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The Great Lake State
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Michigan Auto Insurance
Known as the Great Lake State, Michigan touches four of the five Great Lakes. When the lakes freeze over, Michigan residents know that there are potential weather-related risks and hazards that could damage their cars, in addition to the usual dangers that always come with being on the road. 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 even pick the price you like.
Required Auto Insurance in Michigan
Michigan drivers are legally required to 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 helps pay for the damages to property and to the vehicle. Bodily Injury coverage helps pay for the medical bills accrued as a result of a collision. Personal Injury Protection (PIP) is also required. For more information on Michigan-specific coverage requirements, contact one of our licensed Insurance Specialists, as he or she will be able to answer any questions you may have.
State Minimum Liability 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
- Personal Injury Protection (PIP): May vary per accident
To learn more about specific Auto Insurance coverage, visit our Car Insurance Coverage page.
Optional Coverage in Michigan
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:
- Collision Coverage*: Collision coverage would cover damages to your car, minus your deductible, 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, and snowstorms and that such disasters could bring about damage to vehicles. Protection from that which is out of your control is vital to avoid a financial crisis.
- Higher Bodily Injury Limits: A serious accident could cause significant injuries to everyone involved. If you are in a collision that led to injuries, the $20,000 minimum per person BI coverage may deplete quickly. Medical bills can add up fast, and it’s better to be 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. With all of these factors considered, $10,000 might not stretch as far as you 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. Without this additional coverage, you could potentially end up paying for your own damages in a car accident that’s not your fault.
*Although Collision coverage and Comprehensive coverage are not required by law, they may be required in your car loan or lease contract with the lender.
To find 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. However, Michigan is one of the few considered to be a “no-fault” state. Those involved in an accident in a no-fault state like Michigan 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 quickly as there is no need to involve 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 a licensed Insurance Specialist.
Most Stolen Car Models in Michigan
If you drive a car that tends to be targeted for theft, you could see higher Auto Insurance rates for your vehicle. In 2017, these were the top 10 cars that were stolen in Michigan according to www.nicb.org:
- Chevrolet Impala
- Chevrolet Pickup (Full Size)
- Ford Pickup (Full Size)
- Dodge Charger
- Ford Fusion
- Chevrolet Malibu
- Chevrolet Trailblazer
- Chrysler 300/300M
- Dodge Caravan
- Ford Explorer
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 qualify for and take advantage of as many as possible.
Here are a few examples of the Michigan Auto Insurance discounts that may be available to you:
- Safe Driver
- Good Student
- Accident Free
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 financial livelihood. That’s why protection through Car Insurance is vitally important. We can be your source for all things Auto Insurance. Call us today to see how our knowledgeable agents can help with your Michigan Auto Insurance needs!