Enter your ZIP code:

Michigan Auto Insurance

"The Michigan no-fault system was adopted in 1973 to increase the level of benefits paid to injured persons, make sure such payments are made promptly, and reduce the proportion of premium dollars paid out for legal and administrative costs."

Thank you for visiting our Michigan auto insurance quotes and information site. Finding Michigan auto insurance can take a lot of time and energy—but it doesn't have to be that way. InsureMe makes your search for auto insurance easy! We've contracted with hundreds of auto insurance agents throughout Michigan who want to help you get the policy you need, and will work to offer you the best price possible.

Take just a few minutes to give us a little information, and get on the road to the Michigan auto insurance you deserve today.


Michigan Auto Insurance: Your Questions Answered

Michigan requires drivers to license vehicles, maintain current driver's licenses, and carry no-fault liability auto insurance in order to operate a vehicle within the state. Although these requirements are mandatory, you do have a choice about the Michigan auto insurance company or agent you choose--and how much you pay for your Michigan auto insurance policy.

Michigan's no-fault auto insurance system is the most comprehensive in the nation. Three factors contribute to this uniqueness:

  1. Michigan is the only state in which unlimited medical, wage-loss and rehabilitation benefits are provided for up to three years following an accident- regardless of fault.
  2. Motorists in Michigan do not have the right to sue parties involved with them in auto accidents unless someone is killed or gravely injured.
  3. Unlike in other states, vehicle damage is included in Michigan's no-fault auto policies.

Why Buy Insurance?

There are several reasons why you should purchase Michigan auto insurance. The most significant reason is the financial and medical security buying auto insurance provides in case of an accident. In addition, purchasing auto insurance is state law, so if you own and operate a vehicle in Michigan without obtaining basic no-fault liability insurance, the consequences could be stiff-you could be sued and held personally liable if someone dies or is severely injured as result of your negligence while driving; you may be convicted of a misdemeanor and fined between $200 and $500, imprisoned for up to one year, or both; your license may be suspended for up to 30 days; or you could be held liable for any damages resulting from an accident which occurs during the period you were uninsured.

Driving in Michigan without auto insurance never pays. Don't put yourself or your loved ones at risk in this way.

Michigan Auto Insurance Requirements

Three required portions exist in a basic Michigan no-fault auto insurance policy. These include:

  • Personal Injury Protection (PIP)-Pays your medical costs resulting from an auto accident.
  • Property Protection (PPI)-Pays up to $1 million for damage your car does to someone else's property.
  • Residual Bodily Injury and Property Damage Liability-Pays court costs and any damage for which you are responsible, up to policy limits, as a result of an auto accident. Minimum coverage limits are $20,000 per person, $40,000 per accident and $10,000 for property damage.

Michigan no-fault policies cover everyone in your household, so take this into consideration when comparing various policies and prices.

Other optional coverages include collision, comprehensive and uninsured/underinsured motorist. Talk to a qualified Michigan auto insurer to determine which, if any, of these coverages you need.

Auto Insurance Rate Determination

Michigan auto insurance companies use various factors to determine your auto insurance rates. Your age, the type of vehicle you drive, your driving record, claims history and location all play a vital role in the determination of your insurance premium. Michigan insurance companies set rates according to calculated risk levels, so a driver who has multiple tickets, lives in a high-crime area or drives an expensive automobile will likely pay higher rates than one who has no tickets or accidents, or who drives a less expensive vehicle or one that costs less to repair.

Questions You Should Ask

Knowing what questions to ask Michigan insurance agents, and becoming familiar with both mandatory and optional coverages, is vital in securing an appropriate Michigan auto insurance policy. Keep the following questions in mind when speaking with an auto insurance agent or company to ensure you get the Michigan auto insurance policy you need:

  • Are you licensed in Michigan? How long have you/your company been selling auto insurance?
  • How will factors such as my age and driving record affect my insurance rates?
  • Do I need any additional coverage beyond state-mandated minimums?
  • Do you offer any additional discounts I could take advantage of?
  • Will raising my deductibles reduce my premium? By how much?

