Feel secure knowing you have an insurance provider you can rely on. With Nationwide, it’s easy to customize your policy with affordable options for Michigan auto insurance.
Feel secure knowing you have an insurance provider you can rely on. With Nationwide, it’s easy to customize your policy with affordable options for Michigan auto insurance.
As a Michigan resident, you are required to carry car insurance and purchase coverage before you register your vehicle. However, before you get started, here is some important information to keep in mind:
Recently in 2019, Michigan became a no-fault insurance state. If you happen to get into a car accident, no-fault insurance will reimburse you for any hospital or medical expenses, wage losses from an inability to work, and if necessary, any funeral costs. No-fault insurance will cover these expenses regardless of who is responsible for the accident. It does not, however, cover any damage to your car.
Young drivers are eager to get out on the road and experience that kind of freedom for the first time in their lives. To ensure safety on the road for everyone, it’s important to become familiar with the laws for new drivers in Michigan.
Drivers can get a Level 1 Learner’s License once they turn 14 years and 9 months old, and can get a Level 2 Intermediate License once they turn 16 years old and have been driving for at least six months with 50 supervised hours (including 10 hours at night). Restrictions are lifted once a driver turns 17 and receives a Level 3 Full License. You can learn more about being a young Michigan driver here..
The minimum amount of Michigan auto insurance coverage is $50,000/$100,000/$10,000. In the event of a covered accident, your limits for bodily injury are $50,000 per person, with a total maximum of $100,000 per incident. It also covers up to $10,000 for damage to another person’s property.
As a resident of Michigan, there are two types of liability coverage your insurance policy must include: property damage and bodily injury.
Liability coverage also provides for your legal defense if a lawsuit is brought against you as a result of a covered accident.
This coverage pays up to $1 million for damage your car does in Michigan to other people’s property, such as building and fences. It will also pay for damage your car does to other people’s properly parked vehicles.
Reimburses a portion of wage loss, medical expenses and essential services incurred as a result of an accident to eligible injured parties (i.e. passengers or pedestrians).
It’s often a good idea to add the following coverages to your policy so you can enjoy the security of being protected on the road:
This type of Michigan auto insurance coverage is used to repair your vehicle when physical damage occurs from non-collision related incidents (subject to deductible). Such incidents include theft, fire, vandalism, glass breakage, and contact with animals.
Covers damage to your vehicle resulting from a collision with another vehicle or object (subject to deductible).
Protects you in the event of an accident where the other party is at-fault and either doesn’t carry insurance or is underinsured.
With this optional coverage, Nationwide will not raise your auto insurance rates following your first at-fault automobile accident. Learn more about Accident Forgiveness.
Nationwide Roadside Assistance coverage is available in two different levels, Basic and Plus, so you can choose the one that works best with your budget. Get covered for fuel delivery, lockout service, jump-starts and more.
If you can’t drive your car due to a covered loss, this coverage helps pay for a rental car or other transportation expenses so you can get back on the road.
Some car insurance rating factors, such as your driving record, can significantly impact your insurance costs. Below are the most common rating factors used to determine a low or high risk driver.
The type of car you own can affect your car insurance rate. This will include car safety features, year and make, age of the vehicle, vehicle ownership and cost of repairing the vehicle.
Car insurance rates vary by state and zip code. Each state has their own regulations and insurance coverage requirements.
Your demographics such as age, gender, marital status, credit score and profession can impact your rate.
Your driving history would include your driving record, how much you drive and years of driving experience.
Once you find the right coverage, be sure to keep in mind the factors that can increase your rate.
Traffic violations include minor and major violations such as speeding tickets, careless driving and DUIs.
At-fault accidents that result in large insurance claims may affect your premium.
If someone else drives your car you should add them to your policy. Their driving record and driving history may increase your insurance rate.
A lapse in car insurance is when you have a registered car but no car insurance. Going without car insurance in many states can make you a high-risk driver when purchasing car insurance.
Driving uninsured can result in varying penalties and is against the law in most states. The consequences of driving without insurance outweigh the monthly insurance premium and may result in the following penalties.
Fines vary by state and can add up to thousands of dollars if you are involved in an accident.
Some states revoke or suspend your license if you are caught driving without insurance.
In some states your vehicle may be towed and you will not be able to claim your car until you submit proof of insurance. Getting your car back will require additional impound and reinstatement fees.
If you are uninsured and involved in an accident you have to pay out-of-pocket for damages and, depending on the severity of the accident, the costs can be very high. You could even be sued for bodily injury or property damage.
Driving uninsured will make you a high-risk driver and this can increase your premium. Some states require an SR-22 document to prove you can meet the state’s minimum insurance requirements. Having an SR-22 will reflect poorly on your driving record.
Product, coverage, discounts, insurance terms, definitions, and other descriptions are intended for informational purposes only and do not in any way replace or modify the definitions and information contained in your individual insurance contracts, policies, and/or declaration pages from Nationwide-affiliated underwriting companies, which are controlling. Such products, coverages, terms, and discounts may vary by state and exclusions may apply.
The information included here is designed for informational purposes only. It is not legal, tax, financial or any other sort of advice, nor is it a substitute for such advice. The information may not apply to your specific situation. We have tried to make sure the information is accurate, but it could be outdated or even inaccurate in parts. It is the reader’s responsibility to comply with any applicable local, state or federal regulations. Nationwide Mutual Insurance Company, its affiliates and their employees make no warranties about the information nor guarantee of results, and they assume no liability in connection with the information provided.