Michigan Auto Insurance Quotes

At HomeInsurance.com, our customers know that we are not just home insurance. We offer some of the most competitive auto insurance rates and home and auto insurance discounts available. Finally, finding competitive, low cost car insurance quotes in Michigan does not have to be a chore. Fill out one form and our licensed agents will match you with the Michigan auto insurance provider that offers the best rate for your vehicle and your drivers.

The average Michigan car insurance rate in 2008 was $907.00. It appears that rates have increased over the past 3 years, so make sure you shop your Michigan auto insurance policy today.

Since rates have increased in recent months, it’s important to continue to save money and find great coverage on Michigan auto insurance. Be sure to ask your Michigan car insurance agent about a Home-Auto Discount which can save you up to 25% or more on your home and auto insurance. Also, check your coverages on a regular basis to make sure you have enough auto insurance coverage in the event of a accident or other claim.

Michigan Auto Insurance Coverage Requirements

Bodily Injury: Michigan drivers are required by law to carry a minimum of $20,000 of bodily injury coverage with a maximum of $40,000 per accident. Bodily injury coverage provides for lost wages, funeral expenses and medical expenses in the event of an accident where injuries are sustained.

Property Damage: Drivers in Michigan must carry a minimum of $10,000 in property damage liability coverage for every owned vehicle. This coverage protects drivers from damages caused to private and public property damaged in an accident.

Michigan Recommended Coverages

• Uninsured/Underinsured Motorist Coverage- a type of insurance which pays for the damages caused by uninsured and underinsured drivers.
• Comprehensive and Collision Coverage- a type of insurance coverage which pays for damages caused by storms and other natural disasters

Another way to save money on Michigan car insurance premiums is to take advantage of auto insurance discounts that can save you money in your area. Read more about the Michigan Home-Auto Discount.

Auto Insurance Tools and Tips:

• Auto Insurance Quiz- Why do you really pay what you do for auto insurance? Quiz yourself!
• Teen Driver Contract- Download our free teen driver contract and start protecting your teens on the road today.
• Car Insurance RateReport: See how your premiums add up against other drivers in the country with our interactive RateReport map.

Michigan Most Stolen Vehicles

Some specific vehicle models are known for being more commonly stolen than others. Owning one of these vehicles may affect your auto insurance rates. Check out the most commonly stolen vehicles in Michigan:

The Top 10 Most Stolen Vehicles in Michigan

Rank	Year	Vehicle
1	1996	Dodge Caravan
2	2000	Dodge Intrepid
3	1997	Ford Taurus
4	2005	Dodge Ram Pickup
5	2000	Jeep Cherokee/Grand Cherokee
6	1994	Plymouth Voyager
7	2005	Pontiac Grand Prix
8	1997	Dodge Stratus
9	1994	Oldsmobile Cutlass
10	2005	Dodge Durango

Source: © 2007 National Insurance Crime Bureau.

Michigan Driver Licensing Rules/Regulations:

Laws about licensing new drivers vary per state and are unique in Michigan. Drivers shopping for Michigan teen auto insurance should review the laws regarding young drivers in their state. A summary of Michigan young driver and driver licensing regulations are listed below, as per the Insurance Institute for Highway Safety (IIHS):

To earn a Michigan learners permit you must be of this minimum age:	14, 9 months
Before getting a Michigan drivers license you must have a learners permit for:	6 months
Also, you must have this minimum amount of supervised driving time:	50 hours, 10 of which must be at night
To earn a Michigan driver's license you must be of the minimum age:	16
During your restricted license stage, you are not allowed to drive between:	midnight-5 am
Also, you are required to comply with the following passenger restrictions:	none
The minimum age at which your restricted nighttime hours may be lifted in Michigan is:	17
The minimum age at which your passenger restrictions may be lifted in Michigan is:	no

Shop HomeInsurance.com for the lowest rates and best coverage for your vehicles. Simply enter your zip code above to start your customized car insurance quote and let our auto insurance agents qualify you for all available discounts in Michigan.

Search for auto insurance in your Michigan county:

For additional information about specific auto insurance laws in Michigan, visit the Michigan Insurance Division website.