Auto Insurance in Michigan (MI)

What Affects Auto Insurance Rates in Michigan?

Auto insurance rates in Michigan are above the national average, in part because the state has a very comprehensive no-fault insurance system and has not set any legal limits on medical benefits that claimants can receive in a lawsuit. Michigan is also the state with the second-highest number of car accidents involving collisions with deer, according to one study. These factors will affect how much you pay for car insurance in Michigan, along with details like your driving history and your marital status.

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Auto Insurance Requirements in Michigan (MI)

In Michigan, vehicle owners are required to carry the following amounts of car insurance:

• $10,000 of personal injury protection and property protection that will pay up to $1 million for damage caused to other people’s property
• Michigan motorists are required to carry bodily injury and property damage liability. The minimum amount of bodily injury coverage drivers must carry is $20,000 per person and $40,000 per person, as well as at least $10,000 in property damage coverage.

We recommend that you carry more than the minimum levels of these types of coverage to make sure you are adequately covered in the case of an accident. You also want to make sure that your home and financial assets are protected in case of large expenses or a lawsuit.

Auto Insurance Discounts in Michigan (MI)

Some insurance companies offer drivers who own a hybrid vehicle a discount on their insurance rates. Other discounts may be available to mature drivers and high school and college students with good grades. Make sure you speak to your insurance agent about the discounts available for you.

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Auto Insurance Providers in Michigan (MI)

Some insurance companies offering car insurance in Michigan include:

• AAA
• AIG
• Allstate
• American Family Insurance
• Amica
• Chubb
• Comparison Market
• Electric Insurance
• Esurance
• Farmers
• Insurance.com
• GMAC Insurance Online
• Horace Mann
• MetLife Auto
• Prudential
• Safeco
• State Farm
• Travelers Insurance

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Get More Information on Auto Insurance in Michigan (MI)

For more information on your state's coverage requirements and general auto insurance inquiries, contact the state’s department of motor vehicles at:

Michigan Department of State
7064 Crowner Drive
Lansing, Michigan 48918-1540
www.michigan.gov/sos

*Auto Insurance Options is a free information resource that provides content on auto insurance products and policies for informational purposes only, but is not an agency or insurer. Products and policies may not be available in all states.