Marquette Car Insurance

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

Marquette, MI is a charming city that was named as one of the top 10 places to retire in the entire United States. It is the most populated city in the upper peninsula of Michigan and is also a major port for Lake Superior. With the population of Marquette growing so large, local residents can expect to face busy roads and heavy traffic year-round. Make sure you’re protected with Marquette car insurance. 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.

Drivers in Michigan can expect to pay higher premiums when compared with the national average. Still, our agents specialize in helping Michigan drivers find budget-friendly auto insurance options that cover all the important areas like theft, uninsured motorist and liability. Several factors including the type of car you drive, your driving record and your age all determine your individual rate.

Michigan Car Insurance Requirements

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

Drivers are required to have car insurance before operating a vehicle legally in the state of Michigan. 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. These minimums are meant as a starting point, and drivers should always consider purchasing additional insurance. If the cost of an accident exceeds the minimum insurance requirements set by the state, then you have to pay for car repairs out of your own pocket. The best way to avoid this situation is to purchase additional coverage so you are protected under any circumstance.

Number of Uninsured Motorists in Michigan

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

Uninsured drivers are a major problem in Michigan. One out of five drivers in Michigan is driving without car insurance. This puts all drivers at a huge risk. Our agents can help you add uninsured motorist coverage to your 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

Michigan’s drivers face another serious threat of car theft. Most people in Marquette rely on their personal vehicles to travel to work or school or to run errands. Without your vehicle, it would be hard to get through your normal routine. Choose a car insurance policy that offers protection against theft so you can replace your car in the event it is ever stolen.

Find a Great Marquette Car Insurance Policy

Choosing the right car insurance is a big decision, and it shouldn’t be taken lightly. It might be tempting to purchase the first policy you come across, but this mistake could cost you thousands of dollars in the long run. Our Independent Insurance Agents specialize in helping Marquette drivers find the best coverage options at the most affordable prices. Our friendly agents will provide you with quotes on multiple policies, and help you compare the cost and benefits and help you choose a policy that will best protect you against Marquette’s biggest roadway threats. 

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

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