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Best Car Insurance in Michigan 2021

Call us today at 248-466-0200 to speak with one of our experienced insurance agents and explore our available options for life, home, vehicle, boat, RV, and ATV coverage.

 Every single driver in Michigan requires valid car insurance. It may be necessary, but that doesn’t make it any easier to figure out how much coverage you’ll need and what kind to buy. With the recent auto insurance law reform in Michigan, finding the right agency and coverage level for your vehicle is now more important than ever. 

At Encore Insurance Group, we offer tailored auto insurance coverage solutions for Michigan drivers. Our talented agents work hard every day to ensure that each customer ends up with the perfect policy to suit their unique needs.

Car Insurance in Michigan: Driver Requirements

Michigan has minimum car insurance requirements. The range for minimum liability coverage is $50,000/$100,000/$10,000. That’s $50,000 per person, with a $100,000 maximum and an additional $10,000 to cover damage to another person’s property.



Property Damage


Bodily Injury

$40,000/accident, $20,000/person

Property Protection

$1 million

Uninsured Motorist Bodily Injury

$40,000/accident, $20,000/ person

Personal Injury Protection


Optional Coverage in Michigan

Many of our clients aren’t happy settling for minimum coverage. It might save money in the short term, but it could cost you even more money down the road. Luckily, Michigan has plenty of optional policies to choose from, including Comprehensive, Collision, Roadside Assistance, and Uninsured Motorist.

Available Discounts for Michigan Drivers

If you’re like us, you absolutely love to save money on your car insurance policy. That’s why we offer a range of discounts that could lower your monthly premium.

Fortunately, Michigan drivers can qualify for many different policy discounts:

Multi-Policy: Multi-policy discounts save you money by bundling your auto insurance with other policies, like home insurance.

Anti-Theft: You may qualify for a discount by installing an anti-theft device on your vehicle. Depending on what type you install, you could end up with significant savings.

Safe Driver: Do you have a clean driving record for at least five years? If so, you can apply for the Safe Driver discount.

Telematics Program: This program can provide an instant discount on your policy. When you practice safe driving techniques, you save even more money.

Accident-Free: When you keep your driving record accident-free, you could earn a 10% discount.

Defensive Driving: Drivers over 55 who complete and pass a state-approved defensive driving course are eligible for this discount.

Good Student: Do you maintain at least a B average in the classroom? If so, you could apply for the Good Student discount on your car insurance policy.

Michigan Auto Insurance Law Reform

As of 2019, Michigan has experienced some major auto insurance reform. Under the new law, every accident remains technically no-fault. As a result, your coverage will pay for loss of wages or medical bills, in addition to damage to your car. Drivers can now select up to six different Personal Injury Protection coverage options.

How to Get the Cheapest Car Insurance Policy in Michigan

Did you know that Michigan has some of the most expensive auto insurance in the nation? According to, the average yearly cost of full coverage car insurance in Michigan is about $2,375, with the national average at $1,674 per year.

Doing some in-depth research is the best way to save money on your auto policy. Find out what discounts you can apply for, consider your coverage needs, eliminate any unnecessary coverage, and be sure to compare quotes from different agencies.

Call Encore Insurance Today to Learn More About Our Coverage Options

When you’re ready to discuss auto policies, we’re here and waiting to answer your call. At Encore Insurance Group, we offer custom insurance policy solutions, including auto insurance. We can help you find the perfect amount of coverage and protection to give you peace of mind.

Contact us today to explore our available policies for car insurance in Michigan. Call us at 248-466-0200.