Traverse Car Insurance

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

Good Morning America viewers voted Traverse, MI as the "Most Beautiful Place in America," which was no surprise to those lucky enough to live in this one-of-a-kind city. From the charming tree-lined streets of the downtown area to the white sandy beaches of Lake Michigan, the gorgeous scenery of Traverse will take your breath away. The only major drawback to living here is the constant battle with traffic. Tourists come year-round to take in the sights and sounds of the "Cherry Capital of the World," so make sure you're covered with the best Traverse car insurance before you hit the road. 

Our Independent Insurance Agents specialize in helping Traverse drivers track down the best deals on auto insurance. Whether you are looking for a simple liability policy or you want comprehensive coverage for your brand new car, our experienced agents can help you find a plan that's right for you. 

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

An accident can happen in the blink of an eye, so you just can't afford to skimp on auto insurance. Michigan has the nation's most expensive car insurance rates, but that doesn't mean that you're stuck paying too much for your coverage. Our Independent Insurance Agents will help you find the best rates on the coverage you need, with customized quotes on multiple policies. 

Michigan Car Insurance Requirements

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

Michigan state law requires you to have a minimum of $20,000 to cover personal injury, $40,000 for bodily injury liability and $10,000 for property damage. The state puts these minimums in place to protect you from the devastating consequences of a major collision, but keep in mind that these minimums might not be enough. If the costs of an accident exceed your coverage limits, you'll have to pay the difference out of pocket. That's why it's always a good idea to invest in as much liability coverage as you can reasonably afford. 

Number of Uninsured Motorists in Michigan

  • Number of uninsured U.S. drivers: 12.6%
  • Number of uninsured Michigan drivers: 21.00%

Uninsured drivers pose a serious threat to the Michigan highways. There being 21 percent of drivers uninsured in Michigan, you could be faced with some serious financial challenges if you get into an accident. An uninsured at-fault driver may not have the financial resources to pay for your car repairs or subsequent medical bills. Uninsured motorist coverage protects you in this situation so you can have peace of mind that you're always prepared, even if you wind up in a wreck with an uninsured 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

Auto theft is much more prevalent in Michigan than in other parts of the United States. Traverse drivers should always take precautions to prevent theft by parking in well-lit areas and locking the doors. If you do become a victim of auto theft, your car insurance pays to replace your stolen vehicle so you can get back on the road with minimal interruption to your daily routine. 

Find a Great Traverse Car Insurance Policy

Our Independent Insurance Agents bring years of experience in the car insurance industry, and they can help find the right auto policy for any Traverse driver. Our experienced agents can customize any policy and even compare car insurance quotes to help you find a plan that meets your needs. If you're looking for an affordable solution for Traverse auto insurance, Independent Insurance Agents can help. Let our friendly agents take the guesswork out of comparing premiums and coverages so you can find a plan that best protects you against the biggest threats on Traverse roadways. 

Contact an Independent Insurance Agent today to get a free quote on car insurance.

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