Michigan Car Insurance
Whether you’re commuting into Detroit for work, taking the family camping in the U.P. or putting the top down for a ride to Kalamazoo, the Farmers FlexSM Personal Auto policy offers coverage options designed for how you drive today. You can choose the insurance you want. New discounts can help you save even more.
What is the average cost of car insurance in Michigan?
Michigan drivers paid an average of $1,620 a year for full coverage (liability, collision and comprehensive) in 2019, according to the most recent data available from the National Association of Insurance Commissioners (NAIC). Keep in mind that insurance premiums in most states have changed since then. Michigan also made substantial changes to its insurance laws in 2020. Your cost will also depend on how much coverage you choose, as well as your driving history and the car you drive.
What auto insurance is mandatory in Michigan?
As a no-fault state, Michigan requires a car insurance policy with personal injury protection coverage and minimum levels of bodily injury and personal property liability coverage plus property damage liability coverage. However, minimum coverage may not be the full extent of coverage you want.
As of November 2022, these are the requirements:
COVERAGE TYPE
MICHIGAN MINIMUM REQUIREMENTS
Bodily injury liability
$20,000 per person; $40,000 per accident
Property damage liability
$10,000 per accident
Personal injury protection
Options vary
Property damage protection
$1 million per accident
COVERAGE TYPE
Bodily injury liability
MICHIGAN MINIMUM REQUIREMENTS
$20,000 per person; $40,000 per accident
COVERAGE TYPE
Property damage liability
MICHIGAN MINIMUM REQUIREMENTS
$10,000 per accident
COVERAGE TYPE
Personal injury protection
MICHIGAN MINIMUM REQUIREMENTS
Options vary
COVERAGE TYPE
Property damage protection
MICHIGAN MINIMUM REQUIREMENTS
$1 million per accident
What does car insurance typically cover in Michigan?
A typical car insurance policy in Michigan includes coverage for personal injury protection, bodily injury and property damage liability, as well as optional collision and comprehensive coverage in case of covered damage or theft.
Farmers® also offers optional Rental or Rental Alternative coverage (for when your car is in the shop), Vehicle Replacement Plus (if your newer car is totaled), Enhanced Roadside and Ride Assistance and other coverages. Read more about coverage options in Michigan with a Farmers Flex Personal Auto policy.
Why could my car insurance premium increase even if I’ve had no accidents?
Inflation, rising medical costs, crime and other factors outside of your control come into play when insurers set car insurance rates. That’s why premiums can go up even if you haven’t had an accident.
Michigan car insurance discounts
Farmers offers a variety of discounts for drivers in Michigan. For example:
- Welcome Discount
- Loyalty Discount
- Five-Year Accident-Free Discount
- Multi-Policy Discount
- Signal®, which can reward you with an initial discount when you use our Signal app
See more information about additional discounts that may be available in Michigan.
Sleeping Bear Dunes
Black bears still roam the massive sand dunes and grass and forest lands that form Sleeping Bear Dunes National Lakeshore alongside Lake Michigan. — National Park Service
More coverage options in Michigan
Michigan home insurance
Your home is an investment, and you want to protect it like that. Learn more about our Home insurance offerings to help you build the policy that works best for your life style.
Learn From Experience
Still have questions about cars and car insurance in Michigan? We have answers.
Why Did My Car Insurance Premium Go Up When Nothing Else Has Changed?
To understand rate increases, it’s important to know that premium calculations are based on your risk and the projected cost it would take to repair or replace your car.
What These Auto Pros Know About Adding Years to a Car’s Life — and You Should, Too
Why do some cars stay safe and reliable for years longer than others? These car pros say it’s more about the owner’s habits than good engineering.
What Is Uninsured Motorist Coverage?
Most states require drivers to buy liability insurance to cover damage and injuries they cause. Some drivers choose not to buy it, or they might forget to renew it in time. So it’s a good idea to consider adding uninsured motorist coverage to your policy.
