Compare car insurance quotes from several top insurance companies and find the cheapest auto insurance rates in the state of Michigan in less than 5 minutes. Let CheapQuotesCarInsurance.com teach you everything you need to know about buying affordable auto insurance that fits your budget and your lifestyle. Learn about Michigan minimum car insurance requirements and how the cost of auto insurance in Michigan compares to the cost of auto insurance in other states. We offer top online car insurance comparison tools for Michigan residents. Car insurance rates change every year, so be sure to view quotes from at least two insurance companies and lower your car insurance premiums today.
Michigan Minimum Car Insurance Requirements:
Michigan state law requires that car insurance policies must include a minimum bodily injury liability coverage limit of $20,000 for one person in an accident and $40,000 for all persons injured per accident. The minimum property damage liability coverage limit is $10,000. These minimum coverage limits for Michigan are more commonly listed as 20/40/10. Michigan does not require Uninsured/Underinsured Motorist coverage. Michigan state law requires drivers to carry personal injury protection (PIP) as well. Michigan personal injury protection covers:
- Wage loss (85% of pre-tax lost wages)
- Replacement services (up to $20/day) to pay someone to do household chores.
- Attendant care for daily nursing needs.
- Mileage to and from the doctor.
- Payment for performed medical services.
Michigan state law requires Property protection insurance (PPI) coverage of $1 million. This coverage pays for damage your car does in Michigan to other people's property, such as buildings, poles and fences. PPI also covers damages your car does to other people's properly parked vehicles.
Michigan’s Most Common Car Insurance Coverage
|
Coverage |
Michigan Minimum Car Insurance Requirements |
Michigan Most Common Car Insurance Coverage |
|
Bodily Injury Liability |
$20,000/$40,000 |
$100,000/$300,000 |
|
Property Damage Liability |
$10,000 |
$100,000 |
|
Property Protection Coverage |
$1 million |
$1 million |
|
Uninsured Motorist Bodily Injury |
Not required |
$20,000/$40,000 |
|
Personal Injury Protection |
Wage loss (85% of pre-tax lost wages). |
Excess of requirements |
|
Medical Payments |
Not required |
$10,000 |
|
Collision |
Not required |
$500 deductible |
|
Comprehensive |
Not required |
$500 deductible |
The cheapest Michigan auto insurance policies will only meet the minimum state requirements for insurance coverage, but many customers will want and need more insurance coverage including: coverage for uninsured or underinsured motorists, medical payments, collision, and comprehensive coverage. Discover which coverage is best for you.
Michigan Auto Insurance Laws
Michigan is a no-fault state. This means that each person’s insurance company covers their medical, lost wages, and funeral expenses that result from an accident regardless of who was at fault. No-fault does not usually apply to property damage, so you may collect expenses either from your own insurance company or the other driver’s insurance company if the other driver is at fault.
Average cost of Car Insurance in Michigan
The National Association of Insurance Commissioners (NAIC) and the Insurance Information Institute (I.I.I.) provide data about car insurance premiums for all 50 states. Michigan residents spend an average of $928 per year for car insurance (liability coverage). Michigan ranks as the 41st cheapest state to buy auto insurance. The national average is $811 per year for car insurance (liability coverage). In 2010, Michigan car insurance premiums have decreased slightly compared to 2009. Now is the time to compare auto insurance rates from multiple providers to lower your car insurance premiums.
We offer local car insurance quotes available in all of Michigan including:
Ann Arbor
Clinton
Dearborn
Detroit
Flint
Grand Rapids
Lansing
Livonia
Sterling Heights
Warren
Insurance companies weigh the factors that affect your car insurance rates differently so everyone’s rates will be different for each company. Smart auto insurance shoppers will compare quotes from several car insurance companies to find the cheapest car insurance quote possible. CheapQuotesCarInsurance.com has partnered with top insurance companies like Geico, Nationwide, AllState, Esurance, Liberty Mutual, and Travelers to provide our customers with affordable quotes from highly reputable insurance providers. Enter your zip code and answer several general questions about your driving history to compare Michigan auto insurance rates and save money on your auto insurance premiums.
To contact Michigan’s department of Insurance:
michigan.gov/dleg
Mailing address:
P.O. Box 30220
Second Floor
Lansing, MI 48909
Phone number
(517) 373-0220
Toll-free in Michigan only
(877) 999-6442
Fax number
(517) 335-4978