Reasons for Denial

The Essential Insurance Act guarantees that auto insurance is available to all eligible Michigan citizens. You are eligible for Michigan auto insurance if you register your car in Michigan and you have a valid Michigan driver's license. However, there are times when an auto insurance company may refuse to insure you.

You might be turned down for Michigan auto insurance if you've been convicted of insurance fraud within the past five years; convicted of a felony using a motor vehicle; driven under the influence of drugs or alcohol; failed to stop at an accident scene to render aid; been convicted of reckless driving; driven a vehicle which does not meet Michigan motor vehicle safety requirements; been charged with non-payment of past insurance premiums; had numerous traffic violations or accidents; or did not meet an insurance company's underwriting requirements.

If you have a question or problem…

Contact your local insurance company or agent. For further unresolved issues, contact the Michigan Office of Financial and Insurance Services at 877-999-6442, or log on to www.michigan.gov/ofis for help.

Get affordable Michigan auto insurance now!

Just fill out our "Get a free quote" box and we'll put you in touch with up to five Michigan auto insurers who will compete for your business. It's fast, easy and-best of all-free!

Get in on the savings today.


Free Auto Insurance Quotes!  
Free Home Insurance Quotes!  
Free Health Insurance Quotes!  
Free Life Insurance Quotes!  
List of Articles
No. Subject Author Views
102 Wyoming Car Insurance youcomparequotes 10778
101 Wyoming Auto Insurance youcomparequotes 10676
100 Wisconsin Car Insurance youcomparequotes 10294
99 Wisconsin Auto Insurance youcomparequotes 10380
98 West Virginia Car Insurance youcomparequotes 11299
97 West Virgina Auto Insurance youcomparequotes 10243
96 Washington, D.C. Car Insurance youcomparequotes 11834
95 Washington, D.C. Auto Insurance youcomparequotes 10927
94 Washington Car Insurance Quotes youcomparequotes 11409
93 Washington Auto Insurance Quotes youcomparequotes 11077
92 Virginia Car Insurance youcomparequotes 10734
91 Virginia Auto Insurance Quotes youcomparequotes 10755
90 Vermont Car Insurance youcomparequotes 12974
89 Vermont Auto Insurance youcomparequotes 10025
88 Utah Car Insurance youcomparequotes 10686
87 Utah Auto Insurance youcomparequotes 10499
86 Texas Car Insurance Quotes youcomparequotes 10733
85 Texas Auto Insurance Quotes youcomparequotes 10730
84 Tennessee Car Insurance youcomparequotes 10178
83 Tennessee Auto Insurance youcomparequotes 10959
82 South Dakota Car Insurance youcomparequotes 10625
81 South Dakota Auto Insurance youcomparequotes 9900
80 South Carolina Car Insurance youcomparequotes 10819
79 South Carolina Auto Insurance youcomparequotes 10696
78 Rhode Island Car Insurance youcomparequotes 10173
77 Rhode Island Auto Insurance youcomparequotes 10544
76 Pennsylvania Car Insurance Quotes youcomparequotes 10875
75 Pennsylvania Auto Insurance Quotes youcomparequotes 11354
74 Oregon Car Insurance Quotes youcomparequotes 11031
73 Oregon Auto Insurance Quotes youcomparequotes 10686
72 Oklahoma Car Insurance youcomparequotes 10721
71 Oklahoma Auto Insurance youcomparequotes 10619
70 Ohio Car Insurance Quotes youcomparequotes 10341
69 Ohio Auto Insurance Quotes youcomparequotes 10359
68 North Dakota Car Insurance youcomparequotes 10442
67 North Dakota Auto Insurance youcomparequotes 10838
