McKayla Girardin, Car Insurance Writer
You can get car insurance in Michigan by comparing quotes from both national and local insurance companies to find the best deal, then purchasing coverage online, by phone or in person. In Michigan, liability insurance, personal injury protection and property protection insurance are required for all drivers.
7 Steps to Get Car Insurance in Michigan
1. Gather vehicle and driver details
You’ll need to have information about yourself and any other drivers you want on your policy, including driver names, addresses, and driver’s license numbers. You will also need details about the vehicles you’d like to insure, such as vehicle makes and models, VINs, and mileage.
2. Decide how you want to purchase insurance
Most insurance companies allow you to purchase car insurance online. You can also purchase it over the phone or in person through a company’s dedicated agent or through an independent insurance broker. Purchasing through an agent or broker instead of online may be better for people who are less tech-savvy and want to have a person walk them through the available options.
3. Look into the required types of insurance in Michigan
In Michigan, drivers must have at least a minimum amount of bodily injury liability, property damage liability, personal injury protection and property protection insurance.
Type of Coverage
Bodily injury liability per person
Bodily injury liability per accident
Property damage liability
Personal injury protection
Property protection insurance
4. Consider additional types of coverage
You should look into optional types of coverage, like collision and comprehensive. While they aren’t required by state law, lenders and lessors will often require financed vehicles to carry collision and comprehensive insurance, and these types of coverage can help protect your finances.
5. Compare quotes
Comparing prices from several different companies is the best way to make sure you’re getting the best deal.
Cheapest Car Insurance Companies in Michigan
$392 per year
$427 per year
$635 per year
$768 per year
$795 per year
6. Check for discounts
Always make sure you’re taking advantage of every discount available.
7. Pay for your policy
You’ll need to figure out whether you’d rather pay monthly or pay in full up front. Most companies offer a slight discount for paying up front. When choosing a specific policy, you’ll also need to pick deductibles for certain types of coverage, like comprehensive and collision.
To learn more, check out WalletHub’s guide to getting car insurance.
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