About
Car insurance costs have steadily increased in the U.S. in the past decade, but no state has felt the impact quite like Michigan. Drivers there pay the highest car insurance rates in the country.
But that could change following Michigan’s passage of sweeping car insurance reform, which went into effect July 2, 2020. The new law makes major changes and, significantly, it eliminates the state’s requirement that all drivers buy unlimited, lifetime medical coverage for car accident injuries.
Here we take a look at the changes and the options now available to Michigan drivers.
This report explores:
- Why Michigan Has the Highest Car Insurance Rates in the Country
- Car Insurance Changes — and New Coverage Options — for all Michigan Drivers
- What Michigan Drivers Can Do to Make Sure They’re Getting the Best Rate
Takeaways
What Should Michigan Drivers Do Now?
Now that changes to Michigan’s car insurance law have taken effect, drivers can see their new options.
Shop around for coverage
Insurers aren’t all the same when it comes to calculating rates and offering discounts. Compare car insurance quotes before you buy or renew your policy to help ensure you’re getting the best rate and the coverage you need. (Remember: You are allowed switch insurance providers before the end of your policy term.)
Add uninsured motorist coverage
This affordable add-on coverage helps financially protect insured drivers if they’re in a crash with someone who is uninsured. It’s especially important in places like Michigan where there are a high number of uninsured drivers.