Michigan drivers face some of the highest car insurance rates in the country, both for minimum coverage and full coverage. On average, Michigan drivers pay $1,360 per year or $113 per month for minimum coverage and $3,643 a year or $304 a month for full coverage. These rates are significantly higher than the national average, with Michigan car insurance rates being as much as 81% to 117% higher.
One unique aspect of car insurance in Michigan is that insurance companies cannot use factors such as location, gender, marital status, or credit score to set premiums. This means that all drivers in Michigan have the opportunity to find affordable rates regardless of these factors.
When it comes to minimum car insurance requirements in Michigan, drivers are required to have personal injury protection (PIP), property protection insurance (PPI), and bodily injury and property damage liability insurance (BI/PD). These coverages ensure that drivers are protected in the event of an accident, regardless of fault.
For drivers looking to save on car insurance in Michigan, there are several strategies they can employ. This includes checking for discounts, bundling policies, comparing quotes from multiple providers, adjusting coverage limits, and increasing deductibles. By taking these steps, drivers can potentially lower their insurance costs.
When it comes to finding the best car insurance provider in Michigan, our team recommends starting with Progressive and USAA. Progressive offers competitive rates for high-risk drivers, while USAA is a great option for military members. By comparing quotes and exploring different options, Michigan drivers can find the best coverage for their needs at an affordable price.
Overall, while car insurance rates in Michigan may be high, there are ways for drivers to save money and find the best coverage for their specific situation. By understanding the factors that affect insurance costs and exploring different providers, Michigan drivers can make informed decisions about their car insurance coverage.