Comprehensive Guide to Insurance Quotes in Michigan


Looking for affordable and tailored insurance in Michigan? At A Plus Insurance, we offer personalized quotes to fit your needs perfectly. Give us a call today!

Car Icon

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

House Icon

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

Motorcycle Icon 2

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

Michigan State Liability Requirements

Required Liability Coverage:
$20,000 bodily injury liability per person
$40,000 bodily injury liability per accident
$10,000 property damage liability per accident
Uninsured Motorist Coverage: Rejection Form
$50,000 Personal Injury Protection

State Minimum Car Insurance Requirements in Michigan

In Michigan, understanding the state’s minimum car insurance requirements is crucial. To legally drive in the Great Lakes State, you must have a minimum amount of coverage. For liability insurance, the state mandates a minimum of $50,000 per person for bodily injury, $100,000 per accident for bodily injury when multiple people are involved, and $10,000 for property damage. This coverage is commonly referred to as 50/100/10.

Additionally, Michigan is a no-fault insurance state, meaning that each driver’s insurance covers their own medical expenses and property damage regardless of who’s at fault. While these are the minimum requirements, it’s important to note that they may not provide sufficient coverage in the event of a serious accident. It’s often wise to consider higher coverage limits to protect your assets adequately.

Table: Michigan State Minimum Car Insurance Requirements

Coverage TypeMinimum Coverage Amount
Bodily Injury (per person)$20,000
Bodily Injury (per accident – multiple people)$40,000
Property Damage$10,000

Ensuring you meet these requirements is essential for legally driving in Michigan, but it’s advisable to consult with an insurance expert to determine the coverage that best suits your needs and budget.

Least Expensive SR22 Car Insurance in Michigan

Looking for affordable SR22 insurance in Michigan? A Plus Insurance understands the importance of finding cost-effective options. National General offers competitive rates for SR22 coverage, starting at an estimated $800 annually, while State Farm provides similar coverage at approximately $900 per year, and Progressive offers coverage at around $850 annually.

Insurance CompanyEstimated Annual Cost
National General$800
State Farm$900
Progressive$850

Evaluating different carriers and their SR22 insurance offerings can help you find the most economical solution. A Plus Insurance assists in navigating the options, ensuring you get the least expensive SR22 insurance that meets your requirements.

Key Points:

  • National General estimates SR22 coverage at $800/year, while State Farm offers around $900/year, and Progressive at approximately $850/year.
  • Comparing insurance carriers aids in finding the most affordable SR22 option.
  • A Plus Insurance guides you through the process for economical SR22 coverage.

Watch our SR22 Guide Here!

Sr22 Insurance Thumbnail For Video
2024 Insurance quotes in Michigan

SR22 Insurance Process

01.

Consultation​

We gather detailed information, ensuring you have all the facts before making a decision.

02.

Quote

Receive your SR22 insurance quote, customized to your unique needs and credit profile

03.

Filing

We work closely with the insurance carrier to ensure that the sr22 is filed with the state

04.

Policy Management

Our policy service doesn’t end once the documents are signed. We’re here for you, month to month.

Top Car Insurance Discounts in Michigan

When it comes to saving money on your car insurance in Michigan, taking advantage of available discounts can make a significant difference. Here are some top car insurance discounts you should consider:

  1. Multi-Policy Discount: Bundling your auto insurance with other policies, such as home insurance, can often lead to substantial discounts. Insurance carriers like Allstate and Progressive offer these multi-policy discounts.
  2. Good Driver Discount: Maintaining a clean driving record with no accidents or violations is one of the most effective ways to lower your rates. Companies like State Farm and Travelers reward safe drivers.
  3. Good Student Discount: If you have a young driver in your household who maintains good grades, you may qualify for a good student discount. Companies like Progressive and State Farm often provide this discount to eligible students.
  4. Safe Vehicle Discount: If your car is equipped with safety features like airbags, anti-lock brakes, and an anti-theft system, you could be eligible for a safe vehicle discount. Many insurance companies, including Dairyland and National General, offer this benefit.

Remember, each insurance carrier may have its unique set of discounts, so it’s a good idea to shop around and compare quotes to maximize your savings.

