AARP Michigan Car Insurance

Michigan car insurance
Descubra los descuentos y beneficios con el Programa de Seguros para automóviles de AARP de The Hartford.

Car Insurance for Michigan Drivers

Michigan auto insuranceMichigan drivers need car insurance coverage that has their back. If you’re looking for the best car insurance in Michigan, you’ll need to find an insurance company that goes above and beyond for their customers. You can count on The Hartford to be there when you need us most. Get your cotización de seguro para autos from us today.
Whether you just moved to The Mitten or are looking for new car insurance in Michigan, the AARP® Auto Insurance Program from The Hartford1 is here to help keep you protected on the road. The Hartford has been protecting Michigan AARP members and their families since 1984. We’ve earned a reputation for integrity and trust, and we’re proud to have a record of high customer ratings for claims services.

Michigan Auto Insurance Coverages

Auto insurance coverages vary by state, so be sure to check the minimums where you live. In Michigan, auto insurance laws require drivers to have certain insurance. You’ll need bodily injury liability insurance to cover injury to another person and property damage liability insurance to cover damage to someone else’s property if you’re at fault in an accident. Michigan state law requires liability coverage at the following minimum limits:2
  • $100,000 for bodily injury, total per accident
  • $50,000 for bodily injury, per person per accident
  • $10,000 for property damage per accident
  • Personal Injury Protection (PIP) coverage, unless you are covered by Medicare parts A & B

Additional Car Insurance in Michigan

In addition to the auto coverage you’re required to carry, you also have the option to buy added protection. This can help you feel more comfortable on the road and offer you even greater coverage. Adding these additional coverages can help ensure that you get the best car insurance for your specific needs. You may be eligible for the following auto insurance coverages with The Hartford:

Michigan Car Insurance Laws

Proof of Car Insurance for Michigan Drivers

Before you can register a vehicle, you must have car insurance in Michigan. It’s important to keep a copy of your car insurance ID card in your vehicle in case of a car accident. At the very least, make sure to have a copy on your phone. Michigan accepts electronic proof of insurance and with The Hartford mobile app, we make it easy to always have it with you. Download the app today by visiting the Google Play™ or App Store.™ Be aware that in Michigan, the penalties for driving without car insurance coverage include:
  • Fines of $200 - $500
  • Up to one year in jail
  • 30-day license suspension or until you have car insurance

Michigan Uninsured Driver Facts

The state of Michigan does not require drivers to carry uninsured/underinsured motorist coverage. Still, The Hartford offers this coverage which will protect you from financial loss if you are involved in an accident with an uninsured motorist and cannot receive compensation from the other driver.

Michigan Car Insurance Laws for Staying Safe

As you travel through Michigan, there are several safe driving laws meant to protect you, like:4

Michigan Seat Belt Laws

It is a law to wear a seat belt while driving or sitting in the front seat of a car in Michigan. Passengers that are 8-15 years old must wear a seat belt no matter where they are sitting.

Michigan Distracted Driving Laws

Texting while driving is banned for all drivers in Michigan. Fines start at $100 and additional offenses will cost you $200. To stay focused while driving, review directions before you leave and travel at times when you are normally awake and alert.

Michigan Teen Driver Laws

Michigan has implemented graduated licensing laws to ensure that teenagers gain the experience and maturity required to be safe behind the wheel. These laws:
  • Limit nighttime driving
  • Restrict teen passengers
  • Ensure an adequate amount of supervised driving practice

New Auto Insurance Law for Michigan

Michigan is a no-fault state, which means that if you’re in a car accident, each driver will need to file a claim with their own insurance. In July 2020, a new Michigan car insurance law went into effect.3 This law requires car insurance companies in Michigan to reduce statewide average health insurance premiums for personal injury protection (PIP) coverage for eight years. Also called no-fault insurance, PIP comes into play no matter who’s at fault. In the past, it was mandatory for Michigan drivers to carry unlimited PIP coverage, but drivers can now choose from different coverage options. For more information about the state’s no-fault insurance laws, please visit Michigan’s Department of Insurance and Financial Services.

Car Insurance Benefits Offered to Michigan Drivers

Michigan drivers could receive valuable benefits as AARP members from the AARP Auto Insurance Program from The Hartford, including:
  • Exención por accidente: We understand every driver makes mistakes. As long as all the drivers on your car insurance policy have clean driving records for five straight years with The Hartford, you’ll qualify for accident forgiveness.
  • New Car Replacement:§§ If you total your new car, we’ll replace it with a new one of the same make, model and equipment with no deduction for depreciation.
  • Disappearing Deductible: Your collision deductible can go all the way down to $0 each year as long as you maintain a clean driving record.
  • 24/7 Claim Service: Our representatives can help with your claim. Call 800-243-5860 or report your car insurance claim en línea.

Discounts on Car Insurance in Michigan

We also offer descuentos en seguros para autos if you have safety features, like anti-lock brakes and multiple airbags. If you drive a hybrid or electric vehicle, you may also be able to save money on your car insurance premium. You could also receive a discount on your car insurance by taking an approved defensive driving course. There are many ways to save money on your car insurance with The Hartford.

Contact The Hartford About Car Insurance in Michigan

Para conocer más sobre los beneficios automáticos para miembros del AARP a través de The Hartford, llame a nuestros representantes hoy al 888-413-8970. También puede contact The Hartford o obtener una cotización en línea.

Common Questions About Car Insurance in Michigan

How Much is Car Insurance in Michigan?

