Cheapest Car Insurance In Michigan
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Weve reviewed the best car insurance and cheapest car insurance companies in the industry to help drivers find affordable coverage, and well go over our cheapest recommendations for Michigan car insurance here. We recommend that you get free car insurance quotes from multiple providers and compare to find the best rates for your situation.
In the following article, youll find estimates for drivers from different profiles and a list of recommended providers. Youll also find key information about Michigan insurance laws and regulations.
Consider Your Individual Needs
Your driving history, type of vehicle, and age are among the more than a dozen rating factors auto insurers use to determine your rate, according to the Triple-I. One thing to note, however, is that Michigan bans the use of credit scores as a car insurance rating factor. When shopping for auto insurance in Michigan, consider if you are looking for the cheapest auto insurance rate, a company with digital assets, strong customer service ratings or a wide variety of coverage options. Once you determine what you are looking for, you can get quotes to compare them.
Michigan has the second-highest percentage of uninsured drivers in the nation. According to data from the Insurance Research Council, 25.5% of Michigan motorists were estimated to be uninsured as of 2019. Uninsured motorist coverage may be worth considering, as it could help pay your bills if an uninsured driver hits you.
Choosing The Right Car Insurance Company In Flint Mi
Car insurance is expensive in Michigan, but you have to have car insurance if you want to drive legally. But the best company for you is the one that offers you the most coverage at the lowest rates, and the only way to find that company is to compare multiple options before you choose a policy.
Policygenius makes it easy to compare options from top companies, so you can choose the coverage that works best for you.
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Overview Of Car Insurance In Michigan
Auto insurance laws in the state of Michigan are some of the most complex in the country. This is because Michigans no-fault laws require specific coverages and do not allow drivers to make claims against other drivers insurance companies in the case of an accident. These complicated laws and required coverages make Michigan car insurance far more expensive than the national average.
However, if you shop around for car insurance and consider some top providers, you might be able to find great cheap Michigan car insurance.
How To Find The Best Car Insurance In Michigan For You
MoneyGeeks analysis shows that the best auto insurance company in Michigan provides a balance between cost, customer service and financial stability. If youre looking for an insurance policy in Michigan, you should consider these factors.
MoneyGeek collected this information for you however, you can also go through the process yourself.
Research customer service reputations in Michigan
You can look up J.D. Power satisfaction scores and NAIC complaint ratios in Michigan for insurance providers that you want to research. Michigans Department of Insurance and Financial Services is also a great resource.
Compare quotes for yourself
MoneyGeek collected average car insurance quotes for a sample driver across many locations in Michigan, but not all of the state. You should always compare quotes from at least three insurance providers to get a good idea of how much insurance costs in your area.
Make sure the company has coverages you want in Michigan
Sometimes, insurance providers may advertise certain coverages and discounts which are not available in your location. Always confirm with the company that they offer the coverage or discount you want.
Double-check financial stability ratings
When choosing an insurance company, you should make sure that the company is financially stable. A company with a low financial stability rating may not be able to settle your claims on time.
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Cheapest Full Coverage Car Insurance In Michigan For 30
Drivers in Michigan with clean driving records may get the lowest rates from these companies:
Secura: $1,046 per year, or about $87 per month.
Geico: $1,166 per year, or about $97 per month.
Wolverine Mutual: $1,173 per year, or about $98 per month.
Chubb: $1,636 per year, or about $136 per month.
MetLife: $1,692 per year, or about $141 per month.
What Is Coordinated Pip Coverage
Some insurers may offer a discount if your health insurance agrees to pay for auto related injuries before PIP coverage has to pay, up to the health policy limits. This is called a coordinated health plan. This saves expenses from the PIP coverage, and therefore if offered, you are eligible for coordinated PIP coverage at an appropriately reduced rate. Not all auto insurers offer coordinated PIP coverage under their policies.
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Consider Minimum Insurance Requirements In Michigan
Auto insurance is required by law in Michigan, as it is in most states. In Michigan, you must carry at least certain minimum insurance coverage types and limits to drive legally. Because Michigan is a no-fault state, there are car insurance requirements in addition to bodily injury liability and property damage liability coverage you must also purchase personal injury protection and personal property insurance . Understanding your states minimum car insurance coverage requirements might help you determine if you need to buy higher limits, as many insurance experts suggest. Higher levels of bodily injury liability and property damage liability offer more financial protection.
Minimum Car Insurance Requirements In Michigan
All motor vehicles operated or parked on Michigan roadways are required to be insured. Proof of insurance must be carried in your car at all times and must be available when:
Requested by law enforcement
Renewing vehicle registration
The vehicle is involved in a car accident
Michigans unique No Fault insurance program includes multiple levels of protection available depending on residents Medicare or Medicaid status and the insurance status of relatives.
