Michigan Auto Insurance Guide
Get affordable Michigan auto insurance quote rates for free.
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Get affordable Michigan auto insurance quote rates for free.
Call Now: (866) 845-3808
From Sault Ste. Marie to Shelby, Ann Arbor to Grand Rapids , Michigan has thousands of miles of roadways. They’ll take you from the Upper Peninsula across the Mackinac Bridge, along the shores of Lake Huron and into downtown Lansing .They’re used by more than 7 million licensed drivers, who each put in an average of 9,500 miles a year. Along the way, those drivers are involved in thousands of traffic accidents every year, including many that result in serious injury or death. Wherever you live and drive in the Wolverine State, carrying adequate car insurance is both a legal requirement and commonsense protection. This is your guide to Michigan’s basic vehicle insurance requirements and laws.
Michigan state law requires you to carry a minimum amount of car insurance. Failure to do so can result in severe penalties that may include monetary fines and jail time. Michigan is a no-fault state. That means your insurance will pay your injury claims up to a specified limit, regardless of who caused the accident. Under a no-fault system, you lose some of your rights to sue for damages.
The bare minimum car insurance requirement for Michigan drivers is:
Uninsured motorist coverage must be offered but can be rejected in writing if you prefer not to buy it. Michigan does not require you to carry additional coverage such as personal liability or Collision and Comprehensive. However, If you own property or other valuable assets, supplementing the minimum requirements can help you protect yourself from monetary loss.
You are required by law to carry proof of Michigan car insurance in your car and show it if a law enforcement officer asks to see it. Failure to do so can result in severe penalties. You can be fined between $200 and $500, sentenced to up to one year in jail, or both. You driver’s license can be suspended or revoked until you can show proof of insurance. If you are involved in an accident while driving without insurance, you will be held personally liable for all of any injured person’s accident-related medical bills and lost wages. You can be sued by the injured party for pain and suffering. Your license will be suspended until you have met the payment.
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Vehicle insurance premiums are regulated by the Michigan Department of Insurance and Financial Services. Insurance companies are allowed to charge premiums and award discounts based on a number of factors that can include:
Michigan also allows insurers to consider your credit rating to determine your premium.
You may be able to lower the cost of your premiums in the following ways:
Laws regarding driving and car insurance can change frequently. It is your responsibility to stay current about the legal requirements in Michigan. The following laws have recently been enacted in Michigan and may affect your insurance coverage decisions.
Michigan Department of Insurance and Financial Services
Michigan Department of State/Motor Vehicles