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Trying to find car insurance quotes in Michigan? This article will help you find auto insurance in Michigan.
Do You Need Car Insurance In Michigan?
Yes! All drivers in Michigan need car insurance. You can’t legally drive without car insurance in Michigan. So you’ll want to have insurance before you get behind the wheel. In fact, you probably wouldn’t even want to drive without insurance.
What Type Of Car Insurance Do I Need?
In Michigan, drivers need liability coverage. The state minimum requirement is $20,000 for bodily injury or death to one person, $40,000 for more than one person and $10,000 for property damage per accident.
As of earlier last year, the law no longer requires unlimited personal injury protection. But you’ll still have to have some amount of it. Of course, you actually need more coverage, depending on your situation.
Which Car Insurance Companies Are In Michigan?
According to The Zebra, here are the top 10 Insurance Companies in Michigan by cheapest average premium.
- Safeco
- MetLife
- USAA
- Chubb
- MEEMIC
- Pioneer State Mutual
- Progressive
- State Farm
- Farmers
- Hanover
Why Is Car Insurance So Expensive In Michigan?
There are several reasons why your car insurance may be so expensive. Those reasons are true regardless of the state. However, the unlimited personal injury protection requirements of the past raised rates.
It was one of the highest PIP requirements in the nation, if not the highest. Average rates will likely go down. Although this is no longer required, you may still want a high amount of coverage.
Summary
Now you know the state minimum auto insurance requirements in Michigan. You know where to find car insurance quotes in Michigan and even have a list of some places to look for quotes. Try and get at least 10 quotes before you pick a carrier.
Let us know in the comments where you found the cheapest rates!
Adam is a license Property and Casualty Insurance Agent for over two years in 25 States. He has worked with 10 different insurances companies. His interests include marketing, insurance, sales, and personal finance.
