Michigan vs New York Car Insurance

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

Quick Verdict

More Affordable

New York is $380/yr cheaper on average.

Fewer Uninsured

New York has a lower uninsured rate (6.1% vs 19.4%).

Rate & Coverage Comparison

Attribute	Michigan	New York
Avg Annual Premium	$2,700	$2,320
Min Liability	$890	$760
Full Coverage	$2,700	$2,320
Fault System	No-Fault	No-Fault
Uninsured Rate	19.4%	6.1%
Registered Vehicles	8,263,139	16,564,819
Accidents/Year	123,947	248,472
Population	10,077,000	20,201,000

Minimum Coverage Requirements

Michigan

50/100 / 10 liability

New York

25/50 / 10 liability

Premium Comparison

Michigan$890 – $2,700

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

New York$760 – $2,320

Liability: $760Avg: $2,320Full: $2,320

MichiganFull rates, age breakdown, requirements →New YorkFull 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 New York?

New York has cheaper car insurance, with an average annual premium of $2,320 compared to $2,700 in Michigan - a difference of $380 per year.

How do Michigan and New York compare on fault systems?

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

What are the minimum insurance requirements in Michigan vs New York?

Michigan requires 50/100 / 10 liability. New York requires 25/50 / 10 liability. Minimum liability costs $890/yr in Michigan and $760/yr in New York.

Which state has more uninsured drivers, Michigan or New York?

Michigan has a higher uninsured driver rate at 19.4%, compared to 6.1% in New York. Higher uninsured rates typically mean higher uninsured motorist coverage costs.

Where does the Michigan vs New York 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

New York

Avg Annual Premium

$2,700

$2,320

Min Liability

$890

$760

Full Coverage

$2,700

$2,320

Fault System

No-Fault

Uninsured Rate

19.4%

6.1%

Registered Vehicles

8,263,139

16,564,819

Accidents/Year

123,947

248,472

Population

10,077,000

20,201,000