Minimum Required Car Insurance In Michigan

By law, all drivers in Michigan must have insurance on their vehicles. You might be looking at cheap car insurance options if you don’t drive that often, or can’t afford a lot of car insurance. The minimum requirement for car insurance in Michigan is:

• $20,000 bodily injury liability per person
• $40,000 bodily injury liability per accident
• $10,000 property damage liability per accident outside Michigan
• $1 million property protection within Michigan
• Unlimited personal injury protection 

Michigan Changes Effective July 2, 2020

Michigan is a no-fault state. This means that regardless of who causes an accident, each driver’s own personal injury protection (also referred to as PIP) coverage handles their own damages. 

As of July 2, 2020, drivers may opt out of the unlimited PIP coverage for the minimum coverage of:

• Up to $500,000 personal injury protection coverage or,
• $50,000 personal injury protection coverage for drivers on Medicaid  

This means that drivers can now choose PIP coverage between $50,000 to $500,000, saving drivers money on the PIP portion of their insurance premium.

Michigan As a No-Fault State

Although you might want to opt-out of your personal protection coverage when the state allows it, you may want to think twice. Remember that this coverage will handle all your personal injury losses in an accident. This includes:

• Medical bills
• Prescription drugs
• Physical and mental therapy 
• Specialists visits
• Wages lost

If you were to get into an accident and became unable to work, your PIP coverage will need to cover all the above losses. Opting out of coverage, or going for the cheapest coverage, puts drivers at risk of potentially losing everything if you’re seriously injured. 

What Your Insurance Should Cover

Drivers should remember that even though Michigan only requires a certain amount of minimum coverage, that coverage may not be enough. If you cause an accident that injures multiple people, you could face up to millions of dollars worth of damages.  

In Michigan, the state minimum coverage does not cover:

• Uninsured or underinsured motorist coverage
• Uninsured motorist property damage
• Additional medical coverage
• Comprehensive coverage
• Collision coverage
• Rental car reimbursement
• Roadside assistance

If you don’t drive that often, you may want to go for the lowest possible coverage. Insurance providers can offer the same comprehensive coverage for leisure vehicles like this. Rather than going for the minimum coverage, ask your insurance provider if they have leisure vehicle discounts. 

Cheap Car Insurance in Michigan

On average, a middle-aged Michigan driver with no violations pays annual premiums of around $2,330 for full coverage and $1,285 for minimum coverage. This average can change depending on:

• Your age and sex
• Marital status
• Where you live
• Your credit
• Your driving history
• The kind of vehicle you want to insure

So even if you have great credit and a clean driving record, you could still end up paying more in insurance if you have a certain type of car. Be sure to check your driving record before you get a quote. You may have a ticket or other roadside violation you may not know about.

If you’re looking to save money on car insurance, there are a few things you should do before you opt for the cheapest quote you can find. Drivers shouldn’t have to compromise coverage for price, there are lots of ways to save money on car insurance. Before purchase cheap car insurance, be sure to:

• Get multiple quotes before you buy
• Check out the price of insurance before you buy a car
• See if you can bundle your insurance
• Ask your provider what discounts they offer
• Raise your deductible 
• Change your payment options on your insurance
• Be a safe driver

Even avoiding something as small as a speeding ticket can save you big on car insurance. Ask your insurance provider or call Quote Purple to see what kind of discounts you can get when you sign up for auto insurance. 

If you do have a violation, or something on your personal driving profile that will increase your insurance, be sure to look at what different providers specialize in. For instance, there are certain insurance providers that specialize in young drivers, and offer discounts and programs that could benefit them such as accident forgiveness.

Cheapest Car Insurance Companies in Michigan

Here is a list of the cheapest car insurance in Michigan for a middle-aged driver with a clean history and good credit. With the minimum state requirements, here are the cheapest estimates  in Michigan.  

MetLife	$1,160
Hastings Mutual	$1,395
Chubb	$1,735
Pioneer State Mutual	$1,995
MEEMIC	$2,030

Want to get a more accurate quote? Quote Purple works with some of the best insurance providers, and can offer you free competitive quotes and estimates. To get a quote today, call Quote Purple, or get a quote emailed to you.