Michigan vs Texas Car Insurance

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

Quick Verdict

More Affordable

Texas is $760/yr cheaper on average.

Fewer Uninsured

Texas has a lower uninsured rate (14.1% vs 19.4%).

Rate & Coverage Comparison

Attribute	Michigan	Texas
Avg Annual Premium	$2,700	$1,940
Min Liability	$890	$640
Full Coverage	$2,700	$1,940
Fault System	No-Fault	At-Fault (Tort)
Uninsured Rate	19.4%	14.1%
Registered Vehicles	8,263,139	23,899,720
Accidents/Year	123,947	358,495
Population	10,077,000	29,146,000

Minimum Coverage Requirements

Michigan

50/100 / 10 liability

Texas

30/60 / 25 liability

Premium Comparison

Michigan$890 – $2,700

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

Texas$640 – $1,940

Liability: $640Avg: $1,940Full: $1,940

MichiganFull rates, age breakdown, requirements →TexasFull rates, age breakdown, requirements →

📊

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 Texas?

Texas has cheaper car insurance, with an average annual premium of $1,940 compared to $2,700 in Michigan - a difference of $760 per year.

How do Michigan and Texas compare on fault systems?

Michigan uses a no-fault system while Texas 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 Texas?

Michigan requires 50/100 / 10 liability. Texas requires 30/60 / 25 liability. Minimum liability costs $890/yr in Michigan and $640/yr in Texas.

Which state has more uninsured drivers, Michigan or Texas?

Michigan has a higher uninsured driver rate at 19.4%, compared to 14.1% in Texas. Higher uninsured rates typically mean higher uninsured motorist coverage costs.

Where does the Michigan vs Texas 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.

Explore the DataPeek Network

LawyerCostPeek DivorceLawPeek EvictionLawPeek LicenseWize DMVPeek FloodRiskPeek VocabWize VocabLibre DicionarioWize WortWize KalimaWize KotobaPeek NameBlooms WagePeek NetPayPeek SalaryByCity

Attribute

Michigan

Texas

Avg Annual Premium

$2,700

$1,940

Min Liability

$890

$640

Full Coverage

$2,700

$1,940

Fault System

No-Fault

At-Fault (Tort)

Uninsured Rate

19.4%

14.1%

Registered Vehicles

8,263,139

23,899,720

Accidents/Year

123,947

358,495

Population

10,077,000

29,146,000