Car Insurance Comparison: Michigan vs. Texas

Moving from Michigan to Texas? You may need to update your car insurance.

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Comparing auto insurance in Michigan and Texas

If you are relocating from Michigan to Texas, you might be focusing on the major concerns and big expenses: contracting a trustworthy long-haul moving company, getting a new apartment or house in your new locale, and arranging your interstate move.

With all of this going on, it can be easy to forget the details. Auto insurance coverage is just a detail, but it's an important one. To find a good deal and stay street legal, plan to update your policy — or find a new insurance company — when you move between states.

Read our guide to auto insurance in Michigan versus Texas and take the strain out of your move. We'll cover the following topics:


  1. Insurance cost comparison
  2. Rates by coverage level
  3. Cheap companies by state
  4. Rates by city
  5. Additional resources


Michigan vs. Texas car insurance — which is cheaper?

Expect to pay less for auto insurance once you move. The average annual auto insurance rate in Texas is $569 cheaper than the average cost in Michigan. Keep in mind this cost depends on your coverage level, driving and insurance history, and your auto insurance company.


CAR INSURANCE PREMIUMS IN MICHIGAN VS. TEXAS
State Average Annual Premium
Michigan $2,694
Texas $2,125


Auto insurance premiums by coverage level

How much you spend on auto insurance depends on how you use your vehicle and how much protection you want from your policy.

If you go with state minimum liability coverage, you'll carry medical payment, bodily injury, and property damage liability coverages, plus uninsured and underinsured driver coverage and personal injury protection in some states.


CAR INSURANCE PREMIUMS FOR BASIC LIABILITY COVERAGE IN MICHIGAN vs. TEXAS
State Period Premium
Michigan Annual $1,368
Texas Annual $782
Michigan 6-Month $684
Texas 6-Month $391
Michigan Monthly $114
Texas Monthly $65


Electing to carry full-coverage car insurance will raise your rates, but you'll get the added protection of collision and comprehensive coverage levels, plus perks like rental car reimbursement and roadside assistance. The primary pro of full coverage car insurance is that it covers you and your car more completely than does minimum liability coverage. If you're motivated to protect your investment, full coverage is recommended.


AUTO INSURANCE PREMIUMS — FULL COVERAGE IN MICHIGAN vs. TEXAS
State Period Premium
Michigan Annual $2,336
Texas Annual $2,120
Michigan 6-Month $1,168
Texas 6-Month $1,060
Michigan Monthly $195
Texas Monthly $177


Cheap auto insurance companies in Michigan and Texas

A major contributor to your auto insurance costs is your choice of car insurance company. Insurance companies assign rates in a variety of ways, resulting in substantial variations in pricing. Location plays a role, too: some regional companies only sell policies in certain states, while major insurance companies shift rates by state.

When swapping states, you should try to find the best cheap car insurance company selling policies in your new location. Start researching below with our list of the five cheapest car insurance companies in Michigan and Texas.


AFFORDABLE CAR INSURANCE COMPANIES IN MICHIGAN
Insurance Company Average Annual Rate
SAFECO $368
USAA $968
GEICO $1,013
MetLife $1,337
Chubb $1,400


See additional affordable auto insurance companies in Michigan.


CHEAP CAR INSURANCE COMPANIES IN TEXAS
Insurer Average Annual Rate
Travelers $1,031
USAA $1,106
Texas Farm Bureau $1,223
Germania Mutual $1,269
Esurance $1,393


See more cheap auto insurance companies in Texas.


Car insurance rates by city in Michigan and Texas

While car insurance is legislated at the state level, insurance companies price rates by ZIP code to account for unique factors such as density and the likelihood of a crash. The location to which you relocate will play a major role in deciding how much you pay for auto insurance.

See below car insurance rates in major cities in Texas and Michigan.


AUTO INSURANCE RATES 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


See a more comprehensive list of car insurance rates in Michigan cities.


CAR INSURANCE PRICES BY CITY IN TEXAS
City Average Annual Rate
Houston $1,872
San Antonio $1,705
Dallas $1,874
Austin $1,643
Fort Worth $1,637


Looking for another city's data? View car insurance rates in other Texas cities.


More information on relocating from Michigan to Texas

When you move from Michigan to Texas, you'll face new rules of the road, potentially different SR-22 rules, and more. Ensure your move is as easy as possible with our collection of information on your new home:

Ross Martin photo
Ross MartinManager, Content Quality

Ross joined The Zebra as a writer and researcher in 2019. As a licensed insurance agent, he specializes in writing insurance content to help shoppers make informed decisions.

Ross holds a master's degree from Royal Holloway, University of London and has a background in copywriting and education. As a former teacher, he applies his educational skills to explain insurance concepts in ways that consumers can understand.

Ross's work has been cited by The New York Times, AxiosInvestopedia, The Simple DollarThe BalanceCar and Driver and Fox Business. He has been quoted by CNET, I Drive Safely and Kin Insurance

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.