Michigan Auto Insurance

It isn't much of a secret that Michigan auto insurance can be a touchy subject to some.  For most Michiganders, driving is a necessity to commute to work, running errands around town, running your children to school, and for the long awaited family vacation.  That is why it is so important to make sure our vehicles and precious cargo are always protected.

With so many nuances to the auto insurance in our state, it is important to have an insurance pro walk you through this process.  Your Michigan auto insurance policy is a contract between you and your insurance company.  When you pay your premium, the insurance company promises to pay for specific car-related financial losses during the term of the policy.  


If you have more questions or are ready to get a quote today, click one of the buttons below to get started!


Understanding Auto Physical Damage Coverage

Navigating Michigan No-Fault Reform (Click Here)


Required Coverages in Michigan

Michigan law requires that all drivers have no-fault insurance prior to driving or registering a vehicle.  The coverage that is required includes:

  • Personal Injury Protection (PIP) - Pays medical costs if you or covered passengers are hurt in an accident. It also pays for lost wages, funeral expenses, and in-home care.
  • Residual Bodily Injury and Property Damage Liability 
  • Property Protection Insurance - Can pay up to $1,000,000 in property damage costs for things like buildings, trees, road signs, etc.


Optional Coverages Available

In addition to the required coverage above, you also have many options to customize your personal auto policy.  These include:

  • Collision
  • Comprehensive
  • Roadside Assistance
  • Rental Reimbursement
  • New Car Replacement
  • Accident/Ticket Forgiveness
  • Bodily Injury Caused by an Uninsured/Underinsured Auto
  • And many more options depending on each insurance company...

Our Locations

Alpena
514 N Ripley Blvd
Alpena, MI 49707

(989) 356-6133

Hillman
150 State St
Hillman, MI 49746

Local: (989) 742-4574

Oscoda
117 S State St
Oscoda, MI 48750

Local: (989) 739-1461

Traverse City
3183 Logan Valley Rd
Traverse City, MI 49684

Local: (231) 947-1164

Mio
607 S Morenci Ave
Mio, MI 48647

Local: (989) 826-3989

Iron River
117 W Genesee St, Ste 1
Iron River, MI 49935

Local: (906) 265-5137

Petoskey
322 Bay St, Ste 1
Petoskey, MI 49770-4401

Local: (231) 347-4610

Gaylord
440 W Main St, Ste F
Gaylord, MI 49735-1401

Local: (989) 705-8664