Car Insurance Comparison: Michigan vs. Colorado

If you're moving from Michigan to Colorado, consider updating your car insurance.

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By Kristine Lee

Updated July 16, 2025

Edited By Renata Balasco

Comparing auto insurance in Michigan and Colorado

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:

Insurance rate comparison
Insurance rates by coverage level
Cheap companies by state
Rates in major cities
Additional resources

Michigan vs. Colorado auto insurance — average rates

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.

CAR INSURANCE RATES IN MICHIGAN VS. COLORADO

State	Average Annual Rate
Michigan	$2,694
Colorado	$1,416

Average car insurance rates by coverage level

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.

AUTO INSURANCE PREMIUMS FOR MINIMUM COVERAGE IN MICHIGAN vs. COLORADO

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.

AUTO INSURANCE RATES FOR FULL COVERAGE IN MICHIGAN vs. COLORADO

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

Inexpensive car insurance companies in Michigan and Colorado

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.

CHEAP AUTO INSURANCE COMPANIES IN MICHIGAN

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.

AFFORDABLE CAR INSURANCE COMPANIES IN COLORADO

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.

Car insurance rates by city in Michigan and 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.

AUTO INSURANCE PRICES BY CITY IN 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.

AUTO INSURANCE RATES BY CITY IN COLORADO

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.

More resources: moving from Michigan to Colorado

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:

About The Zebra

The Zebra is not an insurance company. We publish data-backed, expert-reviewed resources to help consumers make more informed insurance decisions.

The Zebra’s insurance content is written and reviewed for accuracy by licensed insurance agents.
The Zebra’s insurance editorial content is not subject to review or alteration by insurance companies or partners.
The Zebra’s editorial team operates independently of the company’s partnerships and commercialization interests, publishing unbiased information for consumer benefit.
The auto insurance rates published on The Zebra’s pages are based on a comprehensive analysis of car insurance pricing data, evaluating more than 83 million insurance rates from across the United States.