Insurance Michigan

Auto Insurance, Now in 34 states!


Michigan has more freshwater shoreline than any other State in the Nation and is known for great fishing. We’ll fish around to different insurance companies to find you the best rate!

Auto Insurance, Now in 34 states!


Michigan has more freshwater shoreline than any other State in the Nation and is known for great fishing. We’ll fish around to different insurance companies to find you the best rate!

Auto insurance is expensive in Michigan. The average car insurance rate in Michigan is $3,096 per year — twice as expensive as the national average making it the most expensive state in America for car insurance. (YIKES) Don’t let this get you down. A lot of different variables can raise or lower one’s rates- Age, Driving history, Exact location of where you live in Michigan-Etc. At A Plus Insurance, Our goal is to make sure you feel confident in the policy you choose. How do we do this?


Lake Michigan is the third largest of the Great Lakes, you want your great prices to come in first place for your insurance!

Remember that while finding the cheapest rate is essential, it’s also crucial to consider the reputation and financial stability of the insurance provider. Make sure the company has good customer service and a reliable claims process.

Let’s say you want the most basic insurance policy, none of the bells and whistles. Just something to get you on the road and covered!

Start with the State Minimum Limits for Insurance Michigan:

The law requires minimum bodily injury liability coverage limits of $50,000 per person and $100,000 per accident, but drivers may choose to purchase Higher limits.

The law requires a minimum of $10,000 of PD coverage. However, our attorneys recommend that you carry a minimum of $100,000


CarrierAverage Price
National General$88
Mendota Ins. Company$92
Progressive Insurance$97
The General$104
Bristol West$112
Insurance Michigan


On the other side of the spectrum is of course Full Coverage. Which is a wise choice if you cannot cover damages to a vehicle you are currently paying for.

For Coverage to be ‘FULL’, one must add two coverage types. Comprehensive and Collision. The basic liability limits only cover outside of your vehicle, while comprehensive and collision cover your property.

Our thorough agents take the time to be diligent and compare as many different insurers as needed to find the policy for you! Please give us a call today to get your FREE quote started. Can’t get away long enough for a call? We’ve got you covered! Please visit our Website at your own convenience to start your insurance Michigan quote.


CarriersAverage Cost
Acceptance RTR$146
American Family$154
Mendota Ins. Company$158
National General$159
Progressive Insurance$160
Insurance Michigan: This coverage does not include certain add-ons like Rental and Towing

New A Plus Insurance Customers in Michigan Save on Average $590..that’s a ton of Michigan cherries!


Your insurance Michigan score makes up a big factor in determining your auto insurance premiums! This could mean a decrease in your monthly premium from anywhere between $15-$40 less! Adding those savings up over the course of a year could mean big things! See rates below for how much you could pay in Michigan with good credit!

Here are some tips:

  1. Get multiple quotes: Reach out to the insurance providers on your list and request quotes for liability-only coverage based on your specific details. Provide accurate information about your vehicle, driving history, and credit score.
  2. Compare rates: Once you have gathered several quotes, compare the rates and coverage options side by side. Look for the policy that offers the most value for the price, considering both the cost and the coverage provided.
  3. Check for discounts: Inquire about any discounts available from each insurance provider. They may offer discounts based on factors such as good credit, safe driving history, bundling policies, or completing defensive driving courses.
  4. Evaluate customer reviews and financial stability: Along with the cost, consider the reputation of the insurance company and its customer service track record. Check customer reviews and ratings to ensure the company has a positive reputation.
  5. Customize coverage options: Work with the insurance providers to customize your coverage options to fit your needs while keeping the cost in mind. Adjusting deductibles and coverage limits can help you find a balance between affordability and adequate protection.


Bristol West$131
The General$140
Progressive Insurance$142


Good driving history is sweeter than a cherry, the official State fruit of Michigan. That is because insurance companies do not see you as a risk.

To improve your driving history if it is not so good, try taking a defensive driving course or a monitoring device for good driver discounts.

Remember, the cost of auto insurance Michigan can vary significantly based on individual factors, and the cheapest option for one person may not be the same for another. It’s recommended to reach out to insurance providers directly, provide them with your specific information, and request personalized quotes to find the most affordable option for your situation.


CarriersAverage Cost
Bristol West$134
Mendota Ins. Company$137
21st Century$138
The General$140


In Michigan, they say, “Si Quaeris Peninsulam Amoenam Circumspice” means, “If you seek a pleasant peninsula, look about you.”

Seeking a great rate after a serious moving violation can be a challenge. This is because rates tend to increase when you’ve been convicted of a major moving violation.

This at times leads to the requirement of an SR-22 filing with the State. This is proof that you are financially responsible enough to be on the road. A moving violation is not the end of the road, options are out there. Need Michigan Insurance now? We can help you!

