Muskegon Car Insurance

Everything You Need to Know About Car Insurance in Muskegon

Muskegon is the largest populated city on the eastern shore of Lake Michigan. This beautiful city offers 26 miles of sugar sand beaches and 60 miles of wilderness trails to see and explore. Whether you’re headed out for a tour of the city’s lighthouses or you’re on your way to Michigan Adventure Amusements and Water Park, be prepared to encounter some crazy traffic in Muskegon. Make sure you’re prepared with comprehensive Muskegon car insurance before you get behind the wheel. 

Our Independent Insurance Agents offer Muskegon drivers one-on-one help when it comes to shopping for auto insurance. Our experienced agents take the guesswork out of car insurance and help you navigate all of your coverage options to build a customized policy that is right for your unique lifestyle and budget. 

  • National Average Cost Per Year: $1,311
  • Michigan Average Cost Per Year: $2,476
  • #1 Most Expensive Auto Premium in US

Michigan has the most expensive car insurance premiums in the nation, but our Independent Insurance Agents can help you maximize your savings with safe driving discounts and hybrid car incentives. Ultimately, your auto insurance rate will be determined by the make and model of your car, your age, and your driving record. Our friendly agents specialize in helping Michigan drivers find the most affordable coverage options to help minimize the cost of car insurance. 

Michigan Car Insurance Requirements

  • Body Injury Liability: Required
  • Property Damage Reliability: Required
  • Personal Injury Protection (PIP): Required
  • Minimum Liability Limits: 20/40/10

State law requires that all Muskegon drivers have three layers of liability coverage. You’ll need minimum liability coverage of $25,000 for personal injury, $50,000 for bodily injury, and $25,000 for property damage. These minimum coverages are meant to serve as a guideline to help protect drivers from the devastating financial burden of an auto accident. However, keep in mind that costs oftentimes far exceed these minimums. It’s always wise to invest in as much liability coverage as you can afford because if the costs exceed your coverage limits, you’ll be stuck paying the difference out of pocket. 

Number of Uninsured Motorists in Michigan

  • How many US drivers are uninsured: 12.6%
  • How many Michigan drivers are uninsured: 21.00%

Even though Michigan requires all drivers to have car insurance, nearly one-fourth of drivers are still uninsured. Many more are underinsured. If you get into an accident and the party at fault doesn’t have insurance or their policy doesn’t cover the total amount of damage to your car, you’ll have to foot the rest of the bill out of pocket. Many Muskegon drivers opt to purchase Uninsured Motorist coverage for peace of mind. 

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 high crime rate is definitely something drivers have to think about when they are shopping for car insurance. In Muskegon, auto theft is a serious threat. You can minimize the risk by locking your car doors and installing a security system, but ultimately, there’s no way to guarantee that you won’t become a victim. If your car does get stolen, having comprehensive car insurance will be a huge benefit. Your auto insurance will pay to replace your stolen car and any valuables you had stashed inside.

Find a Great Muskegon Car Insurance Policy

Shopping for car insurance doesn’t have to be complicated. In fact, our Independent Insurance Agents make the process easy from start to finish. Our experienced agents will walk you through your coverage options, offer quotes on multiple policies, and answer all of your questions along the way. 

If you’re ready to start saving on your Muskegon car insurance, contact an Independent Insurance Agent for a free rate quote today. 

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