New Baltimore Car Insurance

Everything You Need to Know About Car Insurance in New Baltimore, MI

New Baltimore, MI is a beautiful coastal resort community, located on the waterfront along Anchor Bay. Gorgeous public parks, clear beaches, and upscale downtown shopping are just a few of the amenities this town offers. This popular area attracts a steady flow of curious tourists, so local residents can expect to deal with heavy traffic and busy roads. There is so much to see and do, but before you get behind the wheel, make sure you’re protected with New Baltimore car insurance. Our Independent Insurance Agents will show you the car insurance plans that fit your particular situation and budget.

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

Michigan’s car insurance rates trend above the national average. Our agents are experts, who can help you work through the process of finding budget-friendly insurance options that will still protect you against common threats. Keep in mind some factors that may determine your rate in New Baltimore, including your driving record, the type of car you drive, and your age.

Michigan Car Insurance Requirements

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

The state of Michigan requires all drivers to be insured. 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. However, these minimums are meant as a starting point, and you always have the option to purchase additional insurance. If you are involved in an accident that exceeds your insurance, you are responsible for repairing your own vehicle out of pocket.

Number of Uninsured Motorists in Michigan

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

Michigan has a high percentage of uninsured drivers when compared with the national average. This means you are sharing the roads with drivers, one out of five of whom is uninsured. If you get into an accident with an uninsured driver, you are responsible for repairing your own vehicle at your own expense. Add uninsured motorist to your New Baltimore auto insurance policy to make sure you are protected even if the other driver isn’t.

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

Auto theft is a growing problem in Michigan. New Baltimore residents routinely rely on their personal vehicles to travel to work, to school or to run errands. If you get into an accident that leaves your car beyond repair, you will be left stranded. Without your car, how would you be able to function in your daily routine? 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 New Baltimore Car Insurance Policy

Shopping for New Baltimore auto insurance can be overwhelming, and it is tempting to take the first policy you find. However, when it comes to auto coverage in New Baltimore, you just can’t afford to cut corners. Our Independent Insurance Agents are experienced and can help you find great coverage at affordable prices. 

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

Share this page on Twitter Share this page on Facebook Share this page on LinkedIn