The minimum required insurance levels for Michigan are:
$50,000 per accident for PIP
Personal injury protection coverage, also referred to as PIP coverage, will cover the policyholder for medical payments they incur in the event of an accident. Depending on your plan, you may also receive non-medical benefits, compensating you for lost wages, household expenses, and even funeral costs.
$1,000,000 per accident for PPI
Property protection insurance, referred to as PPI coverage, is a type of coverage unique to Michigan. It acts similarly to traditional property damage insurance, but only applies to property damaged in accidents that occur within the state of Michigan.
The minimum liability insurance requirements for private passenger vehicles in Michigan are:
$250,000 per person for bodily injury
$500,000 per accident for bodily injury
$10,000 per accident for property damage
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Average Car Insurance Cost In Michigan
The average cost of car insurance in Michigan is $2,345 per year for full coverage, far more than the national average of $1,771 per year. Michigan residents also pay more for minimum coverage car insurance at $946 per year versus the national average of $545 per year. Michigan drivers also pay more than drivers in surrounding states, with Indiana enjoying an average full coverage premium of $1,242 per year and Illinois drivers pay an average of $1,533 per year for full coverage. The average rates in the Great Lakes State are relatively high, but shopping for the cheapest car insurance companies in Michigan could help you get a lower premium.
The higher-than-average rates could be due in part to the millions of Michigan residents on the road and the additional 125 million visitors that visit the state each year. Michigan is no stranger to crowded roadways, which could lead to more accidents. Michigan is also a no-fault state, which may contribute to its high average rates. Drivers are required to carry personal injury protection coverage, which pays for your injuries and the injuries of your passengers after an accident, regardless of who was at fault.
|Average annual premium for minimum coverage in Michigan||Average annual premium for full coverage in Michigan|
Car Insurance Rates For Drivers With Driving Violations In Michigan
The more tickets and accidents you have on your record, the higher your rates will be. Drive with care, avoid accidents, and stay within posted speed limits if you want a better rate on your car insurance.
If you already have a spotty record, be sure to shop around to find the companies that will still offer you affordable rates.
We don’t sell your information to third parties.
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Discover The Best Carrier For You
USAA has the cheapest full coverage auto insurance premium in Michigan on our list, but it only sells insurance to current or former military members and qualifying family members. Because of this, USAA is not eligible for an official ranking with J.D. Power. However, the company consistently receives high customer satisfaction scores. USAA offers great average rates, numerous ways to save and has a solid mobile and online presence. If you qualify for coverage with USAA, you may want to consider getting a quote.
Learn more:USAA Insurance review
Carmaster Affordable Auto Insurance Of Michigan
This company took the time to explain every coverage element and how it would work for each individual. They got the best car insurance quotes and were always willing to help with any questions or changes I had! Thank you so much for your excellent customer service.
This auto insurance company gave me reasonable rates on my truck insurance policy, and I have never had any problems with them. I have been with this company for over five years, and they have always cared for me. I’m one of their happy clients.
This company took good care of my cheap car insurance policy needs when I was in a car accident, and their rates are very affordable. They have my absolute endorsement and come highly advisable to any of my loved ones. Thank you for always being there for my family and me!
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Car Insurance Discounts In Michigan
Finding car insurance discounts in Michigan is relatively easy because most auto insurers offer ways to save. Each carrier provides its own unique discounts, though, so check each company to see what discounts they have.
Here are some of the common discounts for Michigan drivers:
- Young driver discounts: If you are a full-time student, you may want to ask your insurance agent about discounts. Many companies offer discounts for students who maintain good grades or who are away at college without a vehicle.
- Safe driver discounts: Most Michigan auto insurance companies offer discounts for safe drivers. Many insurance companies offer this automatically, but you may need to request that it be added to your policy if you have no accidents or tickets on your driving history.
- Other discounts: If your insurer offers both auto and homeowners insurance, it likely offers a discount for bundling both policies. You could earn a significant discount on your auto and home policies by insuring them with the same company. Paying your entire premium in full, as opposed to paying in monthly or quarterly installments, could also help you save.
You can often find information about a companys discounts on its website or you can get this information from your insurance agent. They may be able to help you identify numerous savings opportunities.
If My Health Insurance Is Considered Qualified Health Coverage Do I Still Have To Purchase Pip Coverage With My Auto Policy
No. You will need to confirm your benefits with your health insurance provider or employer prior to making any decisions on selection of PIP coverage. Even if your health policy is qualified health coverage, you will want to take into consideration the differences between what your health policy covers and what PIP coverage provides, as well as your own needs before deciding which PIP coverage option is right for you and your family.
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Cheapest Car Insurance After A Speeding Ticket: Progressive
Michigan drivers with a recent speeding ticket can find affordable full-coverage insurance from Progressive, which offers rates that are 77% cheaper than the state average of $10,678 per year.
Cheapest Michigan auto insurance companies for drivers with a ticket
*USAA is only available to current and former military members and their families.
