How It Works
Enter your ZIP code and tell us what coverage you are looking for in Michigan
See what Michigan requires and compare quotes from licensed carriers
Choose coverage that meets Michigan requirements and get proof of insurance
Coverage Options
Understanding your coverage options helps you build a policy that protects what matters — without paying for what you don't need.
Liability Insurance
Every vehicle on a multi-car policy must carry at least your state's minimum liability limits. Bodily-injury minimums range from $15,000 to $50,000 per person across states; property-damage minimums range from $5,000 to $50,000.
Full Coverage Car Insurance
Liability plus comprehensive and collision coverage. On a multi-car policy, you can put full coverage on one vehicle and liability-only on another — each vehicle's coverage level is set independently while the whole policy earns the multi-car discount.
Uninsured Motorist Coverage
Pays when an at-fault driver has no insurance or insufficient coverage. Required in 22 states. On a multi-car policy, uninsured-motorist coverage typically applies to every vehicle on the policy.
Multi-Car Policy Structure
Two or more vehicles insured on a single policy. Each vehicle can carry a different coverage level. The multi-car discount applies when every vehicle shares one policy, typically at the same garaging address.
