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Michigan Auto Insurance

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Home of the largest state forest system and one of the fastest race tracks in the nation, Michigan offers plenty to do on both peninsulas. Whether you enjoy fishing in one of the four surrounding Great Lakes or just want to take an extended road trip within the state, you can count on Nationwide to help protect you and your car along the way.

Before you get a quote, make sure to visit our Michigan Auto Coverage page to learn your state’s minimum coverage requirements.

Take advantage of Nationwide’s features

Nationwide makes it easy for you to find dependable auto insurance in Michigan. We can show you options so you can choose the coverage that’s right for your needs, goals and budget. Explore the features below to learn more about what we can offer you:

Resources at Your Fingertips

Make payments, print ID cards, report claims and more, quickly and easily online. We even have a mobile app for on-the-go account access.

On Your Side ® Review

Enjoy a free consultation with an agent who’s here to help you get the protection you need at the price that’s right for you.

SmartRide ® Program

SmartRide rewards safe driving. Get an instant discount when you sign up. The safer you drive, the higher the discount you could earn. 2

Discounts Helping You Save

We offer many ways to help lower your auto insurance rates. See the many ways you can save with qualifying discounts.

On Your Side ® Claims Service

Choose a shop in our network to get a written guarantee on repairs for as long as you own your vehicle. 1

Find local agents in your neighborhood

We have Nationwide agents throughout Michigan. Search for your local agent.

Protect your home and car

Nationwide offers a full range of insurance and financial products in Michigan for your home, car, family and financial security. Simplify your life and save more by bundling your coverage. Check out our other policies for Michigan residents.

Insurance terms, definition and explanations are intended for informational purposes only and do not in any way replace of modify the definitions and information contained in individual insurance contracts, policies or declaration pages, which control coverage determinations. Such terms may vary by State, and exclusions may apply.

[1] Guarantee is limited to alternative parts identified on appraisal and used in repair. Also, work performed at an On Your Side Auto Repair Center includes workmanship guarantee. For informational purposes only. Program terms and conditions are controlling.

[2] Discounts do not apply to all coverage elements; actual savings vary by state, coverage selections, rating factors and policy changes. Enrollment discount applies during data collection; final discount is calculated on driving behavior and could be zero. Final discount applies at the next policy renewal and remains until drivers or vehicles on the policy change.

Online Auto Insurance

Michigan Auto Insurance Online

If you’re a Michigan resident, can help you find the coverage you need at a price you can afford by allowing you to compare Michigan auto insurance quotes online from multiple companies. The state of Michigan’s official website even suggests that you complete a rate comparison in order to find the cheapest premiums.
The Michigan auto insurance laws make it mandatory for every vehicle to have at least a no-fault policy. No-fault coverage includes compensation for unlimited medical and rehabilitation expenses, loss of wages and replacement services for up to three years regardless of who was at fault in an accident. Penalties for not having the minimum required coverage include a misdemeanor and/or fine in the range of $200 to $500, and offenders can even be put in jail for up to a year. Other penalties can also include a license suspension for 30 days or until the motorist can provide proof that his or her vehicle is insured.

Even though the above coverage is a minimum requirement, when comparing MI car insurance shoppers should consider purchasing additional coverage. No-fault policies do not pay to fix the insured vehicle’s damages. Motorists should definitely consider buying Michigan auto insurance with additional options such as comprehensive and collision coverage which can be quite inexpensive depending on driving record and vehicle type, among other factors.

