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Michigan Car Insurance

Michigan is uniquely positioned with its upper and lower peninsulas, providing diverse landscapes to explore and traverse. Given the vastness and the variety of routes available, Amica has a broad range of car insurance coverages to help protect you wherever your journey takes you.

Amica offers customized car insurance quotes that allow you to tailor your coverage with comprehensive protection backed by personalized service. Don’t settle for a one-size-fits-all approach when it comes to protecting yourself and your family on the road. Instead, take the time to get a customized quote that meets your unique coverage needs.

Michigan’s auto insurance requirements

In Michigan, drivers are required to carry the following minimum liability coverage limits for auto insurance:

  • Bodily Injury Liability Coverage:
    • $50,000 per person
    • $100,000 per accident
  • Property Damage Liability Coverage:
    • $10,000 per accident

Bodily injury liability coverage: This coverage protects you financially from claims of bodily injury that you’re responsible for causing to someone else in an auto accident. This can include things such as medical expenses, pain and suffering, and lost wages. Your policy may also pay legal defense costs to defend you if you’re sued. Coverage is subject to limitations and exclusions. 

Property damage liability coverage: This coverage is for damage to someone else's property that you’re responsible for causing in an auto accident. It can apply to the damage of the other person’s vehicle as well as to other damaged property, such as fences or other structures. Your policy may also pay legal defense costs to defend you if you’re sued. Coverage is subject to limitations and exclusions. 

It’s important to understand that these are just the minimum requirements, and Michigan drivers may choose higher coverage limits for added protection.

Additional coverage considerations in Michigan

Opting for additional auto insurance coverage beyond state-mandated minimums can provide invaluable protection in various scenarios. It’s not only a wise choice for safeguarding your finances and assets, but may be required coverage if you lease or finance your car. Here are some additional coverages you might consider:

  • Comprehensive (other than collision): Provides coverage for damage to your vehicle caused by things other than a collision. Includes damage from falling trees or rocks kicked up by other cars.
  • Collision coverage: No-fault coverage that helps pay for repairs to your car if it’s damaged in a collision with another vehicle or object. 
  • Personal injury protection (PIP): This no-fault coverage can help pay for medical expenses and lost wages if you or your passengers are injured in an accident. This includes necessary medical bills, lost wages, funeral expenses, survivor’s loss and loss of services. 
  • Rental reimbursement: Coverage for transportation costs if your vehicle needs repairs after an accident. It covers rental cars, ridesharing or public transportation like trains, taxis and buses.
  • Auto loan/lease coverage: Covers the difference between what you owe on your loan or lease and the current value of your vehicle if it’s totaled in a covered accident. 
  • Roadside assistance: 24/7 roadside assistance for issues you may encounter on the road like changing flat tires, jumping dead batteries, towing your car, unlocking car doors and getting your car unstuck from the snow. 
  • Repairing or replacing auto glass: Coverage for repair or replacement of your windshield, windows and other auto glass, without a deductible.

Understanding rate factors for Michigan auto insurance

There are several factors that impact auto insurance in Michigan, including individual circumstances, location, weather patterns and more. Here are some key points to consider:

  • Driving history: Driving records play a considerable role in determining your car insurance rates in Michigan. Drivers with a history of accidents or traffic violations may pay higher rates than those with clean records. 
  • Coverage options and limits: Choosing the minimum state-required coverage is typically more affordable, while adding optional coverages with higher limits will result in higher premiums.
  • Vehicle type: The car’s safety ratings, repair costs and likelihood of theft are all considered when determining your Michigan car insurance rates.
  • Claims in Michigan: Higher rates of accidents, thefts or other incidents may lead to higher premiums for all drivers in the area.

It’s important to know that auto rates change over time for a number of reasons. Some of those reasons, like your driving record and claim history, are within your control, while others, like industry repair rates and claim frequency in your area, are not. If your auto rates increase, you may be able to mitigate the increase by adjusting your coverages or deductible, or qualifying for policy discounts.

Save more with Michigan car insurance discounts

Amica offers various auto insurance discounts to help policyholders save money on their premiums.1 Here are some discounts that you may be eligible for:

  • Discounts for family
    • Good student: Policies with full-time high school or college students, ages 16-25, with a “B” average or higher are eligible for our Good Student Discount.
  • Discounts for how you drive
    • Accident-free: Get an auto insurance discount when you’ve been claim-free for the past three years.
  • Discounts for your car’s systems
    • Forward-collision warning: We’ll reward you for keeping your car safe with forward-collision warning.
    • Adaptive headlights: If your car is equipped with adaptive headlights, you may be eligible for a discount.
  • Discounts for how you pay
    • AutoPay: Simplify your payment experience with AutoPay to earn even more savings.
    • Paperless: Get a discount when you sign up to receive policy documents and bills electronically.
    • Paid in full: Save money when you pay the entire balance of your Michigan policy premium up front.

If you’re a Michigan driver in need of both auto and home insurance coverage, it’s worth exploring options for bundling policies to maximize your savings. When you bundle auto and home insurance with Amica, policyholders can save up to 10% with a multiline discount.1

Facts and figures about Michigan

Fun facts about Michigan:

  • Michigan is recognized as the birthplace of the automotive industry in the U.S., housing the headquarters of the "Big Three" automakers: Ford, General Motors and Chrysler.2
  • The first air-conditioned car was introduced in 1939 by the Detroit-based Packard Motor Company.3
  • The Mackinac Bridge, spanning nearly five miles, is one of the longest suspension bridges in the world. It connects Michigan’s Upper and Lower peninsulas.3

Facts about driving in Michigan:

  • New Michigan residents are required to schedule an appointment at the Secretary of State office to update their vehicle registrations and obtain a Michigan license.4
  • Michigan's graduated driver's license program for teens under 18 includes three levels: Learner’s Permit (Level 1), Intermediate (Level 2) and Full License (Level 3).4
  • In Michigan, state and local maintenance vehicles are equipped with flashing green lights. Green was selected because it is visible from a distance, allowing drivers to see maintenance vehicles in low-visibility conditions.4

How to get car insurance in Michigan

We’re here to guide you through the process of personalizing your car insurance in Michigan. Here’s how to secure your policy in three easy steps:

  1. Assess your coverage needs: 

    An Amica representative can provide guidance and help you navigate your options to find the right coverage for your needs.

  2. Discover potential discounts:

    A representative can also assist you in exploring potential discounts or cost-saving measures available to Michigan drivers based on your unique circumstances.

  3. Get a quote:

    Amica offers convenient options for getting a quote. You can either get a car insurance quote online or call 800-242-6422 today to speak with a representative.

With Amica, Michigan drivers can hit the road with confidence, knowing they’re prepared for any situation that may arise.

Get an auto insurance quote

or call 833-513-3881

1 Discounts not available in all states and may vary.
2 The History of Michigan’s Big Three Automakers
3 60 Incredible Facts About Michigan
4 What Every Driver Must Know
 

 

Your Policy, Policy Declarations or Amended Declarations in effect on the date of loss is the primary source of reference for your coverage, coverage limits and deductible amounts.

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