Car Insurance in Michigan vs. Ohio: Costs, Laws and Resources

Michigan and Ohio impose different car insurance laws and providers, so costs differ. The cheapest car insurance company for a minimum coverage policy in Michigan is Nationwide at $774 per year. In Ohio, Erie is the cheapest for $274 annually.

Advertising & Editorial DisclosureLast Updated: 11/25/2022
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If you're thinking about relocating from Michigan to Ohio or vice versa, it is important to understand the differences in their coverage requirements. Both states require bodily injury liability per accident and per person, but the limit requirement differs by state. Additionally, Michigan requires unlimited personal injury protection per person and per accident as well as property protection. Ohio's additional requirement includes property damage liability per accident.

MoneyGeek compared the policies and requirements for car insurance in Michigan vs. Ohio. We also analyzed car insurance rates to help you decide what insurance policy is best for you.

Car Insurance Laws in Michigan vs. Ohio

Michigan car insurance laws require 20/40/10 in liability coverage, unlimited personal injury protection, and $1M in property protection. Meanwhile, Ohio law mandate 25/50/25 in liability coverage. For a minimum-coverage car insurance policy, Michigan drivers pay an average of $2,921 per year, while Ohio drivers only pay $487. In other words, drivers in Ohio, on average, pay less in car insurance policies than drivers in Michigan.


Michigan Requirements

  • $20,000 bodily injury liability per person
  • $40,000 bodily injury liability per accident
  • Unlimited personal injury protection per person
  • Unlimited personal injury protection per accident
  • $1 million property protection

Ohio Requirements

  • $25,000 bodily injury liability per person
  • $50,000 bodily injury liability per accident
  • $25,000 property damage liability per accident

How Are Car Insurance Laws Enforced in Michigan and Ohio?

Michigan is a no-fault state which mandates that you file a claim with your insurance company after being in an accident, regardless of who was at fault. This policy guarantees you are covered financially after an accident, although you may have to pay higher premiums.

On the other hand, Ohio is a tort state, which means that if you cause an accident, you are responsible for its costs. As the driver at fault, you can use your liability insurance to pay for the damage, injuries, and other related expenses incurred by the other driver.

Cheapest Car Insurance Companies in Michigan vs. Ohio

To help you find the most affordable car insurance policies with minimum coverage in Michigan and Ohio, we compared and analyzed the costs of several insurance companies. We found the cheapest policies to be:

  • Cheapest in Michigan: Nationwide ($774 per year)
  • Cheapest in Ohio: Erie ($274 per year)

For eligible military members and their families, USAA is the most affordable option with an average annual premium of $704 in Michigan and $238 in Ohio.

Rates vary from state to state, even with the same provider. For example, Nationwide has an annual cost of $774 in Michigan, while the same policy costs $470 in Ohio.

Cheapest Car Insurance Companies in Michigan

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Cheapest Car Insurance Companies in Ohio

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The cheapest policy in Michigan is Nationwide at $774 per year. In Ohio, Erie provides the cheapest plan for $274 annually. These policies, however, are only for minimum coverage. Depending on your location, coverage level, age, and driving history, your actual rate could differ. MoneyGeek has put together a guide to help you find the cheapest insurance companies in both states.

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Average Cost of Car Insurance in Michigan vs. Ohio

One of the many factors affecting your policy premium is selected coverage. The minimum coverage policy in Michigan costs about $2,921 per year, while a full-coverage policy averages at $4,333. Meanwhile, Ohio's minimum coverage costs $487, while the full-coverage policy costs $803. With this side-by-side comparison, it's evident that providers in Ohio offer cheaper rates for both car insurance policy coverage limits. Several factors determine premiums, so the actual amount may differ.

Average Cost of Car Insurance in Michigan vs. Ohio

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  • Driver
    Michigan Annual Premium
    Ohio Annual Premium
  • Minimum Coverage
  • Full Coverage
  • Adding a Young Driver
  • Drivers With a Violation
  • Drivers With Poor Credit

Why Are Car Insurance Rates More Expensive in Michigan vs. Ohio?

Insurance in one state may be more expensive than in another for many reasons, and it cannot be pinned on one factor. Michigan costs more because it requires drivers to have more insurance and is a no-fault state. Another reason for Michigan's higher insurance premiums is its high uninsured driver rate of 26%, which is higher than Ohio’s rate of 13%. Michigan's vehicle theft rate is also higher than Ohio's; more stolen vehicles result in costlier claims.

Car Insurance Costs by City in Michigan vs. Ohio

Another factor that could affect your final quote is the city you live. Generally, cities with lower population density have lower insurance rates than cities with a higher population. MoneyGeek identified the cheapest and most expensive cities for state minimum liability insurance in Michigan and Ohio.


  • Cheapest city: Ann Arbor ($1,083 per year)
  • Most expensive city: Detroit ($3,688 per year)


  • Cheapest city: Akron ($440 per year)
  • Most expensive city: Toledo ($515 per year)

Car insurance requirements are the same in every state, so the variation in prices between cities is caused by other factors such as population density.

Car Insurance Costs by City in Michigan

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Car Insurance Costs by City in Ohio

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Moving Between Michigan and Ohio? What to Know

You will need to transfer your driver's license and registration when you move from Michigan to Ohio or vice versa. You may keep your current insurer if you're satisfied with your current policy and if it provides the coverage required by your new state. Your rates may change to reflect risks and coverage requirements specific to state laws.

If you need a new insurance provider, MoneyGeek can help you find the best fit based on your driving history.

  • This is an icon

    Use MoneyGeek’s car insurance calculators for Michigan and Ohio

    Creating a budget for your auto insurance is easier if you calculate the premiums ahead of time. MoneyGeek’s Michigan car insurance calculator and Ohio car insurance calculator calculate the average policy cost for each state.

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    Learn about car insurance for high-risk drivers in Michigan and Ohio

    Some insurance carriers reject high-risk drivers or charge them higher premiums. Additionally, those in Michigan and Ohio convicted of serious driving offenses, such as driving under the influence of drugs or alcohol, are required to file an SR-22 in Michigan or SR-22 in Ohio.

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    Figure out your options for temporary car insurance in Michigan and Ohio

    A temporary car insurance policy may be a good choice if you plan to spend a short time in Michigan or Ohio. Most car insurance policies require a six-month minimum, but MoneyGeek uncovered other options for temporary car insurance in Michigan or temporary car insurance in Ohio.

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    If you’re a low-income driver, see if Michigan or Ohio offer car insurance programs

    Low-income drivers in Michigan and low-income drivers in Ohio who want to save money on insurance can make use of MoneyGeek's resources for additional options.

FAQs About Michigan and Ohio Car Insurance

States often have different laws and prices for car insurance. To better understand the differences between car insurance in Michigan vs Ohio, MoneyGeek answers some frequently asked questions.


To calculate average car insurance rates by company and across Michigan and Ohio, MoneyGeek collaborated with Quadrant Information Services to collect auto insurance quotes from both locations. We used a sample profile for a 40-year-old driver with a clean driving record and minimum coverage unless modified by criteria like coverage level, age, driving offenses and credit score. Learn more about how costs are calculated in our MoneyGeek car insurance methodology.

Minimum car insurance requirements by Michigan and Ohio were sourced from the Department of Motor Vehicles (DMV) of the respective state.

About the Author


Mark Fitzpatrick is a senior content manager with MoneyGeek specializing in insurance. Mark has years of experience analyzing the insurance market and creating original research and content. He graduated from Boston College with a Bachelor of Arts and Johns Hopkins University with a Master of Arts.