By Veronica Moss | Licensed Agent at Learnandserve.org | Powered by A Plus Insurance
- Michigan Liability Insurance
- Is Michigan a no-fault car insurance state?
- Why Chose Liability-Only Car Insurance in Michigan?
- Cost for Liability only Insurance in Michigan (by city)
- Understanding Michigan Liability Insurance Laws and Regulations
- Should I upgrade to full coverage Insurance in Michigan (by city)
- Michigan liability insurance Rating Factors
- Cheapest Michigan Liability Insurance with Good Credit
- Cheapest Liability Insurance in Michigan with Bundling Discounts
- Best Michigan Liability Insurance Rates for Male Drivers
- Who has the lowest liability Insurance price in Michigan (by city)
- Best Michigan Liability Insurance Rates with SR22
- Does SR22 Insurance Cost a Lot?
- Least Expensive Michigan Liability Insurance with DUIs, Accidents, and Violations
- What You Might Pay for Michigan Liability Insurance
- Insurance Cost Estimator
- INSURANCE SERVICES WE OFFER
- Additional Helpful LInks
- Frequently Asked Questions about Michigan Liability Insurance
- Edit Article Information
Is Michigan a no-fault car insurance state?
Michigan is indeed a no-fault car insurance state, meaning that regardless of who is at fault in an accident, each party’s insurance provider is responsible for covering their own medical expenses and other financial losses. This system aims to expedite the claims process and reduce litigation by ensuring prompt reimbursement for medical bills and lost wages. However, Michigan’s no-fault system also requires drivers to carry Personal Injury Protection (PIP) coverage, which can contribute to higher insurance premiums compared to states with traditional fault-based systems. Additionally, Michigan’s no-fault laws provide unlimited lifetime medical benefits for accident-related injuries, offering extensive coverage but potentially increasing insurance costs further. Understanding these regulations is essential for Michigan drivers to navigate their insurance options effectively and ensure adequate coverage for their needs.
Why Chose Liability-Only Car Insurance in Michigan?
Liability-only car insurance means you are paying for only the bare minimum necessary to cover another person’s property damage and personal property if YOU are at fault. Many people will consider only the minimum coverage if paying for full coverage is too expensive.
Cost for Liability only Insurance in Michigan (by city)
| City | Price |
| Sterling Heights | $95.00 |
| Battle Creek | $105.00 |
| Southfield city | $95.00 |
| Ann Arbor city | $100.00 |
| Brownstown | $110.00 |
| Madison Heights | $104.00 |
| Allen Park | $99.00 |
| Portage city | $91.00 |
| Livonia | $110.00 |
| Westland | $109.00 |
| Waterford | $94.00 |
| Delta | $102.00 |
| Lansing city | $102.00 |
| Warren city | $104.00 |
| Kentwood | $92.00 |
| Troy city | $87.00 |
| Southgate | $99.00 |
| Wyoming | $92.00 |
| Canton | $99.00 |
| Detroit | $86.00 |
| Garden City | $95.00 |
| Chesterfield | $96.00 |
| Grand Blanc | $88.00 |
| Novi city | $97.00 |
| Grand Rapids city | $106.00 |
| Jackson | $97.00 |
| Northville | $93.00 |
| Rochester Hills | $88.00 |
| West Bloomfield | $91.00 |
| Flint city | $108.00 |
| Shelby | $91.00 |
| Oak Park | $98.00 |
| Georgetown | $86.00 |
| Kalamazoo city | $87.00 |
| Macomb | $97.00 |
| Plymouth | $92.00 |
| Bedford township | $106.00 |
| Washington township | $110.00 |
| St. Clair Shores | $109.00 |
| Muskegon city | $102.00 |
| Pittsfield | $108.00 |
| Lincoln Park | $92.00 |
| Dearborn Heights | $98.00 |
| Clinton charter township | $95.00 |
| Saginaw city | $89.00 |
| Gaines charter township | $98.00 |
| Van Buren | $95.00 |
| White Lake | $87.00 |
| Commerce | $98.00 |
| Saginaw | $110.00 |
| Allendale | $104.00 |
| Eastpointe | $107.00 |
| Dearborn | $99.00 |
| Roseville | $97.00 |
| East Lansing | $98.00 |
| Redford | $104.00 |
| Flint | $108.00 |
| Ypsilanti | $97.00 |
| Meridian | $100.00 |
| Plainfield charter township | $86.00 |
| Bloomfield charter township | $97.00 |
| Pontiac | $105.00 |
| Delhi | $94.00 |
| Royal Oak city | $90.00 |
| Burton | $108.00 |
| Independence | $95.00 |
| Orion | $106.00 |
| Taylor | $92.00 |
Understanding Michigan Liability Insurance Laws and Regulations
Before purchasing any type of insurance, you must make sure you are in compliance with the state laws. Even if this makes your insurance more costly than you would like, the costs of penalties and fines are even worse.
