Michigan vs Utah Car Insurance

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

Quick Verdict

More Affordable

Utah is $1,090/yr cheaper on average.

Fewer Uninsured

Utah has a lower uninsured rate (8.2% vs 19.4%).

Rate & Coverage Comparison

Attribute	Michigan	Utah
Avg Annual Premium	$2,700	$1,610
Min Liability	$890	$530
Full Coverage	$2,700	$1,610
Fault System	No-Fault	No-Fault
Uninsured Rate	19.4%	8.2%
Registered Vehicles	8,263,139	2,683,040
Accidents/Year	123,947	40,245
Population	10,077,000	3,272,000

Minimum Coverage Requirements

Michigan

50/100 / 10 liability

Utah

25/65 / 15 liability

Premium Comparison

Michigan$890 – $2,700

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

Utah$530 – $1,610

Liability: $530Avg: $1,610Full: $1,610

MichiganFull rates, age breakdown, requirements →UtahFull 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 Utah?

Utah has cheaper car insurance, with an average annual premium of $1,610 compared to $2,700 in Michigan - a difference of $1,090 per year.

How do Michigan and Utah compare on fault systems?

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

What are the minimum insurance requirements in Michigan vs Utah?

Michigan requires 50/100 / 10 liability. Utah requires 25/65 / 15 liability. Minimum liability costs $890/yr in Michigan and $530/yr in Utah.

Which state has more uninsured drivers, Michigan or Utah?

Michigan has a higher uninsured driver rate at 19.4%, compared to 8.2% in Utah. Higher uninsured rates typically mean higher uninsured motorist coverage costs.

Where does the Michigan vs Utah 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

Utah

Avg Annual Premium

$2,700

$1,610

Min Liability

$890

$530

Full Coverage

$2,700

$1,610

Fault System

No-Fault

Uninsured Rate

19.4%

8.2%

Registered Vehicles

8,263,139

2,683,040

Accidents/Year

123,947

40,245

Population

10,077,000

3,272,000