Need auto(car) insurance in Michigan? Whether you live in Detroit or the UP, Liberty Mutual can help protect you. From liability protection to comprehensive coverage, we customize your Michigan auto insurance, so you only pay for what you need.
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.
Who has the cheapest car insurance in Michigan?
The big question. Keep in mind, getting the cheapest car insurance in MI may sound great, but that cheap rate can come at a cost when you need it most. You want auto insurance that’s affordable, but even more importantly — reliable, in case you have an accident.
A Liberty Mutual auto policy can cost less than you think1$617 lower than GEICO$659 lower than Allstate$642 lower than Nationwide
What car insurance is required in Michigan?
Here in the Wolverine State, it’s illegal to drive without insurance. This chart shows the minimum auto insurance drivers are required to have in Michigan6.
| Coverage | Amount |
|---|---|
| Bodily Injury Coverage | $20,000 per person and $40,000 per accident |
| Property Damage Coverage | $10,000 per accident |
| 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 |
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 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.