Some of the factors that the state allows Michigan car insurance companies to use when determining rates are:

  • Type of Vehicle – Higher-cost vehicles generally generate a higher rate. Rates for two- and four-door vehicles often vary slightly.
  • Driving Record – Of course the more violations and accidents you have, the higher the auto insurance rates.
  • Age/Driving Experience – Younger and newer drivers generate higher rates.
  • Territory – Where a driver lives is often a determining factor. Some cities and regions are considered higher risk due to traffic, theft history, etc.
  • Discounts –
    • Air bags
    • Anti lock brakes
    • Anti theft devices
    • Multi-vehicle
    • Multi-policy
    • Credit score
    • Student away at school
    • Good student
    • Good driver

Comparison shopping can be the key to finding cheap car insurance in MI and individuals should obtain as many quotes as possible before making a purchase to ensure that they are getting the best deal. For more information and tips, take a look at the Consumer’s Guide to No-Fault Automobile Insurance in Michigan.

Questions on Finding Cheap Auto Insurance in MI

Some motorists in the Great Lakes State may find it difficult to locate an auto insurance company in the competitive market that will provide vehicle coverage to them. Residents who are unable to find a policy provider can look for assistance from the.

Motorists in Michigan are required to purchase no-fault auto insurance that includes personal injury protection (PIP), and property protection (PPI) with residual bodily injury and property damage liability (BI/PD). Michigan does not require drivers to.

All motorists in Michigan are required to buy automobile insurance that includes three basic parts: personal injury protection (PIP), property protection (PPI), and residual liability. If policyholders are injured in an automobile accident, their PIP will.

News about Michigan Car Insurance

July 30, 2014 – People in Michigan who use scooters and motorized wheelchairs could be required to get car insurance if courts rule in favor of the insurer in an ongoing case. The court case could have implications for thousands of users of scooters and motorized wheelchairs in the state .

December 16, 2013 – Questionable claims (QCs) submitted under personal auto insurance policies increased for California, Colorado, Massachusetts, and Florida between 2010 and 2012, according to the National Insurance Crime Bureau’s (NICB) recent breakdown of QCs originating from five specific states. The bureau also reported that Michigan generated .

October 23, 2013 – Authors of a recent analysis of medical costs for auto insurers in Michigan talked with lawmakers about the “tradeoffs” of policy options during a committee hearing on Wednesday, with some lawmakers criticizing the options offered by the report’s authors. The Citizens Research Council (CRC) released a .

Articles Related to Michigan Coverage

March 18, 2013 – Looking for a Michigan auto insurer that will do right by you after you’re involved in a serious accident? Well a group of Michigan attorneys called Michigan Auto Law has just published an online guide that may be just the thing you’re looking for. The attorney group has put together rankings for major insurers in the state based on.

Jan 31, 2013 – The crux of Michigan’s no-fault system is the Michigan Catastrophic Claims Association (MCCA), a state-created nonprofit that helps insurers shoulder the burden of having to cover unlimited, lifetime medical benefits for policyholders who are injured in a crash.

Mar 20, 2012 – Michigan is home to unique no-fault auto insurance laws that require resident vehicle owners to purchase personal injury and property protection, as well as residual bodily injury and.

Best Cheap Car Insurance in Michigan for 2018

Finding cheap car insurance in Michigan can be challenging. The state has the second-highest insurance rates in the nation, on average, according to NerdWallet analysis. Because costs vary depending on the company, however, shopping around can help you avoid the priciest quotes.

To help Michigan drivers save as much as possible, we collected rates from the eight largest insurers in the state and found the three cheapest options for the following driver types:

Also in this article

Cheapest for good drivers

For drivers with no at-fault accidents, DUIs or moving violations.

Even relatively safe drivers in Michigan could face steep prices for auto insurance. Among the three cheapest companies, the average cost was $2,440 per year . Auto-Owners Insurance returned the best deal in our research, $2,292 per year, or about $191 a month.

If you have a clean record, it’s wise to compare safe-driving discounts that companies may offer, such as those for not having claims or moving violations for a significant time period. Perks like these could provide much-needed savings and influence which insurer is cheapest for you.

Cheapest for young drivers

For drivers in their early 20s.

Drivers in their early 20s can often select relatively lean coverage amounts, given that they usually don’t have significant savings or assets to lose in a crash-related lawsuit. We looked at quotes for young drivers carrying the minimum required coverage limits.

