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Cheap Car Insurance in Michigan

Bad news for Michigan drivers. According to a 2011 study published by, Michigan has the highest auto insurance rates in the nation. The study showed that the average Michigan driver paid $2,541 annually for auto insurance. This is nearly $1,000 more per year than the national average.

Do you need auto insurance but aren’t sure of how to locate the best packages and the lowest available rates? Try using You can get free quotes and find cheap car insurance in Michigan, both to protect you, your family, and your vehicle.

Michigan Insurance Laws

Operators of motor vehicles in the state of Michigan will have to carry liability insurance to cover damage caused to other vehicles as well as injuries to victims. Michigan is a “no fault” state, meaning that insurance coverage must include a stipulation that mandates injuries to driver and passengers be covered, regardless of who is at fault in a motor vehicle accident.

When shopping online this coverage is automatically added because the comparison site will notice that you are a resident of Michigan. When receiving the quote you will also have the opportunity to add uninsured motorist protection, which is optional but should be considered by all drivers.

Minimum Requirements

When viewing the online quotes remember that your policy will automatically provide the minimum amount of liability protection required in the state of Michigan. You will notice that the basic protection offered will be in the 20/40/10 format, meaning that the coverage offered will provide $20,000 maximum for each person injured in an accident, $40,000 total for all injured people per accident and $10,000 for property/vehicle damage per accident.

You do not have to accept these amounts however; choosing a higher amount gives added security and it is in your best interest to check out the rates when this additional coverage is considered.

Customizing An Insurance Policy

Depending on the vehicle you drive, collision and comprehensive insurance coverage may be a very good idea. Besides, it is required by lenders when they finance a new vehicle and offer you a car loan. Choosing amounts is up to you, but the costs will vary depending on your driving history, the type and value of the car being insured and how much of a deductible you wish to pay in the event of a claim.

Collision insurance covers repairs to a vehicle in the event of an accident that you cause, and you will in most cases be asked to pay a part of these costs yourself. But when shopping online it becomes very easy to compare deductible amounts and the resulting policy costs.

The larger the deductible the smaller the overall cost of the policy, therefore it is up to you to decide the probability of an accident and what costs you would have to pay up front in order to have the claim accepted.

Compare Rates to Save

There is no magic formula for getting cheap car insurance in Michigan. There is the next best thing however, and that is a matching site that connects you instantly to real-time information. Enter your zip code now and find out how much you can save on your auto insurance premiums.

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