Adrian Car Insurance

Everything You Need to Know About Car Insurance in Adrian, MI

The small city of Adrian, MI does not see as much traffic as many larger cities might, but some roads such as Main Street and Maumee Street do see their fair share of cars. Of course, accidents can happen anywhere, so whether you are taking a road trip to Cleveland to see a concert or you are passing a slow vehicle on Route 223 on the way to the grocery store, you will want to be sure that you are backed by a suitable Adrian auto insurance policy.

Finding a great policy at an affordable price is easy when you work with an independent insurance agent in our network. These agents can quickly provide you with a selection of competitively priced Adrian car insurance quotes from a number of reputable insurers. They can also explain your coverage options and provide you with answers to your insurance-related questions. Find an agent in or near Adrian to learn more.

  • National average cost per year: $1,311
  • Michigan average cost per year: $2,476
  • #1 most expensive auto premium in the U.S.

Auto insurance rates in Michigan are the highest in the country. However, the average rate listed above can only give you a general idea of what you might expect to pay. Your actual price is likely to be quite different because rates are calculated based on several different variables. When determining the cost of your Adrian car insurance premiums, insurance companies consider the following:

  • The make, model, year and safety features of the vehicle(s) you wish to insure, information which is provided through the vehicle identification number (VIN)
  • The age, sex, marital status and driving record of each driver on your policy
  • Your ZIP code, i.e., where you live and park your car
  • The approximate number of miles you drive each month
  • The amount of liability coverage you wish to purchase
  • The policy options you wish to include
  • The deductible you are requesting

Every insurance company has its own proprietary way of assessing risk and assigning rates. Comparison shopping puts you at an advantage by allowing you to choose the policy that offers the best value for your money.

Michigan Car Insurance Requirements

  • Bodily injury liability: required
  • Property damage liability: required
  • Personal injury protection (PIP): required
  • Uninsured motorist coverage: not required
  • Minimum liability limits: 20/40/10: Coverage up to $40,000 for all persons injured in an accident, subject to a limit of $20,000 per individual, and $10,000 coverage for property damage

Failure to carry auto insurance that meets or exceeds Michigan’s minimum coverage requirements is a prosecutable misdemeanor. If you are caught, you can face fines up to $500, suspension of your license for up to 30 days and even incarceration. While these minimum coverage amounts may be sufficient to cover you if you are responsible for a fender bender or other typical accident, accidents that are more serious and involve significant injuries can easily exceed what a minimum-coverage policy will pay. You would then need to make up the difference. In order to protect your assets, such as your home and savings, it is generally a good idea to buy coverage with much higher limits.

Number of Uninsured Motorists in Michigan

  • Number of uninsured U.S. drivers: 12.6%
  • Number of uninsured Michigan drivers: 21.0%

Despite Michigan’s penalties for driving without insurance, roughly one in five drivers on this state’s roadways does not have coverage. If an uninsured or hit-and-run driver is responsible for an accident that causes you injuries or property damage, you may find it extremely difficult, if not impossible, to collect reimbursement. Unless, that is, your Adrian auto insurance policy includes uninsured motorist coverage. If you have this coverage, your insurance company covers your damage and then attempts to recover the funds from the offending driver on its own behalf.

Number of Auto Thefts in Michigan

  • National number of thefts per 1,000 vehicles: 2.94
  • Michigan number of thefts per 1,000 vehicles: 3.33

The rate of car theft in the state of Michigan is higher than the national average; but in Adrian, the rate is much lower. In recent years, there were only 20 auto thefts reported in this city. That equates to about 0.95 thefts per every 1,000 vehicles – one-third the national average. In the event that your car is stolen or damaged by vandals, you can only receive compensation from your insurance company if your Adrian car insurance policy includes comprehensive (“other than collision”) insurance. This insurance also covers damage caused by other nondriving mishaps, such as falling objects, floods, and noncollision fires.

Find the Best Adrian Car Insurance Policy

If you are looking for an affordable Adrian auto insurance policy that will provide you with all the coverage you and your family need, it is to your benefit to work with an independent agent in our network. These agents are able to work with several different insurance companies, so they can gather you a variety of suitable policies that you can compare. There are several agents located throughout the state of Michigan, and some have offices in and near the city of Adrian. 

Find an agent near you to learn more about your coverage options, and discover how easy it is to save money on your premiums by comparing Adrian car insurance quotes.

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