The lowest average quote we found was $1,621 per year from Auto-Owners Insurance . This was $671 less than the cheapest deal we found for 30-year-old good drivers who carried higher coverage limits.

Cheapest for drivers with one at-fault crash

Causing a crash almost always triggers a rate increase when you renew your policy, making it a good time to shop around.

Auto-Owners Insurance offered the lowest rate in our analysis at $2,677 per year . Rates spiked by more than $800 for the next-cheapest option, Frankenmuth. The priciest quote we retrieved for this group was over $9,700 per year, proving just how much drivers with blemished records stand to gain by comparing several companies.

Cheapest for drivers with poor credit

For drivers placed in the “poor credit” tier.

Car insurers in Michigan can use your credit-based insurance score as a predictor of future claims. If you have poor credit, you could face higher car insurance rates in Michigan than most other motorists, even those who’ve caused a collision.

For instance, the cheapest deal we found for this group was $3,689 from Auto-Owners Insurance. This was $1,397 more than the most affordable rate for good drivers with no credit issues and $1,012 more than the lowest quote for drivers with one at-fault crash.

Cheapest for retired drivers

For drivers in their mid- to late 60s who no longer use their car for commuting.

Retirees generally spend less time behind the wheel than other drivers and should be able to find relatively cheap car insurance in Michigan.

We looked at rates for drivers in their 60s who travel half as many miles annually as other groups. Progressive had the best deal in our analysis, at $2,258 per year, followed by Frankenmuth and Auto-Owners.

Minimum car insurance requirements in Michigan

Michigan residents must carry liability insurance, personal property protection (known as PPI) and personal injury protection.

PPI pays to fix damage you cause to others’ property, such as a fence or garage, while driving, or damage you cause to others’ parked cars. PIP primarily covers injuries that you and your passengers suffer in a crash, no matter who caused the incident.

PIP doesn’t have any minimum limit to choose; the coverage is unlimited in Michigan if needed. However, you must select at least the following amounts of liability insurance and personal property protection:

  • $20,000 bodily injury liability per person.
  • $40,000 bodily injury liability per incident.
  • $10,000 property damage liability per incident.
  • $1 million PPI.

Experts recommend buying more than the bare minimum liability insurance to avoid having to pay out of pocket for damage that exceeds your policy’s limits.

Check out NerdWallet’s guide to car insurance requirements by state to learn more about how the required and optional coverages of your Michigan auto policy work.

Alternative car insurance in Michigan

Drivers who are denied car insurance on the open market because of poor credit, DUIs or other factors may apply for coverage through the Michigan Automobile Insurance Placement Facility

NerdWallet can also help drivers find cheap car insurance in Michigan. Try our car insurance comparison tool to view rates from leading companies in the Wolverine State.

Here’s a summary of where you’ll find the cheapest insurance, by category:

Cheap Michigan Car Insurance

Compare the best rates from 17 car insurance companies in Michigan.

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Here’s what you need to know when driving in Michigan

Across the Great Lakes State, there are 255,924 miles of road just waiting to be driven. We’ll get you prepped, then you take the wheel.

Cheap Car Insurance

It’s expensive to get car insurance in Michigan!

Dang! Michigan is definitely not one of the cheapest states for car insurance. Don’t worry, we got your back!

At The Zebra we’re all about helping you save money on car insurance. Our engine looks for the cheapest insurance provider to find the best fit for you and your vehicle. Since Michigan might have cheaper premiums that makes our job a breeze! It’s easy to get started—we just need some basic information to begin finding the best auto discounts for you.

What’s the cheapest car insurance in Michigan?

Cheap Insurance for Good Drivers in Michigan

Drivers with good driving records typically enjoy lower car insurance costs than drivers with histories of speeding tickets, at-fault accidents, or DUI citations. Michigan drivers without a recent at-fault accident typically save 32% on their car insurance premiums, which matches the US average. In addition to earning a cheaper premium for driving incident-free, you may qualify for a safe-driving bonus through your car insurance company. The amount of these discounts may vary, but they typically run between 5 and 10%.

