With only about 10,000 residents, Howell, MI does not experience heavy roadway congestion to the degree that larger neighboring cities like Detroit and Lancing might; but some area roads, such as Grand River Avenue, Pinckney Road, Highland Road and, of course, Interstate 96, do see their fair share of traffic each day. Any time you share the roads with a lot of other drivers, you are at an increased risk of being in a motor vehicle accident. Fortunately, a suitable Howell auto insurance policy can protect your finances in the wake of a collision.
Car insurance is required of vehicle owners in Michigan, and comparison shopping enables you to get your coverage at a great rate. Independent insurance agents in our network make finding the best policy easy. They can obtain and help you review a selection of affordable Howell car insurance quotes for policies that have been customized to fit your coverage needs. Find an agent near you to learn more, and you can soon start comparing policies from a variety of reputable insurers.
- National average cost per year: $1,311
- Michigan average cost per year: $2,476
- #1 most expensive auto premium in U.S.
Those looking to buy a Howell car insurance policy may be discouraged to learn that the average cost of car insurance in Michigan greatly exceeds the national average. In fact, residents in this state pay the highest rates in the country. Of course, your actual rates will be a bit different from the average rate shown above because individual costs are calculated according to several different factors. These include but are not limited to such things as the following:
- Your ZIP code, i.e., where you live
- Where you park your car (street, driveway, carport, garage, etc.)
- The make, model and year of the vehicle(s) you are insuring
- The approximate number of miles you drive each year
- Your claims history and credit score
- The amount of coverage you wish to purchase
- The deductible amount you are requesting
- The age, sex, marital status and driving records of all licensed drivers in your household who will be included on your policy
- Your eligibility for any policy discounts (bundled coverage, electronic payments, good-student, etc.)
Because so many different factors are used to calculate your Howell auto insurance rates and because each insurance company has a different method of assessing risk, you are likely to get a different quote from every insurer that you contact. That is why comparison shopping makes it possible for you to get your coverage at the best price.
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
In Michigan, if you are caught driving without insurance that meets or exceeds the state-mandated minimums, you can be charged with a misdemeanor. Penalties for this illegal act include a fine of up to $500, the suspension of your driver’s license for 30 days or until you provide proof of insurance coverage and the possibility of facing up to one year in jail. Additionally, if you are responsible for an accident while driving without insurance, you can be sued and held financially responsible for third-party damage and injuries.
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Number of Uninsured Motorists in Michigan
- Number of uninsured U.S. drivers: 12.6%
- Number of uninsured Michigan drivers: 21.0%
Despite the penalties, driving without insurance is a serious problem in the state of Michigan. Approximately one in five motorists on this state’s roadways are driving without coverage. This crime puts you at risk because if an uninsured driver is responsible for a collision with your vehicle, that person is required to cover your property damage and any necessary medical treatment. Unfortunately, reimbursement can be extremely difficult, if not impossible, to collect — particularly if the responsible driver has no assets for you to go after.
The good news is that when you include uninsured motorist coverage with your Howell auto insurance policy, your insurance company covers your costs upfront and then goes after the uninsured driver on its own behalf. This optional insurance also covers damage and injuries that result from collisions with hit-and-run drivers.
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 Michigan is higher than the national average, but the risk is very low in the low-crime city of Howell. In recent years, there were only three car thefts reported in this city. That equates to about 0.31 thefts per every 1,000 vehicles — well below the national average. These low rates of car theft can have a positive influence on your insurance rates.
When your Howell car insurance policy includes comprehensive, or “other than collision,” insurance, you get compensation if your vehicle is stolen. This optional coverage also compensates you if your car is damaged by other noncollision catastrophes, such as falling objects, fires, floods or vandalism.
Find the Best Howell Car Insurance Policy
When you are shopping for Howell auto insurance, you will want to be sure that you are both purchasing your policy from a trustworthy insurance company and that you are getting your coverage at a reasonable rate. Comparison shopping can help you find the most affordable policy, but it can be a frustrating and time-consuming process when you do it on your own.
That is why it is advantageous to enlist the help of an independent insurance agent in our network. These agents make gathering and comparing rates easy. They can work with a number of dependable insurance companies to quickly and easily gather for you a variety of customized Howell auto insurance quotes to compare.
Find an agent with an office in or near Howell to get started.