Michigan auto insurance

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Helpful information when buying auto insurance

With its proud history as the center of auto production in the world, Michigan plays a vital role in making vehicles available to the nation. For residents to make the most of the Great Lake State and to meet work and life commitments, a vehicle remains a necessity. While owning a car or truck offers personal freedom, it also comes with challenges, such as driving safely in bad weather and watching out for reckless drivers. Quality Michigan auto insurance protects you from many of the financial risks of vehicle ownership.

Facts about road conditions in Michigan

According to information from its Department of Transportation, Michigan has enough paved roads to build a one-lane road from Earth to the moon. When broken down, this amounts to more than 120,000 miles of roadways divided into state highways, county roads and city and village streets. Each of these transportation routes sees its share of accidents both minor and serious.

Information from the Michigan State Police shows that vehicle crashes remain quite common in the state, further underscoring the importance of Michigan auto insurance. The following statistics provide insight into the frequency of accidents in 2021:

       Upwards of 282,000 traffic crashes occurred.

       More than 51,000 injury crashes took place.

       More than 71,000 people had injuries from accidents.

       Most accidents happened during the afternoon commute.

As a Michigan driver, you face many road hazards, including rain, snow, ice and fog. Poor drivers also pose a threat on the roads, with issues such as speeding, failing to yield, and reckless and careless driving resulting in collisions. The use of alcohol and drugs also accounted for many accidents in the state.

Minimum insurance requirements for Michigan drivers

When looking for good auto insurance and comparing Michigan auto insurance quotes, it is important to know the minimum requirements established by Michigan. You can check out rates and insurers on VIU by HUB.

Having no-fault auto insurance is required for anyone who owns a car in the state. Mandatory auto insurance in Michigan consists of three coverage parts:

1.      Personal Injury Protection that pays medical and other expenses from an accident.

2.      Property Protection Insurance that pays for property damage.

3.      Residual Liability Insurance or bodily injury and property damage that pays other costs.

Michigan requires minimum policy limits for each of the coverages. These are up to $20,000 for a person hurt or injured in an accident, up to $40,000 for each accident in case multiple injuries occur and up to $10,000 for property damage in another state. You can buy higher levels of coverage, which could protect you from having to pay large out-of-pocket expenses.

Average cost of Michigan auto insurance

Michigan is in the top five most expensive states in the United States to insure a vehicle.

The average annual cost of auto insurance in Michigan is about $2,700 or $225 a month. Overall, Michiganders pay about $680 more per year than other states' drivers for a policy that includes full Comprehensive and Collision Coverage.

Many factors go into the cost of auto insurance in Michigan, including the state's stringent insurance requirements. Comparing Michigan auto insurance quotes on VIU by HUB can help you find an affordable policy.

List of optional coverages for auto insurance

A well-designed auto policy typically includes some optional coverages. These add value to the policy and reduce overall risks, especially if you have an accident. Comparing types of insurance and insurance carriers helps you find the right plan for your needs. It makes sense to consider some or all of the following optional coverages.

Collision Coverage

Collision Coverage kicks in if your vehicle is damaged by hitting another vehicle or object like a tree. It will pay for auto repairs, minus the deductible or, depending on your coverage level, replace your vehicle in the case of total loss. You can choose Broad Collision Coverage or Limited Collision Coverage.

Comprehensive Coverage

Comprehensive Coverage pays for damage to your vehicle from causes other than collision, like flood, vandalism, theft and falling trees. You can explore the cost of this option through our VIU by HUB comparison tool.

Uninsured or Underinsured Motorist

With a high percentage of drivers in Michigan who do not have adequate insurance, Uninsured and Underinsured Motorist coverage protects you in certain situations. These coverages will pay if an uninsured or underinsured motorist seriously injures you or a member of your household. If you are awarded a settlement from the at-fault driver and they have insufficient or no liability coverage, your Uninsured or Underinsured Motorist coverage will apply. If you are not at fault in an accident and the other party does not have enough insurance, this coverage could make up the difference.

Roadside Assistance

For a small increase in your monthly premiums, a policy with roadside assistance pays for towing expenses or assistance in case you get stranded. It can cover situations such as running out of gas and locking yourself out of your vehicle.

Factors affecting the cost of Michigan auto insurance

While you cannot change all factors that determine how much you pay for auto insurance, you do have some control over some factors that affect your premiums. Factors that impact the cost of auto insurance in Michigan include the following:

       The type of car you drive.

       Your driving history.

       The coverages and deductibles you choose.

       Your credit history.

       Your age, gender and marital status.

It always makes sense to look at Michigan auto insurance quotes from a variety of sources. Using VIU by HUB provides an easy way to compare insurance providers and the cost of coverage.

This information is intended for general informational purposes only and is not intended to constitute legal advice.


Michigan Department of Transportation

Michigan State Police


Auto insurance in Michigan by city

Understand risks, minimum state coverage requirements, average costs and other specifics that can impact auto insurance policies and premium rates in your city.