MI Auto Insurance Q&A

What are the minimum levels of mandatory auto insurance coverage in Michigan?

You are obliged to purchase the following levels of MI auto insurance coverage to meet the minimum requirements set in the state of Michigan:

  • $20,000 worth of bodily injury liability per person
  • $40,000 worth of bodily injury liability per accident
  • $10,000 worth of property damage liability
  • Personal injury protection

How much will I pay for a basic policy?

This will depend on many factors but driving history, estimated annual mileage, age and choice of vehicle will all be influential. MI auto insurance underwriters use all of these key components to establish the level of risk you present and set their premiums accordingly.

How does my vehicle affect my MI auto insurance rates?

Auto insurance companies will penalize a driver with a high-performance vehicle with engine and body modifications so stick to an older vehicle with a low market value. Older vehicles are cheaper to repair because patterned parts can be used and you won’t need to purchase additional MI auto insurance such as comprehensive and collision damage coverage.

Where can I find cheap MI auto insurance quotes?

We always recommend that you obtain multiple policies from our designated website.  Price comparison websites give you an opportunity to compare individual policies on a like-for-like basis so an informed decision can be made. This will help you to find the best balance of coverage and value-for-money. Remember that we never ask you to make a purchase, no matter how many MI auto insurance quotes you apply for.