Michigan Insurance Laws and Regulations mandate that all drivers must purchase Personal Injury Protection of at least $250,000 ($50,000 for Medicaid recipients), as it is considered a “no-fault” state for car insurance.
This means that each person’s insurance will pay for their own medical expenses and other items like lost wages with their own insurance, regardless of who was at fault. They must also have the minimum liability limits of:
$50,000 coverage for bodily injury per person
$100,000 coverage for bodily injury per accident
$10,000 coverage for property damage
Should I upgrade to full coverage Insurance in Michigan (by city)
| City | Price |
| Canton | $157 |
| Wyoming | $177 |
| Farmington Hills | $155 |
| Grand Blanc | $171 |
| Northville | $167 |
| Lansing city | $154 |
| Plainfield charter township | $155 |
| Georgetown | $166 |
| Saginaw | $170 |
| Southgate | $169 |
| Madison Heights | $175 |
| Delta | $166 |
| Commerce | $174 |
| Muskegon city | $175 |
| Pontiac | $151 |
| Van Buren | $181 |
| Ypsilanti | $161 |
| Flint city | $170 |
| Clinton charter township | $154 |
| Chesterfield | $169 |
| Brownstown | $161 |
| White Lake | $178 |
| Royal Oak city | $158 |
| Portage city | $164 |
| Bay City | $168 |
| Midland city | $182 |
| Dearborn | $155 |
| Bedford township | $177 |
| Flint | $177 |
| St. Clair Shores | $153 |
| Garden City | $162 |
| Allen Park | $176 |
| Southfield city | $182 |
| Mount Pleasant | $155 |
| Roseville | $161 |
| Washington township | $182 |
| Eastpointe | $181 |
| Allendale | $156 |
| Saginaw city | $159 |
| Ann Arbor city | $154 |
| Bloomfield charter township | $172 |
| Plymouth | $181 |
| Lincoln Park | $149 |
| Westland | $154 |
| Sterling Heights | $153 |
| Waterford | $173 |
| Shelby | $163 |
| Port Huron city | $174 |
| Grand Rapids city | $168 |
| Dearborn Heights | $182 |
| Meridian | $176 |
| Redford | $164 |
| Oak Park | $165 |
| Livonia | $174 |
| East Lansing | $161 |
| Battle Creek | $151 |
Michigan liability insurance Rating Factors
If you heard that your neighbor John Doe just purchased insurance and only pays monthly payments of $35…chances are that will not be the same with you. Insurance premiums are based on various rating factors which cause rates to be much different from person to person. Take a look at some potential rating factors that might affect your Michigan liability insurance:
| Auto Insurance Rating Factor | Rate Impact |
|---|---|
| Major Violations (DUI, DWI, etc) | High |
| Vehicle Performance (Symbol) | Medium |
| Vehicle Safety Features | Medium |
| Profession | Low |
| Gender | Medium |
| Age | High |
| Location | Medium |
| Marital Status | Medium |
| Vehicle Make and Model | Medium |
| Color of Car | None |
Cheapest Michigan Liability Insurance with Good Credit
Credit is an extremely important rating factor when an insurance company determines your rates.
When an agent writes you an insurance policy, they must first do a soft credit pull to determine your credit history. If your credit score is above 670, it’s considered a good score, and anything above 740 is even better.
When your credit score is good, your rates will be MUCH lower than someone who has a poor credit history.
