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Michigan Auto Insurance

As a Michigan resident, you must have a Michigan auto insurance policy to drive your car.  But as budgets grow tighter, everyone looks for lower their auto insurance rates.  Fortunately there are things you can do to save money on car insurance; the key is to know as much as you can about buying automobile insurance in Michigan, then comparison shop for the lowest rates based on your needs.  Insurance-Rates-Online can help you do both, so you can keep more dollars in your wallet!

Michigan Auto Insurance Minimum Liability Coverage

Michigan requirements for minimum liability coverage, which Michigan calls residual liability insurance, are about average compared to other states.  You are required to carry 20/40/10 insurance, which means:

$20,000 in bodily injury liability coverage for a single individual hurt in an accident
$40,000 for multiple individuals injured in a single incident
$10,000 property damage liability for repair property belonging to other individuals. 

Since Michigan is a no-fault state, if you are injured in an accident, your insurance policy is required to pay the medical bills first, regardless of who is at fault.  That’s why you are also required to purchase a personal injury protection (PIP) so that you will have insurance coverage to immediately cover medical bills in case of an accident. 

When Extra Coverage Is Recommended

Think for a moment about how quickly medical bills can add up.  Just purchasing the minimum amount of required Michigan auto insurance will most likely be insufficient if you are responsible for a serious accident; in that case, once your insurance runs out, you are personally responsible for any additional money due.  That’s why it’s worth the extra money to purchase a larger policy, usually 100/300/50 – to protect your home and savings in case of an accident.  The difference in cost compared to the coverage you receive is one of the best values around in car insurance in Michigan.

If you have a loan on your car, you will be required to purchase collision insurance, which repairs your vehicle in case of an accident, and comprehensive insurance, which repairs your car in case of damage caused by things like fire, theft, floods, or hitting an animal.

Though Michigan does not require uninsured/underinsured motorist coverage, this is also an excellent idea to include in your vehicle insurance policy.  This protects you in case you’re in an accident caused by a motorist with too little or no auto insurance. 

Ways to Save on Michigan Auto Insurance

There are many ways to save on auto insurance in Michigan.  Begin by reviewing your deductible amounts.  Most people choose a $250 deductible on their auto insurance policies.  If you can handle a higher deductible, like $500 or even $1000, you will receive a considerable discount on your car insurance rates.  Consider a higher deductible on your PIP coverage as well.

Maintain a good driving record.  We’ve all heard of the good driver discount – and it does exist.  On the other hand, tickets and accidents will increase your insurance rates, and enough infractions can actually be a reason for non-renewal.  

Choose your car wisely.  Your car insurance rates will directly correlate to the cost of repairing the vehicle in an accident, the safety features included on the automobile, and even whether it’s a popular model with car thieves.

For more ideas on how to save money on auto insurance, read our Auto Insurance Shopping Tips Guide.

More Information on Car Insurance in Michigan
If you have any additional questions or issues with vehicle insurance in Michigan, contact the Michigan Office of Financial and Insurance Services, P.O. Box 30220, Lansing, MI 48909, 877-999-6442 or visit their website at

Time to Shop for Michigan Auto Insurance

Now that you know how to purchase car insurance, the first step is to get several quotes from Michigan auto insurance companies.  Luckily this is easy to do, thanks to the Internet; just enter your zip code in the box below, and you’ll be instantly matched with over a dozen insurance providers offering auto insurance in Michigan.  Request free quotes from three or four different car insurance companies (don’t worry, we’ve made sure their sites are secure so your information is safe), then choose the policy which best fits the needs of you and your family.

Why wait?  Request free Michigan auto insurance quotes now, and start saving today!


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