If you're moving from Michigan to Colorado, consider updating your car insurance.
If you are moving from Michigan to Colorado, you may be paying attention to the high-level concerns and expenses: finding a reliable moving service, finding a new apartment or house in your new state, and arranging your move across state lines.
Amidst all this stress, it’s easy to overlook the details. Auto insurance is often treated as a detail, but it's an important one. To stay on the right side of the law, you’ll need to update your insurance policy — or find a new insurance company — when you move.
Read our guide to auto insurance in Michigan vs. Colorado to streamline your move. We'll cover:
Expect to pay less for auto insurance in your new state. The average annual auto insurance rate in Colorado is $1,278 cheaper than the average rate in Michigan. The precise cost will depend on your coverage choice, insurance history, and your choice of insurance company.
| State | Average Annual Rate |
| Michigan | $2,694 |
| Colorado | $1,416 |
How much you pay for an auto insurance policy depends on how you use your vehicle and how much you’re willing to invest each month to protect your car.
If you choose your state’s minimum coverage, you will most likely carry bodily injury, property damage liability, and medical payment coverages, in addition to uninsured/underinsured motorist coverage and personal injury protection in some states.
| State | Duration | Premium |
| Michigan | Annual | $1,368 |
| Colorado | Annual | $521 |
| Michigan | 6-Month | $684 |
| Colorado | 6-Month | $260 |
| Michigan | Monthly | $114 |
| Colorado | Monthly | $43 |
Upgrading to full-coverage car insurance will raise your rates, but you'll get the added protection of collision and comprehensive coverages, along with rental car reimbursement and roadside assistance protection. The primary benefit of full coverage auto insurance is that it protects you and your car more comprehensively than does minimum liability car insurance. If you're ready to spend more to protect your investment, full coverage is recommended.
| State | Duration | Cost |
| Michigan | Annual | $2,336 |
| Colorado | Annual | $1,406 |
| Michigan | 6-Month | $1,168 |
| Colorado | 6-Month | $703 |
| Michigan | Monthly | $195 |
| Colorado | Monthly | $117 |
One of the top contributing factors to car insurance costs is the insurer you choose. Insurers set premiums in a number of ways, resulting in major price variations. Your location also matters: some insurance companies only sell policies in certain states, while major insurers’ rates may vary by state.
When moving, you should look to find the best cheap car insurance company in your new location. Get your research started below by viewing the five most affordable auto insurance companies in Michigan and Colorado.
| Insurance Company | Average Annual Rate |
| SAFECO | $368 |
| USAA | $968 |
| GEICO | $1,013 |
| MetLife | $1,337 |
| Chubb | $1,400 |
See other affordable auto insurance companies in Michigan.
| Insurance Company | Average Annual Rate |
| The Hartford | $842 |
| Grange | $968 |
| USAA | $1,019 |
| Nationwide | $1,132 |
| GEICO | $1,164 |
View more affordable auto insurance companies in Colorado.
Although car insurance is legislated at the state level, insurers price rates by ZIP code to account for location-specific factors such as density and the likelihood of a crash. The specific location to which you relocate will play a major role in deciding your rates.
See below auto insurance rates in major cities in Colorado and Michigan.
| City | Average Annual Rate |
| Detroit | $4,911 |
| Grand Rapids | $2,230 |
| Warren | $3,356 |
| Sterling Heights | $2,984 |
| Lansing | $2,415 |
Check out a longer list of car insurance rates in Michigan cities here.
| City | Average Annual Rate |
| Denver | $1,411 |
| Colorado Springs | $1,303 |
| Aurora | $1,389 |
| Fort Collins | $1,078 |
| Lakewood | $1,351 |
Seeking data on another city? View other Colorado cities /a>.here.
When you move from Michigan to Colorado, you will encounter new driving laws, potentially different SR-22 rules, and more. Make sure your interstate move is problem-free with The Zebra's data on your new state:
