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Types of Coverage Offered
- extra expense
- collision
- Collision coverage advantage
- common passing deductible
- comprehensive examination
- Diminished respect
- liability
- Loan/lease gap
- medical
- personal car plus
- rental cars
- Road trouble service
- Uninsured/underinsured motorist
Discounts Available
- Advance quote
- favorable loss history
- Life multi-policy
- Multi-car
- Multi-policy
- Paid-in-full
- Paperless placard
- payment history
- base hit features
- scholar discounts
Auto-Owners Insurance Review
Auto-Owners car insurance review *Data provided by Bankrate.com
**J.D. exponent 2021 Auto Insurance Satisfaction Study rating for the North Central region. Based on a 1,000-point scale .
The Average Cost of Car Insurance in Michigan
Michigan is one of the more expensive states in the state for car indemnity. Because it ’ s a no-fault country, all drivers must carry at least the state ’ s minimal want grade of personal injury protective covering ( PIP ). A new Michigan law aims to lower these costs by offering reduced PIP coverage and requiring insurers to lower PIP premiums. According to 2021 data from Bankrate.com, the price of minimum liability coverage, as required by Michigan state law, averages $ 948. To purchase broad coverage indemnity, you could pay an average of $ 2,309. overall, prices can vary importantly because insurance rates are dependent on numerous points of personal data. It ’ s not barely your car indemnity party that can make a remainder in the price : the driver ’ second old age, vehicle produce and model, driving commemorate, and more impact individual rates .
Top 3 Cheapest Car Insurance Companies in Michigan
| Company | Average Annual Minimum Coverage Premium* |
| Travelers | $101 |
| Secura | $115 |
| Westfield | $115 |
* Data provided by Bankrate.com, price based on the minimal coverage required policy .
Top 3 Most Expensive Car Insurance Companies in Michigan
| Company | Average Annual Minimum Coverage Premium* |
| Farmers | $2,237 |
| State Farm | $2,103 |
| Grange | $1,749 |
* Data provided by Bankrate.com, monetary value based on the minimum coverage required policy .
Top 3 Cheapest Cities for Car Insurance in Michigan
| City | Average Annual Minimum Coverage Premium* |
| Petoskey | $721 |
| Pellston | $724 |
| Boyne Falls | $726 |
* Data provided by Bankrate.com, price based on the minimum coverage required policy .
Top 3 Most Expensive Cities for Car Insurance in Michigan
| City | Average Annual Minimum Coverage Premium* |
| Hamtramck | $2,153 |
| Detroit | $2,100 |
| Highland Park | $2,092 |
* Data provided by Bankrate.com, price based on the minimal coverage required policy.
Guide to Michigan Car Insurance
Michigan car insurance laws have undergo late changes, including that less PIP coverage is required than earlier. Companies are besides required to reduce PIP premiums. still, driving in Michigan requires more minimum coverage than in many early states. It ’ sulfur crucial to note that while a inadequate drive read may not prevent you from getting indemnity in Michigan, it will silent likely result in higher rates .
Car Insurance Add-Ons That May Further Protect You
- Uninsured/Underinsured Motorist: Though required in some states, this coverage is an optional add-on in others. It protects drivers when they get into a car accident with someone who doesn’t have car insurance or doesn’t have enough.
- Gap Insurance: If you get into an accident and total your new vehicle, you run the risk of your car insurance paying you out for less than you owe on the vehicle. Gap insurance covers the difference between what you owe on the car and its current actual value.
- Rideshare Coverage: Those who drive for a rideshare company may need extra insurance to protect themselves. Many insurers offer this as an add-on to their standard policies.
- Roadside Assistance: Many insurance carriers offer roadside assistance, which you can request for flat tires, dead batteries, towing services, and more.
Michigan Minimum Insurance Requirements
Michigan has some unique minimal policy requirements. Because of its no-fault law, the state requires each driver to carry insurance that would cover their own aesculapian expenses and up to $ 1 million for damage their car does to any early property. additionally, the state requires minimum liability policy similar to most states. Minimum liability required in the state of Michigan is divided as follows :
- Personal injury protection (various options exist)
- $1,000,000 property protection insurance (PPI)
- Liability insurance with the following coverage limits:
- $50,000 for a person hurt or killed in an accident
- $100,000 for each accident where multiple people are hurt or killed
- $10,000 for property damage in another state
Michigan policies default to higher limits, sol if you want to purchase department of state minimum coverage, you will need to specifically request it .
Michigan’s No-Fault Law
Michigan is a no-fault state, which means that in the event of an accident, the person who was at-fault international relations and security network ’ t responsible for paying the medical bills and lost wages of anyone injured in the accident. alternatively, your own indemnity party will have to cover your expenses up to your policy limits. This law is one of the reasons for the increased rates of minimum policy coverage in the state .
Michigan Car Insurance FAQ
What is the minimum car insurance required in Michigan?
Drivers in Michigan must carry liability indemnity astir to $ 50,000 for one person hurt or killed in an accident, $ 100,000 for multiple people hurt or killed, and $ 10,000 for place damage in another submit. additionally, drivers must carry personal injury protection with no limits and property security indemnity with a limit of $ 1 million .
What is the average auto insurance cost in Michigan?
According to 2021 data from Bankrate.com, the average price of car insurance in Michigan is $ 948 annually for the department of state ’ randomness minimal requirements policy and $ 2,309 for full coverage. Your individual circumstances affect your premium, so you might end up paying more or less than the average for the state .
What is the cheapest car insurance company in Michigan?
The cheapest Michigan car indemnity company for you will depend on several factors, including the character of car you drive, your driving history, and the amount of coverage you choose to purchase. Getting quotes from several carriers might help you find the cheapest company for your needs .
Methodology
Reviews.com reviews products, services and companies based on five criteria to help readers understand how companies compare based on alike metrics. For the best car policy companies, our editorial team compared affordability, customer support, coverage options, customer atonement scores and on-line resources from each company to determine peak providers. As for average price, we used Bankrate.com ’ s data of car insurance in Michigan, based on the profiles of a 40-year male and female. For broad coverage, the details used were the follow :
- $100,000 bodily injury liability per person
- $300,000 bodily injury liability per accident
- $50,000 property damage liability per accident
- $100,000 uninsured motorist bodily injury per person
- $300,000 uninsured motorist bodily injury per accident
- $500 collision deductible
- $500 comprehensive deductible
To determine minimum coverage limits, Bankrate used minimum coverage that meets each submit ’ sulfur requirements. Our base profile drivers own a 2019 Toyota Camry, commute five days a week and drive 12,000 miles per annum. These are sample rates and should only be used for comparative purposes.
Read more: The Best Car Insurance Companies for 2022
About the Authors
Joshua Cox-Steib Author Joshua Cox-Steib is a base security writer for Reviews.com. Over the last class, he has covered home security equipment, home internet providers, and more. He has been featured in bankrate.com, coverage.com, thesimpledollar.com, among others. He holds a bachelor ’ s academic degree in Sociology from the University of Tulsa. The Best internet Providers in 2020 is Joshua ’ s favored review on Reviews.com .