Car Insurance for Michigan Drivers
Michigan drivers need car insurance coverage that has their back. 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
car insurance quote from us today.
Whether you just moved to The Mitten or are looking for new car insurance in Michigan, the
AARP® Auto Insurance Program from The Hartford
1 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 reputation for integrity and trust, and we’re proud to have a record of high customer ratings for claims services.
Michigan Auto Insurance Coverages
Auto insurance coverages vary by state, so be sure to check the minimums where you live. In Michigan, auto insurance laws require drivers to have certain insurance. You’ll need
bodily injury liability insurance to cover injury to another person and
property damage liability insurance to cover damage to someone else’s property if you’re at fault in an accident. Michigan state law requires liability coverage at the following minimum limits:
2
- $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 auto coverage you’re required to carry, you also have the option to buy added protection. This can help you feel more comfortable on the road and offer you even greater coverage. Adding these additional coverages can help ensure that you get the
best car insurance for your specific needs. You may be eligible for the following
auto insurance coverages with The Hartford:
Michigan Car Insurance Laws
Proof of Car Insurance for Michigan Drivers
Before you can register a vehicle, you must have car insurance in Michigan. It’s important to keep a copy of your car insurance ID card in your vehicle in case of a car accident. At the very least, make sure to have a copy on your phone. 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. Still, The Hartford offers this coverage which will protect you from financial loss if you are involved in an accident with an uninsured motorist and cannot receive compensation from the other 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 law to wear a seat belt while driving or sitting in the front seat of a car in Michigan. Passengers that are 8-15 years old must wear a seat belt 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 additional offenses will cost you $200. To stay focused while driving, review directions before you leave and travel at times when you are normally awake 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
Michigan is a no-fault state, which means that if you’re in a car accident, each driver will need to file a claim with their own insurance. In July 2020, a new Michigan car insurance law went into effect.
3 This law requires car insurance companies in Michigan to reduce statewide average health insurance premiums for
personal injury protection (PIP) coverage for eight years. Also called
no-fault insurance, PIP comes into play no matter who’s at fault. In the past, it was mandatory for Michigan drivers to carry unlimited PIP coverage, but drivers can now choose from different coverage options. For more information about the state’s no-fault insurance laws, please visit 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:‡ We understand every driver makes mistakes. As long as all the drivers on your car insurance policy have clean driving records for five straight years with The Hartford, you’ll qualify for accident forgiveness.
- New Car Replacement:§§ If you total your new car, we’ll replace it with a new one of the same make, model and equipment with no deduction for depreciation.
- 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 also offer
car insurance discounts if you have safety features, like anti-lock brakes and multiple airbags. If you drive a hybrid or electric vehicle, you may also be able to save money on your car insurance premium. You could also receive a discount on your car insurance by taking an approved defensive driving course. There are many ways to save money on your car insurance 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 insurance rates will be different for everyone, depending on things like your credit history, driving record and insurance rating. For instance, having an at-fault car accident can affect your auto insurance rates. Learn
how much car insurance is today.
Why Is Michigan Auto Insurance So Expensive?
Car insurance rates differ by drivers and depend on what insurance company you choose. State minimums for the amount of auto insurance Michigan requires you to buy also affects your cost. This
insurance quote 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 insurance and property damage liability insurance. Since Michigan is a no-fault state, you’ll likely also need Personal Injury Protection (PIP) coverage.
Does Car Insurance in Michigan Cover Theft?
How Can I Get a Car Insurance Quote in Michigan?
We make it easy to get an auto insurance quote. Call us at
888-413-8970 or get a
car insurance quote online in just a few minutes. We’ll help you decide how to get the best car insurance in Michigan for your needs.
Last Updated: October 5, 2023
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.
