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:
- Insurance cost comparison
- Rates by coverage level
- Cheap companies by state
- Rates by city
- 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 here.
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 here.
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:
