Michigan Car Insurance

Car Insurance in Michigan

In the state of Michigan you can satisfy the states requirements of financial responsibility one way by securing an auto insurance policy through a state licensed insurance company. Below are the corresponding tabs with the minimum requirements to satisfy your financial responsibility to drive. The Penalties tab covers the consequences for not carrying insurance or driving without proof of insurance. Review these tabs and our supplemental insurance pages on purchasing, car insurance discounts, and claims to make sure you are 100 % prepared to take responsibility for driving on the roads. The best insurance of course is to take your Michigan online drivers ed course and learn to be a safe driver with igottadrive.com.

Purchasing auto insurance to meet your financial responsibilities in the state of Michigan requires all drivers to carry the following minimum amounts of insurance. These minimums will get you on the road however you should consult your insurance agent to make sure you are properly covered for potential incidents that you may encounter. Even as a new or returning driver discounts are available to help you better protect you and your vehicle.

Minimum requirements:

$20,000 bodily injury liability coverage per person
$40,000 bodily injury liability coverage per incident
$10,000 property damage liability coverage for accidents you cause outside of Michigan
$1,000,000 property protection insurance for damage in Michigan
Personal injury protection (no limit)

Accepted proof of insurance:

Keep your Michigan no-fault insurance certificate in your vehicle or carry it with you when you drive

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For more information about insurance in the state of Michigan you can contact the Michigan Department of Insurance and Financial Services at 877-999-6442 or visit the Michigan Department of Insurance and Financial Services web site.

The state of Michigan takes driving with out being properly covered or not having the financial wherewithal to cover an auto accident very seriously. The following  list of penalties are in place to keep people from taking the risk of driving with out coverage. These penalties are to be taken seriously and are here to help protect  you and your automobile in the event you are in an accident.

State Penalties:

If you cannot show proof of insurance to a law enforcement officer, the court may order the Secretary of State to suspend your driver license. Until proof of insurance is shown, the Secretary of State will not renew, transfer, or replace your vehicle’s license plate. You may be required to prove the vehicle is insured for not less than six months and pay $50, plus any other fees required by law. The plate could also be canceled if proof of insurance is not produced.

Don't be that guy. Get auto insurance and know your covered? use the quote finder in the upper right corner to get started.

For more information about insurance in the state of Michigan you can contact the Michigan Department of Insurance and Financial Services at 877-999-6442 or visit the Michigan Department of Insurance and Financial Services web site.