Kentucky vs Michigan Car Insurance

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

Quick Verdict

More Affordable

Kentucky is $500/yr cheaper on average.

Fewer Uninsured

Kentucky has a lower uninsured rate (13.8% vs 19.4%).

Rate & Coverage Comparison

Attribute	Kentucky	Michigan
Avg Annual Premium	$2,200	$2,700
Min Liability	$720	$890
Full Coverage	$2,200	$2,700
Fault System	No-Fault	No-Fault
Uninsured Rate	13.8%	19.4%
Registered Vehicles	3,694,920	8,263,139
Accidents/Year	55,423	123,947
Population	4,506,000	10,077,000

Minimum Coverage Requirements

Kentucky

25/50 / 25 liability

Michigan

50/100 / 10 liability

Premium Comparison

Kentucky$720 – $2,200

Liability: $720Avg: $2,200Full: $2,200

Michigan$890 – $2,700

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

KentuckyFull 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, Kentucky or Michigan?

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

How do Kentucky and Michigan compare on fault systems?

Kentucky 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 Kentucky vs Michigan?

Kentucky requires 25/50 / 25 liability. Michigan requires 50/100 / 10 liability. Minimum liability costs $720/yr in Kentucky and $890/yr in Michigan.

Which state has more uninsured drivers, Kentucky or Michigan?

Michigan has a higher uninsured driver rate at 19.4%, compared to 13.8% in Kentucky. Higher uninsured rates typically mean higher uninsured motorist coverage costs.

Where does the Kentucky 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

Kentucky

Michigan

Avg Annual Premium

$2,200

$2,700

Min Liability

$720

$890

Full Coverage

$2,200

$2,700

Fault System

No-Fault

Uninsured Rate

13.8%

19.4%

Registered Vehicles

3,694,920

8,263,139

Accidents/Year

55,423

123,947

Population

4,506,000

10,077,000