Table: Top Car Insurance Discounts in Michigan

Discount TypeInsurance Carriers Offering the Discount
Multi-Policy DiscountAllstate, Progressive
Good Driver DiscountState Farm, Travelers
Good Student DiscountProgressive, State Farm
Safe Vehicle DiscountDairyland, National General

Exploring these discounts can help you find ways to reduce your car insurance premiums and get the coverage you need at a more affordable price.

Best Liability Only Auto Insurance Rates in Michigan

When seeking insurance quotes in Michigan for liability-only auto coverage, it’s vital to consider affordable options. In Michigan, Progressive offers competitive rates for liability-only coverage, starting at an estimated $500 annually, while State Farm provides similar coverage at approximately $550 per year, and Allstate offers coverage at around $600 annually.

Insurance CompanyEstimated Annual Cost
Progressive$500
State Farm$550
Allstate$600

Evaluating different carriers and their liability-only coverage options can help you find the most cost-effective solution. A Plus Insurance provides guidance in selecting the best liability-only coverage that meets your needs and budget.

Key Points:

  • Progressive estimates liability-only coverage at $500/year, while State Farm offers around $550/year, and Allstate at approximately $600/year.
  • Comparing insurance carriers aids in finding the most affordable liability-only option.
  • A Plus Insurance assists in securing cost-effective liability-only coverage.

Car Insurance Rating Factors in Michigan

When seeking insurance quotes in Michigan, various factors impact car insurance rates. In the state, factors like your driving record significantly influence premiums. For instance, if you have a clean driving history, insurance rates tend to be lower. Additionally, insurance companies such as Progressive, State Farm, and Allstate consider factors like your age, vehicle make and model, and even your credit score when determining rates.

Insurance CompanyRating Factors Considered
ProgressiveDriving record, age, vehicle
State FarmDriving history, age, credit
AllstateVehicle type, credit, age

Understanding these rating factors helps individuals navigate insurance choices effectively. A Plus Insurance assists in analyzing these factors, ensuring you get optimal coverage at competitive rates.

Key Points:

  • Driving record plays a significant role in determining insurance rates.
  • Insurance companies like Progressive, State Farm, and Allstate consider factors such as age, vehicle, and credit score when setting rates.
  • A Plus Insurance provides guidance in understanding and leveraging these rating factors.

Most Affordable Broadform/Non-Owners Car Insurance in Michigan

If you don’t own a car but still need liability coverage in Michigan, you may be looking for Broadform or Non-Owners car insurance. This type of policy provides you with the necessary liability protection when you occasionally drive a car that you don’t own. It’s an excellent choice for those who borrow or rent vehicles frequently.

When seeking the most affordable Broadform/Non-Owners car insurance in Michigan, it’s essential to compare quotes from various insurance carriers. Companies like Allstate, Progressive, and Dairyland offer these policies, and their rates can vary significantly. By shopping around, you can find the coverage that fits your needs and budget. Here are some key factors that can affect the cost of your Broadform/Non-Owners car insurance:

  • Coverage Limits: The higher the liability coverage limits you choose, the more you’ll pay for the policy.
  • Driving Record: A clean driving record typically results in lower premiums.
  • Insurance Carrier: Different companies may offer different rates for the same coverage.

Cheapest Car Insurance With Good Credit in Michigan

Seeking insurance quotes in Michigan with good credit? Your credit score significantly impacts insurance rates. For individuals with good credit in Michigan, Progressive offers competitive rates starting at an estimated $700 annually, while State Farm provides similar coverage at approximately $750 per year, and Allstate offers coverage at around $800 annually.

Insurance CompanyEstimated Annual Cost
Progressive$700
State Farm$750
Allstate$800

Maintaining good credit positively influences insurance costs. Companies like Progressive, State Farm, and Allstate consider good credit as a factor for discounted premiums. A Plus Insurance helps leverage your good credit to find the cheapest insurance options tailored to your needs.

Key Points:

  • Good credit significantly impacts insurance rates in Michigan.
  • Progressive estimates coverage at $700/year, State Farm at around $750/year, and Allstate at approximately $800/year for individuals with good credit.
  • A Plus Insurance assists in leveraging good credit for affordable insurance options.

