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MICHIGAN AUTO INSURANCE

Michigan Auto Insurance

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 Liability

☘ $20,000 per person, $40,000 per accident

Property Damage Liability

☘ $10,000 per accident

Uninsured Motorist Bodily Injury

☘ $20,000 per person, $40,000 per accident

Personal Injury Protection

☘ $500 Deductible

What Does Michigan Auto Insurance Cover?

Property Damage Liability

☘ This coverage helps pay to repair 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, vandalism, crashing tree or fire.

Bodily Injury Liability

☘ If you’re at fault in an accident that injures a passenger of the other car, or pedestrian if another vehicle wasn’t involved, 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 you and your passengers’ medical bills 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

☘ 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.

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.