• Enter your Zip Code

  
  

  Do you currently have auto insurance?
  Yes No
  

Michigan Car Insurance

Michigan motorists--learn more about the state-specific auto insurance requirements as well as your lovely state. Useful information is provided here to make you a safer driver, save you money, and enhance your enjoyment of the scenic drives in Michigan.

About Michigan

Michigan is a state of unspoiled beauty cherished by those who love the great outdoors.  With vast tracts of forest, beaches, lakes, rivers, and dunes, Michigan retains a natural beauty enjoyed by millions every year.  Prominent industries include automobile production, printing, and iron and copper mining. 

Before you buckle up to drive in Motor City or anywhere else in Michigan state, it is necessary to know the minimum insurance requirements to ensure that you are adequately protected in case of an accident.

Startling Statistics 

1,283 people died in car crashes in the state of Michigan in 2003 alone!  Here are some statistics pertaining to these crashes:

• 959 fatalities were passenger vehicle occupants.
• Over 40% of fatalities were not wearing a safety belt or were not restrained in a car seat as is required by state law.
• Alcohol consumption was involved in 30% of incidences resulting in fatalities.

Additionally, car crashes cost Michigan over 8 billion dollars over the course of a twelve month period!  The only way to ensure that you are protected in the event of an accident is to purchase adequate car insurance from a licensed insurance provider.

Michigan Car Insurance Basics

Michigan is a no-fault state, meaning the insurance company makes payments for injuries up to a set amount.  Michigan requires minimum coverage of "20/40/10."  This insurance is outlined below:

• $20,000 injury/death of one person in any one accident.
• $40,000 injury/death of two or more persons in any one accident.
• $10,000 property damage or destruction.

Personal Injury Protection (PIP) and Property Protection Insurance (PPI) insurance are also required by state law.

Saving Money on Auto Insurance

Since Michiganders typically pay more than the national average for their car insurance, it is important to research rates before committing to a company.  Here are some tips for saving on car insurance:

• Shop around.  Quotes can vary by up to $500.00.
• Check your credit report.  Inaccuracies can cost you.  If your policy was written when your credit was poor and it has since improved, ask the company to re-run your credit. This action often results in savings over the long term.
• Take advantage of oraganizational discounts.  Are you a member of the military or a professional organization?  A fraternity or sorority?  Many organizations offer discounts as a perk of membership.

Top Cities

• Detroit
• Lansing
• Grand Rapids
• Ann Arbor