Michigan Auto Insurance

The Great Lake State

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Michigan Auto Insurance

Michigan is known as the “Great Lake State” as it touches four of the five Great Lakes. Those who live in Michigan know that – just like anywhere you choose to live – there are potential risks and hazards that could damage their cars. Those damages could result from commuting or climate, and we know it’s important to protect yourself from accidents that could leave you reeling from costly fixes and medical bills.

Auto insurance rates in Michigan can vary more than you might think from one insurance company to another. That’s where Auto Insurance Specialists can help!

Try our simple form for an AIS Instant Quote®. This quote will be a range of our auto insurance partners’ rates for the coverage you select, and you can pick the price you like.

Required Auto Insurance Coverage in Michigan

Michigan drivers must have auto insurance – and there are law-mandated coverage minimums that you must carry. These minimums are designed to protect the people involved in an accident. Property damage coverage is one that would help pay for the damages to property and to the vehicle. Bodily injury coverage would help pay for the medical bills accrued as a result of a collision. Personal injury protection is also required. For more information on Michigan-specific coverage requirements, please contact an AIS licensed insurance specialist, as he or she will be able to answer any questions you may have.

State Minimum Coverage in Michigan:

  • BI or Bodily Injury: $20,000 per person and $40,000 total per accident
  • PD or Property Damage Liability: $10,000 per accident
  • PIP or Personal Injury Protection: may vary

To learn more about specific auto insurance coverage, visit our Car Insurance Coverage page.

Optional Coverage in Michigan to Consider

It may be in your best interest to consider a policy above and beyond the state-mandated minimums. By doing so, you could better protect yourself from personal losses if you run out of those minimum amounts. Additionally, there are other coverage options that could assist you greatly in the event of unexpected car damages.

Below are some examples you may want to consider:

  • Higher Bodily Injury Limits: A serious accident could cause significant injuries to everyone involved. If you were to be in a collision that led to injuries, you could see how the $20,000 minimum per person BI coverage may deplete quickly. Medical bills can add up fast, and there’s no harm in being prepared for what could happen.
  • Higher Property Damage Limits: Sometimes, an accident can cause damage to more than just vehicles. Light poles, buildings, fences, in addition to other cars must not be overlooked. All these factors considered… $10,000 might not stretch as far as you may think.
  • Uninsured Motorist Coverage: Unfortunately, Michigan has one of the highest rates of uninsured drivers in the nation. Though it is important to protect yourself, wherever you live, from drivers who choose to break the law… protection is even more important to consider when you live in an area with a significant number of uninsured drivers.
  • Collision Coverage: Collision coverage would cover damages to your car, minus your deductibe, after an accident. Because the national average repair costs are close to $3,000, you may want to consider adding collision coverage to your policy, as it could prevent you from being forced to pay additional amounts yourself.
  • Comprehensive Coverage: This type of insurance would help cover your car for damages that are not collision-related. Michigan drivers know that their home state could produce hailstorms, tornadoes, snowstorms, and such disasters that could bring about damage to vehicles. Protection from the unexpected is vital.

To know the right auto insurance options for your situation, it is best to speak with an Auto Insurance Specialist who can help you be adequately insured.

Michigan is a No-Fault State

Most states are “at-fault” states (where blame must be determined for an accident before either insurance company will make payments to the other party), but Michigan is one of the few considered to be a “no-fault” state. Those involved in an accident in a no-fault state would turn to their own insurance companies for their own damages up to the policy’s limits.

In a no-fault state, insurance payments can be made quicker, as there isn’t a need to turn to the courts to determine who is to blame for an accident. But, those involved in the accident give up some of their rights to sue for damages, pain and suffering, and other such factors. For more on this topic, call an AIS licensed insurance specialist.

Michigan Auto Insurance Discounts

Car insurance discounts can vary from person-to-person and state-to-state. That’s why it’s important to find out what discounts you may qualify for, and take advantage of as many as possible. Here are a few examples of the discounts that may be available to you:

  • Safe Driver
  • Multi-vehicle
  • Good student
  • Accident free
  • Anti-theft
  • Multi-policy
  • And more…

To learn more about specific discounts, visit our Discounts page.

There is always a potential for those in Michigan to experience a disaster that could be detrimental to their cars – and livelihood. That’s why protection through car insurance is vitally important. We would like to be your source for all things auto insurance. Call us today to see how we can help with your Michigan auto insurance needs!

Start a Michigan Auto Insurance Quote Today: (888) 772-4247

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