Auto insurance is a contract between you and the insurance company that protects you against financial loss in the event of an accident or theft. Below are all findings of Auto Insurance Michigan: The Detroit Windsor Tunnel finished in 1930, stretches for nearly a mile, and handles up to 29,000 vehicles every day. Cars are, of course, important to Michigan, and Detroit—the Motor City—is the car capital of the world.
Car Insurance in Michigan
The Detroit Windsor Tunnel finished in 1930, stretches for nearly a mile, and handles up to 29,000 vehicles every day. Cars are, of course, important to Michigan, and Detroit—the Motor City—is the car capital of the world. Outside of Motown, there are wonderful roads that will take you through places like Grand Rapids, Ann Arbor, Lansing, Flint, Kalamazoo, Troy, and Warren, tucked between the Great Lakes. In fact, nowhere in Michigan is further than 85 miles from water. But no matter where you go, be sure your vehicles are covered by the right auto insurance for the state of Michigan. Get a Michigan car insurance quote with GEICO.
Prepare your vehicle for winter driving in Michigan.
Due to its location around Lake Michigan, Michigan winters bring a lot of snow. It’s important to be sure you drive carefully during inclement weather. Your car should be prepared and properly winterized and contain the essential items to keep you safe. Tire chains and studded tires are legal in Michigan, but carry certain restrictions that may be hard for the average driver to meet. Your best bet is to equip your car with a good set of winter tires.
Michigan Car Insurance Coverage
The minimum requirements for car insurance in Michigan are:
- Bodily injury liability coverage: $20,000 per person and $40,000 per accident
- Property damage liability coverage: $10,000
- Uninsured motorist bodily injury coverage: $20,000 per person and $40,000 per accident*
- Property protection: $1 million
- Personal injury protection: Unlimited with a $0, $300 or $500 deductible
*These coverages can be rejected in writing.
Michigan Car Insurance Discount
Michigan drivers should have auto insurance that delivers exceptional service along with great value. GEICO offers a variety of Michigan car insurance discounts. Discounts on auto insurance available in the state of Michigan include:
- New Vehicle Discount
- Good Student Discount
- Good Drive Discount
- Multi-Policy Discounts
Planning to travel to Canada?
Driving between Michigan and Canada is allowed through four border crossings. If you plan to cross the border, you’ll need a U.S. Passport, U.S. Passport Card, or an Enhanced Driver’s License (EDL). EDLs cost $45, and can be obtained directly from the Michigan Secretary of State’s office. An EDL will allow you to cross the border without needing a passport. Be sure you also have your insurance ID card with you. Your GEICO insurance ID cards will be sufficient proof of insurance in Canada.
Teen Drivers in Michigan
Michigan teens looking to get their driver’s licenses should become familiar with Michigan’s teen driving laws. Teen drivers who have completed the first segment of driver’s education can get a Level 1 Learner’s License at age 14 years, 9 months. After driving for six months with at least 50 supervised hours (10 of which at night), teens can get a Level 2 Intermediate License if they are 16 years old. When on a Michigan Level 2 license, the driver cannot drive between 10:00 PM and 5 AM and with no more than one passenger younger than 21 (except family members). All restrictions are lifted at age 17 when the Level 2 Intermediate License turns into a Level 3 Full License for qualified drivers.
Michigan Driving Resources
Michigan Registration Information
New Michigan residents must immediately title and register their vehicles at a Secretary of State branch office and turn in the title from their previous home state.
If your out-of-state title is being held by a lienholder or leasing company, you may take your previous state registration (it can be recently expired) or proof of your out-of-state title to any Secretary of State branch office along with proof of Michigan no-fault insurance for the vehicle. Michigan will issue a registration only for the vehicle. This will allow Michigan to issue a license plate without converting the out-of-state title to a Michigan title.
Award-Winning Customer Satisfaction
GEICO was awarded “Highest Customer Satisfaction Among Auto Insurers in The Northwest and North Central Regions” by J.D. Power.
Michigan car insurance discounts
Find out which discounts can be applied to your policy by applying online for a quote or speaking with your local agent. Nationwide offers a range of car insurance discounts that can help lower your monthly premium, you may be eligible for these exclusive discounts below:
Multi-policy
When you have Nationwide as your insurance provider you can bundle your car insurance policy with home, renters, boat, and multi-car. By protecting your property with Nationwide, you can save money and simply your life.
SmartRide® program
SmartRide rewards safe driving. Get an instant discount when you sign up. The safer you drive, the higher the discount you could earn.2
Good student
Nationwide offers a student discount for drivers age 16 to 24 who maintain a B average or better and are full-time students.
Defensive driving
This discount applies to drivers age 55+ who have completed and passed a state-approved defensive driving safety course.
Anti-theft
If you have an anti-theft device installed in your car you may be eligible for a discount. Savings vary based on the type of device installed. Proof of installed device may be required.
Safe driver
It is important to maintain a clean driving record. If you have at least 5 years of safe driving, you could be eligible for safe driver discount.
Easy Pay sign-up
Get a one-time discount for setting up monthly recurring bill pay from your checking or savings account.
Accident free
When you maintain an accident-free driving record you could earn up to 10% reduction in your monthly premium.