Car Insurance for Michigan Drivers
Michigan drivers need car insurance coverage that has their back. We’re here to help you find the protection you need to feel confident behind the wheel. If you’re looking for the best car insurance in Michigan, you’ll need to find an insurance company that goes above and beyond for their customers. You can count on The Hartford to be there when you need us most. Get your Michigan drivers need car insurance coverage that has their back. We ’ re here to help you find the protection you need to feel confident behind the rack. If you ’ rhenium looking for the best car insurance in Michigan, you ’ ll want to find an insurance company that goes above and beyond for their customers. You can count on The Hartford to be there when you need us most. Get your car insurance quote from us today .
1 The Hartford has been protecting Michigan AARP members and their families since 1984. We’ve earned a reputation for integrity and trust, and we’re proud to have a record of high customer ratings for claims services. Whether you just moved to The Mitten or are looking for new car indemnity in Michigan, the AARP® Auto Insurance Program from The Hartford is here to help keep you protected on the road.The Hartford has been protecting Michigan AARP members and their families since 1984. We ’ ve earned a repute for integrity and trust, and we ’ re gallant to have a commemorate of high customer ratings for claims services.
Michigan Auto Insurance Coverages
2 Auto insurance coverages vary by state, so be indisputable to check the minimums where you live. In Michigan, car indemnity laws require drivers to have certain policy. You ’ ll need bodily injury liability insurance to cover injury to another person and property damage liability policy to cover damage to person else ’ s place if you ’ re at fault in an accident. Michigan state law requires indebtedness coverage at the following minimum limits :
- $100,000 for bodily injury, total per accident
- $50,000 for bodily injury, per person per accident
- $10,000 for property damage per accident
- Personal Injury Protection (PIP) coverage, unless you are covered by Medicare parts A & B
Additional Car Insurance in Michigan
In addition to the car coverage you ’ re required to carry, you besides have the option to buy total protection. This can help make you feel more comfortable on the road and offer you even greater coverage. Adding these extra coverages can help ensure that you get the best car insurance for your specific needs. You may be eligible for the pursuit car indemnity coverages with us :
Michigan Car Insurance Laws
Proof of Car Insurance for Michigan Drivers
Before you can register a fomite, you must have car indemnity in Michigan. It ’ mho crucial to keep a transcript of your car policy ID tease in your vehicle in case of a cable car accident. At the very least, make certain to have a transcript on your telephone. Michigan accepts electronic proof of insurance and with The Hartford mobile app, we make it easy to always have it with you. Download the app today by visiting the Google Play ™ or App Store .™ Be aware that in Michigan, the penalties for driving without car insurance coverage include :
- Fines of $200 – $500
- Up to one year in jail
- 30-day license suspension or until you have car insurance
Michigan Uninsured Driver Facts
The state of Michigan does not require drivers to carry uninsured/underinsured motorist coverage. even, The Hartford offers this coverage which will protect you from fiscal loss if you are involved in an accident with an uninsured motorist and can not receive recompense from the early driver .
Michigan Car Insurance Laws for Staying Safe
As you travel through Michigan, there are several safe driving laws meant to protect you, like:4
Michigan Seat Belt Laws
It is a mandate law to wear a seat belt out while driving or sitting in the front man seat of a car in Michigan. Passengers that are 8-15 years old must wear a seat swath no matter where they are sitting .
Michigan Distracted Driving Laws
Texting while driving is banned for all drivers in Michigan. Fines start at $ 100 and extra offenses will cost you $ 200. To stay focused while driving, review directions before you leave and travel at times when you are normally wake up and alert .
Michigan Teen Driver Laws
Michigan has implemented graduated licensing laws to ensure that teenagers gain the experience and maturity required to be safe behind the wheel. These laws :
- Limit nighttime driving
- Restrict teen passengers
- Ensure an adequate amount of supervised driving practice
New Auto Insurance Law for Michigan
3 This law requires car insurance companies in Michigan to reduce statewide average health insurance premiums for Michigan is a no-fault state of matter, which means that if you ’ re in a car accident, each driver will need to file a call with their own insurance. In July 2020, a new Michigan car insurance law went into effect.This law requires car policy companies in Michigan to reduce statewide average health insurance premiums for personal injury protection ( PIP ) coverage for eight years. besides called no-fault indemnity, PIP comes into play no matter who ’ sulfur at demerit. In the past, it was mandatary for Michigan drivers to carry unlimited PIP coverage, but drivers can now choose from different coverage options. For more data about the state ’ sulfur no-fault insurance laws, please sojourn Michigan ’ s Department of Insurance and Financial Services
Car Insurance Benefits Offered to Michigan Drivers
Michigan drivers could receive valuable benefits as AARP members from the AARP Auto Insurance Program from The Hartford, including :
- Accident Forgiveness:‡ Your rates won’t go up just because you have an accident and it won’t count against you in your driver profile.
- 12-month Rate Protection: You can relax knowing your low premiums are locked-in for a full year.
- New Car Replacement:§§ If you total your new car within the first 15 months or 15,000 miles after you buy it, your policy will help pay to replace it.
- Disappearing Deductible:‡ Your collision deductible can go all the way down to $0 each year as long as you maintain a clean driving record.
- 24/7 Claim Service: Our representatives can help with your claim. Call 800-243-5860 or report your car insurance claim online.
Discounts on Car Insurance in Michigan
We besides offer car indemnity discounts if you have base hit features, like anti-lock brakes and multiple airbags. If you drive a hybrid or electric vehicle, you may besides be able to save money on your car indemnity premium. Send us proof of an approve defensive driving path and you can enjoy a deduction on your car policy for the future three years. There are many ways to save money on your car indemnity with The Hartford .
Contact The Hartford About Car Insurance in Michigan
Common Questions About Car Insurance in Michigan
How Much is Car Insurance in Michigan?
Michigan car indemnity rates will be different for everyone, depending on things like your credit history, drive record and insurance rat. For exemplify, having an at-fault car accident can affect your car policy rates. Learn how much car policy is today .
Why Is Michigan Auto Insurance So Expensive?
car indemnity rates differ by drivers and depend on what policy company you choose. State minimums for the come of car indemnity Michigan requires you to buy besides affects your cost. This insurance quotation mark calculator can give you a quick idea of how much you might pay with The Hartford .
What Is the Minimum Auto Insurance Coverage in Michigan?
Michigan requires bodily injury liability policy and property wrong liability indemnity. Since Michigan is a no-fault state, you ’ ll likely besides need Personal Injury Protection ( PIP ) coverage .
Does Car Insurance in Michigan Cover Theft?
Yes, comprehensive car insurance does cover larceny. comprehensive examination policies help cover vandalism, larceny and personal property .
How Can I Get a Car Insurance Quote in Michigan?
We make it easy to get an car policy quote. Call us at 888-413-8970 or get a car indemnity quotation mark on-line in merely a few minutes. We ’ ll serve you decide how to get the best car insurance in Michigan for your needs.
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2 Michigan Department of Insurance and Financial Services, Your Guide to Automobile Insurance – Certain coverage choices require completion of required forms
3 Michigan Department of Insurance and Financial Services, Lower Costs
4 Governors Highway Safety Association, States