A single speeding ticket increases insurance rates in Michigan by 49%, on average. However, some insurers raise prices more than others. Frankenmuth only raised premiums by 11%, while drivers with AAA can expect their rates to double.
Average Car Insurance Cost In Michigan Per Month
In Michigan, the average premium for car insurance is $178 per month.
The price for the same coverage may differ between companies, which is true of every auto insurance company. When looking for car insurance rates in Michigan, it is a promising idea to get quotes from many firms.
As per the rate analysis conducted by Insure.com, the company which offers cheapest car insurance premiums in Michigan is Geico. The average annual cost is $1,309 while the average cost per month is $109. The second-best option available is, USAA, offering insurance at an average per month cost of $110.
The table below lists the other available car insurance companies which offer car insurance in Michigan, along with their average cost per month and average annual cost.
Read our guide to best car insurance companies of 2022
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What Michigan Car Insurance Coverage Is Right For You
The chart above shows the minimum Michigan auto insurance you need. But depending on your budget and needs, you might want to consider increased coverage for more protection. Well help you customize your Michigan car insurance to get the coverage that fits you. See all of our auto coverage options.
Buying Car Insurance In Flint Mi
All Flint drivers must meet the minimum car insurance requirements in the state of Michigan.
Bodily Injury Liability Coverage Per Person: $50,000
Bodily Injury Liability Coverage Per Accident: $100,000
Property Damage Liability Coverage: $10,000
Personal Injury Protection: Amount varies depending on health coverage
Michigan requires drivers to carry personal injury protection, though the exact amount required varies on the type of health insurance drivers have. Michigan also requires property protection insurance with a minimum limit of one million dollars.
Michigan is a no-fault state when it comes to car accidents. This means that after an accident, drivers must seek compensation for their injuries from their own car insurance company, even if another driver was at fault.
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Cheapest Michigan Auto Insurance Companies For Full Coverage
USAA is only available to current and former military members and their families.
Full-coverage policies include liability insurance collision insurance, which covers your own car in an accident and comprehensive insurance, which protects your car against weather-related damage, theft and vandalism.
Cheapest Full Coverage Car Insurance In Michigan For 60
Drivers in Michigan with clean driving records may want to think about getting quotes from these companies, which had the lowest average rates:
Wolverine Mutual: $819 per year, or about $68 per month.
Secura: $947 per year, or about $79 per month.
Hastings Mutual: $1,164 per year, or about $97 per month.
Geico: $1,169 per year, or about $97 per month.
MetLife: $1,170 per year, or about $98 per month.
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Michigan Car Insurance Cost By Age
The price you pay for car insurance in Michigan is far above the national average. However, that doesnt mean that you cant find affordable coverage in the state. Our research shows that young drivers pay the highest car insurance premiums with rates lowering in their early 20s.
- The make, model, year and mileage of your vehicle
Average Cost Of Auto Insurance Companies In Michigan
Auto insurance in Michigan is the most expensive in the country, with an average premium of up to $2,649 annually. Refer the following table to get the numbers of the different insurance quotes.
- In addition to liability coverage, collision coverage protects your own vehicle in the event of an accident, and comprehensive coverage protects your vehicle from weather-related damage, theft, and vandalism.
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Cheapest Car Insurance In Michigan For Minimum Required Coverage
Progressive provides the most affordable full-coverage auto insurance for most Michigan drivers. The company’s average annual fee is $2,060, which is 71% less than the state’s average. However, rates vary greatly depending on the car insurance companies, your region, your driving record, and other things. Compare quotes from various insurance to ensure you get the best deal.
Best Car Insurance In Michigan For Customer Service
Hartford earned the top spot in MoneyGeeks analysis of the best auto insurance provider in Michigan for customer service.
Take a look at our top two picks with the following scores:
- The Hartford: MoneyGeek score of 90 out of 100
- Cincinnati Insurance: MoneyGeek score of 90 out of 100
These two providers received the highest marks based entirely on claims ratings and user satisfaction, and without considering the affordability of policies.
THE TOP TWO CAR INSURANCE COMPANIES IN MICHIGAN FOR SERVICE QUALITY
Hartford has the highest customer satisfaction score in Michigan: 4.5 out of 5. It tied second for claims with a score of 4.5 out of 5.
Hartford provides full glass coverage to its customers, helping pay for a cars headlights, mirrors and windows repairs without any deductible. It also offers gap insurance and accident forgiveness.Gap insurance covers the difference between the cars actual cash value and the car loan or financing balance if its stolen or wrecked. This add-on best suits those car owners who have leased or financed their cars.On the other hand, it also provides coverage for roadside assistance. If youre driving and have an accident along the way, Hartford covers the towing expenses and labor fees to ensure your vehicle is up and running.Hartford has good customer service, which is very important for an auto insurer when you need them in a crisis.Read MoneyGeek’s The Hartford Auto Insurance Review
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