Least Expensive Car Insurance With Bundle / Homeowners Discount

When it comes to finding the least expensive car insurance in Michigan, bundling your auto insurance with your homeowners insurance can be a smart move. Many insurance companies offer substantial discounts to policyholders who choose to bundle their coverage. By insuring both your car and home with the same insurance provider, you can often enjoy savings of up to 25% on your premiums. It’s a win-win situation – not only do you get to simplify your insurance by having everything under one roof, but you also get to keep more money in your pocket.

Comparing Bundle Discounts Across Top Insurers

To help you make an informed decision, here’s a comparison of bundle discounts offered by some of the top insurance carriers we work with in Michigan:

Insurance CompanyBundle Discount Percentage
Allstate25%
Progressive12%
State Farm17%
Travelers20%
National General15%

Please note that these percentages are estimates and can vary based on your specific circumstances. To get the most accurate quote and discover the least expensive option tailored to your needs, it’s advisable to speak with one of our licensed agents who can provide personalized guidance and help you maximize your savings.

How DUIs/Violations Affect Car Insurance in Michigan

If you’ve had a DUI or violations, insurance quotes in Michigan can significantly spike. For instance, Progressive might increase rates by an estimated 60% following a DUI, State Farm could elevate premiums by approximately 50% post-violations, while Allstate might raise rates by around 55% after such incidents.

Insurance CompanyRate Increase After Incident
Progressive60%
State Farm50%
Allstate55%

DUIs or violations have a considerable impact on insurance premiums. A Plus Insurance assists in navigating these effects, finding the best options despite these incidents.

Key Points:

  • Progressive might increase rates by 60% post-DUI, State Farm by 50% after violations, and Allstate by 55% post-incident.
  • DUIs or violations significantly elevate insurance premiums.
  • A Plus Insurance aids in finding suitable coverage options despite past incidents.

Cheapest Full Coverage Insurance in Michigan

When it comes to protecting your vehicle with full coverage insurance in Michigan, affordability is key. Full coverage typically includes both liability insurance and comprehensive and collision coverage. To find the cheapest options, it’s essential to compare quotes from various insurance providers. We work with some of the top insurers in Michigan, including Allstate, Progressive, and State Farm. By leveraging our expertise and industry connections, we can help you discover the most budget-friendly full coverage policies tailored to your needs. Don’t compromise on protection – let us guide you to the insurance that offers both comprehensive coverage and savings.

Comparing Rates for Full Coverage

To give you an idea of the cost differences among the top insurance carriers we work with in Michigan, here’s a comparison of full coverage rates for a typical driver:

Insurance CompanyAnnual Premium
Allstate$1,200
Progressive$1,000
State Farm$1,150

Please keep in mind that these rates are approximate and can vary based on factors such as your driving history, vehicle, and location. For personalized quotes and to explore the cheapest full coverage options available to you, contact our team of experienced agents. We’ll help you secure the coverage you need without breaking the bank.

How to Save Money on Homeowners Insurance in Michigan

When seeking insurance quotes in Michigan for homeowners insurance, bundling policies can lead to substantial savings. For example, Allstate offers a discount of approximately 15% when bundling home and auto coverage, while State Farm provides a discount of about 10% for bundling policies. Additionally, installing security systems or smoke detectors may qualify for further discounts with insurers like Progressive or National General.

Insurance CompanyBundle Discount Offered
Allstate15%
State Farm10%
ProgressiveVaries
National GeneralVaries

Bundling policies and investing in home security can lead to significant cost reductions on homeowners insurance. A Plus Insurance assists in exploring these options, maximizing discounts available in Michigan.

Key Points:

  • Allstate offers a 15% discount, State Farm offers 10% for bundling home and auto insurance policies.
  • Security system installations may further qualify for discounts with insurers like Progressive and National General.
  • A Plus Insurance provides guidance to leverage bundle discounts and security measures for savings.

Top Rating Factors for Home Insurance in Michigan

When considering insurance quotes in Michigan for homeownership, several factors significantly impact home insurance rates. Insurers like State Farm, Allstate, and Progressive emphasize the age and condition of your home as primary factors for determining premiums. Additionally, the location of your residence, particularly its proximity to fire stations or flood-prone areas, influences rates with insurers such as Allstate and National General.

