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Michigan residents pay the highest auto insurance rates in the country. That makes it especially important that you seek out the best possible rates. Independent insurance agents can help you find the lowest rates on the coverage you need.
The average cost for car insurance nationwide is $1,311. In Michigan, residents pay an average of $2,476 per year. You'll get the best rates if you compare quotes from multiple companies before you choose a policy.
Michigan's roads can be dangerous, especially during the icy winters. Accidents can happen in the blink of an eye, but here are some ways your car insurance will help...
Like most states, Michigan requires all drivers to have a certain amount of insurance in case of accidents. These limits are designed to make sure drivers are prepared to pay for their own damages and medical bills if they are in an accident on Michigan's busy roads.
Michigan is a no-fault insurance state, so each driver's insurance must cover their own damages following a collision, regardless of fault.
Despite laws that require insurance in Michigan, sometimes people drive without any coverage. With no backup plan in place, they are unable to pay for the damage if they cause an accident.
With more than one-fifth of drivers uninsured, you're always at risk when driving in Michigan. Uninsured motorist coverage can give you peace of mind. This policy option will cover vehicle repairs and medical expenses if you are hit by a driver who doesn't have insurance.
The best insurance company for one person might not be the best choice for another. Independent insurance agents compare coverage and prices from a variety of highly rated insurance companies to find the policy that is best for you.
National average time spent commuting 25.4 Min
National average car thefts per 1,000 2.94 Year
National average car insurance cost $1318 Year
|City||Commute time (min)||Auto thefts / 1,000||Annual insurance cost|
|St. Clair Shores||26.5||1.07||$2,468|