Michigan drivers must carry car insurance at all times, and must be able to provide proof of adequate insurance when pulled over for any reason by an officer of the law. Drivers who do not carry proper insurance may face fines, license suspension, and even jail time. They may also find getting cheap car insurance more difficult when they do decide to purchase it, because insurance companies will see their reckless past actions as an indication of high risk.
Michigan drivers must purchase (at least) the state minimum amount of liability coverage in the amount of 20/40/10. This ratio equals to $20K in bodily injury liability for one driver, $40K in bodily injury liability for more than one driver, and $10K in property damage.
While purchasing the state minimum amount of liability will allow drivers on the road legally, please be advised that these numbers only represent the bare minimum amount of liability insurance needed. Because car accidents can be extremely expensive, drivers are strongly encouraged to purchase more than the minimum amount required.
Drivers in Michigan are not required to purchase Uninsured/Underinsured (UM/UIM) coverage; however, because this type of insurance covers any damage that may be done to your car if you are involved in an accident with an uninsured or underinsured driver, it is strongly advised that you do so.
If you think you can afford to go without UM/UIM coverage, remember this: you can only control your own actions on the road. You cannot control the actions of others. With so many uninsured drivers on the roads these days, you may be left paying for damages if you are involved in an accident. So do yourself a favor and purchase it. You’ll be thankful in the long run.
As a no-fault state, Michigan’s car insurance laws require that drivers purchase no-fault insurance. When you are in an accident in Michigan, it doesn’t matter who is at fault—your company must foot the bill for the damage done to your car.
If you are a driver, you must purchase car insurance, whether you are in Michigan or another state. How much you buy is up to you, but you need to have at least the minimum amount of liability insurance coverage in order to drive legally. You should also purchase UM/UIM coverage as well. If you are looking for cheap car insurance rates, you should consider comparing quotes from different companies before purchasing a policy.