Michigan Auto Insurance Online

Great seal of the state of Michigan
If you're a Michigan resident, OnlineAutoInsurance.com can help you find the coverage you need at a price you can afford by allowing you to compare Michigan auto insurance quotes online from multiple companies. The state of Michigan's official website even suggests that you complete a rate comparison in order to find the cheapest premiums.

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state of MichiganThe Michigan auto insurance laws make it mandatory for every vehicle to have at least a no-fault policy. No-fault coverage includes compensation for unlimited medical and rehabilitation expenses, loss of wages and replacement services for up to three years regardless of who was at fault in an accident. Penalties for not having the minimum required coverage include a misdemeanor and/or fine in the range of $200 to $500, and offenders can even be put in jail for up to a year. Other penalties can also include a license suspension for 30 days or until the motorist can provide proof that his or her vehicle is insured.

Michigan No-Fault Auto Insurance - State Requirements
Personal Injury Protection
Personal injury protection pays for all of the policyholder's bodily medical costs that are the result of an automobile accident.
Personal Protection Insurance
Personal protection insurance pays for any damage to other people's property that the policyholder causes in the state of Michigan. This coverage pays up to $1 million.
Residual Bodily Injury and Property Damage Liability
Residual bodily injury and property damage liability pays for court defense costs and/or damages you are found liable for as a result of an automobile accident up to the policy limits. Minimum coverage required is $20,000 per person, $40,000 total for multiple persons, and $10,000 total for property damage in other states. (This is commonly referred to as 20/40/10.)

Even though the above coverage is a minimum requirement, when comparing MI car insurance shoppers should consider purchasing additional coverage. No-fault policies do not pay to fix the insured vehicle's damages. Motorists should definitely consider buying Michigan auto insurance with additional options such as comprehensive and collision coverage which can be quite inexpensive depending on driving record and vehicle type, among other factors.

Some of the factors that the state allows Michigan car insurance companies to use when determining rates are:
  • Type of Vehicle - Higher-cost vehicles generally generate a higher rate. Rates for two- and four-door vehicles often vary slightly.
  • Driving Record - Of course the more violations and accidents you have, the higher the auto insurance rates.
  • Age/Driving Experience - Younger and newer drivers generate higher rates.
  • Territory - Where a driver lives is often a determining factor. Some cities and regions are considered higher risk due to traffic, theft history, etc.
  • Discounts -
    • Air bags
    • Anti lock brakes
    • Anti theft devices
    • Multi-vehicle
    • Multi-policy
    • Credit score
    • Student away at school
    • Good student
    • Good driver
Comparison shopping can be the key to finding cheap car insurance in MI and individuals should obtain as many quotes as possible before making a purchase to ensure that they are getting the best deal. For more information and tips, take a look at the Consumer's Guide to No-Fault Automobile Insurance in Michigan.

Questions on Finding Cheap Auto Insurance in MI

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  • What Are the Basic Parts of Michigan No-Fault Auto Insurance?

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News about Michigan Car Insurance

  • Mich. Crash Case Raises Questions about Insurance on Scooters

    July 30, 2014 - People in Michigan who use scooters and motorized wheelchairs could be required to get car insurance if courts rule in favor of the insurer in an ongoing case. The court case could have implications for thousands of users of scooters and motorized wheelchairs in the state ...

  • NICB: Several States Saw More Questionable Claims in 2010-12

    December 16, 2013 - Questionable claims (QCs) submitted under personal auto insurance policies increased for California, Colorado, Massachusetts, and Florida between 2010 and 2012, according to the National Insurance Crime Bureau's (NICB) recent breakdown of QCs originating from five specific states. The bureau also reported that Michigan generated ...

  • Michigan Lawmakers Question Scope of No-Fault Report

    October 23, 2013 - Authors of a recent analysis of medical costs for auto insurers in Michigan talked with lawmakers about the "tradeoffs" of policy options during a committee hearing on Wednesday, with some lawmakers criticizing the options offered by the report's authors. The Citizens Research Council (CRC) released a ...

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    March 18, 2013 - Looking for a Michigan auto insurer that will do right by you after you're involved in a serious accident? Well a group of Michigan attorneys called Michigan Auto Law has just published an online guide that may be just the thing you're looking for. The attorney group has put together rankings for major insurers in the state based on...

  • The MCCA: What It Is and How It Affects Your Michigan Insurance Rates

    Jan 31, 2013 - The crux of Michigan's no-fault system is the Michigan Catastrophic Claims Association (MCCA), a state-created nonprofit that helps insurers shoulder the burden of having to cover unlimited, lifetime medical benefits for policyholders who are injured in a crash...

  • Cheap Michigan Car Insurance

    Mar 20, 2012 - Michigan is home to unique no-fault auto insurance laws that require resident vehicle owners to purchase personal injury and property protection, as well as residual bodily injury and...