Take a look at some sample rates when your credit is good vs. when you have bad credit:
| Auto Insurance Company | Average Monthly Rate with Good Credit | Average Monthly Rate with Bad Credit |
|---|---|---|
| National General | $128 | $193 |
| Dairyland | $134 | $152 |
| Geico | $139 | $194 |
| The General | $141 | $178 |
| GAINSCO | $142 | $171 |
| Mendota Ins. Company | $145 | $189 |
| AssuranceAmerica | $148 | $159 |
| Acceptance RTR | $149 | $156 |
| 21st Century | $150 | $153 |
| Nationwide | $154 | $185 |
| Bristol West | $159 | $183 |
| American Family | $166 | $190 |
| Progressive Insurance | $169 | $199 |
Cheapest Liability Insurance in Michigan with Bundling Discounts
Whether you rent or own your home, you most likely need renters insurance or homeowners insurance.
If you have either of these two products, consider making sure they are bundled with your Michigan liability insurance, as bundle discounts are another great way to save you on your monthly costs.
| Auto Insurance Company | Average Monthly Cost of Home and Auto |
|---|---|
| Geico | $129 |
| Dairyland | $135 |
| Progressive Insurance | $136 |
| The General | $137 |
| Acceptance RTR | $138 |
| AssuranceAmerica | $139 |
| GAINSCO | $139 |
| Mendota Ins. Company | $142 |
| Nationwide | $144 |
| National General | $152 |
| Liberty Mutual | $160 |
| 21st Century | $164 |
| Bristol West | $166 |
| American Family | $169 |
Best Michigan Liability Insurance Rates for Male Drivers
Male drivers, especially young male drivers can usually expect to pay more on auto insurance than female drivers.
While this can be distressing to those male drivers out there, when you purchase Michigan liability insurance only, as opposed to full coverage, this could be a great way to pay less on your monthly installments.
| Auto Insurance Company | Avg Liability Only for Male Drivers |
|---|---|
| Acceptance RTR | $155 |
| Dairyland | $156 |
| Progressive Insurance | $161 |
| The General | $164 |
| GAINSCO | $167 |
| Geico | $170 |
| Bristol West | $171 |
| Mendota Ins. Company | $179 |
| National General | $181 |
| 21st Century | $184 |
| AssuranceAmerica | $186 |
| Safeco | $189 |
| Nationwide | $192 |
| State Farm | $196 |
| Allstate | $203 |
Who has the lowest liability Insurance price in Michigan (by city)
| City | Price |
| White Lake | Farmers |
| Grand Blanc | Progressive |
| East Lansing | Liberty Mutual |
| Allendale | Geico |
| Midland city | Progressive |
| Lincoln Park | Progressive |
| Clinton charter township | The General |
| Brownstown | The General |
| Kentwood | Farmers |
| Waterford | The General |
| Rochester Hills | Progressive |
| Novi city | Dairyland* |
| Port Huron city | Progressive |
| Southfield city | National General |
| Jackson | Progressive |
| Detroit | National General |
| Muskegon city | Progressive |
| Garden City | Progressive |
| Plymouth | The General |
| Holland charter township | The General |
| Meridian | The General |
| Battle Creek | Progressive |
| Bay City | Progressive |
| Flint | Liberty Mutual |
| Saginaw | Geico |
| Warren city | Progressive |
| St. Clair Shores | Dairyland* |
| Orion | Liberty Mutual |
| Lansing city | The General |
| Portage city | Progressive |
| Burton | Geico |
| Allen Park | The General |
| Kalamazoo city | Geico |
| Delta | National General |
| Eastpointe | Geico |
| Gaines charter township | Dairyland* |
| Livonia | The General |
| West Bloomfield | National General |
| Delhi | Progressive |
| Independence | Progressive |
| Shelby | Geico |
| Commerce | Dairyland* |
| Georgetown | Liberty Mutual |
| Farmington Hills | Geico |
| Chesterfield | Geico |
| Ann Arbor city | Geico |
| Westland | The General |
| Plainfield charter township | Progressive |
| Sterling Heights | Liberty Mutual |
| Madison Heights | Liberty Mutual |
| Southgate | The General |
| Royal Oak city | Progressive |
| Dearborn Heights | Dairyland* |
| Taylor | Geico |
| Northville | Progressive |
| Flint city | Farmers |
| Bedford township | Progressive |
| Bloomfield charter township | Progressive |
| Van Buren | Liberty Mutual |
| Holland city | Progressive |
| Roseville | Geico |
| Troy city | Geico |
| Dearborn | Farmers |
Best Michigan Liability Insurance Rates with SR22
Does SR22 Insurance Cost a Lot?