Michigan car insurance rates will be different for everyone, depending on things like your credit history, driving record and insurance rating. For instance, having an at-fault car accident can affect your auto insurance rates. Información how much car insurance is  hoy mismo.

Why Is Michigan Auto Insurance So Expensive?

Car insurance rates differ by drivers and depend on what insurance company you choose. State minimums for the amount of auto insurance Michigan requires you to buy also affects your cost. Esta insurance quote calculator can give you a quick idea of how much you might pay with The Hartford.

What Is the Minimum Auto Insurance Coverage in Michigan?

Michigan requires bodily injury liability insurance and property damage liability insurance. Since Michigan is a no-fault state, you’ll likely also need Personal Injury Protection (PIP) coverage.

Does Car Insurance in Michigan Cover Theft?

Yes, comprehensive car insurance does cover theft. Comprehensive policies help cover vandalism, theft and personal property.

How Can I Get a Car Insurance Quote in Michigan?

We make it easy to get an auto insurance quote. Call us at 888-413-8970 or get a cotización de seguro para autos online in just a few minutes. We’ll help you decide how to get the best car insurance in Michigan for your needs.
Última actualización: 2 de abril de 2024
2 Michigan Department of Insurance and Financial Services, Your Guide to Automobile Insurance – Certain coverage choices require completion of required forms.
3 Michigan Department of Insurance and Financial Services, Lower Costs.
4 Governors Highway Safety Association, States.
** Los montos de ahorro promedio se basan en información comunicada por los clientes que se cambiaron a The Hartford desde otras compañías entre 9/1/22 y 8/31/23. Su ahorro puede variar. El ahorro promedio en el seguro para automóviles es de $577 y el ahorro promedio en el seguro de viviendas es de $236. Las diferencias de tarifas entre los afiliados y los no afiliados de AARP varían según el estado y la antigüedad de los afiliados de AARP. El descuento para auto y vivienda está disponible solo para asegurados que tengan tanto su seguro para auto y vivienda (o condominios y arrendatarios) por medio de los programas de seguros para autos y de viviendas AARP de The Hartford. .The Hartford no suscribe nuevos negocios en todas las áreas, incluidos los estados de CA y FL.
§ La disponibilidad del beneficio RecoverCare y los niveles del beneficio varían según el estado. The Hartford RecoverCare Advantage® es una marca registrada de The Hartford.
§§ Se aplican términos y condiciones.
Se aplican términos y condiciones. La exención por accidente y la desaparición progresiva del deducible no están disponibles para asegurados de California.
‡‡ Se aplican términos y condiciones. La disponibilidad varía según el estado.
‡‡‡ Con base a un auto y conductor; la tarifa/prima/ahorros individuales variarán según las selecciones de cobertura reales y las características de los vehículos/conductores.
Divulgaciones adicionales a continuación.
definición del seguro para automóviles

Explicación simple sobre el seguro para autos

Respuestas rápidas y definiciones de seguro para automóviles fáciles de entender pensadas para usted.
Para conocer más, visite nuestra página de definiciones del seguro para automóviles .
Los resúmenes de las coberturas y las características de las pólizas son únicamente para fines informativos. En caso de que se produzca una pérdida, los términos y condiciones reales establecidos en su póliza determinarán su cobertura.
AARP y sus afiliadas no son aseguradoras. Endoso pagado. The Hartford paga regalías a AARP por el uso de su propiedad intelectual. Estos cargos se utilizan para los fines generales de AARP. En la mayoría de los estados, es necesario ser miembro de AARP para ser elegible para participar en el Programa.
El programa de seguros para automóviles de AARP de The Hartford está respaldado por Hartford Fire Insurance Company y sus afiliados, One Hartford Plaza, Hartford, CT 06155. Está avalado en AZ, MI y MN por Hartford Insurance Company of the Southeast; en CA por Hartford Underwriters Insurance Company; en WA por Hartford Casualty Insurance Company; en MA por Trumbull Insurance Company; y en PA por Nutmeg Insurance Company y Twin City Fire Insurance Company. El programa de seguros para viviendas de AARP de he Hartford está respaldado por Hartford Fire Insurance Company y sus afiliados, One Hartford Plaza, Hartford, CT 06155. Está subscrito en AZ, MI y MN por Hartford Insurance Company of the Southeast; en CA por Property and Casualty Insurance Company of Hartford; en WA por Trumbull Insurance Company; en MA por Trumbull Insurance Company, Sentinel Insurance Company, Hartford Insurance Company of the Midwest, y Hartford Accident and Indemnity Company; y en PA por Nutmeg Insurance Company. El producto para viviendas no está disponible en todas las áreas, entre las que se incluye el estado de Florida. Los ahorros, los beneficios y las coberturas disponibles pueden variar y es posible que algunos solicitantes no sean elegibles. El programa no está actualmente disponible en Canadá, ni en los territorios o posesiones de Estados Unidos.
1 En Texas, el programa para automóviles está respaldado por Redpoint County Mutual Insurance Company a través de Hartford of the Southeast General Agency, Inc. Hartford Fire Insurance Company y sus afiliados no son responsables financieramente por los productos de seguros suscritos y emitidos por Redpoint County Mutual Insurance Company. El programa para viviendas está respaldado por Hartford Insurance Company of the Southeast.
* Los comentarios de los clientes son recolectados y tabulados por The Hartford y no representan a todos los clientes.