Michigan Car Insurance - Auto Insurance Quote in MI
CarInsurance.com is the only place anyone needs to go for all their car insurance in Michigan, a state recognized for being almost completely bordered to the West, North and East by Lake Michigan, Lake Huron and Lake Erie.
| Current average car insurance premium in Michigan | $2,029.34 |
| Current average car insurance premium U.S. | $1,602.16 |
| Detroit | $2,730.79 |
| Grand Rapids | $1,669.62 |
| Check out our car insurance rates in more Michigan cities | |
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Some Michigan drivers pay among the highest rates in the country; others pay much, much less. To see how Michigan's car insurance rates are moving in recent months, just take a look at CarInsurance.com's Average Premium Trend Tool. This useful feature will give you insight into insurance costs - just move your mouse over the points to learn Michigan's annual average premium.
This site features more than a dozen of the largest insurance companies in the country, ready to provide the finest coverage available. CarInsurance.com aims to ensure the process is as easy as possible by providing tools to help you make the right decision. This site includes valuable background by showing what your fellow Michigan drivers are paying for policies. You should begin by considering what the state requires for auto insurance.
Michigan state law requires minimum Bodily Injury Liability limits of $20,000 per injured person up to a total of $40,000 per accident, and Property Damage Liability coverage with a minimum limit of $10,000. This basic coverage is often referred to as 20/40/10 coverage.
Minimum Required Insurance Coverage in Michigan
Bodily Injury Liability: $20,000/$40,000 Limit
Property Damage Liability: $10,000 Limit
Property Protection Insurance: $1,000,000
Personal Injury Protection - Medical
Personal Injury Protection - Work Loss
The state of Michigan follows a No-Fault system, meaning your insurance company will make payments for your injury claims regardless of fault, up to a specified limit. Typically, you lose some of your rights to sue under a No-Fault system. Details of a no-fault system vary from state to state.
Personal Injury Protection (PIP) helps pay for necessary medical costs if you are hurt in an auto accident. Michigan state law requires Personal Injury Protection coverage for Medical and Work Loss.
You can get Uninsured/Underinsured Motorist Bodily Injury coverage to cover bodily injury caused by an uninsured and/or underinsured driver (depending on the state). Michigan does not require drivers to purchase this coverage, but you should consider purchasing this valuable coverage.
With these mandates in mind, CarInsurance.com's coverage page gives the first option of a Minimum State Required package. Opting for more individual, specialized packages with deductibles and liability limits you choose are also detailed. We know that it can get confusing, so agents, all licensed in Michigan, are standing by to talk you through the process.
Some Michigan drivers may feel shopping around is pointless because state insurance regulators and the auto insurance companies set policy rates. But there can be big differences from one insurer to another, so getting quotes and evaluating what's offered is simply smart. Let CarInsurance.com help as you do.
If thieves like your car, insurance companies probably don’t – and you’ll pay higher car insurance rates. Here are Michigan car thieves’ favorites:
