If you are a Michigan resident in search of car insurance coverage, you are at the right place. At Cheapcarinsuranceco.com drivers can get the state mandated minimum coverage they need, but they can also shop for additional coverage and benefits. We want our customers to find the best coverage for their needs, and we specialize in helping them do just that. Getting the quote you need is fast and easy, and you can easily compare rates so you know which coverage option works best for you.

Michigan Car Insurance Requirements

The law in the state of Michigan states that all drivers must carry a minimum of $20,000 of bodily injury liability coverage, up to a total of $40,000 per accident. The same law also states that drivers must carry property damage liability coverage of at least $10,000. This type of coverage requirement is known as 20/40/10 in the industry.

Michigan Insurance Coverage:

Bodily injury liability: $20,000/$40,000 minimum

Property Damage Liability: $10,000 minimum

The state of Michigan uses the Tort system. This system dictates that the person found to be responsible for the accident is responsible, along with his or her insurance company, for covering the costs associated with the crash. The Tort laws vary from state to state, and it is important for drivers to assess the laws in their own states when making coverage decisions.

While Michigan drivers are required to have minimum coverage in place, they can also choose from a number of optional coverage packages. For instance, drivers can purchase uninsured and underinsured motorist coverage to cover any injuries caused by a driver who either did not have insurance or failed to carry the amount of insurance needed to cover those injuries. Even though this coverage is not required it is still a good idea to buy it.

With your quote from Cheapcarinsurance.com, you can select the minimum coverage required by the state of Michigan, or you can choose additional coverage options. Drivers can also change their coverage as the need arises to make sure the amount of coverage they have in place is still sufficient for their needs.