Westland Car Insurance

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

Vehicle owners in Westland, MI are required to carry car insurance that meets the state’s mandatory coverage minimums. Accidents can happen anywhere at any time. You could be involved in a collision as you’re driving down Ford Road while out running errands or you could be involved in a collision when you’re caught up in rush hour traffic on Michigan Avenue while going to work or as you’re passing a slow-moving vehicle on Marquette Street on your way to a football game at John Glenn High School. This is why it is important that before you get behind the wheel of a car, you make certain that you are covered by a suitable Westland auto insurance policy.

Finding a great car insurance policy at an affordable price is easy when you work with an independent insurance agent in our network. These agents can explain your coverage options and answer your insurance-related questions. They can then present you with a number of competitively priced Westland car insurance quotes for policies that have been customized to meet your coverage needs. Find an agent in or near Westland to learn more.

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

Auto insurance rates in Michigan are the most expensive in the country, and this makes shopping around for the best rate even more important. The average rate listed above can give you a general idea of what you might expect to pay, but your actual price for coverage is likely to be quite different. This is because rates are calculated based on several different variables. When you request a quote from an insurance company, they calculate the cost of your Westland car insurance based on a number of considerations such as the following:

  • The make, model, year and safety features of your vehicle(s) as indicated by the vehicle identification number (VIN)
  • The age, sex, marital status and driving record of all drivers in your household who will be included on your policy
  • The ZIP code where you live and park your car
  • The approximate number of miles you drive each year
  • The amount of liability coverage you wish to purchase
  • The policy options you wish to include
  • The amount of your deductible
  • Your qualification for any policy discounts

Every insurance company has a proprietary method for assessing risk and assigning rates. Comparison shopping puts you at an advantage by enabling you to choose the policy that offers the best value for your money.

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

Failure to carry auto insurance that meets or exceeds Michigan’s minimum coverage requirements is a prosecutable offense. If you are caught, you can face fines of up to $500 and suspension of your license for 30 days, and you can even be incarcerated. While these coverage requirements may be sufficient to cover you if you are responsible for a fender bender or other minor accident, collisions that are more serious and involve significant injuries can easily exceed what a minimum-coverage policy pays. 

In that case, you need to make up the difference out of pocket. In order to protect your assets, such as your house and savings, it is a good idea to buy liability coverage at the highest amounts you can reasonably afford. Your agent can help by showing you rates for different levels of coverage.

Number of Uninsured Motorists in Michigan

  • Number of uninsured U.S. drivers: 12.6%
  • Number of uninsured Michigan drivers: 21.0%

Despite Michigan’s tough penalties for driving without insurance, roughly one out of every five drivers on this state’s roadways do not have coverage. If an uninsured or a hit-and-run driver is responsible for an accident that causes you injuries or property damage, that person is responsible for paying for your damage and medical bills. Unfortunately, you may find it extremely difficult, time-consuming and perhaps even impossible to collect these funds, which means that you will end up paying for the damage yourself. Unless, that is, your Westland auto insurance policy includes uninsured motorist coverage. In that case, your insurance company covers your damage and then attempts to recover the funds from the offending driver itself.

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 the state of Michigan is higher than the national average; but in Westland, the rate is lower. In recent years, there were 193 auto thefts reported in this city. That equates to about 2.35 thefts per 1,000 vehicles — a bit less than the national average. In the event that your car is stolen or damaged by vandals, you can only receive compensation from your insurance company if your Westland car insurance policy includes comprehensive (or “other than collision”) insurance. This insurance also covers damage caused by other noncollision hazards, such as falling objects, floods, flying debris and fires.

Find the Best Westland Car Insurance Policy

If you are looking for an affordable Westland auto insurance policy that will provide you with all the coverage you and your family need, it is to your advantage to work with an independent agent in our network. These agents can work with several different insurance companies to gather a selection of customized policies that you can review together. There are several agents located throughout the state of Michigan, and some have offices in and near the city of Westland. 

Find an agent near you to learn more about your coverage options, and discover how easy it is to compare Westland car insurance quotes to save money on your premiums. 

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