Michigan vs Rhode Island Car Insurance

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

Quick Verdict

More Affordable

Rhode Island is $770/yr cheaper on average.

Fewer Uninsured

Rhode Island has a lower uninsured rate (15.6% vs 19.4%).

Rate & Coverage Comparison

Attribute	Michigan	Rhode Island
Avg Annual Premium	$2,700	$1,930
Min Liability	$890	$630
Full Coverage	$2,700	$1,930
Fault System	No-Fault	At-Fault (Tort)
Uninsured Rate	19.4%	15.6%
Registered Vehicles	8,263,139	899,540
Accidents/Year	123,947	13,493
Population	10,077,000	1,097,000

Minimum Coverage Requirements

Michigan

50/100 / 10 liability

Rhode Island

25/50 / 25 liability

Premium Comparison

Michigan$890 – $2,700

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

Rhode Island$630 – $1,930

Liability: $630Avg: $1,930Full: $1,930

MichiganFull rates, age breakdown, requirements →Rhode IslandFull 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 Rhode Island?

Rhode Island has cheaper car insurance, with an average annual premium of $1,930 compared to $2,700 in Michigan - a difference of $770 per year.

How do Michigan and Rhode Island compare on fault systems?

Michigan uses a no-fault system while Rhode Island uses a at-fault (tort) system. This difference in fault systems directly affects how claims are processed and can influence premium costs.

What are the minimum insurance requirements in Michigan vs Rhode Island?

Michigan requires 50/100 / 10 liability. Rhode Island requires 25/50 / 25 liability. Minimum liability costs $890/yr in Michigan and $630/yr in Rhode Island.

Which state has more uninsured drivers, Michigan or Rhode Island?

Michigan has a higher uninsured driver rate at 19.4%, compared to 15.6% in Rhode Island. Higher uninsured rates typically mean higher uninsured motorist coverage costs.

Where does the Michigan vs Rhode Island 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

Rhode Island

Avg Annual Premium

$2,700

$1,930

Min Liability

$890

$630

Full Coverage

$2,700

$1,930

Fault System

No-Fault

At-Fault (Tort)

Uninsured Rate

19.4%

15.6%

Registered Vehicles

8,263,139

899,540

Accidents/Year

123,947

13,493

Population

10,077,000

1,097,000