Michigan Auto Insurance

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From Lansing to Detroit and Grand Rapids to Flint, getting cheap auto insurance in Michigan shouldn’t be difficult. With Clovered, we’ve made it a breeze to get a sufficient policy that meets state minimum requirements. Whether you’re looking to up your limits or get a low-income policy, we’re here to help.

Michigan Auto Insurance Requirements

Drivers who have registered their vehicle and license in Michigan must abide by the following state minimum coverage amounts. Failure to do so can result in fines, a suspended license and even jail time.

  • Bodily Injury: $20,000 per person, $40,000 per accident
  • Property Damage: $10,000 per accident
  • Uninsured Motorist: $20,000 per person, $40,000 per accident

What Does Michigan Auto Insurance Cover?

Property Damage Liability

This coverage helps pay to repair the damage you directly cause to another person’s vehicle or their property if you’re at fault. It’s required by law in most states.

Collision Coverage

This coverage helps pay to repair damage to your vehicle if you’re at fault in an accident that involves another vehicle or piece of property. It’s required if you’re financing or leasing your vehicle.

Comprehensive Coverage

This coverage helps pay to repair or replace your vehicle if it was stolen or damaged by something other than a collision, like a hailstorm, tree, fire or vandalism.

Bodily Injury Liability

If you’re at fault in an accident that injures a passenger of another car or pedestrian, this coverage will help to pay their medical bills, legal fees and loss of income.

Personal Injury Protection

Whether you’re at fault or not in an accident, personal injury protection (PIP) is a no-fault coverage that helps to pay for you and your passenger’s medical bills. Some states make this coverage mandatory.

Medical Payments

This is similar to PIP coverage in that it may help to pay for the medical bills of you and your passenger if you’re involved in an accident, whether you’re at fault or not. It’s different because MedPay is always optional.

Gap Coverage

If your vehicle is totaled in an accident, guaranteed asset protection (GAP) coverage helps to pay the difference between your vehicle’s current worth and what you still owe on your auto loan.

Towing & Labor

An optional coverage, towing and labor may be added to your auto insurance policy to get you out of binds. This pays for a tow truck to pick up your vehicle and take it to the nearest repair shop.

Rental Car

You may add rental car coverage that pays for a rental car while your vehicle is in the shop. But nearly every auto policy also covers the vehicle and passengers when you’re driving a rental car.

Uninsured Motorist

This coverage is within your own auto policy and helps to pay for repairs to your vehicle or for your medical bills if a driver who’s at fault doesn’t have auto insurance.

Underinsured Motorist

This coverage is also within your own auto policy, helping to supplement the remaining expenses to repair your vehicle and pay your medical bills if the other driver doesn’t have sufficient coverage.

How to Compare Auto Insurance Quotes From the Best Companies in Michigan

To compare the best auto insurance quotes in Michigan, all you need to do is call one of many licensed agents at Clovered for a fast, free quote from many of the auto insurance companies in Michigan.

Auto insurance in Michigan is nearly twice the national average and one of the most expensive states in the U.S. That’s why it’s so important to get multiple quotes.

How to Get Cheap Auto Insurance in Michigan

Since auto insurance is twice the national average in Michigan, getting a cheap policy is a lot tougher than you may imagine. Luckily, at Clovered, we’ve partnered with some of the best auto insurance companies in Michigan to get you the best prices. Simply call our team of licensed agents at 833-255-4117.

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The editorial content on Clovered’s website is meant to be informational material and should not be considered legal advice.