Cheap Insurance for Young Drivers in Michigan

Young drivers — aged between 16 and 25 — pay very high car insurance rates, with those aged 16-19 paying the most expensive premiums of all. Because of the risk presented by inexperienced drivers, teen drivers pay more than three times the national average for car insurance. Michigan is an extraordinarly expensive state in which to insure a teen driver: the average teen will pay $8,398 per year in Michigan, compared to just $4,900 annually across the nation.

Cheap Car Insurance for Bad Drivers in Michigan

If you have no at-fault accidents, speeding tickets, or DUIs, you can save money on car insurance. As insurance companies use your driving record as a way to predict the level of risk you present, keeping your driving record clean will lead to lower premiums. It’s especially important to avoid at-fault accidents, speeding tickets and DUI citations in Michigan, one of the states in which insurance companies penalize bad driving most severely. In fact, a single speeding ticket could raise your car insurance rates by 38% in Michigan — and a DUI could raise your premiums by a whopping 64%.

Car Insurance Laws

State minimum insurance requirements in Michigan

In Michigan, the state minimum coverage requirements are as follows:
  • Bodily Injury $20,000 per person
  • Bodily Injury $40,000 per accident
  • Property Damage $10,000 per accident
Personal Injury Protection
Property Protection Insurance
  • $1,000,000 per accident
Optional coverage in Michigan (varies by carrier):
  • Comprehensive
  • Collision
  • Limited Property Damage
  • Loan/Lease Payoff
  • Rental Car Reimbursement
  • Roadside Assistance
  • Uninsured/Underinsured Motorist Bodily Injury

With Michigan being a “no-fault” state, the liability coverage required on your policy mainly serves to provide coverage if you are involved in an accident out of state when you are considered to be “at-fault”, and inside the state line in extreme cases like causing death or permanent disability or disfigurement. It is important to note that property damage liability does not cover damage caused within the state of Michigan. The coverage limits are determined by each individual state and normally split into three categories. In Michigan, the minimum is listed as 20/40/10 and explained below:

$20,000 bodily injury coverage per person. This is the maximum dollar amount that pays for a single person that you injure in an auto accident.

$40,000 bodily injury coverage per accident. This is the maximum dollar amount that pays for all injuries that you cause in an accident if more than one person is hurt.

$10,000 property damage coverage for accidents caused outside of Michigan. This is the maximum dollar amount that pays for damage that you cause in an accident that occurs outside of the state of Michigan.

Personal Injury Protection (PIP) coverage can be coordinated with your health insurance to decrease the cost of your auto insurance premium or can provide primary medical coverage for injuries resulting from an auto accident if you happen to not have health insurance. The PIP selection will depend on the details of your health coverage so read the fine print on your medical policy carefully to determine the proper selection on your auto policy. Because Michigan is a “no-fault” state and PIP coverage does not have a dollar-specific cap, a driver’s right to sue is restricted to extreme situations involving death or permanent disfigurement or disability resulting from an auto accident.

Property Protection Insurance provides coverage up to $1,000,000 for damage that you may cause to fixed objects during an accident, such as:

Road Construction Equipment

Fences and Barriers

This does not provide coverage for damage to other vehicles unless they are parked.

Michigan is a no fault state!

What does this mean for you?

Put simply, a no-fault insurance laws system requires that drivers carry their own protection. When an accident happens, no matter who is at fault, your own insurance foots the bill. Each driver takes care of his or herself, and theoretically, the chances of someone suing or raising a hissy fit over culpability are lessened. And bonus? It guarantees every driver immediate medical treatment in the event of an accident.

Cheap Michigan Car Insurance Companies

The Zebra compares over 200 companies & 1,800 products, so you can save way more than 15% and find the cheapest car insurance in Michigan.

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