Enter your ZIP code:

Michigan Car Insurance

Welcome to InsureMe's Michigan car insurance quotes and information page. Searching for Michigan car insurance can take a lot of patience and energy. But that's where we come in. InsureMe makes finding Michigan car insurance easy! We work with hundreds of car insurance agents throughout Michigan, and we can help you get the policy you need. Best of all, our agents employ competitive pricing-which means you get the best coverage at the best price.

Our application process is quick and easy. Spend just a few minutes filling out your information, and we'll get you up to five affordable Michigan car insurance quotes.

Get on the road to the Michigan car insurance you deserve today!


Michigan Car Insurance Facts and Requirements

As a Michigan driver, you must license your vehicle, maintain a current driver's license, and carry no-fault liability car insurance in order to operate a vehicle within the state. Although these requirements are mandatory, which Michigan car insurance company or agent you choose is completely up to you, as well as how much you choose to pay for your policy.

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

  • Personal Injury Protection (PIP)-Pays your medical costs resulting from a car 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 accident. Minimum coverage limits are $20,000 per person, $40,000 per accident and $10,000 for property damage.

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

Michigan's no-fault car insurance system is the most comprehensive in the nation. Three factors contribute to this uniqueness. First, 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. Secondly, motorists in Michigan do not have the right to sue parties involved with them in auto accidents unless someone is killed or gravely injured. Finally, unlike in other states, vehicle damage is included in Michigan's no-fault car insurance policies.

"Why do I need car insurance?"

There are two main reasons why you should purchase Michigan car insurance:

  • To assure financial and medical security in case of an accident
  • To ensure you follow state law…it is against the law to own and operate a vehicle in Michigan without obtaining basic no-fault liability insurance-and consequences could be stiff

If someone dies or is severely injured as result of your negligence while driving and you do not have Michigan car insurance, you could be sued and held personally liable. You may also be convicted of a misdemeanor and fined between $200 and $500, imprisoned for up to one year, or both. Your Michigan license may be suspended for up to 30 days, and you could be held liable for any damages resulting from an accident occurring during the period in which you were uninsured. So don't risk driving in Michigan without car insurance!

"Why should I comparison shop?"

Shopping for car insurance is not as hard as it seems. Comparison shopping works-and it saves you money! A wide variety of insurance companies and agents sell Michigan car insurance policies, so it pays to compare rates, terms and coverage to get what you need. Those companies which do not offer competitive prices must eventually either lower their rates or be satisfied with fewer customers. Sometimes the best rates and service come from companies you may not be familiar with, so don't rule out a Michigan car insurance company for this reason.

"What if I am deemed 'ineligible' for car insurance?"

Michigan law guarantees the availability of car insurance to all Michigan citizens through the Michigan Auto Insurance Placement Facility (MAIPF). If your car is registered in the state and you have a valid Michigan driver's license, you can get insurance for your car- regardless of your record. If an insurer says you are ineligible for coverage, ask him to submit your application to the MAIPF. Agents are required by state law to file for this type of car insurance upon request. Rates may be higher than in the voluntary market, but if you maintain a good payment history and driving record, you will eventually be able to move toward a more traditional Michigan insurance policy.

Information to Have Available

Be prepared to provide Michigan car insurance agents with the following information:

  • Personal information such as your name, address, phone number, Social Security number and income
  • Your vehicle identification number (VIN)
  • The purpose for which your car is used
  • Information about any safety or security devices installed in your car, such as air bags or anti-lock brakes
  • Information on your past driving record, including any tickets or accidents

Honesty is always the best policy. Knowingly concealing or misrepresenting yourself or your driving record on your Michigan car insurance application may cause denial of coverage-or, worse yet, denial of future car insurance claims. So always answer questions fully and accurately.

Reducing Your Premium

Keep the following guidelines in mind when searching for an affordable Michigan car insurance premium:

  1. Find out how much the insurance will be on a new car before you buy it
  2. Shop around before settling on a particular policy
  3. Set deductibles as high as affordably possible
  4. Don't duplicate coverages
  5. Ask about all discounts offered
  6. Inquire about policies offered through particular groups
  7. Consider dropping unnecessary coverages

Questions or Problems?

Contact a local insurance company or agent for questions about Michigan car insurance. 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.

Affordable Michigan car insurance is just a click away!

We hope this information has answered some of your questions about Michigan car insurance. Now just fill out our "Get a free quote" box and we'll send you up to five Michigan car insurance quotes free of charge-and with absolutely no obligation!

What are you waiting for? Stop spending countless hours searching for the insurance you need. Let InsureMe do it for you!


Free Car 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
» Michigan Car Insurance youcomparequotes 10191
43 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