As the birth state of automobile mass production, Michigan's driving history is as rich as any in the country. You're probably not driving around in a 1903 Model A, but every time you start up a car, you're celebrating your state's storied past. Just as cars have come a long way, so too have the ways in which we protect them.
Whether you're cruising along the banks of Lake Michigan or taking the Blue Water Bridge to an international excursion, you can depend on auto coverage from Nationwide to keep yourself and your vehicle safe.
Take advantage of Nationwide's features
Nationwide makes it easy for you to find dependable auto insurance in Michigan. We can show you options so you can choose the coverage that's right for your needs, goals and budget.
Explore the features below to learn more about what we can offer you:
On Your Side® Claims Service
Choose a shop in our network to get a written guarantee on repairs for as long as you own your vehicle.1
Discounts helping you save
We offer many ways to help lower your auto insurance rates. See the many ways you can save with qualifying discounts.
On Your Side® Review
Enjoy a free consultation with an agent who's here to help you get the protection you need at the price that's right for you.
Resources at your fingertips
Make payments, print ID cards, report claims and more, quickly and easily online. We even have a mobile app for on-the-go account access.
Michigan car insurance discounts
Nationwide makes it easy to find affordable car insurance. Find out which discounts can be applied to your policy by applying online for a quote or speaking with your local agent. Nationwide offers a range of car insurance discounts that can help lower your monthly premium, you may be eligible for these exclusive discounts below:
Multi-policy
When you have Nationwide as your insurance provider you can bundle your car insurance policy with home, renters, boat, and multi-car. By protecting your property with Nationwide, you can save money and simply your life.
SmartRide® program
SmartRide rewards safe driving. Get an instant discount when you sign up. The safer you drive, the higher the discount you could earn.2
Good student
Nationwide offers a student discount for drivers age 16 to 24 who maintain a B average or better and are full-time students.
Defensive driving
This discount applies to drivers age 55+ who have completed and passed a state-approved defensive driving safety course.
Anti-theft
If you have an anti-theft device installed in your car you may be eligible for a discount. Savings vary based on the type of device installed. Proof of installed device may be required.
Safe driver
It is important to maintain a clean driving record. If you have at least 5 years of safe driving, you could be eligible for safe driver discount.
Automatic payments
Get a one-time discount for setting up monthly recurring bill pay from your checking or savings account.
Accident free
When you maintain an accident-free driving record you could earn up to 10% reduction in your monthly premium.
Save up to 20% when you bundle home and car insurance with Nationwide.
Find Nationwide Insurance near you in Michigan
Get a free auto insurance quote
Car insurance laws in Michigan
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:
No-fault insurance
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.
Michigan teen driving laws
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.
Minimum insurance requirements for Michigan
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.
Liability coverage
As a resident of Michigan, there are two types of liability coverage your insurance policy must include: property damage and bodily injury.
- Property damage safeguards your assets if you are found legally responsible for a covered accident. It covers certain damage you may cause to the property or vehicle of another party.
- Bodily injury safeguards your assets if you’re found legally responsible for a covered accident, including certain expenses associated with bodily harm sustained by the other parties.
Liability coverage also provides for your legal defense if a lawsuit is brought against you as a result of a covered accident.
Property protection insurance
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.
Personal injury protection (PIP
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).
Optional Michigan insurance coverage
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:
Comprehensive
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.
Collision
Covers damage to your vehicle resulting from a collision with another vehicle or object (subject to deductible).
- Broad collision covers damage to your vehicle resulting from collision with another vehicle or object, after you pay your deductible. If the driver of your insured vehicle was not substantially at-fault or parked in such a way to have caused an unreasonable risk of loss, the deductible amount will not be subtracted.
- Limited collision coverage only applies if the driver of your insured vehicle was not substantially at fault.
Uninsured/underinsured motorist
Protects you in the event of an accident where the other party is at-fault and either doesn’t carry insurance or is underinsured.
- Bodily injury helps pay for damages due to bodily injury that you and other passengers of your vehicle are legally entitled to from another driver who is not insured or is underinsured.
Nationwide coverage in Michigan
[1] Guarantee is limited to alternative parts identified on appraisal and used in repair. Also, work performed at an On Your Side Auto Repair Center includes workmanship guarantee. For informational purposes only. Program terms and conditions are controlling.
[2] Discounts do not apply to all coverage elements; actual savings vary by state, coverage selections, rating factors and policy changes. Enrollment discount applies during data collection; final discount is calculated on driving behavior and could be zero. Final discount applies at the next policy renewal and remains until drivers or vehicles on the policy change.
Insurance terms, definitions and explanations are intended for informational purposes only and do not in any way replace or modify the definitions and information contained in individual insurance contracts, policies or declaration pages, which are controlling. Such terms and availability may vary by state and exclusions may apply.