With a population of over 10 million, Michigan is the tenth most populous state in the United States. It is also home to some of the most popular tourist destinations in the country, including Mackinac Island, Detroit, Traverse City, and the Upper Peninsula.
However, Michigan is not without its dangers. The state has a high crime rate, and its winters are notoriously harsh. The Michigan lake frequently affects the state’s weather, especially during severe winters with a lot of snow. Similarly, crime rates in Michigan are higher than the national average, and Detroit is one of the most dangerous cities in the country. Michigan also has a problem with wildfires. In Michigan, firefighters respond to 10,000 to 12,000 wildfires each year. This makes getting insured in Michigan a must, especially if you live there.
Despite its dangers, Michigan is a beautiful state with a lot to offer. To truly make the most of your time in Michigan, choose a local insurance agent and get insurance for you and everything you love right away.
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Find insurance agents near your cities in Michigan
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- Top Agents Near You in Detroit
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Popular Insurance Coverages in the State
State Minimum Coverage
- Property Damage Coverage
- Uninsured Motorist Bodily Injury Coverage
- Bodily Injury Coverage
- Property Protection
- Personal Injury Protection
- Medical Payments
- Rental Car Reimbursement
- Roadside Assistance
Average Auto Insurance Rates in Michigan
Michigan’s average car insurance rate is $3,610, a higher average auto insurance premium than the rest of the country. Of course, various criteria, like your age, where you live, and your driving record, will affect the cost of your auto insurance.
Some people get the basic minimum of protection, while others enjoy the comfort and assurance of greater security. In either case, your local insurance agent can help you find auto insurance reductions in Michigan.
Type of InsuranceAverage Annual Premium Rates
- Detroit $5,081
- Grand Rapids City $2,686
- Warren City $2,926
- Sterling Heights $2,956
- Lansing $2,215
How much does auto insurance in Michigan cost?
In Michigan, the average cost for auto insurance is approximately $3,610 per year or $300 monthly.
What kind of automobile insurance is mandatory in Michigan?
Drivers in Michigan are required by law to carry a 20/40/10 no-fault insurance coverage. This means drivers must carry liability insurance with minimum limits of $20,000 per person, $40,000 per accident, and at least $10,000 in coverage for property damage.
Is Michigan still a no-fault state in 2023?
You must obtain no-fault auto insurance for your vehicle in Michigan by law. If you are in an accident, this mandatory insurance will cover any damages your automobile does to other people’s property, correctly parked cars, and any injuries to individuals.
What is the new Michigan auto insurance law for 2023?
It is against the law for auto insurance firms to base prices on factors including sex, marital status, house ownership, credit score, educational attainment, occupation, and zip codes.
How do I lower my car insurance cost in Michigan?
If you want a low auto insurance costs in Michigan, ask for the most recent PIP coverage options, request higher deductibles, request low mileage discounts, keep your credit score, and shop about and compare rates.
What are the minimum car insurance requirements in Michigan?
In Michigan, the following are the minimal requirements for auto insurance:
- Bodily injury liability coverage: $20,000 per person and $40,000 per accident
- Liability insurance for $10,000 worth of property damage
- Uninsured motorist bodily injury coverage: $20,000 per person and $40,000 per accident
What Insurance Companies offer the lowest cost for car insurance?
Secura, Chubb, and Travelers offer Michigan’s most affordable auto insurance.