When you have a DUI conviction and require SR-22 insurance in Michigan, finding affordable coverage can be challenging. DUI convictions typically result in higher insurance rates due to the increased risk associated with such offenses. However, here are some steps you can take to find the most cost-effective SR-22 insurance in Michigan:

  1. Research insurance providers: Compile a list of insurance companies that offer SR-22 Insurance Michigan rates. Look for both large national insurers and local or regional providers that may specialize in high-risk or non-standard insurance.
  2. Obtain multiple quotes: Reach out to the insurance providers on your list and request quotes for SR-22 insurance. Be prepared to provide accurate information about your DUI conviction and driving history. Compare the rates offered by different providers to find the most affordable option.
  3. Consider non-standard insurers: Traditional insurance companies may have stricter underwriting guidelines and higher rates for individuals with DUI convictions. Non-standard insurers specialize in providing coverage to high-risk drivers and may offer more competitive rates for SR-22 insurance.
  4. Opt for higher deductibles: Increasing your deductibles can help lower your insurance premiums. However, be sure to choose deductibles that you can comfortably afford to pay out of pocket if you need to file a claim.
  5. Explore discounts and savings opportunities: While discounts for drivers with DUI convictions may be limited, inquire about any available discounts. Some insurers offer savings for completing approved defensive driving courses or for maintaining a clean driving record after the DUI conviction.
  6. Maintain a good credit score: Even with a DUI conviction, maintaining a good credit score can help lower your overall insurance costs. Insurers often consider credit history as a factor in determining premiums.
  7. Seek assistance from an insurance agent: Consider working with an independent insurance agent who can help you navigate the complexities of finding affordable SR-22 insurance in Michigan. They have access to multiple insurers and can help you find the best rates for your situation.


CarriersAverage Price (DUI)
Assurance America$158
The General$164
National General$166
CarriersAverage Price (SR22)
The General$91
Progressive Insurance$94
Mendota Ins. Company$99
National General$108
State Farm$110
Sr22 Insurance Michigan
2024 Insurance Michigan

The Lake Michigan Triangle-sometimes referred to as the Michigan Triangle…spans from Manitowoc, Wisconsin to Ludington, Michigan, and south to Benton Harbor. Explore more on this topic.

Are you currently living in The Great Lake state? Have you been looking high and low for Auto insurance but honestly don’t know where to start? It can be a daunting task! We understand! Well, we’re here to help. You’re only one phone call away from getting your FREE quote!

At A Plus Insurance you can rest assured that we’re ready for your call now. For an Auto quote, it can take 10-15 minutes. For Home about 15-20 minutes. At A Plus Insurance our goal is to make the quote process for our clients easy, fast, informative, and as painless as possible!

Insurance Michigan Tips

  1. Understand Michigan’s No-Fault Insurance: Michigan is a no-fault state, meaning your own insurance company will cover your medical expenses and other economic losses regardless of who was at fault in an accident. Make sure you understand how this system works and what coverage you need.
  2. Compare Rates: Insurance rates can vary widely between providers, so it’s essential to shop around and compare quotes from multiple insurers to ensure you’re getting the best deal. Look not only at the premiums but also at the coverage offered.
  3. Consider Coverage Options: In addition to the required no-fault coverage, consider additional coverage options like collision, comprehensive, uninsured/underinsured motorist, and personal injury protection (PIP) coverage. Evaluate your needs and budget to determine the appropriate level of coverage for you.
  4. Bundle Policies: Many insurance companies offer discounts if you bundle multiple policies, such as auto and home insurance. Check with your insurer to see if bundling is available and if it can save you money.
  5. Maintain a Good Driving Record: Your driving record plays a significant role in determining your insurance premiums. Drive safely and avoid accidents and traffic violations to keep your rates low.
  6. Consider Usage-Based Insurance: Some insurers offer usage-based insurance programs where your premiums are based on your actual driving habits. If you’re a safe driver, this could potentially save you money on your insurance.
  7. Review and Update Regularly: Life changes, and so do your insurance needs. Regularly review your policy to ensure it still meets your needs and update it as necessary based on changes in your circumstances.
  8. Ask About Discounts: Inquire about any discounts you may be eligible for, such as good student discounts, multi-car discounts, or discounts for safety features on your vehicle. Taking advantage of these discounts can help lower your premiums.
  9. Consider Higher Deductibles: Opting for a higher deductible can lower your premiums, but make sure you can afford the out-of-pocket expense if you need to make a claim.
  10. Be Wary of Fraud: Unfortunately, insurance fraud exists, so be cautious of any offers that seem too good to be true or any individuals or companies engaging in shady practices.


Welcome Center Free Auto Insurance Quote
2024 Insurance Michigan

Don’t give up…we can help you find affordable rates, need an SR-22? We got you!

Welcome Center Homeowners And Renters Insurance
2024 Insurance Michigan

Homeowners, renters, and mobile home owners: make sure you have the protection you need.

Welcome Center Other Insurance Quotes
2024 Insurance Michigan

Motorcycles, RVs, ATVs, life insurance, you name it…we can help!

Additional Michigan Insurance
Auto Liability Insurance in Michigan
Guide to Michigan Full Coverage Insurance
Best Michigan Motorcycle insurance

Frequently Asked Questions about Insurance in Michigan

Q1: What types of insurance do you offer in Michigan?

We offer various insurance types in Michigan, including auto insurance, home insurance, life insurance, and more. Our aim is to provide comprehensive coverage to meet your specific needs.

Q2: How can I get a quote for insurance in Michigan?

You can request an insurance quote for Michigan by visiting our website and filling out our online quote request form. We will promptly provide you with a personalized quote based on your requirements.

Q3: Need personalized insurance guidance? Call us!

For personalized guidance on insurance in Michigan or to discuss your specific needs, please call us at 1.888.445.2793. Our team of experts is here to assist you with your insurance questions and provide tailored advice.

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Here you can edit the information about Insurance in Michigan.

  • Insurance options in Michigan are diverse and cater to various needs.
  • Explore different types of insurance policies and their advantages.
  • For inquiries or quotes, call us at 1.888.445.2793.

Last Updated on by Marlon Moss

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