Insurance CompanyRating Factors Considered
State FarmHome age, condition
AllstateHome location, proximity to hazards
ProgressiveHome age, condition
National GeneralHome location, proximity to hazards

Understanding these key factors helps in assessing home insurance rates effectively. A Plus Insurance provides guidance on navigating these considerations, ensuring tailored coverage for your home needs.

Key Points:

  • Insurers like State Farm, Allstate, and Progressive consider home age and condition as crucial factors.
  • Home location and proximity to hazards also affect rates, as emphasized by Allstate and National General.
  • A Plus Insurance assists in comprehending these rating factors, facilitating personalized home insurance solutions.

Best Motorcycle Insurance in Michigan

When protecting your beloved bike in Michigan, choosing the right motorcycle insurance is essential. Whether you’re cruising the scenic routes of the Great Lakes State or zipping through the vibrant city streets, having comprehensive coverage is a must. At our auto insurance brokerage, we extend our expertise to motorcycle enthusiasts. We collaborate with top insurers like Progressive, Allstate, and Geico to bring you tailored motorcycle insurance options. Our team understands the unique needs of riders and can help you find policies that offer excellent protection at competitive rates.

Rate Comparison for Motorcycle Insurance

To help you make an informed decision, here’s a rate comparison for annual premiums from some of the leading motorcycle insurance providers in Michigan:

Insurance CompanyAnnual Premium
Progressive$350
Allstate$400
Geico$320

Please note that these rates are approximate and can vary based on factors such as your bike’s make and model, your riding history, and location. To get personalized quotes and explore the best motorcycle insurance options tailored to your needs, get in touch with our experienced agents. We’re committed to helping you ride confidently with the right coverage.

Business Liability Insurance in Michigan

Your Michigan-based business deserves the best protection, and that’s where business liability insurance comes into play. Whether you’re a small startup or an established corporation, having the right liability coverage can safeguard your assets. At our auto insurance brokerage, we extend our expertise to business owners. We collaborate with trusted insurers like Allstate, Progressive, and Geico to offer tailored business liability insurance plans. Our team understands the unique needs of Michigan businesses and can help you find policies that provide excellent protection at competitive rates.

Rate Comparison for Business Liability Insurance

To help you make an informed decision, here’s a rate comparison for annual premiums from some of the leading business liability insurance providers in Michigan:

Insurance CompanyAnnual Premium
Allstate$800
Progressive$750
Geico$700

Please note that these rates are approximate and can vary based on factors such as the size and type of your business, location, and coverage needs. To get personalized quotes and explore the best business liability insurance options tailored to your specific requirements, contact our experienced agents. We’re committed to helping you protect your business assets effectively.

Insurance in Michigan’s Top Cities

Auto insurance rates vary based on several factors, including location. Michigan’s diverse cities can influence insurance premiums due to varying traffic density, crime rates, and localized risks. Here’s a glimpse into how different cities in Michigan may impact auto insurance rates.

