Hillsdale Car Insurance

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

Hillsdale, MI is a growing city that serves as the county seat for Hillsdale County. This charming community offers a downtown straight out of the Victorian era and offers some of the state’s best antique shopping. Hillsdale is also home to “The Most Popular Fair on Earth.” With all Hillsdale has to offer, local residents can expect heavy traffic and busy roads. Before you get behind the wheel, make sure you have a reliable Hillsdale car insurance policy in place. Our Independent Insurance Agents can walk you through all of your options for car insurance while helping you find the most affordable rates for your vehicle.

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

Michigan residents can expect to pay more than the national average for car insurance premiums. However, our agents can still find ways to save on your car insurance. They specialize in helping Michigan drivers find budget-friendly auto insurance options that still cover all the important areas like liability, personal injury, and theft. Your customized premium is based on the type of car you drive, your driving record and your driving experience (i.e., how long you’ve been behind the wheel.)

Michigan Car Insurance Requirements

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

Michigan drivers are required to have car insurance before getting behind the wheel. Minimum coverage limits are $20,000 for individual injuries, $40,000 for total injuries in an accident and $10,000 for any resulting property damage. The state-mandated minimums are in place to insure each driver has enough coverage for the most basic accident. Keep in mind that the cost of a collision could exceed your minimum. Purchasing additional coverage is always an option and could save you thousands down the road.

Number of Uninsured Motorists in Michigan

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

Michigan has a huge problem with uninsured drivers. With one out of five drivers on the road without insurance, you can’t afford to ignore the risks. Our agents can help you add uninsured motorist coverage to your Hillsdale auto insurance plan, giving you maximum coverage in case you get into an accident with an uninsured, at-fault driver.

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

The number of thefts in the state of Michigan is higher than the national average. The trauma of having your car stolen is bad enough, but then think about how it would affect your daily life. It would be impossible to get to work or school with no car. Choose an auto insurance policy that includes coverage for car theft so that you have peace of mind that you’re always covered even if your car does get stolen.

Find a Great Hillsdale Car Insurance Policy

Hillsdale drivers can’t afford to cut corners when choosing an auto insurance policy. The process of choosing a car insurance plan can be confusing and time-consuming. Our Independent Insurance Agents specialize in helping Hillsdale drivers find the best coverage options at the most affordable prices. Our agents will provide you with quotes on multiple policies, and help you compare the cost and benefits and choose a policy that will best protect you against Hillsdale’s biggest roadway threats. 

Contact an agent today to get a free customized quote on Hillsdale auto insurance.

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