Grosse Pointe Car Insurance

Everything You Need to Know About Car Insurance in Grosse Pointe, MI

Gross Pointe, MI is a great place to live, work and play along the shores of Lake St. Clair. The small town of 5,316 offers a beautiful waterfront, access to nearby Detroit and a friendly community. But things can get hectic in this suburban area. Rush hour traffic happens regularly as commuters fly by on Interstate 94, which is why you need proper protection. Grosse Pointe auto insurance should cover you against uninsured drivers, late-night break-ins and annoying fender benders. Luckily, our Independent Insurance Agents are able to compare a number of quotes with various carriers to find the policy that meets all of your needs.

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

You're required to have car insurance, but not at an outrageous price. While Michigan has the highest premiums in the country, your Grosse Pointe auto coverage should be affordable, comprehensive and personalized. An agent will take your car's age and model, as well as your claims and driving history, to find a policy that meets your needs. Let us guide you through the process and make getting insured easy.

Michigan Car Insurance Requirements

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

Did you know you're required to have minimum coverage of up to $20,000 for an individual injury in an accident, $40,000 for all injuries and $10,000 in property damage? These limits are a great baseline of coverage, but it's likely that an accident will set you back even further and force you to pay a significant amount out of pocket. Talk to one of our agents about why higher limits could help you and what amount of coverage makes sense for you. You deserve to have peace of mind when on the road.

Number of Uninsured Motorists in Michigan

  • Number of uninsured U.S. drivers: 12.6%
  • Number of uninsured Michigan drivers: 21%

The Great Lakes State has an overwhelming number of uninsured or underinsured drivers. Protect yourself, your family, your vehicle and your savings with the proper coverage. If you have an accident with a careless driver, compensation for medical bills or property damage can be nearly impossible to collect. That's where this coverage and an agent can help get you the money and support you need.

Number of Auto Thefts in Michigan

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

Grosse Pointe is considered a safe community, but burglaries and auto thefts can happen without warning. You can certainly take precautionary measures like parking under street lamps or hiding personal property in the trunk, but the only way to be fully protected is with the right auto insurance. Let an insurance agent know about your concerns, and we will ensure your policy includes compensation for broken windows and stolen laptops.

Find a Great Grosse Pointe Car Insurance Policy

Auto insurance doesn't have to be complicated with an Independent Insurance Agent. Our agents are extremely knowledgeable about the risks you face as a Michigan driver and want to help you find the best coverage out there. Whether you just purchased a new car or have been on the same policy for five years, we will walk you through the process and get you set up with comprehensive Grosse Pointe car insurance.

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