Yes, GEICO covers Michigan with auto insurance policies tailored to the state’s requirements. However, it can be more complicated to get a GEICO insurance quote in Michigan than in other states. There are no GEICO agents in the state, and GEICO will not provide quotes online or by phone to Michigan residents. Rather, interested drivers have to email GEICO at [email protected] with their name and mailing address. GEICO will send a paper application to fill out and return. It usually takes about a month for GEICO to verify everything and provide a quote, according to GEICO customer service.
This restriction appears to be unique to GEICO. Other major insurance companies are able to provide online quotes to Michigan drivers with no issue.
Car insurance is so expensive in Michigan because the state requires the most expensive minimum coverage levels in the country. Michigan’s no-fault car insurance regulations require drivers to cover their own losses, no matter who causes an accident. Michigan drivers are also required to have a Personal Injury Protection (PIP) policy to pay medical expenses for themselves and any passengers who don’t have their own insurance. While this is not unusual in a no-fault state, Michigan is the only state to set no dollar limit on this coverage. In other words, if a covered driver or passenger sustains a serious injury, like brain damage or loss of limbs, they are guaranteed unlimited lifetime medical benefits. In some cases, these benefits can cost millions of dollars.… read full answer
Car insurance companies are required to pay up to $555,000 to cover lifetime medical expenses. Costs over this amount are covered by the non-profit Michigan Catastrophic Claim Association (MCCA). Michigan drivers contribute to the MCCA by paying an annual assessment fee through their insurance. That fee is $220 per vehicle in 2019. This is in addition to the high cost of PIP coverage, which continues to rise with increasing medical costs.
A high rate of insurance fraud, fueled by Michigan’s generous benefits, has led to even higher premiums. Studies show that 8% - 10% of all claims in Michigan are fraudulent. In addition, the high cost of insurance in Michigan has made coverage unaffordable for many drivers. Roughly 1 in 5 drivers in the state is uninsured, according to the Insurance Information Institute. Fewer insured drivers to pay premiums drives up the expense for those who are paying.
Expensive benefits and high rates of fraud and uninsured motorists have made Michigan one of the costliest states for car insurance.
There are more than 50 auto insurers selling policies to Michigan drivers, including all of the popular national auto insurance companies. Michigan also has many local and regional auto insurance providers, including Michigan Farm Bureau and Frankenmuth Mutual.
Largest Michigan Auto Insurance Companies, by Premiums
For a complete list of Michigan auto insurance companies, you can go to the official site for the Michigan Department of Insurance and Financial Services. Unfortunately, you can only sort their list by “Property and Casualty Entities,” which gives you automobile, homeowners and property insurance companies. And the list doesn’t specify which of these types a company is. Bottom line: You need to do your research.
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