  1. Detroit: Known for high traffic density and elevated crime rates, auto insurance rates in Detroit tend to be among the highest in the state due to increased risk of accidents and theft.
  2. Grand Rapids: While moderately populated, Grand Rapids experiences relatively lower traffic congestion and crime rates compared to larger cities, potentially resulting in lower auto insurance premiums.
  3. Warren: With moderate traffic and average crime rates, Warren’s auto insurance rates may be influenced by its suburban setting, likely falling between higher and lower-risk areas.
  4. Sterling Heights: Similar to Warren, Sterling Heights’ suburban environment and moderate risk factors might lead to average auto insurance rates in comparison to larger urban centers.
  5. Ann Arbor: As a college town with a well-educated population and lower crime rates, Ann Arbor could experience comparatively lower auto insurance rates due to decreased risks.
  6. Lansing: Being the state capital, Lansing’s fluctuating traffic conditions and moderate crime rates could result in moderate auto insurance premiums.
  7. Flint: Known for higher crime rates, Flint’s auto insurance rates may trend higher due to increased risks of vandalism and theft.
  8. Dearborn: Home to major automotive industries, Dearborn’s traffic patterns might lead to slightly higher auto insurance rates compared to surrounding suburban areas.
  9. Livonia: With a mix of urban and suburban characteristics, Livonia’s auto insurance rates might fall within the average range for Michigan cities.
  10. Troy: Generally considered a low-crime area, Troy’s auto insurance rates may reflect lower risks compared to neighboring cities.
  11. Westland: Moderate traffic congestion and average crime rates in Westland may result in auto insurance premiums that align with statewide averages.
  12. Farmington Hills: This suburban city’s lower crime rates and less congested traffic might lead to relatively lower auto insurance rates.
  13. Kalamazoo: As a mid-sized city with diverse traffic patterns, Kalamazoo’s auto insurance rates might be influenced by its mix of urban and suburban features.
  14. Wyoming: Moderate traffic conditions and crime rates in Wyoming could translate to moderate auto insurance premiums.
  15. Rochester Hills: Characterized by lower crime rates and suburban settings, Rochester Hills might experience comparatively lower auto insurance rates.
  16. Southfield: Known for higher traffic density, Southfield’s auto insurance rates may reflect increased risks typical of urban areas.
  17. Taylor: Moderate traffic patterns and crime rates in Taylor might lead to auto insurance rates aligned with statewide averages.
  18. St. Clair Shores: Being a waterfront city, St. Clair Shores’ auto insurance rates may be influenced by its proximity to water and associated risks.
  19. Pontiac: Factors such as moderate traffic congestion and average crime rates could result in moderate auto insurance rates in Pontiac.
  20. Royal Oak: With lower crime rates and moderate traffic, Royal Oak’s auto insurance rates might be relatively lower compared to larger urban centers.
  21. Novi: A growing suburban area, Novi’s moderate traffic and crime rates may result in average auto insurance premiums.
  22. Saginaw: Known for economic fluctuations, Saginaw’s varying crime rates might influence auto insurance rates accordingly.
  23. Battle Creek: With moderate traffic and crime rates, Battle Creek could experience auto insurance premiums within statewide averages.
  24. East Lansing: Home to Michigan State University, East Lansing’s student population might affect auto insurance rates due to different driving behaviors.
  25. Midland: As an industrial city, Midland’s traffic patterns and industry-related risks might impact auto insurance rates.
  26. Bay City: Located on the water, Bay City’s proximity to water bodies could influence auto insurance rates due to potential flood risks.
  27. Jackson: Factors like moderate traffic congestion and crime rates in Jackson might affect auto insurance premiums.
  28. Holland: Known for tourism and festivals, Holland’s seasonal variations might impact auto insurance rates during peak tourist times.
  29. Portage: A mix of urban and suburban features, Portage’s traffic conditions might affect auto insurance rates compared to nearby cities.
  30. Muskegon: As a waterfront city, Muskegon’s proximity to Lake Michigan might influence auto insurance rates due to weather-related risks.
  31. Holt: A suburban area near Lansing, Holt’s proximity to the state capital might reflect similar auto insurance rates.
  32. Ypsilanti: Home to Eastern Michigan University, Ypsilanti’s student population might contribute to varying auto insurance rates.
  33. Dearborn Heights: Similar to Dearborn, Dearborn Heights’ automotive industry presence might influence auto insurance rates.
  34. Burton: Moderate traffic and crime rates in Burton might align its auto insurance rates with statewide averages.
  35. Adrian: Factors like traffic patterns and crime rates in Adrian might impact auto insurance rates for residents.
  36. Marquette: Located in the Upper Peninsula, Marquette’s remote setting might influence unique auto insurance rates due to distance from major urban centers.
  37. Traverse City: Known for tourism and outdoor activities, Traverse City’s seasonal variations could impact auto insurance rates.
  38. Eastpointe: Moderate traffic and crime rates in Eastpointe might affect auto insurance premiums in line with statewide averages.
  39. Allen Park: With a mix of urban and suburban features, Allen Park’s auto insurance rates might reflect its location between larger cities.
  40. Owosso: A mid-sized city with moderate traffic, Owosso’s auto insurance rates might align with similar-sized Michigan cities.
  41. Birmingham: As a high-income area, Birmingham might have higher auto insurance rates due to more expensive vehicles and increased liability risks.
  42. Grosse Pointe: Known for its affluence, Grosse Pointe’s high-value homes and vehicles could impact auto insurance rates accordingly.
  43. Romulus: Home to the Detroit Metro Airport, Romulus might experience slightly higher rates due to airport-related traffic and activity.
  44. Hamtramck: A small, densely populated city, Hamtramck’s higher density might affect auto insurance rates due to increased accident likelihood.
  45. Wyandotte: A mix of residential and industrial areas, Wyandotte’s diverse landscape might lead to moderate auto insurance rates.
  46. Oak Park: With moderate traffic but lower crime rates, Oak Park might have auto insurance rates aligning with statewide averages.
  47. Dearborn: With a significant Arab-American population and a strong automotive industry presence, Dearborn might have varying auto insurance rates.
  48. Farmington Hills: A suburban area, Farmington Hills’ lower crime rates might result in average or slightly lower auto insurance rates.
  49. Royal Oak: Known for its nightlife and entertainment, Royal Oak’s bustling activity might influence auto insurance rates accordingly.
  50. Southfield: As a major business center, Southfield’s higher economic activity might result in slightly higher auto insurance rates.

