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Michigan Auto Insurance

Car insurance in Michigan is mandatory, as the Secretary of State (SOS) requires motorists to purchase no-fault coverage before registering a motor vehicle with the department. Whether motorists purchase comprehensive or discount auto insurance coverage, they must obtain a policy, as out-of-state policies are not acceptable when registering a vehicle. When getting car insurance coverage, the policy must also include personal injury protection (PIP), bodily injury/property damage (BI/PD) and property protection (PPI). Whether obtaining a full coverage car insurance policy or not, the plan must meet these minimum requirements. To get car insurance coverage, residents may search for a policy online, as long as the company is licensed. Before purchasing a policy, motorists can save money on their premium by comparing quotes here. Before purchasing online car insurance coverage, residents may verify the licensure status of the company by contacting the Department of Insurance and Financial Services (DIFS). To learn more about how to get car insurance, review the information below.

Michigan Car Insurance Requirements

When residents buy auto insurance, they must verify that the policy meets the state’s minimum no-fault registration requirements. These MI auto insurance requirements include personal injury protection, bodily injury/property damage and property protection. As such, the automobile insurance policy must include the following:

  • Personal injury protection (PIP) – pays reasonable and necessary medical expenses per lifetime, as well as wage losses or replacement services for up to three years from the date of the accident
  • Property protection (PPI) – pays up to $1 million after motorists damage another resident’s personal property, including a fence or building
  • Residual bodily injury and property damage liability (BI/PD) – pays for defense costs and any damages motorists are responsible for paying after the automobile-related injury or death of another individual

Furthermore, these car insurance coverages do not cover thefts or vehicle damages. However, full coverage auto insurance policies are available for an additional fee if motorists wish to carry collision and comprehensive protection as well. To obtain auto insurance quotes in Michigan, residents may compare rates online here.

Minimum Michigan Auto Insurance Amounts

Whether getting a Michigan car insurance policy to meet the state’s minimum requirements or obtaining a comprehensive plan, motorists must ensure that their BI/PD policy includes $20,000 per person who is injured or killed in a collision, $40,000 for the injuries or deaths of several individuals, and up to $10,000 in out-of-state property damages. These car insurance coverages are also known as 20/40/10. However, higher automobile insurance limits are also available if motorists wish to obtain additional coverages. Several full coverage car insurance policies include the following:

  • Collision and/or comprehensive coverage
  • Uninsured and/or underinsured motorist insurance (UM/UIM)
  • Residual bodily injury liability insurance with increased limits
  • Towing and rental car coverage
  • Limited property damage liability insurance (Mini-Tort)

To obtain cheap auto insurance in MI, motorists may save money by comparing quotes online here.

Where can I get Michigan auto insurance quotes?

To obtain the cheapest auto insurance premiums, it is important to shop around and gather quotes from various companies and agents. Motorists may obtain car insurance quotes online or they may contact any licensed provider in the state. To get Michigan car insurance quotes, applicants generally need to provide their Social Security and driver license number, address, telephone number and the names of any other household members. Additionally, motorists who wish to buy automobile insurance must provide information about their personal driving habits and details pertaining to the vehicle they wish to insure, including its identification number (VIN).

“What is the cheapest car insurance policy I can get?”, motorists may wonder. When getting car insurance quotes, it is important to keep in mind that rates may vary depending on the vehicle type and the applicant’s driving record, experience level and age. Additionally, car insurance quotes may vary depending on how many miles the applicant drives daily or weekly and the number of vehicles the motorist wishes to insure. Furthermore, many car insurance companies offer discounts, including anti-theft device, air bag and anti-lock brake reductions, as well as good student, ticket free and credit-based discounts. To obtain cheap car insurance quotes in MI, motorists can compare prices online here.

How to Get Michigan Car Insurance

After comparing car insurance quotes online, motorists may purchase a policy that best fits their budget and the amount of coverage they wish to carry. In most cases, motorists may get car insurance coverage from any licensed company in the state, regardless of whether the provider does business online or on-site. In Michigan, auto insurance companies must insure any licensed driver, unless the motorist is deemed ineligible. However, ineligible motorists may buy car insurance directly through the Michigan Auto Insurance Placement Facility (MAIPF), or they may compare rates online here. After buying car insurance in MI, motorists must keep the certificate of no-fault coverage in their vehicle at all times.

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