Driving in Michigan: Statewide Stats
Michigan residents pay the highest percentage of their household income on car insurance premiums – up to a staggering 8 percent.
Michigan is a no-fault state, meaning each driver is required to carry personal injury protection to cover injuries, regardless of which driver is at fault. Policies are required to have Michigan-specific no-fault policies; out-of-state policies are not accepted. Because of the increased personal liability, it is highly recommended that most Michigan drivers carry extra liability insurance.
The penalties for not carrying current auto insurance can be up to $200, and higher insurance rates for at least 6 months (some carriers will even deny you coverage if you can’t show a history of valid auto insurance).
State Car Insurance Requirements
Did you know?
Most motor vehicle issues are handled by Michigan’s Secretary of the State. Their website may be found here.
Vehicle registrations are handled by Michigan’s Office of the Secretary of State. Their website may be found here.
Because DUI statistics have a major impact on insurance rates, we usually include these statistics to better inform our customers. In Michigan there were 35,748 DUI arrests in 2012, with 259 drunk driving fatalities (representing 28% of total traffic deaths). According to MADD, this cost taxpayers a total of $1.3 billion in subsidies. Legislation is currently being pushed to require ignition interlock devices for all drivers convicted of a DUI, which is projected to drastically reduce DUI rates in the sate.
Current penalties for first-time offenses include up to 93 days in jail, fines up to $500, and a license suspension of up to 6 months. For more information on DUI law in Michigan, head here.