Car insurance in Michigan, like gas or rent, is expensive yet necessary. It doesn't just protect your car from dents; it protects you and other drivers from both bodily harm and financial ruin. For that reason, Michigan car insurance coverage isn't just something that drivers in the "Wolverine State" should have; it's something they
have.
Michigan auto insurance coverage doesn’t have to break the bank. You may be able to save by shopping around, declining unnecessary coverage and trading high deductibles for lower premiums. Indeed, you can cut costs, but you can't cut corners. If you drive in Michigan, you need auto insurance in Michigan. Here's what kind and how much, according to Michigan state law:
The best contacts and resources to help you get it done
Browse Michigan auto insurance rates online
If you need Michigan auto insurance, online quotes are a good starting point. Available from all major auto insurance companies in Michigan, they offer a fast and convenient way to research and compare premiums.
I recommend: Get comprehensive online quotes from Michigan car insurance providers at websites like
InsWeb,
Insurance.com,
InsuranceUSA and
InsuranceFinder, or from companies like
Progressive and
Esurance, which quote both their own and competitors' rates.
Solicit Michigan car insurance quotes from national providers
Most major car insurance carriers offer auto insurance in Michigan and all provide competitive Michigan auto insurance rates.
I recommend: Among the largest and most popular car insurance companies in Michigan are
AIG,
Allstate,
Chubb,
Farmers,
GEICO,
The Hartford,
Liberty Mutual and
State Farm. National associations like
AAA and
AARP are also good sources for affordable auto insurance in Michigan.
Get car insurance in Michigan from local and regional companies
In Michigan, auto insurance rates can vary dramatically; for some of the most affordable, consider locally based providers.
I recommend: For automotive insurance in Michigan, try Michigan-based companies like
Michigan Insurance Company,
Fremont Insurance and
Wolverine Mutual Insurance Company. Also consider local programs like the
Michigan Automobile Insurance Placement Facility (MAIPF), which exists for drivers who can't easily find auto insurance in Michigan.
Use an independent agent to find Michigan car insurance bargains
Buying car insurance in Michigan via an independent insurance agent can expose you to new resources, practical advice and special rates.
I recommend: To find an independent agent who can sell you car insurance in Michigan, search the member directory at the
Michigan Association of Insurance Agents.
Choose Michigan auto insurance companies that you can trust
Before doing business with Michigan car insurance providers, review their records with consumers to make sure they are reliable, reputable and responsible.
I recommend: If you subscribe to
Consumer Reports, you can check up on car insurance companies in Michigan. Another good resource is the
Michigan Office of Financial and Insurance Services, which licenses
auto insurance companies in Michigan and compiles statistics about
complaints against them.
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