Farmington Hills Car Insurance

Everything You Need to Know About Car Insurance in Farmington Hills, MI

Farmington Hills, MI is an upscale suburb located just northwest of Detroit. This beautiful city was recognized by 24/7 Wall Street as #14 in "America's Best Cities." Today, Farmington Hills is listed as the 36th highest income city in the United States. With easy access to Ann Arbor and Detroit, the opportunities in the area are endless, but the traffic can get hectic. Before you get behind the wheel, make sure you're covered with reliable Farmington Hills car insurance. Choosing the best auto insurance is simple with help from our Independent Insurance Agents. Our friendly agents can guide you through your coverage options and help you find a custom policy that will meet your needs and protect you from common threats on the roadways. 

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

Michigan's high car insurance premiums can be a challenge, but finding affordable coverage is possible. Your rates are determined based on several factors like the make and model of your car, your age, and your recent driving record. Our Independent Insurance Agents can help you save money on car insurance by comparing multiple rate quotes and picking the coverage options you need most at a price you can afford. 

Michigan Car Insurance Requirements

  • Body injury liability: required
  • Property damage reliability: required
  • Personal injury protection (PIP): required 
  • Minimum liability limits: 20/40/10

Michigan state law requires every driver to carry a minimum of $20,000 in coverage for personal injury as well as $40,000 for bodily injury liability, and $10,000 for property damage. Many drivers find that these minimums just aren't sufficient to cover the total cost of accidents, so it's always a good idea to invest in as much auto coverage as you can reasonably afford. Talk with an Independent Insurance Agent today about how you can create a Farmington Hills car insurance policy that satisfies your state's requirements

Number of Uninsured Motorists in Michigan

  • Number of uninsured U.S. drivers: 12.6%
  • Number of uninsured Michigan drivers: 21.00%

Despite laws mandating Michigan drivers to have car insurance, many neglect to get adequate coverage. If you get hit by an uninsured driver, you'll have to pay for vehicle repairs out of pocket. If you get hurt, hospital bills can be a major financial burden. Uninsured motorist coverage is a smart option to cover these costs and give you peace of mind that you're protected if you get hit by a driver without insurance. 

Number of Auto Thefts in Michigan

  • National number of thefts for 1,000 vehicles: 2.94
  • Number of thefts for 1,000 vehicles in Michigan: 3.33

Farmington Hills has been consistently listed among America's safest cities, but nearby Detroit is another story altogether. Detroit's high crime rate can often spill over into the suburbs, and auto theft is a major concern, even in the safety of Farmington Hills. Make sure you keep your car doors locked at all times and never leave your car running unattended. If your car gets stolen, your auto insurance will step in to pay for a replacement so you can move on with life with minimal interruption. 

Find a Great Farmington Hills Car Insurance Policy

Our Independent Insurance Agents are available 24/7 to assist you with your search for the best car insurance in Farmington Hills. Whether you're shopping for minimum liability coverage or you're looking for a more comprehensive plan, our experienced agents can help. 

Contact an agent today to learn more about how you can find a reliable, affordable Farmington Hills car insurance policy. 

Share this page on Twitter Share this page on Facebook Share this page on LinkedIn