Why Insurance in Michigan is Unique
Key things every Michigan driver needs to know.
Unique Risks
- Severe winters
- Deer accidents
- Theft (Detroit)
Did You Know?
Michigan famously had the most expensive insurance due to unlimited lifetime medical benefits. 2020 reforms allowed drivers to choose lower PIP limits, reducing costs slightly.
Top Rated Insurers in Michigan
Auto-Owners
Citizens Insurance
Frankenmuth
Allstate
Progressive
Your Questions Answered
Do I still need unlimited PIP?
No, you can now choose coverage levels based on your health insurance status, which may save you money.
Why is insurance high in Detroit?
High rates of claims, theft, and medical litigation historically drove up city premiums.
Customer Success Stories
See what real Michigan drivers are saying.
★★★★★
"Helped me understand the confusing requirements here."
★★★★★
"Excellent service and very transparent pricing."
★★★★★
"Saved me over $500 on my policy. Highly recommend!"