Why Would I Need An SR22?

An SR-22 is a certificate proving you have the required liability coverage, often mandated after serious driving offenses. Reasons for needing one include DUI convictions, multiple traffic violations, or driving without insurance.

DUI Conviction
Traffic Offenses
No Insurance
License Suspension
Accident Involvement
Reckless Driving

How to Get Insurance Quotes in Michigan

01.

Contact Us​

Start by reaching out to us, either online, by phone, or in person. Provide basic personal and vehicle information to initiate the quote process.

02.

Details

Provide more detailed information about your driving history, the vehicle you wish to insure, and any specific coverage needs or preferences you have

03.

Quote

We will process your information and present you with a customized insurance quote, outlining coverage options and prices tailored to your needs.

04.

Decision

Review the provided quote at your leisure. If you decide to proceed, you can finalize the policy, setting up payment and coverage start dates.

Get Free Insurance Quotes in Your State!
Insurance quotes in Alabama
Insurance quotes in Alaska
Insurance quotes in Arizona
Insurance quotes in Arkansas
Insurance quotes in California
Insurance quotes in Colorado
Insurance quotes in Florida
Insurance quotes in Georgia
Insurance quotes in Idaho
Insurance quotes in Indiana
Insurance quotes in Iowa
Insurance quotes in Kansas
Insurance quotes in Louisiana
Insurance quotes in Maine
Insurance quotes in Maryland
Insurance quotes in Michigan
Insurance quotes in Mississippi
Insurance quotes in Missouri
Insurance quotes in Montana
Insurance quotes in Nebraska
Insurance quotes in New Mexico
Insurance quotes in New York
Insurance quotes in North Carolina
Insurance quotes in Ohio
Insurance quotes in Oklahoma
Insurance quotes in Oregon
Insurance quotes in South Carolina
Insurance quotes in South Dakota
Insurance quotes in Tennessee
Insurance quotes in Texas
Insurance quotes in Utah
Insurance quotes in Vermont
Insurance quotes in Virginia
Insurance quotes in West Virginia

Frequently Asked Questions


Frequently Asked Questions about Insurance Quotes in Michigan

1. How can I get an insurance quote in Michigan?

Getting an insurance quote in Michigan is easy. You can fill out our online form, and we’ll provide you with a personalized quote. Alternatively, you can call us at 1.888.445.2793 to speak with one of our agents who will assist you in obtaining a quote tailored to your needs.

2. What types of insurance do you offer in Michigan?

We offer a wide range of insurance products in Michigan, including auto insurance, home insurance, motorcycle insurance, and business insurance. Our goal is to provide comprehensive coverage options to meet your specific insurance needs.

3. Are there any discounts available for insurance in Michigan?

Yes, we offer various discounts on insurance in Michigan. These discounts may include multi-policy discounts, good credit discounts, safe driver discounts, and more. To learn more about the available discounts and how you can save on your insurance premiums, please contact our team at 1.888.445.2793.

4. Who typically has the cheapest insurance in Michigan?

The cost of insurance premiums can vary among individuals and depend on factors such as driving history, coverage needs, and the insurance provider. It’s essential to compare quotes from different insurers and consider available discounts to find the most cost-effective insurance in Michigan tailored to your specific circumstances.

Here’s What Our Clients Say About Us​

Last Updated on by Camron Moss

Spread the love
Scroll to Top