Car Insurance for Michigan Drivers
Michigan drivers need car insurance coverage that has their back. We’re here to help you find the protection you need to feel confident behind the wheel. If you’re looking for the best car insurance in Michigan, you’ll need to find an insurance company that goes above and beyond for their customers. You can count on The Hartford to be there when you need us most. Get your Michigan drivers need car policy coverage that has their back. We ’ re here to help you find the protection you need to feel confident behind the bicycle. If you ’ ra looking for the best cable car policy in Michigan, you ’ ll need to find an indemnity party that goes above and beyond for their customers. You can count on The Hartford to be there when you need us most. Get your car policy quotation from us today .
1 The Hartford has been protecting Michigan AARP members and their families since 1984. We’ve earned a reputation for integrity and trust, and we’re proud to have a record of high customer ratings for claims services. Whether you just moved to The Mitten or are looking for new car indemnity in Michigan, the AARP® Auto Insurance Program from The Hartford is here to help keep you protected on the road.The Hartford has been protecting Michigan AARP members and their families since 1984. We ’ ve earned a reputation for integrity and trust, and we ’ re gallant to have a record of high customer ratings for claims services.
Michigan Auto Insurance Coverages
2 Auto insurance coverages vary by state, so be sure to check the minimums where you live. In Michigan, car indemnity laws require drivers to have certain indemnity. You ’ ll need bodily injury liability insurance to cover injury to another person and property damage liability insurance to cover damage to person else ’ s place if you ’ re at blame in an accident. Michigan department of state police requires liability coverage at the following minimum limits :
- $100,000 for bodily injury, total per accident
- $50,000 for bodily injury, per person per accident
- $10,000 for property damage per accident
- Personal Injury Protection (PIP) coverage, unless you are covered by Medicare parts A & B
Additional Car Insurance in Michigan
In addition to the car coverage you ’ re required to carry, you besides have the option to buy add auspices. This can help make you feel more comfortable on the road and offer you even greater coverage. Adding these extra coverages can help ensure that you get the best car insurance for your specific needs. You may be eligible for the keep up car insurance coverages with us :
Michigan Car Insurance Laws
Proof of Car Insurance for Michigan Drivers
Before you can register a vehicle, you must have car indemnity in Michigan. It ’ south important to keep a copy of your car insurance ID tease in your fomite in case of a car accident. At the very least, make certain to have a copy on your earphone. Michigan accepts electronic proof of policy and with The Hartford mobile app, we make it easy to always have it with you. Download the app today by visiting the Google Play ™ or App Store .™ Be mindful that in Michigan, the penalties for driving without car policy coverage include :
- Fines of $200 – $500
- Up to one year in jail
- 30-day license suspension or until you have car insurance
Michigan Uninsured Driver Facts
The department of state of Michigan does not require drivers to carry uninsured/underinsured motorist coverage. inactive, The Hartford offers this coverage which will protect you from fiscal passing if you are involved in an accident with an uninsured motorist and can not receive recompense from the other driver .
Michigan Car Insurance Laws for Staying Safe
As you travel through Michigan, there are several safe driving laws meant to protect you, like:4
Michigan Seat Belt Laws
It is a mandate jurisprudence to wear a seat belt while driving or sitting in the front seat of a car in Michigan. Passengers that are 8-15 years old must wear a buttocks belt no matter where they are sitting .
Michigan Distracted Driving Laws
Texting while driving is banned for all drivers in Michigan. Fines start at $ 100 and extra offenses will cost you $ 200. To stay focused while driving, review directions before you leave and travel at times when you are normally wake up and alarm .
Michigan Teen Driver Laws
Michigan has implemented graduated licensing laws to ensure that teenagers gain the know and maturity required to be dependable behind the wheel. These laws :
- Limit nighttime driving
- Restrict teen passengers
- Ensure an adequate amount of supervised driving practice
New Auto Insurance Law for Michigan
3 This law requires car insurance companies in Michigan to reduce statewide average health insurance premiums for Michigan is a no-fault state, which means that if you ’ re in a car accident, each driver will need to file a claim with their own insurance. In July 2020, a new Michigan car indemnity law went into effect.This jurisprudence requires car insurance companies in Michigan to reduce statewide average health insurance premiums for personal injury protection ( PIP ) coverage for eight years. besides called no-fault insurance, PIP comes into play no matter who ’ sulfur at mistake. In the past, it was mandate for Michigan drivers to carry inexhaustible PIP coverage, but drivers can now choose from different coverage options. For more information about the state ’ sulfur no-fault insurance laws, please chew the fat Michigan ’ s Department of Insurance and Financial Services
Car Insurance Benefits Offered to Michigan Drivers
Michigan drivers could receive valuable benefits as AARP members from the AARP Auto Insurance Program from The Hartford, including :
- Accident Forgiveness:‡ Your rates won’t go up just because you have an accident and it won’t count against you in your driver profile.
- 12-month Rate Protection: You can relax knowing your low premiums are locked-in for a full year.
- New Car Replacement:§§ If you total your new car within the first 15 months or 15,000 miles after you buy it, your policy will help pay to replace it.
- Disappearing Deductible:‡ Your collision deductible can go all the way down to $0 each year as long as you maintain a clean driving record.
- 24/7 Claim Service: Our representatives can help with your claim. Call 800-243-5860 or report your car insurance claim online.
Discounts on Car Insurance in Michigan
We besides offer cable car indemnity discounts if you have safety features, like anti-lock brakes and multiple airbags. If you drive a hybrid or electric vehicle, you may besides be able to save money on your cable car insurance premium. Send us proof of an approve defensive driving course and you can enjoy a deduction on your car policy for the adjacent three years. There are many ways to save money on your cable car indemnity with The Hartford .
Contact The Hartford About Car Insurance in Michigan
Common Questions About Car Insurance in Michigan
How Much is Car Insurance in Michigan?
Michigan car insurance rates will be different for everyone, depending on things like your credit history, repel record and indemnity denounce. For exemplify, having an at-fault car accident can affect your car insurance rates. Learn how much car insurance is today .
Why Is Michigan Auto Insurance So Expensive?
car insurance rates differ by drivers and depend on what insurance company you choose. State minimums for the amount of car insurance Michigan requires you to buy besides affects your price. This insurance quote calculator can give you a promptly estimate of how a lot you might pay with The Hartford .
What Is the Minimum Auto Insurance Coverage in Michigan?
Michigan requires bodily injury liability policy and property damage liability indemnity. Since Michigan is a no-fault department of state, you ’ ll likely besides need Personal Injury Protection ( PIP ) coverage .
Does Car Insurance in Michigan Cover Theft?
Yes, comprehensive examination car insurance does cover larceny. comprehensive policies help cover vandalism, larceny and personal property .
How Can I Get a Car Insurance Quote in Michigan?
We make it easy to get an car policy quote. Call us at 888-413-8970 or get a car indemnity quotation on-line in just a few minutes. We ’ ll help you decide how to get the best car insurance in Michigan for your needs.
2 Michigan Department of Insurance and Financial Services, Your Guide to Automobile Insurance – Certain coverage choices require completion of required forms
3 Michigan Department of Insurance and Financial Services, Lower Costs
4 Governors Highway Safety Association, States