66 North Carolina Car Insurance youcomparequotes 14126
65 North Carolina Auto Insurance youcomparequotes 11119
64 New York Car Insurance Quotes youcomparequotes 10359
63 New York Auto Insurance Quotes youcomparequotes 11210
62 New Mexico Car Insurance youcomparequotes 9816
61 New Mexico Auto Insurance youcomparequotes 9935
60 New Jersey Car Insurance youcomparequotes 10164
59 New Jersey Auto Insurance youcomparequotes 10303
58 New Hampshire Car Insurance youcomparequotes 11198
57 New Hampshire Auto Insurance youcomparequotes 10827
56 Nevada Car Insurance youcomparequotes 10537
55 Nevada Auto Insurance youcomparequotes 10569
54 Nebraska Car Insurance youcomparequotes 10214
53 Nebraska Auto Insurance youcomparequotes 11119
52 Montana Car Insurance youcomparequotes 10239
51 Montana Auto Insurance youcomparequotes 10399
50 Missouri Car Insurance youcomparequotes 10557
49 Missouri Auto Insurance youcomparequotes 10455
48 Mississippi Car Insurance youcomparequotes 10865
47 Mississippi Auto Insurance youcomparequotes 10506
46 Minnesota Car Insurance Quotes youcomparequotes 11002
45 Minnesota Auto Insurance Quotes and Information youcomparequotes 11098
44 Michigan Car Insurance youcomparequotes 10191
» Michigan Auto Insurance youcomparequotes 9921
42 Massachusetts Works to Install Competitive Auto Insurance Market youcomparequotes 17143
41 Massachusetts Auto Insurance Reform youcomparequotes 11008
40 Maryland Car Insurance youcomparequotes 11199
39 Maryland Auto Insurance youcomparequotes 11217
38 Maine Auto Insurance youcomparequotes 10882
37 Louisiana Car Insurance youcomparequotes 11082
36 Louisiana Auto Insurance youcomparequotes 10530
35 Kentucky Car Insurance youcomparequotes 10590
34 Kentucky Auto Insurance youcomparequotes 10342
33 Kansas Car Insurance youcomparequotes 10171
32 Kansas Auto Insurance youcomparequotes 10600
31 Iowa Car Insurance youcomparequotes 10392
30 Iowa Auto Insurance youcomparequotes 10361
29 Indiana Car Insurance youcomparequotes 10433
28 Indiana Auto Insurance youcomparequotes 10398
27 Illinois Car Insurance youcomparequotes 10415
26 Illinois Auto Insurance youcomparequotes 10062
25 Idaho Car Insurance youcomparequotes 10284
24 Idaho Auto Insurance youcomparequotes 10370
23 Hawaii Car Insurance youcomparequotes 10717
22 Hawaii Auto Insurance youcomparequotes 10804
21 Georgia Car Insurance youcomparequotes 10023
20 Georgia Auto Insurance Quotes youcomparequotes 10918
19 Florida Car Insurance Quotes youcomparequotes 11654
18 Florida Auto Insurance Quotes youcomparequotes 10358
17 Find Maine Car Insurance youcomparequotes 10326
16 Delaware Car Insurance youcomparequotes 10615
15 Delaware Auto Insurance youcomparequotes 10494
14 Connecticut Car Insurance youcomparequotes 10411
13 Connecticut Auto Insurance youcomparequotes 10170
12 Colorado Car Insurance Quotes youcomparequotes 10423
11 Colorado Auto Insurance youcomparequotes 9975
10 California Car Insurance Quotes youcomparequotes 10917
9 California Auto Insurance Quotes youcomparequotes 11055
8 Arkansas Car Insurance youcomparequotes 10361
7 Arkansas Auto Insurance youcomparequotes 10595
6 Arizona Car Insurance Quotes youcomparequotes 10550
5 Arizona Auto Insurance youcomparequotes 10983
4 Alaska Car Insurance youcomparequotes 10597
3 Alaska Auto Insurance youcomparequotes 11514
2 Alabama Car Insurance youcomparequotes 10202
1 Alabama Auto Insurance youcomparequotes 10741
XE Login