Michigan Car Insurance
Michigan is the home of the Motor City, the University of Michigan, Mackinac Island, the Cherry Festival, the Tulip Festival, and many other fantastic events like the Electronic Music Festival and others. To take advantage of all of the festivals, events, and beautiful nature in the state, you will want to have a driver’s license. For people who are driving in the state, they will also need a valid car insurance policy as well.
With automobile insurance policies being more expensive in Michigan than they are in many other states, comparing auto insurance companies to help save money can have a huge impact. Michigan is a no-fault state, meaning that the requirements for insurance are higher than some other states, and your own insurance policy pays for some of your damages if you are in an automobile accident.

Auto Insurance Requirements In Michigan
Michigan requires that people carry minimum amounts in their car insurance plan of a few different types of auto insurance policies. The requirements for insurance in the state include $20,000 and bodily injury insurance coverage per person, per accident, as well as $40,000 of bodily injury coverage for all persons per accident. In addition, the state of Michigan requires drivers to have $10,000 in property damage liability. Other insurance types that are required in the state of Michigan include uninsured motorist bodily injury coverage, which is at an amount of $20,000 per person and $40,000 per accident. Lastly, unlimited personal injury is required, with a zero, $300, or $500 deductible.
Average Cost Of Coverage In Michigan
The average cost for car insurance in Michigan is above the national average; and new bills and laws were passed in 2019 to try and lower rates. The legislation that was passed has been questioned as to whether or not it will save policyholders in the long run, but drivers are hoping they will see a decrease in their rates. Due of this, it is even more important to compare rates from different auto insurance companies to find the best prices for car insurance to fit your needs.
Cheapest Car Insurance Companies In Michigan
Auto insurance providers use a formula that includes a large number of variables to determine people’s rates. Each car insurance company can weigh these variables differently, leading to a large fluctuation of prices from one company to the next in some cases. Some of the variables that are considered include the type of car you are getting insurance for, your auto insurance history, your driving record, and your geographical location.
Some car insurance companies provide less expensive car insurance on average in some states. Among the cheapest car insurance companies in the state are MetLife, Hastings Mutual, and Auto-Owners.
Cheapest Car Insurance in Michigan by City
Auto insurance can vary drastically by city as well, with Ann Arbor, Chesterfield, East Lansing, Holland, and Wyoming being the cheapest cities for car insurance in the state. It is still important to shop around with multiple auto insurance companies to save the most money on your auto insurance policy each person is in a different situation.
Most Expensive Car Insurance In Michigan By City
Some cities are more expensive than others as well, and on the list of most expensive auto insurance in Michigan, in terms of cities, include Westland, Warren, Roseville, Pontiac, Novi, Grand Rapids, and Detroit. These cities, among others, have been deemed to be more risky cities for drivers to own vehicles in, and therefore people living there are more likely to file claims.
Laws, Rules And Penalties In Michigan
In order to legally drive in the state of Michigan, drivers must have proof of insurance on them whenever they are operating a motor vehicle. The rules and regulations, as well as the penalties, for driving without insurance have changed over the years, and while they are less severe than they used to be, they are still hefty.
For drivers being caught with the first offense, they will be ticketed and fined. Other penalties that can come from driving without insurance in the state of Michigan include the suspension of a drivers registration, the suspension of a driver’s license, the impounding of a driver’s car, and more. To avoid these penalties, make sure to carry your auto insurance policy with you whenever you are driving a vehicle.
How To Save Money On Car Insurance in Michigan
There are many ways to save on auto insurance, and this website is the best place to start. Finding the top prices for car insurance with the best auto insurance providers is easier to do when you compare multiple companies for pricing, customer service, and financial strength. Michigan car insurance is more expensive than many other states, but you can find the cheapest car insurance policies by shopping around, looking into discounts, and maintaining a safe driving record.