Michigan Car Insurance Car Insurance Quote in MN
The average auto insurance premium for residents in Michigan is $2,238 in 2009; the national average is $1,790.
Michigan Car Insurance
Michigan state law requires minimum Bodily Injury Liability limits of $20,000 per injured person up to a total of $40,000 per accident, and Property Damage Liability coverage with a minimum limit of $10,000. This basic coverage is often referred to as 20/40/10 coverage.
Michigan Insurance Coverage:
- Bodily Injury Liability: $20,000/$40,000 Limit
- Property Damage Liability: $10,000 Limit
- Property Protection Insurance: $1,000,000
- Personal Injury Protection - Medical
- Personal Injury Protection - Work Loss
The state of Michigan follows a No-Fault system meaning your insurance company will make payments for your injury claims regardless of fault, up to a specified limit. Typically, you lose some of your rights to sue under a No-Fault system. Details of a no-fault system vary from state to state.
Personal Injury Protection (PIP) helps pay for necessary medical costs if you are hurt in an auto accident. Michigan state law requires Personal Injury Protection coverage for Medical and Work Loss.
