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Michigan Car Insurance - Get Michigan Auto Insurance Quotes

Michigan Insurance Information

Michigan derives its name from a mispronunciation of the Ojibwe (the language of the Algonquian tribe) word "mishigama," which means "large water" or "large lake." Michigan has the eighth-highest population in the country and is the only state that consists only of two peninsulas. Behind only California and Florida, Michigan has the third-highest number of registered boats in the nation. At any location in the state, residents are never farther than six miles from a natural source of water. The largest city in the state, Detroit, is home to America's "Big Three" automakers: Ford, General Motors, and Chrysler.

Because of its dense population, Michigan tends to have rather congested roads and frequently heavy traffic. Under these circumstances, it's especially critical to carry an adequate Michigan auto insurance policy. A solid car insurance policy will allow you to drive legally on Michigan roads and will protect your finances from the potentially prohibitive costs of an accident. Whether you're looking for a basic policy with only the legal minimums or a full-coverage policy, this is the place to find it. All of the information you need to select a Michigan car insurance policy is conveniently available on this page. We have done all the research for you, from reviewing prospective providers to spelling out Michigan's minimum requirements.

As soon as you know what you're looking for in a policy, you can request Michigan car insurance quotes by selecting your location at the bottom of the page. You will see specific, competitive offers in your area on the policy you need. These Michigan auto insurance quotes are free of charge and do not commit you to purchase anything. Of course, you can pursue any of the policy offers you see, but you are also free to save the quotes on Michigan car insurance and return later. If you need assistance at any point, please use the toll-free number at the top of the page to contact us. Our staff is ready and willing to assist you with finding the perfect Michigan auto insurance policy!

Michigan Population Data At-a-Glance

9,876,187 total population
39 average citizen age
95 males per 100 females
7 number of cities with > 100,000 residents
Detroit largest city in the state

Vital Michigan Insurance Facts

See below for key facts and figures about auto insurance in Michigan. Understanding these facts and how they influence car insurance rates in the state of MI can be key to saving money on your premium.

Average Annual Michigan Insurance Premium Payment


About $126.42/Month. Michigan ranks as the 14th most expensive state for car insurance in the United States

Is This an At-Fault or No-Fault State?


State Minimum Coverage Requirement


Injury Liability Per Person / Injury Liability Per Accident / Property Damage
*Units in Thousands of Dollars

Estimated Uninsured Population (%)


Or About 2,765,332 Uninsured Drivers in the State of Michigan

MI Licensing Rules & Regulations

The process for becoming a licensed automobile driver varies dramatically from state to state. Here are the important rules you need to know about becoming a licensed driver in Michigan, and keeping your driver license up-to-date.

Learner's Permit

14.75 Years

Unrestricted License

17 Years

Renewal Frequency

4 Years

Safety Requirements, Handheld Devices in Michigan

While Michigan has its own rules for addressing vehicle safety, there are several tips that all drivers should follow, regardless of the state’s driving law. Always wear your seatbelt, avoid cell phone use to limit distractions (this included hands-free) and place children in an appropriate carrier for their age.

Seatbelt Offenses


Motorcycle Helmets

All Ages

Handhelds Banned?


Text-Messaging Banned?


Michigan Impaired Driving Laws

More and more states have been cracking down on impaired drivers and Michigan is no exception. Driving is already the most dangerous activity most of us perform on a regular basis. Don’t further jeopardize your life, or the lives of others, by operating a vehicle under the influence of condition altering substances.

Under 21 Limit


Individual Limit


Extreme Limit


Financial Penalty Estimate


Minimum License Suspension

90 Days

Maximum Jail Sentence

93 Days

SR-22 Required?


Open Container Law