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Best Cheap Auto Insurance in Michigan

All motorists in the state of Michigan are required to purchase at least the legal minimum amounts of automobile insurance coverage required by the state. These minimum coverages for Michigan's liability (aka "no-fault insurance") are as follows:

  • Bodily injury of one person: $20,000.
  • Bodily injury for all injuries in the same accident: $40,000.
  • Property damage liability: $10,000.

As proof of coverage, motorists must keep their insurance card either with them when they drive or in their cars. Any Michigan drivers who are pulled over and fails to produce a current insurance card will have their license suspended, and a fee of $50 may be charged at the judge's discretion. In some cases, a motorist may have to show proof of at least six months of prepaid insurance coverage before his or her license will be reinstated.

Because drivers are required to carry auto insurance in Michigan, if you live in that state, it’s a good idea to shop around and compare car insurance rates to make sure you have the cheapest car insurance in Michigan that meets your auto insurance coverage needs. Auto Insurance Center is a great place to get multiple car insurance quotes in Michigan for many different levels of coverage.

Cheapest Auto Insurance Quotes in Michigan

Michigan Auto Insurance Fraud

The cost of insurance fraud in the state of Michigan amounts to millions of dollars every year. Some of Michigan's auto insurance fraud is overt and obvious. This would include crimes such as staged accidents and hidden cars that are reported as stolen in order to collect on the insurance. Other types of insurance fraud are more subtle.

For example, auto insurance consumers may register and insure a car at the address of a friend or relative whose zip code yields lower auto insurance rates. This may not seem like car insurance fraud to some people, but what they fail to realize is that the cost of car insurance fraud is passed down to the consumer in higher car insurance rates, making it harder for anyone to find affordable car insurance in Michigan. Car insurance fraud is not a victimless crime, so once you’ve found the best car insurance in Michigan, use it responsibly.

Michigan's Alcohol-Related Accidents

Michigan has higher than normal fatality crash rates, with 800 to 1,000 people dying in automobile accidents each year. Roughly 250 to 300 of these car accident deaths are related to drivers who are driving a car under the influence of alcohol, and this amounts to 28 through 30 percent of Michigan's auto accident fatalities being alcohol related.

Approximately 450 of Michigan's auto fatalities each year are the result of at least one driver with a blood alcohol content (BAC) level of 0.08 percent or higher. Around 100 of Michigan's auto fatalities each year are the result of a driver with a BAC of 0.01 percent and 0.07 percent. This illustrates that alcohol-related fatalities from a car accident can happen before a driver has hit the BAC limit of 0.08.

Unique Michigan Laws

It is illegal for Detroit, Michigan, residents to let a pig run free unless it has a nose ring. It is also illegal for a husband to scowl at his wife on a Sunday, to sell cars on a Sunday or for a woman to cut her hair without her husband's permission. It appears that some of Michigan's laws need to be revised or removed in light of the 21st century.

Driving in Michigan

Michigan is a state where fall leaves reach their red, gold, orange and brown splendor in autumn. Did you know that Michigan's "Color Tours" are a big state attraction each autumn season? Drivers can take their car along one of 26 different fall foliage driving tours through old historic roadways throughout the state.

Auto Insurance Center Methodology

Auto insurance quotes are for a hypothetical driver who has state minimum coverage with $500 deductibles for one vehicle. The driver is male or female, 35 years old, has good credit, a college degree, and is employed with a clean driving record, no lapse in coverage, or claims. The vehicles are driven 16,000 miles per year for commuting and are garaged on premises. The auto quotes include common discounts and are estimates, but not guaranteed.