Car Insurance for Michigan Drivers
Whether you’re visiting the Point Iroquois Lighthouse in the entryway of the St. Mary’s River, watching the UP200 sled dog race in Marquette, or catching a show at Fox Theatre in Detroit, experienced Michigan drivers like you can rest assured that you’ll be protected with the AARP® Auto Insurance Program from The Hartford.1 We’ve been protecting AARP members in Michigan and their families since 1984, and have earned a reputation for integrity and trust, as well as high customer ratings for claims services. You can count on The Hartford to be there when you need us most.
If you’re looking to get a car insurance quote or just need information about buying car insurance in the state of Michigan, you’ve come to the right place.
Car Insurance Benefits Offered to Michigan Drivers
Michigan drivers could receive valuable car insurance benefits from the AARP Auto Insurance Program from The Hartford, including:
12-month Rate Protection
New Car Replacement§§
24/7 Claim Service
Required Car Insurance Coverages in Michigan
Michigan state law requires liability car insurance at the following minimum limits:2
$20,000 for bodily injury, per person per accident.
$40,000 for bodily injury, total per accident.
$10,000 for property damage per accident.
Proof of Car Insurance for Michigan Drivers
It’s smart to keep a copy of your car insurance ID card in the vehicle with your registration, so that you have it available when needed. Michigan is also among several states that now accept electronic proof of insurance, and with The Hartford’s mobile app, you can store your ID cards right on your mobile device. Visit the App Store™ or Google Play™ for more information.
Michigan Uninsured Driver Facts
According to a 2012 Insurance Research Council report, 21.0 percent of Michigan drivers are uninsured. This is significantly above the national average of 12.6%.3
The state of Michigan does not require drivers to carry uninsured/underinsured motorist coverage, but The Hartford offers this coverage which will protect you from financial loss if you are involved in an accident with an uninsured motorist.
Additional Car Insurance Coverages and Benefits Available to Michigan Drivers
For added protection, Michigan drivers may also be eligible for the following coverages from the AARP Auto Insurance Program from The Hartford:
Staying Safe on Michigan Roads
As you travel through Michigan, there are a number of safe driving laws meant to protect you on Michigan’s highways and byways. Here are just a few:4
Michigan Seat Belt Laws:
It is a mandatory law to wear a seat belt while driving the roads of Michigan.
Michigan Distracted Driving Laws:
Texting while driving is banned for all drivers in the State of Michigan.
Michigan Teen Driver Laws:
Getting a driver’s license is a rite of passage for all teenagers, and Michigan wants to be sure they stay safe in the process! Michigan has implemented graduated licensing laws to ensure that teenagers gain the experience and maturity that’s required to be safe behind the wheel. Graduated licensing laws limit nighttime driving, restrict teen passengers and ensure an adequate amount of supervised driving practice.