michigan liability insurance

By Veronica Moss | Licensed Agent at Learnandserve.org | Powered by A Plus Insurance

Why Have Liability only Car Insurance?

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.

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 for 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

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

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

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 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

Type of CoverageLiabilityFull Coverage

Additional Helpful LInks

SR22 Insurance Michigan

Michigan Full Coverage Insurance

Motorcycle Insurance Michigan

Michigan DMV

Last Updated on February 10, 2023 by Alexandra Vileikis