium	$2,500	$2,700
Min Liability	$820	$890
Full Coverage	$2,500	$2,700
Fault System	No-Fault	No-Fault
Uninsured Rate	20.4%	19.4%
Registered Vehicles	17,661,160	8,263,139
Accidents/Year	264,917	123,947
Population	21,538,000	10,077,000

Minimum Coverage Requirements

Florida

10/20 / 10 liability

Michigan

50/100 / 10 liability

Premium Comparison

Florida$820 – $2,500

Liability: $820Avg: $2,500Full: $2,500

Michigan$890 – $2,700

Liability: $890Avg: $2,700Full: $2,700

FloridaFull rates, age breakdown, requirements →MichiganFull rates, age breakdown, requirements →

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CarInsurancePeek Editorial TeamInsurance Data Specialists

The CarInsurancePeek editorial team aggregates and verifies car insurance rate data from NAIC & State DOI. Every statistic is cross-referenced against official state DOI filings before publication, with quarterly re-verification cycles.

Sourced from NAIC & State DOIQuarterly reviewNo paid placements

Read our full methodology or contact us with corrections.

Frequently Asked Questions

Which state has cheaper car insurance, Florida or Michigan?

Florida has cheaper car insurance, with an average annual premium of $2,500 compared to $2,700 in Michigan - a difference of $200 per year.

How do Florida and Michigan compare on fault systems?

Florida uses a no-fault system while Michigan uses a no-fault system. Both states use the same system.

What are the minimum insurance requirements in Florida vs Michigan?

Florida requires 10/20 / 10 liability. Michigan requires 50/100 / 10 liability. Minimum liability costs $820/yr in Florida and $890/yr in Michigan.

Which state has more uninsured drivers, Florida or Michigan?

Florida has a higher uninsured driver rate at 20.4%, compared to 19.4% in Michigan. Higher uninsured rates typically mean higher uninsured motorist coverage costs.

Where does the Florida vs Michigan insurance data come from?

All insurance rate data comes from NAIC & State DOI (2025). Premiums represent state-wide averages and individual rates vary based on driving history, age, vehicle, and coverage levels. Visit our methodology page for details.

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Attribute

Florida

Michigan

Avg Annual Premium

$2,500

$2,700

Min Liability

$820

$890

Full Coverage

$2,500

$2,700

Fault System

No-Fault

Uninsured Rate

20.4%

19.4%

Registered Vehicles

17,661,160

8,263,139

Accidents/Year

264,917

123,947

Population

21,538,000

10,077,000