Michigan vs Minnesota Car Insurance

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

Quick Verdict

More Affordable

Minnesota is $1,140/yr cheaper on average.

Fewer Uninsured

Minnesota has a lower uninsured rate (7.9% vs 19.4%).

Rate & Coverage Comparison

Attribute	Michigan	Minnesota
Avg Annual Premium	$2,700	$1,560
Min Liability	$890	$510
Full Coverage	$2,700	$1,560
Fault System	No-Fault	No-Fault
Uninsured Rate	19.4%	7.9%
Registered Vehicles	8,263,139	4,679,740
Accidents/Year	123,947	70,196
Population	10,077,000	5,707,000

Minimum Coverage Requirements

Michigan

50/100 / 10 liability

Minnesota

30/60 / 10 liability

Premium Comparison

Michigan$890 – $2,700

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

Minnesota$510 – $1,560

Liability: $510Avg: $1,560Full: $1,560

MichiganFull rates, age breakdown, requirements →MinnesotaFull 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, Michigan or Minnesota?

Minnesota has cheaper car insurance, with an average annual premium of $1,560 compared to $2,700 in Michigan - a difference of $1,140 per year.

How do Michigan and Minnesota compare on fault systems?

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

What are the minimum insurance requirements in Michigan vs Minnesota?

Michigan requires 50/100 / 10 liability. Minnesota requires 30/60 / 10 liability. Minimum liability costs $890/yr in Michigan and $510/yr in Minnesota.

Which state has more uninsured drivers, Michigan or Minnesota?

Michigan has a higher uninsured driver rate at 19.4%, compared to 7.9% in Minnesota. Higher uninsured rates typically mean higher uninsured motorist coverage costs.

Where does the Michigan vs Minnesota 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

Michigan

Minnesota

Avg Annual Premium

$2,700

$1,560

Min Liability

$890

$510

Full Coverage

$2,700

$1,560

Fault System

No-Fault

Uninsured Rate

19.4%

7.9%

Registered Vehicles

8,263,139

4,679,740

Accidents/Year

123,947

70,196

Population

10,077,000

5,707,000