People often panic when they find out they must carry an SR22. However, the monthly rates might not be as bad as you fear. Take a look at some liability-only rates we have found drivers in need of an SR22.
Just make sure you are following all Michigan insurance laws and regulations.
| Auto Insurance Company | Avg Liability Only with SR22 Cost |
|---|---|
| Mendota Ins. Company | $90 |
| Geico | $92 |
| USAA | $101 |
| Dairyland | $106 |
| The General | $107 |
| National General | $109 |
| GAINSCO | $111 |
| Progressive Insurance | $113 |
| Safeco | $115 |
| Acceptance RTR | $117 |
| AssuranceAmerica | $117 |
| American Family | $121 |
| State Farm | $122 |
| Travelers | $125 |
Least Expensive Michigan Liability Insurance with DUIs, Accidents, and Violations
As mentioned above, an SR22 policy with liability insurance in Michigan might not be as costly as one thinks.
However, if you have multiple violations, points, at-fault accidents, etc…your insurance premiums will skyrocket. There is nothing the insurance agent can do to change your record. But over time, the violations will fall off, and your policy rates will decrease.
The following figures are some of the rates you can HOPE to get the best-case scenario if you have a bad driving history. The best way to get these rates is by asking your agent about liability-only insurance. Otherwise, your monthly rates could even be in the thousands.
| Insurance Company | Low End of Avg. Monthly Rates |
|---|---|
| Dairyland | $147 |
| Geico | $155 |
| Bristol West | $156 |
| Nationwide | $162 |
| National General | $170 |
| Acceptance RTR | $172 |
| GAINSCO | $175 |
| AssuranceAmerica | $178 |
| Mendota Ins. Company | $188 |
| Progressive Insurance | $189 |
| 21st Century | $190 |
| The General | $190 |
| Farmers | $194 |
| State Farm | $198 |
What You Might Pay for Michigan Liability Insurance
Insurance Cost Estimator
INSURANCE SERVICES WE OFFER
Auto Insurance
Don’t give up…we can help you find affordable rates, need an SR-22? We got you!
Homeowners Insurance
Homeowners, renters, and mobile home owners: make sure you have the protection you need!
Other Insurance Types
Motorcycles, RVs, ATVs, life insurance, you name it…we can help!
Additional Helpful LInks
| Additional Michigan Insurance |
|---|
| SR22 Insurance Michigan |
| Insurance Michigan |
| Michigan Full Coverage Insurance |
| Motorcycle Insurance Michigan |
| Michigan DMV |
Frequently Asked Questions about Michigan Liability Insurance
Q1: What is liability insurance, and why is it important in Michigan?
Liability insurance in Michigan provides coverage for damages you are legally responsible for in an accident. It’s essential because it helps protect you from financial liability, especially in no-fault insurance states like Michigan.
Q2: What are the minimum liability insurance requirements in Michigan?
In Michigan, the minimum liability insurance requirements typically include coverage for bodily injury liability of $50,000 per person and $100,000 per accident, as well as property damage liability of $10,000. However, it’s important to check with your insurance provider for the most up-to-date information.
Q3: Need assistance with your liability insurance in Michigan? Call us!
For personalized assistance with your liability insurance needs in Michigan or to discuss your specific requirements, please call us at 1.888.445.2793. Our team is here to help you with your liability insurance questions and provide tailored advice.
Edit Article Information
Here you can edit the information about Michigan Liability Insurance.
- Michigan Liability Insurance provides financial protection in case of accidents or injuries for Michigan residents.
- It is a legal requirement for all Michigan drivers to have liability insurance.
- Minimum liability coverage includes Bodily Injury and Property Damage.
- For more information or to get a quote, call us at 1.888.445.2793.