You can check how many points are on your license in Michigan by going to the Michigan Department of State website. Checking your license points in Michigan will cost you $11 ($12 for a certified copy), since you will need to pay for a copy of your driving record.
Michigan uses driver’s license points to track violations. Accumulating 12 points in 24 months will result in a suspended license. Insurance companies also check customers’ driving records for points, since having a poor driving record is associated with an increased risk of filing a claim. Consequently, license points will result in higher premiums. For instance, one DUI conviction will raise your premium by an average of 186% in Michigan.
In Michigan, drivers need $50,000 of bodily injury liability insurance per person (up to $100,000 per accident) and $10,000 of property damage liability insurance. Most Michigan drivers also need to carry personal injury protection (PIP), which pays for medical expenses for a driver and their passengers. Property protection insurance is required in Michigan, too, and it pays for damage to other people’s property within the state of Michigan, such as buildings, fences, and parked cars.… read full answer
*Drivers in Michigan may be able to purchase less PIP coverage if they have Medicare or Medicaid.
Optional Car Insurance Coverage in Michigan
If you lease or finance your car, you may be required to carry coverage types that are not mandatory under Michigan law. For instance, lenders usually require comprehensive and collision insurance.
Collision insurance covers repairs to your car when you hit another car or object. Comprehensive insurance covers damage to your vehicle caused by something other than a collision—like a natural disaster, vandalism, falling objects, or animals.
You might also want to get gap insurance, which covers the difference between what you owe on your loan and what the vehicle is worth at the time of a total loss.
Two points will increase a driver’s insurance costs by roughly 20% to 100%, depending on the state, insurance company and type of violation. Two points are assigned for relatively minor traffic violations, like driving at night with no headlights or making an illegal U-turn. Two points might even be the minimum number of points you can get, depending on where you live. Some states assign points by a factor of two, skipping odd numbers in their points system. The specific cost increase will vary depending on the driver’s insurance company and home state – insurance companies don’t count license points specifically, so a driver can’t be sure how much their insurance company will charge them for the violation.… read full answer
Instead, license points are tracked by your state’s department of motor vehicles in 41 of the 50 states. You get points for different traffic violations, such as speeding and driving under the influence. The other nine states (Hawaii, Kansas, Louisiana, Minnesota, Mississippi, Oregon, Rhode Island, Washington, and Wyoming) keep track of the number of traffic violations you have and suspend your license if you have too many.
The long-term effects of 2 points on your license
Your insurance company doesn’t track your state license points, but they definitely care about the traffic violations that earn you those points. So your license points and your insurance costs are related. In fact, insurance companies have their own points systems for policy pricing, which take into account serious traffic violations, claims history, and more. Any additional violation or claim can further raise your insurance rates by up to 50% or more, on top of your already increased rate.
However, your state’s tracking system has far greater consequences than your insurance company’s. If your company penalizes you for a violation, the worst thing that will happen is you pay a lot of money for car insurance. If you earn too many license points, you can expect to lose your license completely.
Additional points on your record increase the odds that your next violation will result in license suspension, by bringing you closer to exceeding your state’s point limit. Two points will stay on your license anywhere from one to six years, depending on state laws – three to five years is typical.
If you have two points on your license, be extra careful in the future to avoid another violation. In some states, a defensive driving course can get two points (or more) wiped off your record, but not all states have a point reduction program. And you’re limited in how often you can use the driving course to remove points – it’s normal to have to wait at least one year before you can get more points removed. That means it’s still important to pay your ticket(s) on time and do your best to abide by all traffic laws. Doing so will increase your chance of avoiding more state or insurance penalties.
Car insurance in Michigan costs $159 per month, on average, or $1,908 per year. The average cost of car insurance in Michigan is 165% higher than the national average auto insurance premium, and Michigan ranks 50 out of 50 for the most affordable car insurance rates in the U.S.
There are several factors that affect how much you’ll pay for car insurance in Michigan, including your driving record, age, location, the amount of coverage that you purchase, and the insurance company you buy it from. On average, the cheapest insurance companies in Michigan are Travelers, Secura, and Wolverine Mutual. But every insurer has their own way of calculating premiums, so it’s a good idea to get quotes from at least three different companies to make sure you find the best deal.
Finally, it’s worth noting that car insurance premiums in Michigan are high, compared to the cost of coverage in neighboring states like Ohio and Illinois. You can find more details in the table below.
Cost of Car Insurance in Michigan vs. Neighboring States
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